Is EZCORP, Inc. overvalued or undervalued?

As of 7 November 2025, the valuation grade for EZCORP, Inc. has moved from fair to attractive, indicating a more favorable outlook. The company appears 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, U-Haul Holding Co. is considered very expensive with a P/E of 45.54, while Federal Agricultural Mortgage Corp. is attractive with a P/E of 10.26, highlighting EZCORP's relative value within its industry.
Additionally, EZCORP has demonstrated strong performance with a year-to-date return of 44.84%, significantly outpacing the S&P 500's return of 14.40% over the same period. This performance, coupled with favorable valuation metrics, reinforces the conclusion that EZCORP, Inc. is currently undervalued.