EZCORP (EZPW.US) Price Target 2026/2027: 40% Upside – Rating and Stock Analysis

29,35
-1,46%
Price history for EZCORP (EZPW.US) – stock price at 29.35 $, August 2026
EZCORP stock price – price development 2026. Updated Aug 6, 2026.
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EZCORP Price Target 2026: Analysts See 39% Upside

The average price target for EZCORP is $40.80. This price target represents the analysts' view of the stock price over the next 12 months. The stock may be undervalued, because the price target is higher than the current price. The stock is 39,04% below the target, which can point to potential returns within the next 12 months if the analysts' view proves right. Also consider the stock's valuation ratios such as P/E, P/S and P/B, plus the technical analysis further down the page, for the full picture.

Is EZCORP overvalued or undervalued?

EZCORP is currently undervalued with a gap of 39% relative to the price target.


The current price is $29.35, which places EZCORP in the undervalued category. The stock is considered undervalued when the price is below $36.72, and overvalued when the price exceeds $44.88.


The fair value range is defined as ±10% of the price target, because price targets are estimates rather than exact values. For EZCORP, the fair value range lies between $36.72 and $44.88.


See the full price target analysis for EZCORP →

Analyst Ratings for EZCORP stock in 2026: Buy

5 analysts cover EZCORP. The majority is positive, with 60% recommending Buy, while 40% recommend Hold. The average price target is $40.80, which gives an upside of 39% from the current price.

Consensus: Buy (4.00/5)
Strong Buy
2 (40%)
Buy
1 (20%)
Hold
2 (40%)
Strong Sell Sell Hold Buy Strong Buy
4.00 out of 5 based on 5 analysts

About EZCORP – Credit Services

EZCORP, Inc. provides pawn services in the United States, Mexixo, and Latin America. It operates through U.S. Pawn, Latin America Pawn, and Other Investments segments. The company retails merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. It also provides pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. In addition, the company offers EZ+, a web-based application that allow customers to manage their pawn transactions, layaways, and loyalty rewards online. Further, the company operates under the EZPAWN, Value Pawn & Jewelry, Empeño Fácil, Cash Apoyo Efectivo, GuatePrenda, and MaxiEfectivo brands. EZCORP, Inc. was incorporated in 1989 and is headquartered in Austin, Texas. Read more about the company

Key Figures for EZCORP

$ 1,9B Market cap
$ 1,5B Revenue
Credit Services Industry
16.35 P/E
1.29 P/S
1.64 P/B
USA Listed on exchange
ezcorp.com Website

What kind of stock is EZCORP?

Growth stock Value stock

EZCORP is classified as a growth stock and value stock. This means the stock combines several attractive traits.

Score Overview for EZCORP

💰 Value Score 80/100 (Very High)
⭐ Quality Score 55/100 (Neutral)
🚀 Momentum Score 58/100 (Neutral)
📊 Total Score 64/100

⚠️ 1 red flag identified 1 critical

Our analysis has identified 1 potential risk factor in EZCORP that investors should be aware of.

🚨 High short interest: 25.0% of the shares are sold short – many professional investors are betting on price declines.

📈 Valuation

EZCORP trades at a P/E ratio of 16.3, which is close to the market average. The forward P/E is 13.6 (17% lower), which suggests the market expects rising earnings. The P/S ratio is 1.3. The P/B ratio is 1.6. The PEG ratio is 0.28 — below 1.0 suggests the stock is cheap relative to its growth rate.

💵 Profitability & Growth

EZCORP has a profit margin of 9.9% (moderate) and an operating margin of 15.2%. Return on equity (ROE) is 14.8% — solid return on equity. Return on assets (ROA) is 6.4%. The latest quarterly earnings grew 82.7% year over year — strong growth.

🏦 Financial Health

The Piotroski score is 6 out of 9 — good financial health. The debt-to-equity ratio (D/E) is 85.6% — low debt, a solid balance sheet.

🚀 Momentum & Short Interest

Short interest is 24.98% — very high, the market is skeptical.

Insider Trading in EZCORP 2026: The Signal Is negative

In 2026, insiders at EZCORP have made 20 transactions – split into 5 purchases and 15 sales. On a net basis, insiders took 5,692,490 $ out of the stock. Active insiders include Tillett Gary, Kulas Jason A., ESPINOSA PABLO LAGOS and others. In the short term (last 3 months), the insider signal is negative.

