Should You Buy EZCORP Inc (EZPW) Today? Analysis, Price Targets, and 2026 Outlook.
Conclusion
Buy
Latest Price
21.090
1 Day change
0.52%
52 Week Range
22.110
Analysis Updated At
2026/01/28
BUY now for a beginner long-term investor. EZPW is pulling back to a key support area (~20.97) while longer-term trend structure remains bullish (SMA_5 > SMA_20 > SMA_200). Fundamentals are improving sharply (2025/Q4 strong YoY growth) and Wall Street price targets (26–28) imply meaningful upside from ~20.96. The main near-term drawback is heavy insider selling recently, but the overall setup still favors buying now rather than waiting for a “perfect” entry.
Technical Analysis
**Trend/price action:** Price closed at 20.96, sitting right on S1 support (20.965) and below the pivot (21.431), after a -1.64% regular-session drop. This is a pullback within a still-bullish longer-term trend.
**Moving averages:** Bullish alignment (SMA_5 > SMA_20 > SMA_200) supports a primary uptrend suitable for long-term positioning.
**Momentum:** MACD histogram is negative (-0.0837) and worsening, signaling near-term downside momentum; RSI_6 at 41.7 is neutral-to-slightly weak (not oversold).
**Key levels:** Support: 20.97 (S1), then 20.68 (S2). Resistance: 21.43 (pivot), then 21.90 (R1) and 22.19 (R2). A reclaim of ~21.43 would improve short-term tone.
**Intellectia Proprietary Trading Signals**
- [AI Stock Picker](module://ai_stock_pick): No signal on given stock today.
- [SwingMax](module://swingmax): No signal on given stock today.
Options Data
Bullish
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio
**Sentiment from options:** Put/call ratios below 1.0 (OI PCR 0.9; Volume PCR 0.8) indicate slightly bullish positioning (more calls than puts).
**Volatility:** 30D IV 37.61 vs historical volatility 32.33 suggests options are pricing somewhat elevated movement; IV percentile 59.6 is mid-range (not extreme).
**Activity:** Today’s option volume is light (45 contracts) and below recent averages (vs 5D/10D ~61), so the bullish skew is present but not strongly “high-conviction” based on volume.
Technical Summary
Sell
4
Buy
6
Positive Catalysts
- Strong operating momentum in the latest reported quarter (2025/Q4) with big YoY net income and EPS growth.
- Analyst price targets have been raised recently (multiple firms now at ~$26–$28), reinforcing a positive institutional narrative.
- Upcoming earnings: QDEC 2025 results on 2026-02-02 after hours (event-driven catalyst; consensus EPS est. 0.40).
Recent trend: ratings remain positive (Buy/Outperform) with **price targets revised upward**.
- 2026-01-20 (Citizens): PT raised to $26 (from $23), Outperform.
- 2026-01-06 (Roth): PT raised to $26 (from $22), Buy, citing robust momentum and expansion via Founders One stake.
- 2025-11-17 (Canaccord): PT raised to $28 (from $27), Buy, citing record quarter and growth in PLO/PSC and merchandise sales.
- 2025-11-03 (Citizens JMP): Initiated Outperform, PT $23, citing operational turnaround and conservative valuation.
Wall Street pros: operational turnaround, consistent growth, geographic expansion, and improving profitability.
Wall Street cons: none explicitly highlighted in the provided notes, but the key counter-signal from the data is heavy insider selling.
Politicians/congress: No recent congress trading data available; no politician activity provided.
Wall Street analysts forecast EZPW stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for EZPW is 24.75 USD with a low forecast of 22 USD and a high forecast of 28 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
5 Analyst Rating
Wall Street analysts forecast EZPW stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for EZPW is 24.75 USD with a low forecast of 22 USD and a high forecast of 28 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Buy
2 Hold
0 Sell
Moderate Buy
Current: 20.980
Low
22
Averages
24.75
High
28
Current: 20.980
Low
22
Averages
24.75
High
28
Citizens
David Scharf
Outperform
maintain
$23 -> $26
AI Analysis
2026-01-20
Reason
Citizens
David Scharf
Price Target
$23 -> $26
AI Analysis
2026-01-20
maintain
Outperform
Reason
Citizens analyst David Scharf raised the firm's price target on Ezcorp to $26 from $23 and keeps an Outperform rating on the shares. Consumer Finance and FinTech stocks enjoyed tailwinds from evidence of credit stabilization, lower funding costs, and a post-election rally that included a shift to a historically benign regulatory backdrop, the analyst tells investors in a research note. The macro backdrop appears to be "chugging along," with credit and spending trends largely shrugging off the price impacts from tariffs, resumption of student loan collections, and core inflation pressure, the firm says.
Roth Capital
Buy
maintain
$22 -> $26
2026-01-06
Reason
Roth Capital
Price Target
$22 -> $26
2026-01-06
maintain
Buy
Reason
Roth Capital raised the firm's price target on Ezcorp to $26 from $22 and keeps a Buy rating on the shares after the company acquired a controlling interest in Founders One. The firm cites Ezcorp's execution and "robust business momentum" for the target boost. It says the acquisition brings the company geographic expansion.
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