Is EZCORP Stock a Good Investment?
EZCORP Investment Advice | EZPW |
- Examine EZCORP's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research EZCORP's leadership team and their track record. Good management can help EZCORP navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Consumer Finance space and any emerging trends that could impact EZCORP's business and its evolving consumer preferences.
- Compare EZCORP's performance and market position to its competitors. Analyze how EZCORP is positioned in terms of product offerings, innovation, and market share.
- Check if EZCORP pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about EZCORP's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in EZCORP Inc stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if EZCORP Inc is a good investment.
Sell | Buy |
Strong Buy
Market Performance | Good | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Moves indifferently to market moves | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unavailable | Details |
Examine EZCORP Stock
Researching EZCORP's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 96.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.95. Some equities with similar Price to Book (P/B) outperform the market in the long run. EZCORP Inc has Price/Earnings To Growth (PEG) ratio of 0.35. The entity last dividend was issued on the 4th of February 2000. The firm had 3:1 split on the 12th of December 2006.
To determine if EZCORP is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding EZCORP's research are outlined below:
| Over 96.0% of the company shares are held by institutions such as insurance companies | |
| Latest headline from gurufocus.com: EZCORP Announces Termination of Acquisition Agreement |
EZCORP Quarterly Cash And Short Term Investments |
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EZCORP uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in EZCORP Inc. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to EZCORP's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 7th of February 2024 Upcoming Quarterly Report | View | |
| 1st of May 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 20th of November 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 30th of September 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact EZCORP's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises EZCORP's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2021-08-04 | 2021-06-30 | -0.02 | -0.03 | -0.01 | 50 | ||
2005-04-20 | 2005-03-31 | 0.09 | 0.1 | 0.01 | 11 | ||
2004-07-20 | 2004-06-30 | 0.02 | 0.01 | -0.01 | 50 | ||
2004-01-19 | 2003-12-31 | 0.07 | 0.08 | 0.01 | 14 | ||
2003-11-10 | 2003-09-30 | 0.03 | 0.04 | 0.01 | 33 | ||
1995-01-31 | 1994-12-31 | 0.03 | 0.02 | -0.01 | 33 | ||
1994-01-25 | 1993-12-31 | 0.06 | 0.07 | 0.01 | 16 | ||
1993-11-12 | 1993-09-30 | 0.04 | 0.05 | 0.01 | 25 |
EZCORP Target Price Consensus
EZCORP target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. EZCORP's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 3 | Strong Buy |
Most EZCORP analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand EZCORP stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of EZCORP Inc, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationEZCORP Target Price Projection
EZCORP's current and average target prices are 13.88 and 15.83, respectively. The current price of EZCORP is the price at which EZCORP Inc is currently trading. On the other hand, EZCORP's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Target Price
Analyst Consensus On EZCORP Target Price
EZCORP Analyst Ratings
EZCORP's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about EZCORP stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of EZCORP's financials, market performance, and future outlook by experienced professionals. EZCORP's historical ratings below, therefore, can serve as a valuable tool for investors.Know EZCORP's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as EZCORP is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading EZCORP Inc backward and forwards among themselves. EZCORP's institutional investor refers to the entity that pools money to purchase EZCORP's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Divisadero Street Capital Management, Lp | 2024-12-31 | 1.2 M | Millennium Management Llc | 2024-12-31 | 1.2 M | State Street Corp | 2024-12-31 | 1.2 M | Amvescap Plc. | 2024-12-31 | 1.2 M | Heartland Advisors Inc | 2024-12-31 | 1.1 M | Two Sigma Advisers, Llc | 2024-12-31 | 1 M | Philadelphia Financial Mgmt Of San Franc | 2024-12-31 | 910.8 K | Morgan Stanley - Brokerage Accounts | 2024-12-31 | 815.2 K | Invenomic Capital Management, Lp | 2024-12-31 | 789.8 K | Blackrock Inc | 2024-12-31 | 8.9 M | Dimensional Fund Advisors, Inc. | 2024-12-31 | 4 M |
EZCORP's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 780.13 M.Market Cap |
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EZCORP's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.07 | 0.07 | |
| Return On Capital Employed | 0.08 | 0.07 | |
| Return On Assets | 0.05 | 0.03 | |
| Return On Equity | 0.09 | 0.10 |
Determining EZCORP's profitability involves analyzing its financial statements and using various financial metrics to determine if EZCORP is a good buy. For example, gross profit margin measures EZCORP's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of EZCORP's profitability and make more informed investment decisions.
