B+
Bull case
20%
Probability
Target price
$28.00
Analysis reference price unavailable
Analysis 2026-02-05 · RankAlpha Sentiment AI
EZPW
EZCORPDNasdaq / Financial Services
Last Price
Quote time unavailable
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
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +1.8.
What can break
Decline in collateral (jewelry) prices reducing recovery values
Momentum
69
Value
53
Sentiment
41
Setup hits (3d)
0 · Net Neutral
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 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-08 • Model: HYBRID_IC_RP
AI Memo
As of 2026-02-05 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-09-08
Investment thesis
As of 2026-09-08
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-08. Definitions
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $40.67
Why
Momentum69 · Δ7d +29.0
Value53 · Δ7d +0.6
Sentiment41 · Δ7d +1.8
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +1.8.
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: Sentiment · See AI snapshot
Momentum
69
9% active weight
Current posture
7d trendImproving
Δ7d
+29.0
Δ21d
+48.4
Value
53
28% active weight
Current posture
7d trendFlat
Δ7d
+0.6
Δ21d
+0.8
Sentiment
41
62% active weight
Current posture
7d trendFlat
Δ7d
+1.8
Δ21d
-10.9
Why this grade
Composite grade D. Momentum 69.4 / Value 53.4 / Sentiment 41.2
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-02-05. Scenario method
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 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$1.8B
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 2026-09-08 • Updated nightlySource: Internal modelMethods & Data