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 positive shift in its perceived value. 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 of 5.66. In comparison to peers, EZCORP's P/E ratio is significantly lower than U-Haul Holding Co. at 45.54 and Federal Agricultural Mortgage Corp. at 10.26, highlighting its relative attractiveness in the market.
Additionally, EZCORP has demonstrated strong performance with a year-to-date return of 45.99%, significantly outperforming the S&P 500's return of 14.40% over the same period. This trend continues over longer time frames, with a 5-year return of 247.08% compared to the S&P 500's 91.73%. Overall, the combination of favorable valuation ratios and strong stock performance suggests that EZCORP, Inc. is currently undervalued.