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EZCORPSTU:EZ2A -0.57%71 PEG Ratio is 0.76 as of Jul. 19, 2026, which is 22% below its 10-year median of 0.98. 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 233 Credit Services companies, EZCORP ranks better than 55.36% on this metric.
PE Ratio without NRI / 5-Year EBITDA Growth Rate*
PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use is the 5-Year EBITDA growth rate. As of today, EZCORP's PE Ratio without NRI is 17.74. EZCORP's 5-Year EBITDA growth rate is 23.40%. Therefore, EZCORP's PEG Ratio for today is 0.76.
* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for EZCORP's PEG Ratio or its related term are showing as below:
STU:EZ2A'
s PEG Ratio Range Over the Past 10 Years
Min: 0.58 Med: 0.98 Max: 7.48
Current: 0.74
During the past 13 years, EZCORP's highest PEG Ratio was 7.48. The lowest was 0.58. And the median was 0.98.
STU:EZ2A's PEG Ratio is ranked better than 55.36% of 233
companies
in the Credit Services industry
Industry Median: 0.92
vs STU:EZ2A: 0.74
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
EZCORP (STU:EZ2A) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
EZCORP PEG Ratio Related Terms
EZCORP PEG Ratio Historical Data
* Premium members only.
The historical data trend for EZCORP's PEG Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
STU:EZ2A vs AGM.A, ECPG, QFIN: PEG Ratio Comparison
For the Credit Services subindustry, EZCORP's PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, EZCORP's PEG Ratio distribution charts can be found below:
* The bar in red indicates where EZCORP's PEG Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
* Note: The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
EZCORP (STU:EZ2A) has a PEG Ratio of 0.76 as of Jul. 19, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on EZCORP and its competitors. This is 22% below median its historical median of 0.98. Over the past decade, EZCORP's PEG Ratio has ranged from 0.58 to 7.48. According to the industry distribution chart, EZCORP ranks #104 out of 233 companies in the Credit Services industry, placing it in the top 44.6%.
Is EZCORP's PEG Ratio too high?
EZCORP's current PEG Ratio of 0.76 is 22% below median its 10-year median of 0.98. Over the past 10 years, this metric has ranged from a low of 0.58 to a high of 7.48. The Credit Services industry median PEG Ratio is 0.92. EZCORP's value of 0.76 is 17.4% below this industry median. Based on the distribution chart, EZCORP ranks #104 out of 233 companies in the Credit Services industry, which is above the industry midpoint. 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 PEG Ratio compare to AGM.A and ECPG?
According to the Credit Services industry distribution chart, EZCORP ranks #104 out of 233 companies for PEG Ratio. This puts EZCORP in the upper half of its industry. The industry median PEG Ratio is 0.92. EZCORP's value of 0.76 is 17.4% below this benchmark. Historically, EZCORP's own PEG Ratio has ranged from 0.58 to 7.48 over the past decade. While the company's 10-year median is 0.98 vs. the industry median of 0.92, EZCORP has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.92, based on 233 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EZCORP's current PEG Ratio of 0.76 is 17.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on EZCORP and its competitors. For the Credit Services industry, the median PEG Ratio is 0.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EZCORP's current PEG Ratio is 0.76, which is 22% below median its own 10-year median of 0.98. 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 PEG Ratio is 0.76, which is 22% below median its 10-year median of 0.98 and 17.4% below the Credit Services industry median of 0.92. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For EZCORP (STU:EZ2A), the current PEG Ratio is 0.76 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:
PEG Ratio: 0.76 (22% below median its 10-year median of 0.98)
GF Value™: €14.60 vs. price of €28.09 (92.4% above fair value)
Industry Position: 17.4% below the Credit Services median (#104 of 233)
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 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
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