EZCORP Inc. Class A Non Voting (EZPW) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-02, EZCORP Inc. Class A Non Voting (NASDAQ: EZPW) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $28.11 (-3.43% 1D, market cap $1.79B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, EZPW ranks #260 in composite RQD confidence.
Within the Consumer Discretionary sector (Other Specialty Stores), EZPW carries a Roarable C (64/100 RQD), trailing P/E of 16.3x, gross margin of 58.5%, and ROIC of 10.5%. By comparison, ARHS (Arhaus Inc. (Class A)) holds a B grade (75/100 RQD, P/E 26.8x, ROIC 42.6%, cap $1.80B) and SBH (Sally Beauty Holdings Inc. (Name to be changed from Sally Holdings Inc.)) posts a B+ grade (78/100 RQD, P/E 8.7x, ROIC 38.9%, cap $1.71B). Among the 5-stock peer group, SBH leads on earnings multiple (8.7x) while ARHS leads on capital efficiency (42.6% ROIC).
Per EZPW's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0000876523), EZCORP Inc. Class A Non Voting generated $1.27B in revenue (+9.7% YoY), $109.6M in net income, and $149.0M in free cash flow against $1.99B in total assets and $518.6M in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
Altman Z-Score 3.10 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 9/9
Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)
Even with a 64/100 (C) score, EZPW faces multiple-compression risk if 16.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 56.0% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($31.52) or 200D SMA ($29.65) invalidates the momentum regime and cuts Target Base ($28.87) toward Bear Floor ($22.52).
EZCORP Inc. Class A Non Voting (EZPW) dropped -3.43% to $28.11, trading at 56% of its 52-week range ($16.5 – $37.13). Solid 59% profit margin (11% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.
Conestoga Capital Advisors, an asset management company, released its third-quarter 2026 investor letter. The letter can be downloaded here. Conestoga Capital Advisors released its third-quarter 2026 investor letter, out
Conestoga Micro Cap Composite reports 3Q26 performance highlights and portfolio adjustments. Review the latest leadership and laggard insights here.
EZCORP (EZPW) is back in focus after its shares slipped alongside peer FirstCash, as a gold price drop pressured sentiment toward pawn lenders and their collateral values. EZCORP’s latest slide comes after a sharp 1 day
Enova International (ENVA) delivered earnings and revenue surprises of +0.45% and +0.84%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Key TakeawaysFirstCash shares fell 13% today and EZCORP’s fell 10%, even though FirstCash beat third-quarter estimates for revenue and adjusted earnings and raised its dividend 10%. The selloff looks like an overreaction
EZCORP (EZPW) clears Caviar Cruise quality-screen hurdles with strong EBIT growth, 15.85% ROIC and cash flow, though valuation and ROIC caveats remain.
Canaccord Genuity analyst Brian McNamara maintains EZCORP (NASDAQ:EZPW) with a Buy and raises the price target from $44 to $45.
EZCORP passes Minervini Trend Template and high-growth momentum screens, but weak setup rating means investors should wait for a proper entry.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +9.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on EZPW today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for EZPW. Explore sector supply chains on /butterfly.
Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, EZCORP Inc. Class A Non Voting (EZPW) ranks #260 by composite RQD confidence (64/100, grade C) and #430 by equity capitalization ($1.79B). Within this direct 5-issuer industry benchmark cohort, SBH leads on earnings valuation at 8.7x trailing P/E, while ARHS leads on capital efficiency and profitability with 42.6% ROIC and 38.9% gross margin. SBH currently holds the highest overall quantitative score in the immediate peer group at 78/100 (B+) compared with EZPW at 64/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| EZPW
ACTIVE
EZCORP Inc. Class A Non Voting | C | 64/100 | 16.3x | 58.5% | 10.5% | -3.43% | $1.79B | Benchmark Subject |
| ARHS Arhaus Inc. (Class A) | B | 75/100 | 26.8x | 38.9% | 42.6% | -2.05% | $1.80B | /arhs-vs-ezpw → |
| SBH Sally Beauty Holdings Inc. (Name to be changed from Sally Holdings Inc.) | B+ | 78/100 | 8.7x | 51.6% | 38.9% | -0.44% | $1.71B | /sbh-vs-ezpw → |
| BOBS Bob's Discount Furniture Inc. | D+ | 52/100 | — | — | — | +0.85% | $2.15B | /bobs-vs-ezpw → |
| SVV Savers Value Village Inc. | D | 46/100 | 64.5x | — | 9.3% | -1.59% | $1.46B | /svv-vs-ezpw → |
In its most recent audited fiscal period (FY2025, filed 2025-09-30), EZCORP Inc. Class A Non Voting (EZPW) reported GAAP revenue of $1.27B (+9.7% vs. FY2024 revenue of $1.16B , and +21.5% cumulative change since FY2023) , GAAP net income of $109.6M, operating cash flow of $149.0M, and free cash flow of $149.0M (+31.1% YoY). On the balance sheet, EZPW closed FY2025 with $1.99B in total assets against $518.6M in total debt (Altman Z-Score: 3.10, Piotroski F-Score: 9/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-09-30 | $1.27B | $109.6M | $149.0M | $149.0M | $1.99B | $518.6M |
| FY2024 (FY) | 2024-09-30 | $1.16B | $83.1M | $113.6M | $113.6M | $1.50B | $224.5M |
| FY2023 (FY) | 2023-09-30 | $1.05B | $38.5M | $101.8M | $101.8M | — | — |
As of 2026-11-02, EZCORP Inc. Class A Non Voting (NASDAQ: EZPW) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $28.11 (-3.43% 1D, market cap $1.79B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, EZPW ranks #260 in composite RQD confidence.
Within the Consumer Discretionary sector (Other Specialty Stores), EZPW carries a Roarable C (64/100 RQD), trailing P/E of 16.3x, gross margin of 58.5%, and ROIC of 10.5%. By comparison, ARHS (Arhaus Inc. (Class A)) holds a B grade (75/100 RQD, P/E 26.8x, ROIC 42.6%, cap $1.80B) and SBH (Sally Beauty Holdings Inc. (Name to be changed from Sally Holdings Inc.)) posts a B+ grade (78/100 RQD, P/E 8.7x, ROIC 38.9%, cap $1.71B). Among the 5-stock peer group, SBH leads on earnings multiple (8.7x) while ARHS leads on capital efficiency (42.6% ROIC).
Per EZPW's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0000876523), EZCORP Inc. Class A Non Voting generated $1.27B in revenue (+9.7% YoY), $109.6M in net income, and $149.0M in free cash flow against $1.99B in total assets and $518.6M in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
EZPW last traded at $28.11 (-3.43% on volume of 1,063,604 shares), positioning the stock -10.82% below its 50-day simple moving average ($31.52) and -5.19% below its 200-day simple moving average ($29.65). Across its 52-week range of $16.50 to $37.13, EZPW sits at the 56.3% percentile with a 14-day RSI of 41.4 (NEUTRAL RANGE) and an implied next-earnings move of ±8.8% ($25.64 to $30.58).
Why EZPW Stock dropped -3.43% Today — RQD Quant Desk Flash. Solid 59% profit margin (11% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.
Per the Roarable RQD rating, EZPW scores 64 out of 100, a letter grade of C, with the verdict "Roarable Hold — Fair / Balanced Risk-Reward." Across the five pillars, the fundamental cash engine scores 14 of 20, citing ROIC of 10.5% and FCF yield of 8.33%, which points to a business that generates real cash relative to its market value without being exceptional on either measure. The whale/13F flow pillar scores 7 of 20, the lowest of the five, indicating that institutional accumulation and options positioning provide limited support in this rating framework. The insider conviction pillar scores 17 of 20, the highest, reflecting SEC Form 4 and Congressional PTR cluster flow as a relative strength. The macro regime fit pillar scores 11 of 20, consistent with a beta of 1.0 and the sector sensitivity noted in the rating. The forensic balance sheet pillar scores 15 of 20, supported by an Altman Z-Score of 3.1, a Piotroski F-Score of 9 of 9, and a Debt/Equity ratio of 0.48.
