EZCORP, Inc. (EZPW) Stock Analysis

Q: What is the EZPW stock price target?

Entry $26.21, take-profit $32.00 (+22.1% upside). Target $32.00 (-1.2%), stop $25.00 (−29.5%), A.R:R -0.6:1.

HoldModerate ConfidenceUpdated 2026-04-30

Financial Services · Credit Services

Earnings in 0 days (2026-04-30). Expect elevated volatility around the report — consider waiting for post-earnings price action before new entries.

EZCORP operates 1,360 pawn stores in the US (545) and Latin America (815, primarily Mexico). Revenue comes from pawn service charges on pawn loans, merchandise sales, and jewelry scrapping. Also holds a 43.7% stake in Cash Converters International.

$32.38+22.1% A.UpsideScore 6.0/10#12 of 28 Credit Services

Entry $26.21(support + ATR)Stop $25.00Target $32.00(resistance)A.R:R -0.6:1Setup A.R:R 4.8:1

Analyst target$34.00+5.0%5 analysts

$32.00our TP

$32.38price

$34.00mean

$26

$40

Hold if already holding. Not a fresh buy at $32.38, but acceptable to hold if already in. Reasons: Single-region cliff: 62% exposure to Texas and Florida (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Texas and Florida (62.0%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Downgraded from BUY WAIT — price $32.38 has reached target $32.00. No upside to wait for. Score 6.0/10, moderate confidence.

Passes 5/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on favorable risk/reward ratio and earnings proximity 0d<=7d and finsvc regional cliff hard block. Suitability: aggressive.

Thesis

Rewards

No bull case signals

Risks

Single-region cliff: 62% exposure to Texas and Florida (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.

Concentration risk — Geographic: Texas and Florida (62.0%)

Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)20.6

P/E (Fwd)15.8

Mkt Cap$2.0B

EV/EBITDA11.4

Profit Mgn9.2%

ROE13.0%

Rev Growth19.3%

Beta0.52

DividendNone

Rating analysts13

Quality Signals

Piotroski F9/9

Options Flow

P/C0.91neutral

IV57%elevated

Max Pain$20-38.2% vs spot

Concentration Risks(10-K Item 1A)

HIGHGeographicTexas and Florida62%
10-K Item 1A: 'more than 62% of our U.S. pawn stores were located in Texas (45%) and Florida (17%)'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

10 dimensions · all in-band

Overall = weighted sum of the 10 dimension scores. Fundamentals (Value/Quality/Growth) carry 45%; market signals (Momentum/Sentiment/Insider/Peer) carry 40%; structure (Technical/Risk/Catalyst) carries 15%.

DimensionScoreWeightContribution

Value7.115%1.06

Quality5.615%0.84

Growth8.415%1.26

Momentum6.410%0.64

Sentiment5.810%0.58

Insider Activity3.410%0.34

Peer Rank4.710%0.47

Technical Setup4.05%0.20

Risk Profile4.55%0.23

Catalyst7.55%0.38

Overall (Σ contributions)5.99

Small float-rounding may cause last-digit differences between this sum and the displayed Overall.

GatesA.R:R -0.6=NEGATIVEEARNINGS PROXIMITY 0d<=7dFINSVC REGIONAL CLIFF HARD BLOCKMomentum 6.4>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTSEMI CYCLE PEAK CLEARSuitability: Aggressive

RSI

86 · Overbought

↑ 20D MA↑ 50D MA↑ 200D MAGOLDEN CROSSSupport $25.77Resistance $32.65

Price Targets

$25

$26

$32

A.Upside-1.2%

A.R:R-0.6:1

Setup A.R:R (at entry)4.8:1

Position Sizing

ConvictionNone

Suggested %0.5%

Max %1%

RegimeCautious

Risk Alerts

! Target reached (-8.6% upside)

! Earnings in 0 days - binary event risk

! Negative risk/reward — downside exceeds upside

Earnings

4/4 beats

Next Earnings2026-04-30 (0d)

Verdict History

reverse chrono — latest first

Loading history...

Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.

Frequently Asked Questions

Is EZPW stock a buy right now?

Hold if already holding. Not a fresh buy at $32.38, but acceptable to hold if already in. Reasons: Single-region cliff: 62% exposure to Texas and Florida (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Texas and Florida (62.0%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Downgraded from BUY WAIT — price $32.38 has reached target $32.00. No upside to wait for. Target $32.00 (-1.2%), stop $25.00 (−29.5%), A.R:R -0.6:1. Score 6.0/10, moderate confidence.

What is the EZPW stock price target?

Take-profit target: $32.00 (+22.1% upside). Target $32.00 (-1.2%), stop $25.00 (−29.5%), A.R:R -0.6:1. Stop-loss: $25.00.

What are the risks of investing in EZPW?

Single-region cliff: 62% exposure to Texas and Florida (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Texas and Florida (62.0%); Analyst target reached - limited upside remaining.

Is EZPW overvalued or undervalued?

EZCORP, Inc. trades at a P/E of 20.6 (forward 15.8). TrendMatrix value score: 7.1/10. Verdict: Hold.

What do analysts say about EZPW?

13 analysts cover EZPW with a consensus score of 4.0/5. Average price target: $34.

What does EZCORP, Inc. do?EZCORP operates 1,360 pawn stores in the US (545) and Latin America (815, primarily Mexico). Revenue comes from pawn...