Ezcorp Inc Stock Buy Hold or Sell Recommendation

EZPW Stock  USD 11.33  0.23  2.07%   
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding EZCORP Inc is 'Strong Hold'. Macroaxis provides EZCORP buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding EZCORP positions. The advice algorithm takes into account all of EZCORP's available fundamental, technical, and predictive indicators you will find on this site. Key drivers impacting EZCORP's buy or sell advice are summarized below:
Real Value
12.94
Target Price
13.67
Hype Value
11.1
Market Value
11.33
Naive Value
11.73
A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell EZCORP Inc given historical horizon and risk tolerance towards EZCORP. When Macroaxis issues a 'buy' or 'sell' recommendation for EZCORP Inc, the advice is generated through an automated system that utilizes algorithms and statistical models.
  
Check out EZCORP Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool.
In addition, we conduct extensive research on individual companies such as EZCORP and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards EZCORP Inc. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in american community survey.

Execute EZCORP Buy or Sell Advice

The EZCORP recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on EZCORP Inc. Macroaxis does not own or have any residual interests in EZCORP Inc or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute EZCORP's advice using the current market data and latest reported fundamentals.

Time Horizon

Risk Tolerance

Execute Advice
Sell EZCORPBuy EZCORP
Strong Hold

Market Performance

GoodDetails

Volatility

Not too volatileDetails

Hype Condition

StaleDetails

Current Valuation

UndervaluedDetails

Odds Of Distress

Very LowDetails

Economic Sensitivity

Follows the market closelyDetails

Investor Sentiment

ImpartialDetails

Analyst Consensus

Strong BuyDetails

Financial Strenth (F Score)

StrongDetails

Financial Leverage

Not RatedDetails

Reporting Quality (M-Score)

Unlikely ManipulatorDetails
For the selected time horizon EZCORP Inc has a Risk Adjusted Performance of 0.1026, Jensen Alpha of 0.2399, Total Risk Alpha of (0.11), Sortino Ratio of 0.1626 and Treynor Ratio of 0.4343
Our trade recommendation tool can cross-verify current analyst consensus on EZCORP Inc and to analyze the company potential to grow next year. To make sure EZCORP Inc is not overpriced, please confirm all EZCORP Inc fundamentals, including its shares owned by institutions, debt to equity, retained earnings, as well as the relationship between the gross profit and price to earnings to growth . Given that EZCORP Inc has a price to earning of 14.40 X, we urge you to verify EZCORP market performance and probability of bankruptcy to ensure the company can sustain itself next year given your latest risk tolerance and investing horizon.

EZCORP Trading Alerts and Improvement Suggestions

EZCORP Inc has a strong financial position based on the latest SEC filings
Over 96.0% of the company shares are held by institutions such as insurance companies
Latest headline from zacks.com: Are Investors Undervaluing EZCORP Right Now

EZCORP Returns Distribution Density

The distribution of EZCORP's historical returns is an attempt to chart the uncertainty of EZCORP's future price movements. The chart of the probability distribution of EZCORP daily returns describes the distribution of returns around its average expected value. We use EZCORP Inc price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of EZCORP returns is essential to provide solid investment advice for EZCORP.
Mean Return
0.35
Value At Risk
-1.75
Potential Upside
2.78
Standard Deviation
2.02
   Return Density   
       Distribution  
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of EZCORP historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.

EZCORP Stock Institutional Investors

Have you ever been surprised when a price of an equity instrument such as EZCORP is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading EZCORP Inc backward and forwards among themselves. EZCORP's institutional investor refers to the entity that pools money to purchase EZCORP's securities or originates loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
State Street Corporation2023-12-31
1.1 M
Heartland Advisors Inc2023-12-31
1.1 M
Millennium Management Llc2023-12-31
1.1 M
Morgan Stanley - Brokerage Accounts2023-12-31
M
Lazard Asset Management Llc2023-12-31
M
Azarias Capital Management, L.p.2023-12-31
985.6 K
Jpmorgan Chase & Co2023-12-31
961.5 K
D. E. Shaw & Co Lp2023-09-30
816.9 K
Jacobs Levy Equity Management, Inc.2023-09-30
710.3 K
Blackrock Inc2023-12-31
10 M
Dimensional Fund Advisors, Inc.2023-12-31
4.3 M
Note, although EZCORP's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

