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. In the quarter to June 2026, revenue grew 34.7%, EPS grew 37.8%, free cash flow grew 27.9% and total debt was flat, each against the same quarter a year earlier. Revenue growth for five consecutive years, operating cash flow growth for five.

33.00 0.13 −0.39%
Market cap
$2.0B
P/E
12.8×
Fwd P/E
16.0×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Sep '16 Sep '17 Sep '18 Sep '19 Sep '20 Sep '21 Sep '22 Sep '23 Sep '24 Sep '25
Piotroski F-Score
— 7 6 5 3 6 6 6 8 5
P/E ratio
0.00 16.44 14.20 161.50 0.00 47.31 8.66 11.87 7.38 9.92
P/S ratio
0.82 0.70 0.70 0.42 0.34 0.58 0.49 0.44 0.53 0.86
P/FCF ratio
10.97 20.51 11.80 5.53 13.54 18.48 12.58 7.52 7.91 9.91
P/Operating CF
59.21 34.75 29.11 9.28 (38.18) 31.69 24.15 16.78 14.21 21.35
P/B ratio
1.01 0.80 0.77 0.48 0.43 0.63 0.63 0.62 0.77 1.07
EV/Sales
1.01 0.75 0.62 0.28 0.10 0.41 0.42 0.33 0.42 0.74
EV/EBITDA
5.12 6.29 4.59 2.45 0.89 3.95 3.47 2.76 3.32 5.11
EV/FCF
13.39 21.81 10.42 3.63 4.16 13.08 10.86 5.66 6.29 8.49
Current Ratio
5.08 8.00 2.88 6.65 4.48 3.94 4.21 3.75 2.71 5.61
Net Debt/EBITDA
0.35 (0.55) (0.61) (1.29) (2.01) (1.63) (0.55) (0.91) (0.86) (1.41)
Debt/Equity
0.48 0.43 0.56 0.32 0.39 0.47 0.53 0.48 0.41 0.51
ROE
(12.92%) 5.01% 5.33% 0.34% (9.82%) 1.30% 7.35% 5.35% 10.72% 11.98%
ROA
(7.43%) 3.13% 3.29% 0.22% (6.00%) 0.70% 3.84% 2.73% 5.61% 6.36%
ROIC
2.83% 5.42% 6.24% 4.72% (6.62%) 3.55% 7.40% 9.13% 10.37% 12.17%
Return on Tangible Assets
(18.12%) 5.55% 6.62% 0.44% (13.22%) 1.69% 9.15% 6.46% 15.81% 10.95%
Average Days of Receivables
15.52 15.40 13.91 13.70 9.13 14.68 13.79 13.53 13.83 13.96
Earnings Yield
(13.83%) 6.08% 7.04% 0.62% (24.65%) 2.11% 11.54% 8.42% 13.56% 10.08%
Free Cash Flow Yield
9.11% 4.88% 8.48% 18.09% 7.39% 5.41% 7.95% 13.29% 12.64% 10.09%
Free Cash Flow per Share
1.01 0.47 0.89 1.17 0.37 0.41 0.61 1.10 1.42 1.92
Book value per Share
10.92 12.16 13.58 13.46 11.74 12.06 12.25 13.42 14.65 17.85
Free Cash Flow
54.85 25.67 48.51 64.68 20.55 22.84 34.64 61.39 77.84 110.42
EV/EBIT
25.18 10.55 7.53 4.99 0.00 9.58 5.02 3.77 4.35 6.29
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