Short-Term Signal (3 months): Negative

Insiders have exclusively sold shares over the last 3 months.

Over the last 3 months: 0 purchases and 4 sales. A net 1,846,580 $ out of the stock.

Long-Term Signal (all transactions): Mostly negative

Insiders have sold considerably more than they have bought. At large companies this can be due to planned sales (10b5-1 plans) and is not necessarily a negative signal.

Across the last 20 transactions: 5 purchases and 15 sales. A net 5,692,490 $ out of the stock.

Latest purchase: Tillett Gary bought 6,641 shares at 26 $ each on 2026-03-26. The stock has since risen 16.3%.

Latest sale: ESPINOSA PABLO LAGOS sold 10,000 shares at 36 $ each on 2026-07-06.

Who is buying: Tillett Gary, Kulas Jason A., ESPINOSA PABLO LAGOS, Arnold Zena Srivatsa, APPEL MATTHEW W.

Who is selling: ESPINOSA PABLO LAGOS, APPEL MATTHEW W, Kulas Jason A., Sajnani Sunil, Tillett Gary and others.

Latest Insider Trades in EZCORP (2026)

The table shows the last 20 reported insider transactions in EZCORP. Green rows are purchases, red rows are sales. The data is based on official filings.

Transaction date Name Type Number of shares Price per share ($) Total amount ($)
2026-07-06 ESPINOSA PABLO LAGOS Sell 10,000 36 355,400
2026-06-05 ESPINOSA PABLO LAGOS Sell 10,000 32 320,000
2026-05-20 APPEL MATTHEW W Sell 15,037 33 499,980
2026-05-12 Kulas Jason A. Sell 20,000 34 671,200
2026-03-26 Tillett Gary Buy 6,641 26 170,010
2026-03-26 Kulas Jason A. Buy 6,641 26 170,010
2026-03-26 ESPINOSA PABLO LAGOS Buy 6,641 26 170,010
2026-03-26 Arnold Zena Srivatsa Buy 6,641 26 170,010
2026-03-26 APPEL MATTHEW W Buy 6,641 26 170,010
2026-03-02 Sajnani Sunil Sell 18,353 27 491,126

Who is buying and selling EZCORP shares in 2026?

The following insiders have bought shares in EZCORP: Tillett Gary, Kulas Jason A., ESPINOSA PABLO LAGOS, Arnold Zena Srivatsa, APPEL MATTHEW W. In total, 850,048 $ was bought across 5 transactions. The following insiders have sold shares: ESPINOSA PABLO LAGOS, APPEL MATTHEW W, Kulas Jason A., Sajnani Sunil, Tillett Gary and others. In total, 6,542,538 $ was sold across 15 transactions. Insider trades are legal transactions in which executives and board members buy or sell shares of their own company. These transactions are reported to the SEC and are publicly available.

EZCORP Short Selling 2026: 25.0% Sold Short

Extremely shorted: 25.0% of the free float
Short % of free float
25.0%
Assessment
Extremely shorted
Short squeeze risk
Very High
Data source
SEC
Updated daily
The stock has an extremely high share of short selling. More than 20% of the freely traded shares are sold short, which is unusual and can point to great skepticism among institutional investors. The risk of a short squeeze on positive news is considerable.

What does this mean for you as an investor?
A short interest of 25.0% means that 25.0% of the freely traded shares in EZCORP have been borrowed and sold by investors betting on falling prices. On positive surprises (e.g. a strong earnings report), short sellers can be forced to buy back shares quickly to close their positions, which can cause a short squeeze with sharp price gains in a short time.

Data is updated daily based on official filings with the SEC.
Short Interest Scale
0% 2% 5% 10% 20%+
Low Moderate High Very High Extreme
25.0%

When Does EZCORP Report Earnings?

The next earnings date for EZCORP is not yet available. Check the company's investor calendar for more information.



Technical Analysis of EZCORP 2026 – Signal: Hold

Overall Technical Signal: Hold

Based on trend analysis (SMA50/SMA200) and MACD trend (positive/negative on a daily + weekly basis). Updated August 6, 2026.

