EZPW
HoldFallen FavouriteAI pickEZCORP, Inc. · Financial Services · United States · $1.8B cap · $23.0M/day traded
$28.70 -2.2% · close 23 Oct · scored 24 Oct
StockRank down 1.3 since 23 Oct.
Fallen Favourite: A good business, still expensive, and the price is falling.
As of 24 Oct 2026, MoatMap's StockRank for EZCORP, Inc. (EZPW) is 62/100, ranked against 24,000+ stocks in 35 markets (Quality 68, Value 40, Momentum 49, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
EZCORP runs pawn stores in the US and Latin America, lending against collateral, mostly gold jewellery, to customers without easy access to bank credit. Fiscal Q3 2026 brought record pawn loans outstanding and a 48% jump in EBITDA. The business is well placed for the current environment. Record diesel prices and a looming grocery-price shock squeeze low-income households, which raises demand for small, collateral-backed loans. High gold prices raise the value of each loan and the margin on forfeited merchandise. Credit risk is limited because loans are backed by goods held in the store. The quality score is strong, and the company is growing its Latin American store base while buying back shares. Insider selling was small (0.07% of shares).
The ranks quoted here are from the day it was written; today's Quality, Value and Momentum are the bars above.
ABOUT EZCORP, INC.
Read
EZCORP, Inc. is a leading provider of pawn loans and various financial services, operating pawn stores under brands like EZPAWN and Value Pawn across the Americas. It benefits from a large and established retail network, offering accessible credit solutions to underserved consumers. The company's operational scale and experience in the pawn industry provide a competitive advantage, generating revenue from interest, fees, and the sale of forfeited merchandise.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 886.2M | 1.0B | 1.2B | 1.3B | 12.9% | 1.6B | 1.7B | 1.8B | 20.0% |
| EPS | 0.89 | 0.69 | 1.51 | 1.91 | 29.0% | 1.99 | 2.71 | 2.97 | 24.6% |
| Shares | 56.4M | 54.8M | 54.6M | 60.9M | +7.9% | 58.5M | — | — | — |
| Debt | 546.0M | 610.5M | 566.9M | 764.0M | 11.9% | 811.9M | — | — | — |
| Equity | 692.2M | 745.8M | 804.6M | 1.0B | 14.0% | — | — | — | — |
| Op CF | 66.5M | 101.8M | 113.6M | 149.0M | 30.8% | 181.6M | — | — | — |
| Inv CF | -113.3M | -110.9M | -111.9M | -117.9M | — | — | — | — | — |
| Fin CF | -2.8M | 23.7M | -50.2M | 274.4M | — | — | — | — | — |
Above its 200-day average and 23% below its 52-week high.
The Momentum score still reads 49: it weighs six months of price and earnings revisions, so it trails a turn like this.
Swung more than 53% of stocks we rank over the past year (43% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of EZPW are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| EZPW | EZCORP, Inc.(you) | $1.8B | 62 | Hold |
| WU | The Western Union Company | $2.0B | 59 | Hold |
| WRLD | World Acceptance Corporation | $778M | 58 | Hold |
| ATLC | Atlanticus Holdings Corporation | $1.3B | 78 | Buy |
| ECPG | Encore Capital Group, Inc. | $2.1B | 82 | Strong Buy |
| BFH | Bread Financial Holdings, Inc. | $3.8B | 69 | Buy |
| AGM-A | Federal Agricultural Mortgage Corporation | $1.5B | 40 | Hold |
| GDOT | Green Dot Corporation | $704M | 70 | Buy |
| JCAP | Jefferson Capital, Inc. | $1.2B | 83 | Strong Buy |
| ENVA | Enova International, Inc. | $4.1B | 49 | Hold |
Peer medians: ROE 9.6% · P/E 12.3x · Gross margin 100.0%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.