EZCORP (EZPW) DCF: History & Chart

EZCORP, Inc.(EZPW)

Financial - Credit Services · Austin, TX

$30.75+0.25 (+0.82%)

Delayed quote: Oct 6, 2026, 1:50 PM EDT

About EZCORP, Inc.

EZCORP, Inc. operates primarily by offering collateralized loans, commonly known as pawn loans, to individuals in both the United States and various Latin American countries. These loans are secured by a wide array of personal items, including but not limited to jewelry, consumer electronics, tools, sporting equipment, and musical instruments. Beyond its lending activities, the company also engages in the retail sale of merchandise. This inventory largely comprises items that were once collateral for unredeemed pawn loans, as well as pre-owned goods directly acquired from customers. To further support its clientele, EZCORP provides online platforms, Lana and EZ+, designed to facilitate the management of pawn loans. As of September 30, 2021, EZCORP, Inc. maintained a substantial physical presence, with 516 company-owned and operated pawn shops in the U.S., 508 in Mexico, and an additional 124 locations spread across Guatemala, El Salvador, and Honduras. The company was founded in 1989 and has its corporate headquarters situated in Austin, Texas.

Austin, TX

8,500 employees

www.ezcorp.com

Financial Services / Financial - Credit Services

Sector: Financial Services
Industry: Financial - Credit Services
CEO: Lachlan Given

View full financials

EZCORP, Inc. (EZPW) DCF Valuation

Price is BELOW the estimated range

$32.61

$63.15

Model scenario range

$30.75

Today's price

TGM's two-stage DCF values EZCORP, Inc. (EZPW) between $32.61 and $63.15 depending on assumptions, with a base case of $44.97. Growth is taken from the company's own record (5-year revenue CAGR (FCF growth too volatile to use)), fading to 2.5% long-run; the discount rate (7.5%) reflects its beta.

What would today's price require?

Growth the price assumes+8.6%/yr

Actual revenue growth, last 5 years+17.6%/yr

$30.75 is justified only if free cash flow grows about +8.6% a year (fading to 2.5% long-run) at a 7.5% required return — slower than the company has actually grown.

Scenario	FCF growth (fading to 2.5%)	Discount	Value / share
Conservative	14.6%/yr	8.5%	$32.61
Base case	17.6%/yr	7.5%	$44.97
Optimistic	20.0%/yr	6.5%	$63.15
Third-party model estimate (FMP)	independent reference · retrieved Oct 6, 2026 · assumptions not provided		$44.32

The FMP figure is a third-party point estimate. Its cash-flow forecast, discount rate, terminal growth, and valuation date are not included in the stored response, so TGMCharts presents it only as a reference—not as an intrinsic-value conclusion or price target.

Price|PE Ratio|FCF Yield|All Metrics

Current Price

$30.75

Market-Implied Growth

+8.6%/yr

vs +17.6% 5Y actual

Model Scenario Range

$32.61 – $63.15

model output — not a price target

EZPW DCF Fair Value Calculator

Edit the assumptions to see how they change the estimated fair value. Opens seeded with TGM's data-driven base case for EZPW (growth from its own 5-year record, discount from its beta), so the sandbox starts where the scenarios above leave off. Illustrative model — not investment advice.

FCF Growth Rate17.6%/yr

Historical FCF CAGR: 3Y 40.3% · 5Y 108.8% · 10Y 5.9%

Discount Rate (WACC)7.5%

Terminal Growth2.5%

Projection Years10yr

Base inputs: FCF $69.6M · 0.06B shares · net debt $48.6M

Estimated Fair Value

$44.97

+46.3% vs $30.75

Current price$30.75

Third-party model estimate (FMP)$44.32

Sensitivity — fair value by discount rate × terminal growth

How the estimated fair value shifts with the discount rate (WACC) and terminal growth, holding your 17.6%/yr FCF growth and 10-year horizon fixed. Green = above today's $30.75; red = below. Your current case is outlined.

WACC ↓ / Terminal →	1.50%	2.00%	2.50%	3.00%	3.50%
5.5%	$59.36	$67.16	$77.54	$92.08	$114
6.5%	$46.66	$51.33	$57.17	$64.66	$74.65
7.5%	$38.23	$41.29	$44.97	$49.47	$55.08
8.5%	$32.22	$34.37	$36.87	$39.82	$43.36
9.5%	$27.74	$29.31	$31.10	$33.17	$35.58