Is EZCORP, Inc. overvalued or undervalued?

As of 17 October 2025, the valuation grade for EZCORP, Inc. has moved from attractive to fair, indicating a shift in its perceived value. The company appears to be fairly valued based on its current metrics, with a P/E ratio of 8, a Price to Book Value of 0.86, and an EV to EBITDA of 5.66. In comparison to peers, Federal Agricultural Mortgage Corp. has a P/E of 10.26, while LendingClub Corp. stands at 25.58, highlighting that EZCORP is positioned more favorably within its industry.
The company's recent performance has been strong, with a year-to-date return of 51.80%, significantly outpacing the S&P 500's return of 13.30% during the same period. This suggests that while EZCORP is currently fairly valued, its robust performance may indicate potential for future growth.