EZPW Relative Valuation
EZPW's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, EZPW is overvalued; if below, it's undervalued.
Historical Valuation
EZCORP Inc (EZPW) is now in the Overvalued zone, suggesting that its current forward PS ratio of 0.87 is considered Overvalued compared with the five-year average of 14.63. The fair price of EZCORP Inc (EZPW) is between 12.86 to 17.17 according to relative valuation methord. Compared to the current price of 21.49 USD , EZCORP Inc is Overvalued By 25.18%.
Relative Value
Fair Zone
12.86-17.17
Current Price：21.49
25.18%
Overvalued
13.46
PE
1Y
3Y
5Y
7.37
EV/EBITDA
EZCORP Inc. (EZPW) has a current EV/EBITDA of 7.37. The 5-year average EV/EBITDA is 4.83. The thresholds are as follows: Strongly Undervalued below -0.78, Undervalued between -0.78 and 2.03, Fairly Valued between 7.64 and 2.03, Overvalued between 7.64 and 10.45, and Strongly Overvalued above 10.45. The current Forward EV/EBITDA of 7.37 falls within the Historic Trend Line -Fairly Valued range.
9.45
EV/EBIT
EZCORP Inc. (EZPW) has a current EV/EBIT of 9.45. The 5-year average EV/EBIT is 11.99. The thresholds are as follows: Strongly Undervalued below -6.46, Undervalued between -6.46 and 2.76, Fairly Valued between 21.21 and 2.76, Overvalued between 21.21 and 30.44, and Strongly Overvalued above 30.44. The current Forward EV/EBIT of 9.45 falls within the Historic Trend Line -Fairly Valued range.
0.87
PS
EZCORP Inc. (EZPW) has a current PS of 0.87. The 5-year average PS is 0.51. The thresholds are as follows: Strongly Undervalued below 0.29, Undervalued between 0.29 and 0.40, Fairly Valued between 0.62 and 0.40, Overvalued between 0.62 and 0.73, and Strongly Overvalued above 0.73. The current Forward PS of 0.87 falls within the Strongly Overvalued range.
6.45
P/OCF
EZCORP Inc. (EZPW) has a current P/OCF of 6.45. The 5-year average P/OCF is 2.24. The thresholds are as follows: Strongly Undervalued below -22.98, Undervalued between -22.98 and -10.37, Fairly Valued between 14.85 and -10.37, Overvalued between 14.85 and 27.46, and Strongly Overvalued above 27.46. The current Forward P/OCF of 6.45 falls within the Historic Trend Line -Fairly Valued range.
12.45
P/FCF
EZCORP Inc. (EZPW) has a current P/FCF of 12.45. The 5-year average P/FCF is 7.61. The thresholds are as follows: Strongly Undervalued below -5.54, Undervalued between -5.54 and 1.04, Fairly Valued between 14.18 and 1.04, Overvalued between 14.18 and 20.75, and Strongly Overvalued above 20.75. The current Forward P/FCF of 12.45 falls within the Historic Trend Line -Fairly Valued range.
EZCORP Inc (EZPW) has a current Price-to-Book (P/B) ratio of 1.19. Compared to its 3-year average P/B ratio of 0.79 , the current P/B ratio is approximately 49.89% higher. Relative to its 5-year average P/B ratio of 0.71, the current P/B ratio is about 67.63% higher. EZCORP Inc (EZPW) has a Forward Free Cash Flow (FCF) yield of approximately 9.04%. Compared to its 3-year average FCF yield of 10.87%, the current FCF yield is approximately -16.84% lower. Relative to its 5-year average FCF yield of 9.25% , the current FCF yield is about -2.29% lower.
1.19
P/B
Median3y
0.79
Median5y
0.71
9.04
FCF Yield
Median3y
10.87
Median5y
9.25
Competitors Valuation Multiple
The average P/S ratio for EZPW's competitors is 0.86, providing a benchmark for relative valuation. EZCORP Inc Corp (EZPW) exhibits a P/S ratio of 0.87, which is 0.61% above the industry average. Given its robust revenue growth of 14.35%, this premium appears unsustainable.
Performance Decomposition
1Y
3Y
5Y
Market capitalization of EZPW increased by 78.93% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 5.16 to 7.93.
The secondary factor is the Revenue Growth, contributed 14.35%to the performance.
Overall, the performance of EZPW in the past 1 year is driven by Margin Expansion. Which is more sustainable.
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Frequently Asked Questions
Is EZCORP Inc (EZPW) currently overvalued or undervalued?
EZCORP Inc (EZPW) is now in the Overvalued zone, suggesting that its current forward PS ratio of 0.87 is considered Overvalued compared with the five-year average of 14.63. The fair price of EZCORP Inc (EZPW) is between 12.86 to 17.17 according to relative valuation methord. Compared to the current price of 21.49 USD , EZCORP Inc is Overvalued By 25.18% .
What is EZCORP Inc (EZPW) fair value?
EZPW's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of EZCORP Inc (EZPW) is between 12.86 to 17.17 according to relative valuation methord.
How does EZPW's valuation metrics compare to the industry average?
The average P/S ratio for EZPW's competitors is 0.86, providing a benchmark for relative valuation. EZCORP Inc Corp (EZPW) exhibits a P/S ratio of 0.87, which is 0.61% above the industry average. Given its robust revenue growth of 14.35%, this premium appears unsustainable.
What is the current P/B ratio for EZCORP Inc (EZPW) as of Jan 08 2026?
As of Jan 08 2026, EZCORP Inc (EZPW) has a P/B ratio of 1.19. This indicates that the market values EZPW at 1.19 times its book value.
What is the current FCF Yield for EZCORP Inc (EZPW) as of Jan 08 2026?
As of Jan 08 2026, EZCORP Inc (EZPW) has a FCF Yield of 9.04%. This means that for every dollar of EZCORP Inc’s market capitalization, the company generates 9.04 cents in free cash flow.
What is the current Forward P/E ratio for EZCORP Inc (EZPW) as of Jan 08 2026?
As of Jan 08 2026, EZCORP Inc (EZPW) has a Forward P/E ratio of 13.46. This means the market is willing to pay $13.46 for every dollar of EZCORP Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for EZCORP Inc (EZPW) as of Jan 08 2026?
As of Jan 08 2026, EZCORP Inc (EZPW) has a Forward P/S ratio of 0.87. This means the market is valuing EZPW at $0.87 for every dollar of expected revenue over the next 12 months.