NASDAQ: EZPW

EZCORP (EZPW) Stock Analysis & Forecast

Oct 12 close

$32.64+0.68 (+2.1%)

Gekko Brief

AI summaryOct 12 close

EZCORP trades at $32.64, up 2.1% on the day, with no news items driving the move this week. The most recent reported quarter, fiscal Q3, showed consolidated adjusted EBITDA rising 48% to $65.6 million and adjusted diluted EPS increasing 47% to $0.47, ahead of the $0.39 estimate, with core pawn revenue up 24% and pawn loans outstanding up 31% to $382 million, though the stock reacted -5.9% following that print. Four covering analysts currently show 3 buy and 1 hold ratings, with a consensus target of $40.80 implying 25% upside.

The stock sits above both its 50-day average of $31.00 and 200-day average of $28.89, consistent with a supportive trend, and is up 73.3% over the past year. The GekkoIndex reads 53.3, placing it in the Neutral zone, down 9.1 points over the last five readings. Price remains 6.4% below the Gekko Fair Value of $34.89.

The next earnings report is scheduled for 18 November, 36 days out and beyond a typical 20-trading-day holding window. No insider, Congress, or unusual options activity appears in the current windows. Seasonally, the next 20 trading days have averaged a 2.6% gain over 5 years, though gains occurred in only 2 of those years. The gap to Gekko Fair Value and the proximity of the upcoming earnings date are both worth noting.

Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.

EZCORP price vs fair value

Close $32.64200-day averageGekko Fair Value $34.89

EZCORP quick facts

Market cap: $1.91B
P/E ratio: 15.7
Forward P/E: 13.7
EPS, TTM: $1.99
Revenue, TTM: $1.58B
Profit margin: 10%
Dividend yield: —
Beta: 0.71
Volume: 665,314 avg 716,681
1-year return: +73.3%
Typical daily move: ±3.3%
Typical 20-day move: ±6.5%
50-day average: $31.00
200-day average: $28.89
Next earnings: Nov 18
Shares outstanding: 58.47M
52-week range: $16.50$37.13

EZCORP swing-trade checklist

EZCORP scores 3 supportive, 2 mixed and 0 headwinds across the 5 checklist items with data.

Six things swing traders check before a 20-day hold, read from the latest data.

3 supportive2 mixed0 headwinds

Trendsupportive
Above 50 and 200-day
Close $32.64 is above the 50-day ($31.00) and 200-day ($28.89) averages, and the 50-day is above the 200-day.
See the chart
GekkoIndexmixed
53.3, Neutral
Reading 53.3 is in the Neutral zone.
See the GekkoIndex
Fair valuesupportive
6.4% below
Price is 6.4% below Gekko Fair Value (more than 5% below).
See fair value
Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money
Earnings risksupportive
Reports in 37 days
Next report Nov 18, 2026, 37 days away — outside a typical 20-trading-day hold.
See earnings
Seasonalitymixed
+2.6% on average
From this point in the calendar, the next 20 trading days averaged +2.6% over 5 years, rising in 2 of them.
See seasonality

A description of current data, not a recommendation. How this page works

EZCORP stock chart and price history

EZCORP closed at $32.64 on Oct 12, 2026, +73.3% over the past year, inside a 52-week range of $16.50 to $37.13.

5Y and weekly in Gekko

Close50-day average200-day averageVolume

Use the left and right arrow keys to read daily values.

Performance Breakdown

1 month: +0.5%
3 months: +2.4%
6 months: +10.2%
1 year: +73.3%

The full EZPW chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open EZPW in Gekko

Follow EZCORP through every session

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About EZCORP

EZCORP provides short-term loans secured by personal belongings such as jewelry, electronics, tools, sporting goods, and musical instruments, serving borrowers in the United States and several Latin American countries. The company is widely recognized for its network of pawn shops, where customers can pledge items as collateral for cash. Alongside its lending business, EZCORP sells merchandise to the public, drawing on goods left behind from unpaid loans as well as used items purchased directly from customers.

The company runs its lending and retail operations through company-owned pawn shops across its markets, and it also offers digital tools, Lana and EZ+, that help customers manage their pawn loans online. Its customer base spans everyday individuals seeking quick access to cash using personal valuables as security.

EZCORP was founded in 1989 and is headquartered in Austin, Texas. Its shares trade on the NASDAQ under the ticker EZPW.

Listed: NASDAQ
Sector: Finance
Industry: Finance/Rental/Leasing
Website: ezcorp.com

EZCORP GekkoIndex: the smart money zone

EZCORP’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 53.3, in the Neutral zone, down 9.1 points over five sessions.

53.3Neutral

Down 9.1 points over five sessions, from the Accumulation zone.

