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EZCORP, Inc. EZPW

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Price alert · EZPW

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28.72 USD -0.80 (-2.71%)

At closeNov 6, 2026, 7:40 AM EST

28.99 +0.27 +0.94%

Pre-market · Nov 6, 7:40 AM ET

28.38 Day range 29.99
16.50 52-week range 37.13
YTD
+47.89%
1 year
+63.09%

Financial health

Altman Z-Score

3.07 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 5
  • Debt / Equity 3
  • P/E 2
  • P/B 2

Valuation

P/E 10.0×
FY 2016: -7.5×FY 2017: 15.3×FY 2018: 14.6×FY 2019: 202×FY 2020: -4.1×FY 2021: 50.5×FY 2022: 8.7×FY 2023: 10.7×FY 2024: 6.6×FY 2025: 10.0×
FY 2016 5y median 10.0× FY 2025
P/S 0.9×
FY 2016: 0.8×FY 2017: 0.7×FY 2018: 0.7×FY 2019: 0.4×FY 2020: 0.3×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.5×FY 2025: 0.9×
FY 2016 5y median 0.5× FY 2025
P/B 1.1×
FY 2016: 1.0×FY 2017: 0.8×FY 2018: 0.8×FY 2019: 0.5×FY 2020: 0.4×FY 2021: 0.6×FY 2022: 0.6×FY 2023: 0.6×FY 2024: 0.8×FY 2025: 1.1×
FY 2016 5y median 0.6× FY 2025
P/FCF 9.9×
FY 2016: 11.0×FY 2017: 20.1×FY 2018: 11.8×FY 2019: 5.5×FY 2020: 13.5×FY 2021: 18.5×FY 2022: 12.6×FY 2023: 7.5×FY 2024: 7.9×FY 2025: 9.9×
FY 2016 5y median 9.9× FY 2025
EV/EBITDA 6.9×
FY 2016: 18.0×FY 2017: 6.8×FY 2018: 6.5×FY 2019: 6.7×FY 2020: 14.8×FY 2021: 5.5×FY 2022: 7.1×FY 2023: 8.5×FY 2024: 6.2×FY 2025: 6.9×
FY 2016 5y median 6.9× FY 2025
EV/Sales 1.1×
FY 2016: 1.1×FY 2017: 0.9×FY 2018: 0.9×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.9×FY 2022: 0.9×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 1.1×
FY 2016 5y median 0.9× FY 2025
FCF Yield 10.1%
FY 2016: 9.1%FY 2017: 5.0%FY 2018: 8.5%FY 2019: 18.1%FY 2020: 7.4%FY 2021: 5.4%FY 2022: 8.0%FY 2023: 13.4%FY 2024: 12.6%FY 2025: 10.1%
FY 2016 5y median 10.1% FY 2025

Profitability

Gross Margin 58.5%
FY 2016: 58.6%FY 2017: 58.2%FY 2018: 59.3%FY 2019: 58.4%FY 2020: 54.6%FY 2021: 61.6%FY 2022: 59.6%FY 2023: 58.1%FY 2024: 58.7%FY 2025: 58.5%
FY 2016 5y median 58.7% FY 2025
Operating Margin 11.7%
FY 2016: 4.0%FY 2017: 7.1%FY 2018: 8.3%FY 2019: 5.5%FY 2020: -5.9%FY 2021: 4.3%FY 2022: 8.5%FY 2023: 8.8%FY 2024: 9.7%FY 2025: 11.7%
FY 2016 5y median 8.8% FY 2025
Net Margin 8.6%
FY 2016: -11.1%FY 2017: 4.2%FY 2018: 4.6%FY 2019: 0.3%FY 2020: -8.3%FY 2021: 1.2%FY 2022: 5.7%FY 2023: 3.7%FY 2024: 7.2%FY 2025: 8.6%
FY 2016 5y median 5.7% FY 2025
ROE 10.7%
FY 2016: -13.6%FY 2017: 4.7%FY 2018: 5.0%FY 2019: 0.3%FY 2020: -10.5%FY 2021: 1.3%FY 2022: 7.2%FY 2023: 5.2%FY 2024: 10.3%FY 2025: 10.7%
FY 2016 5y median 7.2% FY 2025
ROIC 6.1%
FY 2016: -81.4%FY 2017: 4.1%FY 2018: 3.8%FY 2019: 2.0%FY 2020: -4.2%FY 2021: 1.4%FY 2022: 4.4%FY 2023: 5.0%FY 2024: 5.8%FY 2025: 6.1%
FY 2016 5y median 5.0% FY 2025
ROA 5.6%
FY 2016: -8.2%FY 2017: 3.1%FY 2018: 3.0%FY 2019: 0.2%FY 2020: -5.7%FY 2021: 0.7%FY 2022: 3.7%FY 2023: 2.6%FY 2024: 5.6%FY 2025: 5.6%
FY 2016 5y median 3.7% FY 2025

