Positioning no disclosures inside 60 days, left as found
Options put/call open interest 4.72, read 2026-10-24
Ethical does not pass the values gate
Price29.55 USD
Fair value36.65
Ethical score30.0/100
Our investment reviews on this name
2026-10-28Read Distribution29.55+0.0% to today Accumulation gives way to Distribution after a 10% slide in 7 days
2026-10-21Read Accumulation32.72-9.7% to today Markup gives way to Accumulation with volume flow in agreement
2026-10-14Read Markup31.93-7.5% to today Distribution gives way to Markup after a 5% rise in 12 days
2026-10-02Read Distribution30.29-2.4% to today ✓Markup gives way to Distribution with volume flow in agreement
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
EZCORP, Inc. holds its Distribution at $29.55. The statistical read favours the buyers, held for 3 days.
As held on the ledger · 2026-10-27
Phase
Distribution · caution
Quantitative state
The statistical read favours the buyers, held for 3 days
Price at the screen
$29.55
Valuation
14.85 trailing · 13.31 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.71
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: financial services
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: financial services
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
EZCORP, does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-28. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when EZPW's ethical verdict changes
Today EZPW does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
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Fair value range in USD, drawn from the 2026-10-27 screen. The gold marker is the market price at the same screen. A 24.0% margin of safety to the base estimate.
Third-party analyst targets: 5 covering, consensus Buy. The average target sits +35% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-10-27 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Pawn Lender Trips Over Ethics Barrier
Picture a worker in Texas pawning a tool for quick cash, the transaction sliding through layers of short-term credit that regulators watch closely. EZCORP runs that network across the US and Latin America, posting 46% revenue growth and a 15% return on equity. None of those figures matter here because the business sits inside financial services, a sector our screen blocks outright.
We pass for that single reason. The 15 times forward earnings and 12% gap to fair value would normally invite a closer look, yet the ethical filter removes any further discussion before numbers enter the frame.
High growth in pawn lending often tracks economic pressure on customers, which adds cyclical risk even when margins sit at 10%. Analyst targets around 40 dollars ignore this hard stop. Analysis, not advice.
The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
EZPW trades on Nasdaq. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The framework has shifted from accumulation to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 9.7% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is holding around 4% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 106%. Our forward projection puts the odds of a 10% gain over the next month near 38%. The street (5 analysts) rates it buy, with a mean price target of $40. Since the last review it its composite score rose.
The framework has shifted from markup to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 2.5% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 22% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 106%. Our forward projection puts the odds of a 10% gain over the next month near 38%. The street (5 analysts) rates it buy, with a mean price target of $40.
2026-10-14Markup · changed$31.93+5.4%Entry 7
The framework has shifted from distribution to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 5.4% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 42% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 106%. Our forward projection puts the odds of a 10% gain over the next month near 38%. The street (5 analysts) rates it buy, with a mean price target of $40.
The framework has shifted from markup to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved up 5.4% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 42% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 106%. Our forward projection puts the odds of a 10% gain over the next month near 38%. The street (5 analysts) rates it buy, with a mean price target of $40. Since the last review it its composite score rose.
2026-08-28Markup$28.75-10.4%Entry 5
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 10.4% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 42% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 106%. Our forward projection puts the odds of a 10% gain over the next month near 38%. The street (5 analysts) rates it buy, with a mean price target of $40.
2026-07-28Markup$32.09+2.7%Entry 4
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 2.7% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 42% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 106%. Our forward projection puts the odds of a 10% gain over the next month near 38%. The street (5 analysts) rates it buy, with a mean price target of $40.
2026-07-18Markup$31.25+0.0%Entry 3
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 42% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 106%. Our forward projection puts the odds of a 10% gain over the next month near 38%. The street (5 analysts) rates it buy, with a mean price target of $40.
2026-07-03Markup$31.25+0.0%Entry 2
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
2026-07-02Markup$31.25Entry 1
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