Please note, the imprecision that can be found in EZCORP's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of EZCORP Inc. Check EZCORP's Beneish M Score to see the likelihood of EZCORP's management manipulating its earnings.
Evaluate EZCORP's management efficiency
EZCORP Inc has return on total asset (ROA) of 0.0497 % which means that it generated a profit of $0.0497 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1071 %, meaning that it created $0.1071 on every $100 dollars invested by stockholders. EZCORP's management efficiency ratios could be used to measure how well EZCORP manages its routine affairs as well as how well it operates its assets and liabilities. At this time, EZCORP's Return On Tangible Assets are fairly stable compared to the past year. Return On Equity is likely to climb to 0.1 in 2025, whereas Return On Capital Employed is likely to drop 0.07 in 2025. At this time, EZCORP's Total Assets are fairly stable compared to the past year. Non Current Assets Total is likely to climb to about 922.8 M in 2025, whereas Net Tangible Assets are likely to drop slightly above 309.3 M in 2025.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 13.18 | 13.84 | |
| Tangible Book Value Per Share | 7.20 | 4.10 | |
| Enterprise Value Over EBITDA | 7.17 | 8.37 | |
| Price Book Value Ratio | 0.88 | 1.24 | |
| Enterprise Value Multiple | 7.17 | 8.37 | |
| Price Fair Value | 0.88 | 1.24 | |
| Enterprise Value | 587.6 M | 617 M |
Effective leadership at EZCORP drives its competitive edge in the market. Our analysis focuses on how this translates to financial performance and stock value.
Beta 0.894 |
Basic technical analysis of EZCORP Stock
As of the 20th of March, EZCORP owns the Coefficient Of Variation of 767.43, downside deviation of 1.29, and Market Risk Adjusted Performance of 0.4191. EZCORP Inc technical analysis allows you to utilize past data patterns in order to determine a pattern that computes the direction of the firm's future prices. Please confirm EZCORP Inc market risk adjusted performance, variance, as well as the relationship between the Variance and potential upside to decide if EZCORP Inc is priced adequately, providing market reflects its prevailing price of 13.88 per share. Given that EZCORP Inc has jensen alpha of 0.2642, we urge you to verify EZCORP's latest market performance to make sure the company can sustain itself at some point in the future.EZCORP's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific EZCORP insiders, such as employees or executives, is commonly permitted as long as it does not rely on EZCORP's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases EZCORP insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Appel Matthew W over two months ago Disposition of 4106 shares by Appel Matthew W of EZCORP at 9.69 subject to Rule 16b-3 | ||
Damon Vigiolto over two months ago Insider Trading | ||
Nicole Swies over three months ago Disposition of 10000 shares by Nicole Swies of EZCORP at 12.47 subject to Rule 16b-3 | ||
John Powell over three months ago Disposition of 3700 shares by John Powell of EZCORP at 11.21 subject to Rule 16b-3 | ||
Appel Matthew W over six months ago Disposition of 5624 shares by Appel Matthew W of EZCORP at 9.78 subject to Rule 16b-3 | ||
Appel Matthew W over six months ago Disposition of 26490 shares by Appel Matthew W of EZCORP at 10.3185 subject to Rule 16b-3 | ||
Ellen Bryant over six months ago Acquisition by Ellen Bryant of 4073 shares of EZCORP subject to Rule 16b-3 | ||
Pablo Espinosa over a year ago Disposition of 20000 shares by Pablo Espinosa of EZCORP at 10.3325 subject to Rule 16b-3 |
EZCORP's Outstanding Corporate Bonds
EZCORP issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. EZCORP Inc uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most EZCORP bonds can be classified according to their maturity, which is the date when EZCORP Inc has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| EXXON MOBIL P Corp BondUS30231GAN25 | View | |
| EXXON MOBIL P Corp BondUS30231GAF90 | View | |
| EXXON MOBIL P Corp BondUS30231GBK76 | View | |
| EXXON MOBIL P Corp BondUS30231GBN16 | View | |
| EXXON MOBIL P Corp BondUS30231GBM33 | View | |
| EXXON MOBIL P Corp BondUS30231GBG64 | View | |
| EXXON MOBIL P Corp BondUS30231GBF81 | View | |
| EXXON MOBIL P Corp BondUS30231GBJ04 | View |
Understand EZCORP's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing EZCORP's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.1206 | |||
| Market Risk Adjusted Performance | 0.4191 | |||
| Mean Deviation | 1.25 | |||
