Stock Ratings / Consumer Discretionary / EZPW

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EZCORP Inc. Class A Non Voting (EZPW) — RQD Stock Rating Cockpit

$29.11 -1.99% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $29.08

EZCORP Inc. Class A Non Voting (EZPW) earns a Roarable Rating of B (Buy) with 73/100 RQD Confidence. High-quality cash engine (59% profit margin, 11% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 73/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.1% avg 90D alpha vs SPY • 69.0% hit rate) →

ROARABLE B • BUY Cap $1.79B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $29.08 (-0.12%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 11.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 73/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.1% avg 90D alpha vs SPY • 69.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

3-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+6.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for EZPW)Realized 20D OHLCV Swing Band: ±8.9%

Deterministic 5-Pillar Attribution (73/100 Composite)

🔍 WHY EZPW SCORES 73/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+17/20 pts (23% of score)

FRED Regime × Technicals: 61% of 52W Range • RSI-14 at 34.5 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning10/20 pts (-10 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade A-$31.96+3.3% Next Q

Q2 (-2Q)

Grade A-$33.00-13% Next Q

Q3 (-1Q)

Grade B+$28.70+1.4% Next Q

Current

Grade B$29.11+7.1% Hist 90D α

Trajectory: A- (81) → B (73)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the EZPW Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 73/100 (B) score, EZPW faces multiple-compression risk if 16.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 56.0% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($31.58) or 200D SMA ($29.61) invalidates the momentum regime and cuts Target Base ($31.07) toward Bear Floor ($23.87).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $EZPW• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “EZPW Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”

YES 73%NO 27%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

34.530 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.10>3.0 Fortress Safe

PIOTROSKI F-SCOREHIGH QUALITY (7–9)

9 / 99-Pt Accounting

52-WEEK LASER RANGE61% OF RANGE

L: $17$29.11H: $37

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (59% profit margin), though cash flow growth is moderate rather than explosive right now.

Factor Grade: B-RQD 14 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C+RQD 27 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B+RQD 32 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

3-of-3 JEV AI Jury Bullish on EZPW

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (70)

10.5% ROIC with 58.5% gross margin and 8.33% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BULLISH (75)

Altman-Z 3.10 and Piotroski 9/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (73)

27/40 institutional & smart-money positioning score with 17/20 macro alignment.

Bull Case: Why Buyers Like EZPW

✓Company leadership has skin in the game with net positive insider conviction.
✓Clean SEC annual filing review with no major hidden accounting time-bombs.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (EZPW Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

EZPW // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -11.20%▼ DESCENDING CHANNEL

2026-10-30O $28.88H $29.11L $27.71C $29.11VOL 1.06M

RES: $33.76SUP: $24.98SMA50: $31.58SMA200: $29.61

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

EZPW Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 EZPW Butterfly Map → + Track EZPW →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

9.0%/yr Implied 5Y Growth

vs. +9.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on EZPW today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for EZPW. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for EZPW today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (EZPW)

Consumer Discretionary Rank #111 of 1011 ⚔️ ARHS vs EZPW Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (EZPW vs. ARHS, SBH, BOBS, SVV)

Industry: Other Specialty Stores (42 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, EZCORP Inc. Class A Non Voting (EZPW) ranks #111 by composite RQD confidence (73/100, grade B) and #430 by equity capitalization ($1.79B). Within this direct 5-issuer industry benchmark cohort, SBH leads on earnings valuation at 8.7x trailing P/E, while ARHS leads on capital efficiency and profitability with 42.6% ROIC and 38.9% gross margin. SBH currently holds the highest overall quantitative score in the immediate peer group at 79/100 (B+) compared with EZPW at 73/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
EZPW ACTIVE EZCORP Inc. Class A Non Voting	B	73/100	16.3x	58.5%	10.5%	-1.99%	$1.79B	Benchmark Subject
ARHS Arhaus Inc. (Class A)	B+	78/100	26.8x	38.9%	42.6%	+10.33%	$1.80B	/arhs-vs-ezpw →
SBH Sally Beauty Holdings Inc. (Name to be changed from Sally Holdings Inc.)	B+	79/100	8.7x	51.6%	38.9%	+4.71%	$1.71B	/sbh-vs-ezpw →
BOBS Bob's Discount Furniture Inc.	D+	57/100	—	—	—	+2.95%	$2.15B	/bobs-vs-ezpw →
SVV Savers Value Village Inc.	D+	55/100	64.5x	—	9.3%	+5.70%	$1.46B	/svv-vs-ezpw →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-09-30 • CIK 0000876523

