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EZPW

EZCORPC
Nasdaq / Financial Services
Last Price
Quote time unavailable
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Current thesis
Improved loan performance, stronger recoveries from collateral sales, and modest multiple expansion lift shares toward the analyst high (~$28) as store execution and buybacks validate the thesis.
Posture
Mixed
Lead driver
Value
What changed
3 setup hits (3d) with net bearish as of 2026-10-24.
What can break
Decline in collateral (jewelry) prices reducing recovery values
Momentum
83
Value
53
Sentiment
43
Setup hits (3d)
3 · Net Bearish
AI TargetsBase $24.00 · Bull $28.00 · Bear $17.00Analysis 2026-02-05; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-02-05 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Bearish
Target $40.83
Why
Momentum83 · Δ7d -0.5
Value53 · Δ7d +1.4
Sentiment43 · Δ7d +12.4
So what
Balanced signals (Net Bearish). Wait for confirmation before sizing up.

Confirming evidence

  • • 3 setup hits (3d) with net bearish as of 2026-10-24.
  • • Value remains the lead driver in the composite, 7D delta +1.4.

Contradictions & invalidation

  • • Decline in collateral (jewelry) prices reducing recovery values
  • • Lower store foot traffic reducing pawnbroking volumes and merchandise sales
  • • Weaker consumer spending, falling collateral values, or higher charge-offs compress margins and push results toward the analyst low (~$17), prompting multiple contraction.

Catalyst clock

2026-05-06

Q1 / FY2026 earnings release (estimated)

Lead driver: Value · See fundamentals
Momentum
83
8% active weight
Current posture
7d trendSoftening
Δ7d
-0.5
Δ21d
+24.0
Value
53
47% active weight
Current posture
7d trendImproving
Δ7d
+1.4
Δ21d
+2.2
Sentiment
43
45% active weight
Current posture
7d trendImproving
Δ7d
+12.4
Δ21d
-1.0
Why this grade

Composite grade C. Momentum 83.4 / Value 53.2 / Sentiment 43.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-02-05. Scenario method

B+
Bull case
20%
Probability
Target price
$28.00
Analysis reference price unavailable
Analysis 2026-02-05 · RankAlpha Sentiment AI
Most likely
B
Base case
60%
Probability
Target price
$24.00
Analysis reference price unavailable
Analysis 2026-02-05 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$17.00
Analysis reference price unavailable
Analysis 2026-02-05 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$1.76B
Beta
0.53
Shares Out
61.44M
P/E (TTM)
14.2
P/S (TTM)
0.97
P/FCF (TTM)
11.15
Rev YoY
+34.7%
EPS YoY
+39.5%
Gross Margin
+56.3%
Op Margin
+14.0%
Net Debt
$295.21M
Current Ratio
4.81
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data