Is EZCORP, Inc. overvalued or undervalued?

As of 7 November 2025, EZCORP, Inc. moved from fair to attractive in its valuation grade. The company appears undervalued 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 ratio of 5.66. In comparison to peers, U-Haul Holding Co. has a significantly higher P/E ratio of 45.54, while Federal Agricultural Mortgage Corp. presents a more attractive valuation with a P/E of 10.26.
EZCORP's strong performance is also reflected in its returns, with a year-to-date return of 44.84%, significantly outpacing the S&P 500's 14.40%. Over the past five years, EZCORP has delivered an impressive 269.52% return compared to the S&P 500's 91.73%, reinforcing the narrative of its undervaluation.