Stock Ratings / Consumer Discretionary / EZPW / forecast

ARHS (75) SBH (78) BOBS (52) SVV (46) ⌘ Pro Terminal →

EZCORP Inc. Class A Non Voting (EZPW) 12-Month Stock Forecast & Price Target Cone

$28.11 -3.43% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $27.88

EZCORP Inc. Class A Non Voting (EZPW) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $1.79B

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on EZPW Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is EZPW stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, EZCORP Inc. Class A Non Voting (NASDAQ: EZPW) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $28.11 (-3.43% 1D, market cap $1.79B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, EZPW ranks #260 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does EZPW compare to ARHS and SBH in the Consumer Discretionary sector?

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Within the Consumer Discretionary sector (Other Specialty Stores), EZPW carries a Roarable C (64/100 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 (75/100 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 (78/100 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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for EZPW?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $27.88 (-0.81%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 11.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

2-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 C

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for EZPW)Realized 20D OHLCV Swing Band: ±8.8%

Deterministic 5-Pillar Attribution (64/100 Composite)

🔍 WHY EZPW SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (27% of score)

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

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (23% of score)

Altman Z-Score 3.10 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 9/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning7/20 pts (-13 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)

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

Q1 (-3Q)

Grade B$32.64+0.3% Next Q

Q2 (-2Q)

Grade B-$32.75-12.2% Next Q

Q3 (-1Q)

Grade B-$28.74-2.2% Next Q

Current

Grade C$28.11+1.1% Hist 90D α

Trajectory: B (72) → C (64)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 64/100 (C) 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 ($31.52) or 200D SMA ($29.65) invalidates the momentum regime and cuts Target Base ($28.87) toward Bear Floor ($22.52).

🎲 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 64%NO 36%Trade / Inspect Odds →

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your EZPW Position Size: $10,000

Shares at $28.11: 355.7 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $22.52

$8,011

$-1,989 (-19.9%)

12M Consensus BaseTarget $28.87

$10,270

+$270 (+2.7%)

12M Bull Case BreakoutTarget $38.99

$13,871

+$3,871 (+38.7%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 2

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$30	74%	A
Goldman SachsSector Coverage Lead	BUY	$37	69%	B
JP MorganUS Large-Cap Research	HOLD	$26	58%	C

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: -13.80%▼ DESCENDING CHANNEL

2026-11-02O $29.70H $29.70L $28.11C $28.11VOL 496.7K

RES: $33.71SUP: $24.96SMA50: $31.52SMA200: $29.65

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 #260 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 #260 by composite RQD confidence (64/100, grade C) 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 78/100 (B+) compared with EZPW at 64/100 (C).

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	C	64/100	16.3x	58.5%	10.5%	-3.43%	$1.79B	Benchmark Subject
ARHS Arhaus Inc. (Class A)	B	75/100	26.8x	38.9%	42.6%	-2.05%	$1.80B	/arhs-vs-ezpw →
SBH Sally Beauty Holdings Inc. (Name to be changed from Sally Holdings Inc.)	B+	78/100	8.7x	51.6%	38.9%	-0.44%	$1.71B	/sbh-vs-ezpw →
BOBS Bob's Discount Furniture Inc.	D+	52/100	—	—	—	+0.85%	$2.15B	/bobs-vs-ezpw →
SVV Savers Value Village Inc.	D	46/100	64.5x	—	9.3%	-1.59%	$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?

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

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

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

EZPW last traded at $28.11 (-3.43% on volume of 1,063,604 shares), positioning the stock -10.82% below its 50-day simple moving average ($31.52) and -5.19% below its 200-day simple moving average ($29.65). Across its 52-week range of $16.50 to $37.13, EZPW sits at the 56.3% percentile with a 14-day RSI of 41.4 (NEUTRAL RANGE) and an implied next-earnings move of ±8.8% ($25.64 to $30.58).

EZPW Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is EZPW's 12-month stock price target?

EZCORP Inc. Class A Non Voting (EZPW) carries a 12-month consensus base price target of $28.87 (+2.7% from $28.11), with a bull-case target of $38.99 and a bear-case floor of $22.52.

Is EZPW stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates EZPW C (Hold — HOLD) with an RQD Confidence score of 64/100.

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