Technical analysis of EZCORP (EZPW.US) – RSI 42, MACD negative (bearish), daily candlestick chart August 2026
EZCORP technical analysis – candlestick chart with RSI and MACD. Updated Aug 6, 2026.

Trend Analysis of EZCORP, Inc

EZCORP, Inc is in a short-term downtrend. The price of $29.78 is 4.9% below the 20-day average ($31.31). Medium term, the picture is negative: the price is 6.9% below the 50-day average ($31.99). Long term, the stock is 14.5% above the 200-day average ($26.01), which confirms a long-term uptrend.

Golden Cross: The 50-day average (31.99) is above the 200-day average (26.01), which is a classic bullish signal for EZCORP, Inc.

Is EZCORP, Inc overbought or oversold?

EZCORP, Inc has an RSI of 42.4. The stock sits in the lower part of the neutral zone, which points to weak momentum without being oversold.

MACD Analysis for EZCORP, Inc

Daily MACD: MACD is negative (-0.759), which means the short-term trend is bearish (the 12-day EMA is below the 26-day EMA). MACD is below the signal line (-0.647) by 0.112, which confirms growing negative momentum in the downtrend.

Weekly MACD: MACD5 is positive (2.157), which indicates a broader bullish long-term trend. MACD5 is below the signal line (2.855) by 0.698, which suggests the long-term momentum is fading – the positive trend could come under pressure.

Overall MACD assessment: The daily and weekly MACD give conflicting signals. The long-term trend is bullish, but the short-term trend is bearish. Short-term momentum is still falling – a deeper pullback is possible.

Risk Profile for EZCORP, Inc

EZCORP, Inc has an annual standard deviation of 37.4%, which classifies the stock as medium risk. The price can swing noticeably when the market moves.

Overall Technical Conclusion for EZCORP, Inc

Trend: Neutral/mixed.

MACD trend (zero line): Daily bearish (-0.759). Weekly bullish (2.157).

MACD momentum (signal): Daily falling. Weekly falling.

RSI: 42.4 – neutral.

Technical signal: Hold

The signals are mixed – trend and MACD point in different directions. Wait until MACD crosses the zero line in the direction of the trend before acting.

