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EZCORP, Inc.

EZPW Financial Credit Services

EZCORP, Inc.’s revenue for fiscal 2025 (year ended September 2025) was $1.3 billion, up 9.70% from fiscal 2024.

Revenue
+34.7%
EPS
+37.8%
Free cash flow
+27.9%
Total debt
+0.37%

Quarter to June 2026, against a year earlier

28.36 0.36 −1.25%
Market cap
$1.8B
P/E
11.2×
Fwd P/E
13.8×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 5.48
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — 5 1 — 2 1 1 1 — — —
Insider Ownership 11.89%

Capital & Financial Ratios $m

Size
Market Cap 1,760.00
Revenue ttm 1,584.46
Net income ttm 159.09
Free cash flow ttm 138.33
Net debt Q (180.48)
Valuation
P/E 11.23
Forward P/E 13.80
Price / sales 1.13
Forward P/S Powerpack
Price / FCF 12.89
Price / book 1.53
Financial health
Current ratio Q 4.81
Debt / equity Q 0.44
Interest coverage Q 6.56
Growth
Revenue growth Q +34.65% (above 0%: growing)
Operating income growth Q +52.30% (above 0%: growing)
EPS, this year +41.49% (at or above 15%: strong)
EPS, next year A +7.83%
Revenue, next year A +31.53% (at or above 10%: strong)
EPS, past 5 yrs —
EPS, next 5 yrs A +19.93% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 33.91%
10-year low 10-year high
P/S against its own 10 years 93.73%
10-year low 10-year high
P/B against its own 10 years 95.05%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 475 454 778 700
Receivables 39 44 49 57
Inventory 166 192 248 316
Other — — — —
720 729 1,126 1,117
2023 2024 2025 Q'26
Payables 82 86 105 120
ST’ Debt 34 103 — —
Other — — — —
192 269 201 232

Compound Annual Growth %

10y 5y 3y
Sales 5.87% 9.14% 12.87%
Cash Flow 6.50% 24.87% 30.83%
Earnings 0.00% 0.00% 29.77%
Book Value 4.57% 9.58% 14.00%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.39 Actual 0.47

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.29 0.34 Beat by 0.05
Q1 FY26 0.40 0.55 Beat by 0.15
Q2 FY26 0.36 0.58 Beat by 0.22
Q3 FY26 0.39 0.47 Beat by 0.08
Q4 FY26 0.40 — Reports 12 November 2026

EPS $

Dec Mar Jun Sep Year
’26 0.55 0.61 0.48 — —
’25 0.40 0.33 0.34 0.34 1.42
’24 0.36 0.29 0.25 0.21 1.10
’23 0.25 (0.12) 0.24 0.15 0.53
’22 0.21 0.20 0.17 0.11 0.70
’21 0.08 0.10 (0.05) 0.03 0.15
’20 0.02 (0.74) (0.10) (0.42) (1.24)
Fiscal quarters ending in the months shown.

Revenue $m

Dec Mar Jun Sep Year
’26 382 447 419 — —
’25 320 306 311 337 1,274
’24 300 286 281 295 1,162
’23 264 258 256 270 1,049
’22 221 216 216 233 886
’21 178 185 174 192 730
’20 222 223 210 167 823
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Dec Mar Jun Sep Year
’26 39 48 43 — —
’25 26 37 35 51 149
’24 21 15 34 43 114
’23 12 35 27 28 102
’22 9 22 18 18 67
’21 (5) 23 14 13 46
’20 (11) 32 35 (7) 49
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Dec Mar Jun Sep Year
’26 32 38 33 — —
’25 20 29 26 36 110
’24 14 9 31 24 78
’23 4 24 18 15 61
’22 4 16 10 4 35
’21 (8) 18 8 4 23
’20 (16) 26 26 (15) 21
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to September