For a prospective investor evaluating the stock today, the rating frames a balanced setup: strong balance sheet quality and insider flow offset weaker institutional support and macro fit. The upside case rests on sustaining cash generation and the insider-flow signal; the valuation tradeoff is that a P/E of 16.3 (TTM) against a forward P/E of 15.2 prices in modest earnings growth rather than a discount. The 52-week range of $16.5 to $37.13 shows the stock trading well inside its historical band, which the rating does not interpret directionally.
EZPW is listed on NASDAQ and classified under the Consumer Discretionary sector, within the Other Specialty Stores industry, per the company profile. The profile identifies the company as an issuer with a market capitalization of $1.8B. Not available in source data for detailed product lines, customer base, or revenue model description beyond the sector and industry classification.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $1274.3M | $149.2M | $109.6M | N/A | $149.0M | $465.9M | $518.6M |
| FY 2024 | $1161.6M | $112.5M | $83.1M | N/A | $113.6M | $174.5M | $224.5M |
| FY 2023 | $1049.0M | $92.2M | $38.5M | N/A | $101.8M | N/A | N/A |
Per the SEC financials, revenue grew from $1049.0M in FY 2023 to $1274.3M in FY 2025, and net income rose from $38.5M to $109.6M over the same span. Per the market data, gross margin is 58.5%, operating margin 11.7%, and net margin 8.6%, with ROIC at 10.5%. Per the Roarable RQD rating, the Altman Z-Score is 3.1 and the Piotroski F-Score is 9 of 9, and Debt/Equity is 0.48. Cash rose to $465.9M in FY 2025 while debt rose to $518.6M, so both balance sheet lines expanded in the most recent period.
Real-time company headlines, analyst actions, and sector developments for EZCORP Inc. Class A Non Voting (EZPW) • Click "Debate This Headline" to argue it in the Roar Pit below
Conestoga Capital Advisors, an asset management company, released its third-quarter 2026 investor letter. The letter can be downloaded here. Conestoga Capital Advisors released its third-quarter 2026 investor letter, out
Conestoga Micro Cap Composite reports 3Q26 performance highlights and portfolio adjustments. Review the latest leadership and laggard insights here.
EZCORP (EZPW) is back in focus after its shares slipped alongside peer FirstCash, as a gold price drop pressured sentiment toward pawn lenders and their collateral values. EZCORP’s latest slide comes after a sharp 1 day
Enova International (ENVA) delivered earnings and revenue surprises of +0.45% and +0.84%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Key TakeawaysFirstCash shares fell 13% today and EZCORP’s fell 10%, even though FirstCash beat third-quarter estimates for revenue and adjusted earnings and raised its dividend 10%. The selloff looks like an overreaction
EZCORP (EZPW) clears Caviar Cruise quality-screen hurdles with strong EBIT growth, 15.85% ROIC and cash flow, though valuation and ROIC caveats remain.
Canaccord Genuity analyst Brian McNamara maintains EZCORP (NASDAQ:EZPW) with a Buy and raises the price target from $44 to $45.
EZCORP passes Minervini Trend Template and high-growth momentum screens, but weak setup rating means investors should wait for a proper entry.
Welcome to the EZPW (EZCORP Inc. Class A Non Voting) Roar Pit. Current RQD Composite is 64/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Other Specialty Stores. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on EZPW, but look at what you are paying: 16.3x trailing P/E with 58.5% gross margins. Unless EZCORP Inc. Class A Non Voting expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on EZPW, the market is fixating on short-term headline noise in Other Specialty Stores and ignoring the balance sheet and cash flow trajectory. At $29.11 (52-wk range $16.50 - $37.13), any beat on forward guidance forces shorts and underweight funds to chase.
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