Frequently Asked Questions About EZCORP stock in 2026

Should you buy EZCORP stock now?
The technical signal for EZCORP is currently NEUTRAL. EZCORP trades at $29.35 as of 8/6/2026. The overall technical signal is: Hold. The technical analysis shows the following: MACD is negative (bearish trend) at -0.759 with falling momentum (signal: -0.647); RSI is at 42.4 (neutral zone); the stock is in a short-term downtrend (price below the 20-day average); the analyst price target of $40.80 points to 39.0% upside. This is a technical observation based on current data, not investment advice.
What is the price target for EZCORP stock?
The average analyst price target for EZCORP is $40.80. The current price is $29.35, which gives an upside of 39.0%. Based on this, the stock is considered undervalued. The fair value range (±10% of the price target) is between $36.72 and $44.88.
Is EZCORP a dividend stock?
No, EZCORP does not currently pay a dividend to shareholders. The company reinvests its profits in growth instead of paying dividends.
What is the risk of EZCORP stock?
EZCORP is rated as a stock with moderate risk. the annual standard deviation is 37.4%, which classifies the stock as moderate risk.
Is EZCORP overvalued?
No, EZCORP is considered undervalued based on the analyst price target (39.0% upside). EZCORP has the following valuation ratios: a P/E ratio of 16.3 (moderately valued), a P/S ratio of 1.3, a P/B ratio of 1.6. The analyst price target suggests that the stock is undervalued by 39.0%.
Is EZCORP overbought?
No, EZCORP is not overbought. RSI is at 42.4 (neutral zone). The technical indicators show: RSI is at 42.4 (neutral zone between 30-70), which signals neither overbought nor oversold. In addition, the price is 6.3% below the 20-day average (short-term downtrend). In addition, MACD is negative with falling momentum (bearish).
When is the next EZCORP earnings report?
The date of the next earnings report for EZCORP has not been published yet. Check the company's investor calendar for updates.
Is EZCORP shorted?
Yes, EZCORP is shorted with 25.0% of the free float sold short. This is an extremely high level of short selling, which points to great skepticism among institutional investors. The risk of a short squeeze on positive news or earnings is very high. Data is updated daily based on official filings with the SEC.
Are insiders buying EZCORP stock?
No, insiders are not buying EZCORP shares – they are net sellers. Over the last 3 months, insiders have made 0 purchases and 4 sales. On a net basis, 1,846,580 $ worth of shares were sold. Across the last 20 reported transactions, the split is 5 purchases and 15 sales, with a net 5,692,490 $ sold. Active sellers include ESPINOSA PABLO LAGOS, APPEL MATTHEW W, Kulas Jason A. and others. Insider selling can have several explanations (e.g. planned 10b5-1 sales, portfolio diversification or taxes), but sustained selling by several insiders is worth watching closely.
Is EZCORP a good stock?
Based on our total score, EZCORP is rated as a good stock with a total score of 64 out of 100. The stock scores above average on value, quality and momentum – it is among the top 36% in our database. The score is made up of Value: 80/100, Quality: 55/100, Momentum: 58/100. In addition: analysts see 39.0% upside to the price target; technical signal: Hold. Whether EZCORP is a good investment depends on your time horizon, risk profile and portfolio. This is a data-driven observation, not investment advice.
What is the outlook for EZCORP stock?
The outlook for EZCORP based on current data: the average analyst price target is $40.80 (+39.0%); the P/E ratio is 16.3 (moderate). Keep in mind that stock prices are affected by many factors, including earnings reports, the economy and market sentiment. Past returns are no guarantee of future returns.
Why is EZCORP stock falling?
EZCORP is falling right now. The technical indicators show: the price is 6.3% below the 20-day average; MACD is negative with falling momentum (bearish signal); short interest is 25.0% (high – many are betting on a decline); insiders have mostly been selling the stock recently. For the latest context, see our technical analysis, insider section and news overview above.
How high can EZCORP go?
The average analyst price target for EZCORP is $40.80, which corresponds to a potential gain of 39.0% from the current price of $29.35. Keep in mind that price targets are estimates, not guarantees. Actual price moves depend on earnings, market conditions and unexpected events.
How low can EZCORP fall?
We lack enough history to give a specific floor for EZCORP. Remember: past price swings are no guarantee for the future — a stock can fall further than the last 52 weeks suggest, especially on profit warnings, sector crises or a market crash. Use stop-loss orders and spread your portfolio to limit losses in single stocks.
What does EZCORP do?
EZCORP, Inc. provides pawn services in the United States, Mexixo, and Latin America. It operates through U.S. Pawn, Latin America Pawn, and Other Investments segments. The company retails merchandise, primarily collateral forfeited from pawn lending operations and pre-owned me... The company belongs to the Financiel service sector, more specifically the Credit Services industry, is headquartered in USA, and is traded on the USA Stocks. See the key figures, earnings history and price development above to evaluate EZCORP as an investment.
Did EZCORP raise or lower its guidance?
Over the last 60 days we have not registered a guidance raise or cut from EZCORP. The company can still adjust its guidance at quarterly reports or between reports — see the earnings history and the news overview above.
Is EZCORP making money or losing money?
Yes, EZCORP is making money, not losing it. The company has a profit margin (the share of revenue left over as profit) of 9.9% — which is moderate. The operating margin (profit before interest and taxes) is 15.2%. At a P/E ratio of 16.3, you currently pay 16.3 dollars for every dollar of the company's annual earnings. A consistently profitable company is usually more resilient than growth stocks that are not yet making money.
Can EZCORP go bankrupt?
Altman Z2 is not used for banks and financial companies — their balance sheet is built on debt (that is the business model), so the model would wrongly classify a healthy bank as distressed. For EZCORP, look instead at the capital base (e.g. the core capital ratio), loan losses and earnings power.
Does EZCORP have a lot of debt?
EZCORP has moderate debt relative to equity. The debt-to-equity ratio (D/E — interest-bearing debt to equity) is 86%. For the financiel service sector, 80-150% counts as a typical level. Note: D/E levels are highly sector-specific — a bank at 300% debt is normal, a tech stock at 300% is extremely leveraged. Always compare with similar companies in the same sector. Can EZCORP service its debt? Can service its debt without problems — the interest coverage ratio (how many times earnings can cover interest payments) is 8.8x, and net debt equals 1.9 years of earnings (EBITDA).