Reading for Oct 12, 2026

What followed past readings in each zone

Zone	Readings	5 days	10 days	20 days	50 days
Buying	5	Too few readings yet
Accumulation	157	+1.1%	+1.7%	+4.4%	+11.4%
Neutral (current zone)	422	+0.9%	+2.1%	+4.1%	+9.3%
Distribution	86	+1.5%	+2.3%	+2.7%	+11.3%
Selling	12	+0.8%	+0.8%	+2.1%	+9.8%

Average EZPW share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Neutral readings averaged +1.1% over 20 days. Past behaviour doesn’t guarantee future results.

Selling<33

Distribution33–45

Neutral45–60

Accumulation60–70

Buying70+

Neutral zone: No clear directional signal. About the five zones →

See every daily GekkoIndex reading plotted over the EZPW price, zone by zone.Track EZPW in Gekko

Is EZCORP stock overvalued? Gekko Fair Value

EZCORP trades 6.4% below Gekko Fair Value of $34.89, so the shares are undervalued on Gekko’s estimate.

Gekko’s own estimate of what EZCORP shares are worth, recalculated every trading day.

$34.89

Gekko Fair Value, Oct 10, 2026

6.4% Undervalued

Price$32.64

Gekko Fair Value$34.89

At the end of Aug 2026 the price was 14.0% below the estimate.

Gekko Fair ValueShare price, month end

How Gekko Fair Value works →

Gekko Fair Value on every chart, with the gap to price updating daily.Open EZPW in Gekko

EZCORP insider and Congress trading

No open-market insider purchases were filed for EZCORP, and no Congress trades were disclosed, in the last 90 days.

Plus buybacks, unusual options and fund positions, each dated to when it became public.

Insider buying last 90 days

No open-market insider purchases were filed for EZPW in the last 90 days.

From Form 4 filings, dated to when each was filed.

Every EZPW insider filing, plotted on the chart in Gekko.Open EZPW in Gekko

Congress trades last 90 days

No trades in EZPW were disclosed by members of Congress in the last 90 days.

From congressional disclosures, which report amounts as ranges.

Congress disclosures for EZPW, plotted on the chart in Gekko.Open EZPW in Gekko

Buybacks

EZCORP has been buying back its own shares.

Bought back, quarter ended Jun 30, 2026: $2.32M
As a share of market cap: 0.12%
Trailing four quarters: $13.67M

From company filings.

EZCORP earnings: next date and track record

EZCORP reports on Nov 18, 2026 (37 days away), and beat the EPS estimate in 7 of its last 8 reports.

Next earnings report

Nov 18, 2026

37 days away

EPS estimate: $0.40
Revenue estimate: $427.2M

7 of 8reports beat the EPS estimate

±3.6%average move across the report

4 of 8reports followed by a gain

Share-price move across each report

Last earnings call, Aug 5, 2026 AI summary

What they said: EZCORP reported an exceptionally strong fiscal Q3 driven by core pawn operations rather than gold scrap. Consolidated adjusted EBITDA rose 48% to $65.6M and adjusted diluted EPS increased 47% to $0.47. Key operational highlights included 24% core pawn revenue growth, 28% rise in core pawn gross profit, same-store core pawn gross profit up 13%, and PLO (pawn loan outstanding) up 31% to $382M. Latin America was a standout with double-digit growth and margin expansion; EZCORP completed acquisitions (including SMG to full ownership) and opened several de novo stores, particularly in Latin America. Management emphasized operating discipline, merchandise margin expansion (merchandise margin expanded ~190 bps to 38%), low aged inventory, strong inventory turns, and a robust M&A/de novo pipeline. Management also noted that scrap sales and margins declined sequentially as gold prices normalized from earlier spikes, and they reiterated focus on core metrics for assessing performance.
Guidance: No formal numeric revenue or EPS guidance was issued. Management expects consolidated merchandise margin to remain in the target band (roughly the mid-30s; they referenced the 35%–38% target range and said consolidated margin should be within that kind of range). They also noted they expect scrap gross profit margins to normalize to roughly a 15%–20% range if gold prices remain stable, which would reduce year-over-year growth when including scrap but not reflect underlying core performance.
Risks flagged: Gold price volatility and related scrap margin fluctuations are a key risk and can materially affect short-term revenue and EBITDA when scrap is included. Macroeconomic pressures on customers (inflation, gas prices, interest rates, cost of living) could continue to press demand and affect customer ability to repay or retail demand. M&A and integration execution risk (integrating SMG, onboarding to POS/Workday, cultural and operational changes) and dependence on de novo and acquisition pipelines to sustain growth are execution risks.

Reported	EPS	Surprise	Revenue	Surprise	Move
Aug 5, 2026	$0.47 est $0.39	+20.5%	$418.7M est $425.8M	−1.7%	−5.9%
May 6, 2026	$0.58 est $0.41	+41.5%	$446.9M est $390.7M	+14.4%	−1.6%
Feb 4, 2026	$0.55 est $0.41	+33.5%	$382.0M est $361.2M	+5.8%	+3.8%
Nov 13, 2025	$0.34 est $0.29	+17.2%	$336.8M est $348.0M	−3.2%	−1.4%
Jul 30, 2025	$0.33 est $0.23	+43.5%	$311.0M est $324.9M	−4.3%	+9.1%
Apr 28, 2025	$0.34 est $0.32	+6.3%	$306.3M est $301.5M	+1.6%	−2.4%
Feb 5, 2025	$0.42 est $0.35	+20.0%	$320.2M est $322.8M	−0.8%	+2.4%
Nov 13, 2024	$0.26 est $0.26	0.0%	$294.6M est $288.5M	+2.1%	+2.1%

“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.

