Is EZCORP, Inc. overvalued or undervalued?

As of 28 August 2025, the valuation grade for EZCORP, Inc. has moved from very attractive to attractive. The company appears to be undervalued, supported by a P/E ratio of 8, a Price to Book Value of 0.86, and an EV to EBITDA ratio of 5.66. In comparison to peers, U-Haul Holding Co. has a significantly higher P/E of 45.54, while Federal Agricultural Mortgage Corp. shows a more attractive P/E of 10.26.
EZCORP has demonstrated strong performance relative to the S&P 500, with a year-to-date return of 46.40% compared to the index's 12.22%. This outperformance reinforces the notion that EZCORP is undervalued given its attractive valuation metrics.