Growth (YoY)

Revenue 9.7%
FY 2016: 1.5%FY 2017: 2.4%FY 2018: 8.6%FY 2019: 4.3%FY 2020: -2.9%FY 2021: -11.3%FY 2022: 21.5%FY 2023: 18.4%FY 2024: 10.7%FY 2025: 9.7%
FY 2016 FY 2025
Operating Income 32.6%
FY 2016: 287.0%FY 2017: 81.8%FY 2018: 26.6%FY 2019: -30.0%FY 2020: -202.9%FY 2021: 164.4%FY 2022: 140.4%FY 2023: 23.0%FY 2024: 22.1%FY 2025: 32.6%
FY 2016 FY 2025
EPS (diluted) 29.1%
FY 2016: 6.9%FY 2017: 141.9%FY 2018: 8.1%FY 2019: -95.3%FY 2020: -4024.1%FY 2021: 112.1%FY 2022: 366.7%FY 2023: -24.3%FY 2024: 107.5%FY 2025: 29.1%
FY 2016 FY 2025
Free Cash Flow 41.9%
FY 2016: -1.5%FY 2017: -53.2%FY 2018: 89.0%FY 2019: 33.3%FY 2020: -68.2%FY 2021: 11.1%FY 2022: 51.7%FY 2023: 77.2%FY 2024: 26.8%FY 2025: 41.9%
FY 2016 FY 2025

Financial Health

Current Ratio 5.6×
FY 2016: 5.1×FY 2017: 8.0×FY 2018: 2.9×FY 2019: 6.7×FY 2020: 4.5×FY 2021: 3.9×FY 2022: 4.2×FY 2023: 3.7×FY 2024: 2.7×FY 2025: 5.6×
FY 2016 5y median 3.9× FY 2025
Quick Ratio 4.4×
FY 2016: 3.6×FY 2017: 5.9×FY 2018: 2.2×FY 2019: 4.7×FY 2020: 3.8×FY 2021: 3.2×FY 2022: 3.2×FY 2023: 2.9×FY 2024: 2.0×FY 2025: 4.4×
FY 2016 5y median 3.2× FY 2025
Debt / Equity 0.7×
FY 2016: 0.5×FY 2017: 0.4×FY 2018: 0.6×FY 2019: 0.3×FY 2020: 0.7×FY 2021: 0.7×FY 2022: 0.8×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA 1.5×
FY 2016: 4.8×FY 2017: 1.3×FY 2018: 1.2×FY 2019: 1.2×FY 2020: 5.2×FY 2021: 1.9×FY 2022: 3.1×FY 2023: 3.9×FY 2024: 2.4×FY 2025: 1.5×
FY 2016 5y median 2.4× FY 2025
Interest Coverage 6.5×
FY 2016: 1.8×FY 2017: 1.9×FY 2018: 2.4×FY 2019: 1.4×FY 2020: -2.2×FY 2021: 1.4×FY 2022: 7.5×FY 2023: 5.6×FY 2024: 8.3×FY 2025: 6.5×
FY 2016 5y median 6.5× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-09-30