EZCORP stock forecast and analyst price targets

Analysts’ average 12-month price target for EZCORP is $40.80, +25.0% from the last close, from 4 firms rating the stock in the last 90 days.

$40.80consensus 12-month target, +25.0% from the last close

Now $32.64Avg $40.80

Low $40High $44

Buy3

Hold1

Sell0

Each firm’s latest rating in the last 90 days: 4 firms.

Latest analyst actions

Date	Firm	Rating	Target	vs price
Oct 12	Canaccord Genuity	Buy, reiterated	$44	+34.8%
Aug 27	Texas Capital Securities	Buy, reiterated	$40	+22.5%
Aug 11	Roth MKM	Buy, reiterated	$40	+22.5%
Aug 6	Canaccord Genuity	Buy, maintained	$44	+34.8%
Aug 5	BTIG	Hold, maintained	—	—

+4.1%average 20-day move after past Neutral readings

+2.6%average move over the next 20 trading days in the last 5 years

±3.3%typical daily move, from the 14-day average range

Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.

EZCORP seasonality: the next 20 trading days

Over the next 20 trading days from Oct 10, EZCORP averaged +2.6% across the last 5 years, rising in 2 of them.

Next 20 trading days, by year

Average move and hit rate

Window	Average	Years higher
Next 5 trading days	+0.7%	3 of 5
Next 10 trading days	−0.5%	2 of 5
Next 15 trading days	+3.2%	2 of 5
Next 20 trading days	+2.6%	2 of 5
Next 30 trading days	+5.6%	2 of 5

For scale, EZPW’s typical 20-trading-day move in either direction is about 6.5%.

EZCORP market cap and key statistics

EZCORP’s market cap is $1.91B, with a P/E ratio of 15.7 and revenue of $1.58B over the last twelve months.

Valuation

Market cap: $1.91B
P/E ratio: 15.7
Forward P/E: 13.7
EPS, TTM: $1.99
Gekko Fair Value: $34.89

Trading

Volume: 665,314
Avg volume, 20 days: 716,681
52-week high: $37.13
52-week low: $16.50
Shares outstanding: 58.47M

Financials

Revenue, TTM: $1.58B
Profit margin: 10%
Return on equity: 14.7%
Quarterly earnings growth, YoY: +41.2%

Risk and income

Beta: 0.71
Typical daily move: ±3.3%
Typical 20-day move: ±6.5%

EZCORP peers

EZCORP’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.

Stock	Today	GekkoIndex zone	vs Fair Value
VVisa	+0.9%	Neutral	0.1% below
MAMastercard	+0.4%	Neutral	2.4% below
AXPAmerican Express	+1.1%	Accumulation	9.3% below
COFCapital One Financial	+1.0%	Neutral	12.1% below
URIUnited Rentals	+0.4%	Neutral	7.5% below
RKTRocket Companies	−4.1%	Accumulation	25.9% below

A peer links to its own page where one exists.

EZCORP stock FAQ

What is EZCORP’s market cap?

EZCORP’s market cap is $1.91B at the Oct 12, 2026 close of $32.64, with 58.47M shares outstanding. The shares trade on a P/E ratio of 15.7.

What is the EZCORP stock forecast?

The consensus analyst 12-month price target for EZCORP is $40.80, +25.0% from the last close. Of the 4 firms that rated the stock in the last 90 days, 3 rate it a buy, 1 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.

Is EZCORP stock overvalued or undervalued?

On Gekko’s estimate EZCORP is undervalued: the Oct 12, 2026 close of $32.64 is 6.4% below Gekko Fair Value of $34.89. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.

When does EZCORP report earnings next?

EZCORP is expected to report on Nov 18, 2026 (37 days away). Analysts expect earnings of $0.40 per share on revenue of $427.2M. EZCORP beat the earnings estimate in 7 of its last 8 reports, moving 3.6% on average across the report.

What is EZCORP’s 52-week high and low?

EZCORP’s 52-week high is $37.13 and its 52-week low is $16.50; it closed at $32.64 on Oct 12, 2026, +73.3% over the past year.

Is EZCORP stock a buy right now?

Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (trend, fair value and earnings risk), 2 as mixed (gekkoindex and seasonality). The checklist is a description of current data, not a recommendation.

How this page works

During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →

Built and overseen by Jared Mann

Founder of Gekko.app. Jared has traded stocks and ETFs for more than 20 years and has a financial industry background.

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