In its most recent audited fiscal period (FY2025, filed 2025-09-30), EZCORP Inc. Class A Non Voting (EZPW) reported GAAP revenue of $1.27B (+9.7% vs. FY2024 revenue of $1.16B , and +21.5% cumulative change since FY2023) , GAAP net income of $109.6M, operating cash flow of $149.0M, and free cash flow of $149.0M (+31.1% YoY). On the balance sheet, EZPW closed FY2025 with $1.99B in total assets against $518.6M in total debt (Altman Z-Score: 3.10, Piotroski F-Score: 9/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-09-30	$1.27B	$109.6M	$149.0M	$149.0M	$1.99B	$518.6M
FY2024 (FY)	2024-09-30	$1.16B	$83.1M	$113.6M	$113.6M	$1.50B	$224.5M
FY2023 (FY)	2023-09-30	$1.05B	$38.5M	$101.8M	$101.8M	—	—

3. EZPW Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is EZPW stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, EZCORP Inc. Class A Non Voting (NASDAQ: EZPW) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $29.11 (-1.99% 1D, market cap $1.79B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 17/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, EZPW ranks #111 in composite RQD confidence.

How does EZPW compare to ARHS and SBH in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Other Specialty Stores), EZPW carries a Roarable B (73/100 RQD), trailing P/E of 16.3x, gross margin of 58.5%, and ROIC of 10.5%. By comparison, ARHS (Arhaus Inc. (Class A)) holds a B+ grade (78/100 RQD, P/E 26.8x, ROIC 42.6%, cap $1.80B) and SBH (Sally Beauty Holdings Inc. (Name to be changed from Sally Holdings Inc.)) posts a B+ grade (79/100 RQD, P/E 8.7x, ROIC 38.9%, cap $1.71B). Among the 5-stock peer group, SBH leads on earnings multiple (8.7x) while ARHS leads on capital efficiency (42.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for EZPW?

Per EZPW's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0000876523), EZCORP Inc. Class A Non Voting generated $1.27B in revenue (+9.7% YoY), $109.6M in net income, and $149.0M in free cash flow against $1.99B in total assets and $518.6M in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is EZPW trading relative to its 50-day, 200-day, and 52-week technical levels?

EZPW last traded at $29.11 (-1.99% on volume of 496,723 shares), positioning the stock -7.82% below its 50-day simple moving average ($31.58) and -1.69% below its 200-day simple moving average ($29.61). Across its 52-week range of $16.50 to $37.13, EZPW sits at the 61.1% percentile with a 14-day RSI of 34.5 (NEUTRAL RANGE) and an implied next-earnings move of ±8.9% ($26.52 to $31.70).

EZPW Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell EZPW stock right now?

EZCORP Inc. Class A Non Voting (EZPW) currently earns a Roarable Rating of B (Buy — BUY) with 73/100 RQD Confidence. High-quality cash engine (59% profit margin, 11% return on capital) with steady institutional support.

What is EZPW's 12-month price target and RQD AI Jury consensus?

EZPW's 12-month base price target is $31.07 (range $23.87 to $38.99), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: EZPW RQD Cockpit EZPW 12M Forecast EZPW Earnings & Move EZPW Dividends & DRIP EZPW Insiders & 13F EZPW Whale Options EZPW Profit Sankey EZPW News & Why