| Semi Deviation | 1.05 | |||
| Downside Deviation | 1.29 | |||
| Coefficient Of Variation | 767.43 | |||
| Standard Deviation | 1.79 | |||
| Variance | 3.21 | |||
| Information Ratio | 0.1665 | |||
| Jensen Alpha | 0.2642 | |||
| Total Risk Alpha | 0.3745 | |||
| Sortino Ratio | 0.2311 | |||
| Treynor Ratio | 0.4091 | |||
| Maximum Drawdown | 10.95 | |||
| Value At Risk | (1.92) | |||
| Potential Upside | 3.45 | |||
| Downside Variance | 1.66 | |||
| Semi Variance | 1.11 | |||
| Expected Short fall | (1.55) | |||
| Skewness | 1.82 | |||
| Kurtosis | 6.53 |
| Risk Adjusted Performance | 0.1206 | |||
| Market Risk Adjusted Performance | 0.4191 | |||
| Mean Deviation | 1.25 | |||
| Semi Deviation | 1.05 | |||
| Downside Deviation | 1.29 | |||
| Coefficient Of Variation | 767.43 | |||
| Standard Deviation | 1.79 | |||
| Variance | 3.21 | |||
| Information Ratio | 0.1665 | |||
| Jensen Alpha | 0.2642 | |||
| Total Risk Alpha | 0.3745 | |||
| Sortino Ratio | 0.2311 | |||
| Treynor Ratio | 0.4091 | |||
| Maximum Drawdown | 10.95 | |||
| Value At Risk | (1.92) | |||
| Potential Upside | 3.45 | |||
| Downside Variance | 1.66 | |||
| Semi Variance | 1.11 | |||
| Expected Short fall | (1.55) | |||
| Skewness | 1.82 | |||
| Kurtosis | 6.53 |
Consider EZCORP's intraday indicators
EZCORP intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of EZCORP stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Accumulation Distribution | 9256.08 | |||
| Daily Balance Of Power | (1.14) | |||
| Rate Of Daily Change | 0.98 | |||
| Day Median Price | 14.02 | |||
| Day Typical Price | 13.97 | |||
| Price Action Indicator | (0.30) | |||
| Period Momentum Indicator | (0.32) | |||
| Relative Strength Index | 55.42 |
EZCORP Corporate Filings
8K | 19th of March 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 14th of March 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F3 | 14th of February 2025 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
10Q | 5th of February 2025 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
EZCORP Stock media impact
Far too much social signal, news, headlines, and media speculation about EZCORP that are available to investors today. That information is available publicly through EZCORP media outlets and privately through word of mouth or via EZCORP internal channels. However, regardless of the origin, that massive amount of EZCORP data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of EZCORP news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of EZCORP relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to EZCORP's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive EZCORP alpha.
EZCORP Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards EZCORP can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
EZCORP Maximum Pain Price Across June 20th 2025 Option Contracts
EZCORP's options can also be used to analyze investors' bias and current market sentiment in the context of behavioral finance. For example, Max pain usually refers to a trading concept that asserts that market manipulation can cause the market price of EZCORP close to the expiration of its current option contract to expire worthlessly. According to most research, about 35% of options are not executed, with roughly 50% traded out before expiration. So, Max pain occurs when market makers reach a net favorable position across all options at a strike price where option holders stand to lose the most money. By contrast, option sellers may reap the most after selling more options than buying, causing them to expire worthlessly. Please continue to view the detailed analysis of EZCORP's options.
EZCORP Corporate Management
| Thomas Welch | Sr. VP, General Counsel and Secretary | Profile | |
| John Powell | Chief Officer | Profile | |
| Michael Croney | Chief Officer | Profile | |
| Robert Hicks | Chief Officer | Profile | |
| Nicole Swies | Chief Officer | Profile | |
| Timothy Jugmans | Chief Officer | Profile | |
| Ellen Bryant | Chief Secretary | Profile |
Additional Tools for EZCORP Stock Analysis
When running EZCORP's price analysis, check to measure EZCORP's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy EZCORP is operating at the current time. Most of EZCORP's value examination focuses on studying past and present price action to predict the probability of EZCORP's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move EZCORP's price. Additionally, you may evaluate how the addition of EZCORP to your portfolios can decrease your overall portfolio volatility.