EZCORP, Inc. (EZPW)
ValueMarkers Composite Index
63% below intrinsic value ($67)
EZCORP, Inc. (EZPW) — VMCI valuation read
EZCORP, Inc. (EZPW) carries a VMCI composite of 60/100, 10 points above the Financial Services sector median of 50. Among mid-cap names, that gap places EZPW in the top third on the five-pillar weighting (Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%).
The EZPW insider tape has been silent for the past 30 days on Form 4. Where executives neither buy nor sell, the bull and bear cases lean harder on filings cadence and the next earnings line.
**Investor frame.** Value reads EZPW trades at 18.0x earnings, 0% above the Financial Services median of 18.0x, which compresses or extends through the 11.0x EV/EBITDA versus a Financial Services 12.0x. Quality: ROIC of 10.0% sits 0.0pp above the Financial Services median (10.0%). Risk: net debt to EBITDA of -1.6x leaves covenant headroom, the line to track on EZCORP, Inc.'s next 10-Q.
EZPW rose 0.7% over the trailing 7 days, with a -14.8% read on a 30-day basis.
EZCORP, Inc. provides pawn loans in the United States and Latin America. It offers pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. The company also sells merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. In addition, it offers Lana and EZ+ web-based engagement platforms to manage pawn loans. As of September 30, 2021, the company owned and operated 516 pawn stores in the United States; 508 pawn stores in Mexico; and 124 pawn stores in Guatemala, El Salvador, and Honduras. EZCORP, Inc. was founded in 1989 and is headquartered in Austin, Texas.
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