EZCORP Cash Flow Accounts

201920202021202220232024 (projected)
Change To Inventory17.0M371K(15.3M)(4.8M)(4.3M)(4.1M)
Change In Cash150.1M(48.9M)(49.3M)14.6M13.1M10.0M
Free Cash Flow20.6M22.8M34.6M61.4M70.6M36.5M
Depreciation76.5M79.2M84.3M89.1M102.4M107.5M
Capital Expenditures28.5M23.6M31.9M40.4M46.5M48.8M
Net Income(68.5M)8.6M50.2M38.5M44.2M46.4M
End Period Cash Flow312.6M263.6M214.4M229.0M263.3M276.5M
Other Non Cash Items71.1M1.8M3.3M35.6M41.0M23.8M
Change To Netincome17.3M43.6M(4.8M)11.8M13.6M24.0M
Investments(165.9M)(250.5M)(23.4M)(110.9M)(99.8M)(104.8M)
Net Borrowings167.9M(195.0M)714K(15.4M)(13.9M)(13.2M)

EZCORP Greeks

Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to EZCORP or Consumer Finance sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that EZCORP's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a EZCORP stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α
Alpha over NYSE Composite
0.24
β
Beta against NYSE Composite0.77
σ
Overall volatility
2.07
Ir
Information ratio 0.11

EZCORP Volatility Alert

EZCORP Inc has relatively low volatility with skewness of 2.77 and kurtosis of 13.84. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure EZCORP's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact EZCORP's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.

EZCORP Fundamentals Vs Peers

Comparing EZCORP's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze EZCORP's direct or indirect competition across all of the common fundamentals between EZCORP and the related equities. This way, we can detect undervalued stocks with similar characteristics as EZCORP or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of EZCORP's fundamental indicators could also be used in its relative valuation, which is a method of valuing EZCORP by comparing valuation metrics with those of similar companies.
    
 Better Than Average     
    
 Worse Than Average Compare EZCORP to competition
FundamentalsEZCORPPeer Average
Return On Equity0.0678-0.31
Return On Asset0.0457-0.14
Profit Margin0.05 %(1.27) %
Operating Margin0.12 %(5.51) %
Current Valuation999.57 M16.62 B
Shares Outstanding52.18 M571.82 M
Shares Owned By Insiders3.78 %10.09 %
Shares Owned By Institutions96.22 %39.21 %
Number Of Shares Shorted5.94 M4.71 M
Price To Earning14.40 X28.72 X
Price To Book0.79 X9.51 X
Price To Sales0.56 X11.42 X
Revenue1.05 B9.43 B
Gross Profit528.15 M27.38 B
EBITDA161.71 M3.9 B
Net Income38.46 M570.98 M
Cash And Equivalents206.03 M2.7 B
Cash Per Share3.66 X5.01 X
Total Debt610.48 M5.32 B
Debt To Equity0.79 %48.70 %
Current Ratio4.21 X2.16 X
Book Value Per Share14.03 X1.93 K
Cash Flow From Operations101.83 M971.22 M
Short Ratio5.55 X4.00 X
Earnings Per Share0.80 X3.12 X
Price To Earnings To Growth0.35 X4.89 X
Target Price15.5
Number Of Employees7.5 K18.84 K
Beta1.15-0.15
Market Capitalization611.11 M19.03 B
Total Asset1.47 B29.47 B
Retained Earnings431.14 M9.33 B
Working Capital527.75 M1.48 B
Note: Disposition of 20000 shares by Pablo Espinosa of EZCORP at 10.3325 subject to Rule 16b-3 [view details]

EZCORP Market Momentum

Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as EZCORP . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.

About EZCORP Buy or Sell Advice

When is the right time to buy or sell EZCORP Inc? Buying financial instruments such as EZCORP Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
 2021 2022 2023 2024 (projected)
Short and Long Term Debt Total546.0M610.5M702.1M737.2M
Total Assets1.3B1.5B1.7B1.8B

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In addition to having EZCORP in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

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When determining whether EZCORP Inc is a strong investment it is important to analyze EZCORP's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact EZCORP's future performance. For an informed investment choice regarding EZCORP Stock, refer to the following important reports:
Check out EZCORP Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool.
You can also try the Stock Screener module to find equities using a custom stock filter or screen asymmetry in trading patterns, price, volume, or investment outlook..

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Is EZCORP's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of EZCORP. If investors know EZCORP will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about EZCORP listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.409
Earnings Share
0.8
Revenue Per Share
19.623
Quarterly Revenue Growth
0.135
Return On Assets
0.0457
The market value of EZCORP Inc is measured differently than its book value, which is the value of EZCORP that is recorded on the company's balance sheet. Investors also form their own opinion of EZCORP's value that differs from its market value or its book value, called intrinsic value, which is EZCORP's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because EZCORP's market value can be influenced by many factors that don't directly affect EZCORP's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between EZCORP's value and its price as these two are different measures arrived at by different means. Investors typically determine if EZCORP is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, EZCORP's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.