Based on the aggregated intelligence of 170,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, pawn shop operator EZCORP (Nasdaq: EZPW) has earned a coveted five-star ranking.

With that in mind, let's take a closer look at EZCORP's business and see what CAPS investors are saying about the stock right now.

EZCORP facts

Headquarters (Founded) Austin, Texas (1989)
Market Cap $1.3 billion
Industry Consumer finance
Trailing-12-Month Revenue $733 million
Management

CEO Paul Rothamel (since February 2010)

CFO Stephen Stamp (since November 2010)

Return on Capital (Average, Past 3 Years) 18.2%
Cash/Debt $25.85 million / $25 million
Competitors

World Acceptance (Nasdaq: WRLD)

Cash America International (NYSE: CSH)

Dollar Financial (Nasdaq: DLLR)

Sources: Capital IQ (a division of Standard & Poor's) and Motley Fool CAPS.

On CAPS, 97% of the 549 members who have rated EZCORP believe the stock will outperform the S&P 500 going forward. These bulls include All-Stars gspgundog and DarthMaul09, both of whom are ranked in the top 15% of our community.

Just last month, gspgundog tapped EZCORP as an easy choice: "Excellent play with high yield short term returns on cash for pawnshops. In this environment with people pawning things to make payment etc.. this is a great play."

Shares of EZCORP are up nearly 40% over the past three months alone, but many Fools think the fundamentals are worth paying up for. In fact, EZCORP's three-year average return on capital (18.2%) tops that of pawn shop counterparts Cash America (11.1%) and First Cash Financial (Nasdaq: FCFS) (16.6%), as well as payday lending foes World Acceptance (13.9%), Dollar Financial (10.1%), and Advance America (NYSE: AEA) (16.6%).

CAPS All-Star DarthMaul09 elaborates on the bull case:

This is like investing in Cash for Gold and legalized loan sharks. In a good way of course. Those who invest in [Goldman Sachs] should understand. This company is a play on a delayed recovery and a prolonged precious metals rise, which will increase demand for their services and grow their profits. They are primarily located in the south and have not yet been regulated out of existence.

What do you think about EZCORP, or any other stock for that matter? If you want to retire rich, you need to put together the best portfolio you can. Owning exceptional stocks is a surefire way to secure your financial future, and on Motley Fool CAPS, thousands of investors are working every day to find them. CAPS is 100% free, so get started!

Fool contributor Brian Pacampara owns no position in any of the companies mentioned. Try any of our Foolish newsletter services free for 30 days.

True to its name, The Motley Fool is made up of a motley assortment of writers and analysts, each with a unique perspective; sometimes we agree, sometimes we disagree, but we all believe in the power of learning from each other through our Foolish community. The Fool's disclosure policy always gets a perfect score.