EZCORP (STU:EZ2A) Moat Score: 5/10 (As of Jul. 19, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STU:EZ2A EZCORP Inc STU:EZ2A
71 GF Score
Price €28.09
GF Value €14.60
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is EZCORP Moat Score?

EZCORP STU:EZ2A -0.57% 71 Moat Score is 5 as of Jul. 19, 2026. GuruFocus rates STU:EZ2A with a GF Score™ of 71/100 and a GF Value™ of €14.60 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 567 Credit Services companies, EZCORP ranks better than 97.53% on this metric.

EZCORP has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

EZCORP has Narrow Moat: EZCORP Inc has a solid narrow moat due to its established presence in the pawn industry and some customer loyalty. The company benefits from economies of scale and a strong distribution network, but lacks the regulatory barriers and pricing power needed for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes EZCORP might have Narrow Moat - Solid narrow moat.

EZCORP  (STU:EZ2A) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

EZCORP Moat Score Related Terms

STU:EZ2A vs AGM.A, ECPG, QFIN: Moat Score Comparison

For the Credit Services subindustry, EZCORP's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

EZCORP Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, EZCORP's Moat Score distribution charts can be found below:

* The bar in red indicates where EZCORP's Moat Score falls into.


STU:EZ2A
71GF Score
EZCORP Inc STU:EZ2A
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
EZCORP (STU:EZ2A) has a Moat Score of 5 as of Jul. 19, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, EZCORP ranks #14 out of 567 companies in the Credit Services industry, placing it in the top 2.5%.
Is EZCORP's Moat Score too high?
EZCORP's current Moat Score is 5. Based on the distribution chart, EZCORP ranks #14 out of 567 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, EZCORP has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does EZCORP's Moat Score compare to AGM.A and ECPG?
According to the Credit Services industry distribution chart, EZCORP ranks #14 out of 567 companies for Moat Score. This places EZCORP in the top 3% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. EZCORP's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EZCORP stock overvalued right now?
Based on GuruFocus' analysis, EZCORP (STU:EZ2A) is currently considered Significantly Overvalued. The stock's GF Value™ is €14.60, compared to a current price of €28.09 — trading 92.4% above its estimated fair value. The current Moat Score is 5. EZCORP's overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For EZCORP (STU:EZ2A), the current Moat Score is 5 as of Jul. 19, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is EZCORP (STU:EZ2A) Overvalued in 2026?

Based on GuruFocus' analysis, EZCORP stock appears to be overvalued. The current stock price of €28.09 is trading 92.4% above its estimated GF Value™ of €14.60. GuruFocus considers EZCORP to be Significantly Overvalued.

Key valuation signals for STU:EZ2A:

  • Moat Score: 5
  • GF Value™: €14.60 vs. price of €28.09 (92.4% above fair value)
  • GF Score™: 71/100 with 4 warning signs

No single metric tells the full story. See the STU:EZ2A stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

EZCORP Business Description

Other Exchanges EZPW:USAEZ2A:Germany
Address 2500 Bee Cave Road, Suite 200, Building One, Rollingwood, TX, USA, 78746
EZCORP Inc is a United States-based company engaged in offering pawn loans in the United States and Mexico. It also offers short-term unsecured loans and other consumer financial products, and buys and sells second-hand goods. The operating segments of the company are U.S. Pawn, Latin America Pawn, and Other Investments. The U.S. Pawn segment includes all pawn activities in the United States. The Latin America Pawn segment includes all pawn activities in Mexico and other parts of Latin America. The company generates revenue from merchandise sales, jewelry scrapping sales, and pawn service charges, of which key revenue is derived from the merchandise sales, which are mainly collateral forfeited from pawn lending operations and used merchandise purchased from the customers.
71GF Score

Get the complete analysis for STU:EZ2A

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€28.09
Price
€14.60
GF Value