EZCORP, Inc. (EZPW) Fair Value 2026

EZPW · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.6 /10

32 fundamental signals · 12 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, EZCORP, Inc. (EZPW) trades at $34.41, versus a $24.98 median fair value across its 12 active models — 27.4% below the current price. QOC: 8.6/10. Value Trap Risk: 0/100 (SAFE). 12/13 models active. Within that set, the Bayesian DCF component alone returns $41.71.

Key Facts

Ticker
EZPW
Price
$34.41
Quality Score
8.6/10
Value Trap Risk
0/100
Models Active
12/13
Last Updated
Strength: First Chicago suggests +37.2% upside with 59% confidence
Risk: Limited model coverage (12/13) may reduce confidence

Is EZCORP, Inc. (EZPW) Undervalued or Overvalued in 2026?

According to CirclFi’s 12-model valuation engine, EZCORP, Inc. (EZPW) appears overvalued as of : the median of 12 independent fair value estimates is $24.98, 27.4% below the current price of $34.41. Estimates range from $1.62 to $47.20. EZPW scores 8.6/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. EZPW’s -27.4% gap is wider than that market norm, and the Credit Services sector median is +17.2%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy EZCORP, Inc. Stock in 2026? →

What Fair Value Does Each Model Give EZPW?

12 Intrinsic Value Models vs. Current Price ($34.41)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $41.71 +21.2%
Intrinsic · High Conviction
 $8.13 -76.4%
Ensemble · Medium Conviction
 $25.14 -26.9%
Scenario · High Conviction
 $47.20 +37.2%
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What Is EZPW's Fair Value Range?

Spread across 12 independent models · $1.62 to $47.20

CirclFi's 12 active models place EZCORP, Inc. (EZPW) between $1.62 and $47.20 per share, a spread of 182% of the median. The median of that range — $24.98 — is the fair value CirclFi publishes for EZPW, against a current price of $34.41.

Low · Dynamic NAVHigh · First Chicago
$1.62median $24.98$47.20
Where the range comes from
Most bearish modelDynamic NAV$1.62
Most bullish modelFirst Chicago$47.20
Model agreement2 bullish · 10 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for EZPW. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on EZPW, not a CirclFi price target. How each model works →

What Is EZCORP, Inc. (EZPW) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, EZCORP, Inc.'s intrinsic value is estimated at $24.98. Trading at its current price of $34.41, the valuation engine raises significant caution: 10 of 12 models flag downside risk, projecting a median implied return of -27.4%. Model dispersion is worth noting: First Chicago targets $47.20 (+37.2%), versus Dynamic NAV at $1.62 (-95.3%). This +132.5% range highlights the importance of multi-model analysis rather than relying on any single methodology. Among models with highest confidence, EPV lean bearish — adding weight to the bearish side of the thesis.

What Do the Models Say About EZPW?

12 of 13 models are currently active for EZPW. Of these, 2 models suggest upside while 10 models suggest overvaluation. Taken together, their median fair value for EZPW is $24.98 — the figure CirclFi publishes as this stock's fair value. One component of that median, the Bayesian DCF, returns $41.71 on its own, implying +21.2% upside from the current price. See which stocks rank higher →

How Does EZPW Rank in Credit Services?

Among 54 Credit Services stocks, EZPW ranks #9 by Quality of Company score. CirclFi's QOC score of 8.6/10 evaluates 32 fundamental signals. A score of 8.6 places EZPW in the top tier.

See all Most Undervalued Credit Services Stocks →

EZCORP, Inc.'s positioning within the Credit Services segment means that CET1 capital ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including fee income diversification — shape both the opportunity set and risk profile.

Is EZPW a Value Trap?

CirclFi's Value Trap algorithm assigns EZPW a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

12 of 13 models are active for EZCORP, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, EZCORP, Inc. earns a quality score of 8.6/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +132.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every EZPW valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across EZPW's 12 active models, average confidence is 52%. Moderate confidence indicates reasonable fit.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy EZCORP, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

11 related Credit Services stocks with 13-model coverage

SEZLSezzle Inc.QOC 8.7FINVFinVolution GroupQOC 8.6SYFSynchrony FinancialQOC 8.9FCFSFirstCash Holdings, Inc.QOC 8.5LXLexinFintech Holdings Ltd.QOC 9.0PYPLPayPal Holdings, Inc.QOC 8.5RMRegional Management Corp.QOC 7.6SLMSLM CorporationQOC 7.0SPSTSuperstar Platforms, Inc.QOC 4.4JFINJiayin Group Inc.QOC 9.4MAMastercard IncorporatedQOC 9.1

Read investment analysis: SEZL · FINV · SYF · FCFS · LX · PYPL · RM · SLM · SPST · JFIN · MA

Which Other Stocks Have a Similar Quality Score to EZPW?

7 companies across all industries closest to EZPW’s Quality of Company score of 8.6/10.

AXTAAxalta Coating Systems Ltd.QOC 8.6URIUnited Rentals, Inc.QOC 8.6UANCVR Partners, LPQOC 8.6ULSUL Solutions Inc.QOC 8.6CHDNChurchill Downs IncorporatedQOC 8.6MNSOMINISO Group Holding LimitedQOC 8.6NVDANVIDIA CorporationQOC 10.0

Read investment analysis: AXTA · URI · UAN · ULS · CHDN · MNSO · NVDA

Where Does EZPW Sit in CirclFi's Credit Services Rankings?

EZPW is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About EZCORP, Inc.’s Valuation?

What is EZCORP, Inc.'s intrinsic value in 2026?

CirclFi puts EZCORP, Inc. (EZPW)'s intrinsic value at $24.98 — the median of 12 independent model estimates as of 2026-08-27, ranging from $1.62 to $47.20. One component of that median, the Bayesian DCF, runs 10,000 Monte Carlo simulations with jump-diffusion and returns $41.71 on its own. The Quality of Company score is 8.6/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is EZPW overvalued or undervalued right now?

At $34.41, 2 of 12 active models suggest EZPW may be undervalued, while 10 indicate potential overvaluation. The median of all 12 fair value estimates is $24.98, 27.4% below the current price of $34.41 — a consensus view that EZPW is overvalued. The assessment depends on which methodology best fits EZCORP, Inc.'s business model in Credit Services.

What does a Quality of Company score of 8.6 mean for EZPW?

EZCORP, Inc.'s QOC of 8.6/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on EZPW?

CirclFi analyzes EZPW with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 12 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on EZPW?

Of the 12 models currently active on EZPW, First Chicago is the most bullish at $47.20 per share, and Dynamic NAV is the most bearish at $1.62. CirclFi's published fair value for EZPW is the median of that range, $24.98, not either extreme. The gap between the two ends equals 182% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is EZPW a value trap in 2026?

EZCORP, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 12-model valuation engine, EZCORP, Inc. (EZPW) has a median fair value of $24.98 — 27.4% below the current price of $34.41 — as of 2026-08-27.” Source: circlfi.com/stock/EZPW/ · Methodology
Primary sources for this EZPW valuation
  • Financial statements: EZCORP, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000876523) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for EZPW as of ; valuations recomputed .

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