4 Undervalued Consumer Finance Stocks for Thursday, July 30
Discover the top 4 undervalued Consumer Finance stocks for Thursday, July 30 based on AAII’s Stock Grades.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
EZCORP, Inc. provides pawn services in the United States, Mexico, 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.
Commentary & Analysis
Why EZCORP, Inc.’s (EZPW) Stock Is Down 8.37%
As of Thursday, July 23, EZCORP, Inc.’s EZPW share price has dipped by 8.37%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
Which Is a Better Investment, EZCORP, Inc. or Happen, Inc. Stock?
Learn more about whether EZCORP, Inc. or Happen, Inc. is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Jenna Brashear
Why EZCORP, Inc.’s (EZPW) Stock Is Up 5.59%
As of Tuesday, June 23, EZCORP, Inc.’s EZPW share price has surged by 5.59%, which has investors questioning if this is right time to sell.Rosalio Madrigal
Why EZCORP, Inc.’s (EZPW) Stock Is Down 5.11%
As of Wednesday, June 10, EZCORP, Inc.’s EZPW share price has dipped by 5.11%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
Financial Summary
| Share Statistics | EZPW | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,831.9 | $1,153.3 | 53% |
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| Shares Out (Mil) | 83.4 | 36.1 | 59% |
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| Institutional Ownership | 91.9% | 79.0% | 61% |
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| Float (Mil) | 55.6 | 32.7 | 50% |
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| Beta | 0.66 | 1.06 | 38% |
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| Avg Daily Volume (000s) | 786 | 364 | 66% |
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| Price Change (52-week) |
123.5% | 77.7% | 94% |
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| Growth | EZPW | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 9.1% | 7.7% | 55% |
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| Net Income (5yr) | 29.2% | 12.6% | 84% |
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| EPS (5yr) | 25.8% | 17.1% | 76 |
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| Dividends (5yr) | 0.0% | 0.0% | 0% |
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| Cash Flow (5yr) | 14.4% | (2.8%) | 72% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 5 | 5 | 5 | |
| Current EPS | $0.408 | $1.996 | $2.144 | |
| Month Ago EPS | $0.404 | $1.996 | $2.144 | |
| # Rev Up | 0 | 0 | 0 | |
| # Rev Down | 1 | 1 | 1 | |
| Three Months Ago EPS | $0.398 | $1.850 | $2.043 | |
| Year/Year Chg | (33.2%) | 40.6% | 68.7% | |
| Financials | EZPW | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $1,477 | $1,086 | 56% |
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| Net Income (TTM) (Mil) | $147 | $147 | 65% |
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| EPS (TTM) | $2.414 | $1.600 | 75% |
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| Operating Cash Flow (TTM) (Mil) | $174 | $231 | 58% |
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| Net Cash Flow (TTM) (Mil) | ($145) | $6 | 12% |
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| Long-Term Debt (Q1) (Mil) | $731 | $808 | 63% |
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| Enterprise Value (Q1) (Mil) | $2,532 | $1,297 | 52% |
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| Valuation | EZPW | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.64 | 1.44 | 43% |
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| P/E | 16.1 | 9.2 | 39% |
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| Dividend Yield | 0.0% | 0.0% | 0% |
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| PEG (5yr hist) | 0.6 | 0.5 | 30% |
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| Ratios | EZPW | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 58.6% | 75.1% | 71% |
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| Net Margin | 9.9% | 14.6% | 63% |
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| ROA | 7.4% | 2.9% | 81% |
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| ROE | 14.9% | 14.6% | 71% |
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| Liabilities to Assets | 46.3% | 79.0% | 37% |
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| F-Score | 7 | 5 | 84% |
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Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
O'Shaughnessy: Growth Screen II
Factors: Value, Momentum
O'Shaughnessy tries to predict the future using historical long-term trends.
| Performance Since Inception: | 15.1% |
| +/- S&P 500: | +7.6 |
FACTOR STRATEGY
Value on the Move--PEG With Hist Growth Screen
Factors: Value, Quality, Momentum, Growth
Using PEG ratios and price strength to find growth stocks trading at a reasonable price.
| Performance Since Inception: | 13.9% |
| +/- S&P 500: | +6.4 |