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 731 748 812 847 823 730 886 1,049 1,162 1,274 1,584 +6.4% 1,676 1,834 1,965 +15.5%
Gross margin, % 58.62 58.23 59.29 58.36 54.60 61.61 59.60 58.13 58.74 58.55 58.55 (0.1) pt
EBT 0 43 56 4 (70) 16 68 52 116 147 213 +94.8%
EBT margin, % 0.05 5.71 6.84 0.49 (8.52) 2.20 7.64 4.92 9.95 11.52 13.44 +11.5 pt
Net income (88) 30 36 1 (68) 9 50 38 83 110 159 n/m
Per share, $
Per share, $ Revenue 13.42 13.78 14.91 15.31 14.87 13.09 15.69 18.87 21.15 22.17 25.75 +5.7%
Earnings (1.48) 0.59 0.72 0.05 (1.24) 0.15 0.89 0.69 1.51 1.91 2.58 n/m
Cash flow 1.25 0.93 1.63 1.87 0.89 0.83 1.18 1.83 2.07 2.59 2.95 +8.4%
Capex (0.24) (0.46) (0.74) (0.70) (0.52) (0.42) (0.56) (0.73) (0.65) (0.67) (0.70) +11.9%
Free cash flow 1.01 0.47 0.89 1.17 0.37 0.41 0.61 1.10 1.42 1.92 2.25 +7.4%
Book value 10.92 12.16 13.58 13.46 11.74 12.06 12.25 13.42 14.65 17.85 18.98 +5.6%
Shares, m 54 54 54 55 55 56 56 56 55 57 60 +0.6%
Valuation, ×
Valuation, × P/E 0.00 16.44 14.20 161.50 0.00 47.31 8.66 11.87 7.38 9.92 11.23 27.7
P/S 0.82 0.70 0.70 0.42 0.34 0.58 0.49 0.44 0.53 0.86 1.13 0.6
P/B 1.01 0.80 0.77 0.48 0.43 0.63 0.63 0.62 0.77 1.07 1.53 0.7
EV/Sales 1.01 0.75 0.62 0.28 0.10 0.41 0.42 0.33 0.42 0.74 — 0.5
EV/FCF 13.39 21.81 10.42 3.63 4.16 13.08 10.86 5.66 6.29 8.49 — 9.8
Cash, $m
Cash, $m Operating cash flow 68 51 89 104 49 46 67 102 114 149 182 +9.1%
Capex (13) (25) (40) (39) (29) (24) (32) (40) (36) (39) (43) +12.6%
Free cash flow 55 26 49 65 21 23 35 61 78 110 138 +8.1%
Balance, $m
Balance, $m Working capital 387 508 489 515 461 456 491 528 460 925 884 +10.2%
Net debt 51 (49) (67) (123) (193) (123) (59) (115) (127) (259) (180) n/m
Shareholders’ equity 594 660 739 745 649 672 692 746 805 1,025 1,168 +6.3%
Returns, %
Returns, % ROA (7.43) 3.13 3.29 0.22 (6.00) 0.70 3.84 2.73 5.61 6.36 7.82 +13.8 pt
ROIC 2.83 5.42 6.24 4.72 (6.62) 3.55 7.40 9.13 10.37 12.17 13.94 +9.3 pt
ROE (12.92) 5.01 5.33 0.34 (9.82) 1.30 7.35 5.35 10.72 11.98 14.67 +24.9 pt
People
People Employees 5,600 5,200 5,200 6,200 6,800 6,500 7,000 7,500 8,000 8,500 — +4.7%
Revenue/emp, $m 0.13 0.14 0.16 0.14 0.12 0.11 0.13 0.14 0.15 0.15 — +1.6%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Sep 2025 · latest quarter Jun 2026

EZCORP, Inc. vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
SLM SLM Corporation $3.2B 6.3× 8.9× −21.40% (below 0%: shrinking) n/m −115.63% (below 0%: shrinking) 57.53% 0.00% Compare
ECPG Encore Capital Group Inc $2.7B 7.8× 7.4× +18.29% (above 0%: growing) +80.12% (above 0%: growing) +41.19% (above 0%: growing) 100.00% 0.00% Compare
WU The Western Union Company $2.2B 6.5× 5.7× −2.26% (below 0%: shrinking) −41.86% (below 0%: shrinking) −69.40% (below 0%: shrinking) 33.98% 12.96% Compare
UPST Upstart Holdings, Inc. $2.2B 38.2× 33.9× −25.21% (below 0%: shrinking) −0.30% (below 0%: shrinking) +107.56% (above 0%: growing) 82.03% 8.54% Compare
AGM Federal Agricultural Mortgage Corporation $2.1B 10.8× 9.8× +12.93% (above 0%: growing) +20.67% (above 0%: growing) +188.57% (above 0%: growing) 27.34% 0.00% Compare
EZPW EZCORP, Inc. $1.8B 11.2× 13.8× +34.65% (above 0%: growing) +37.78% (above 0%: growing) +27.86% (above 0%: growing) 58.79% 13.09%
ATLC Atlanticus Holdings Corporation $1.5B 6.8× 9.2× +56.84% (above 0%: growing) +307.33% (above 0%: growing) +135.83% (above 0%: growing) 84.79% 0.00% Compare
JCAP Jefferson Capital, Inc. $1.2B 8.5× 7.0× +16.26% (above 0%: growing) −96.40% (below 0%: shrinking) −45.57% (below 0%: shrinking) 63.06% 45.87% Compare
NAVI Navient Holdings, Inc. $827.2M — (loss-making) 12.1× −11.91% (below 0%: shrinking) +92.86% (above 0%: growing) +13.49% (above 0%: growing) 21.13% 0.00% Compare
Median of peers $2.1B 7.8× 9.0× +5.34% +20.67% +27.34% 60.30% 0.00%

All 53 Credit Services stocks →

EZCORP, Inc. (EZPW) Latest News

23 Oct

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stockrow.com/EZPW · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com