Saturday 17 October 2026
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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. 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%
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| 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 |
Price to Tangible BV |
1.94 | 1.41 | 1.49 | 0.95 | 0.84 | 1.30 | 1.25 | 1.20 | 1.40 | 1.70 |
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/Operating CF |
10.79 | 11.05 | 5.68 | 2.27 | 1.74 | 6.43 | 5.65 | 3.41 | 4.31 | 6.30 |
EV/FCF |
13.39 | 21.81 | 10.42 | 3.63 | 4.16 | 13.08 | 10.86 | 5.66 | 6.29 | 8.49 |
Quick Ratio |
2.78 | 5.03 | 1.98 | 4.32 | 3.51 | 3.02 | 3.00 | 2.68 | 1.85 | 4.12 |
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/Assets |
28.84% | 27.80% | 33.57% | 22.02% | 20.99% | 24.96% | 27.07% | 24.54% | 21.92% | 26.55% |
Debt/Equity |
0.48 | 0.43 | 0.56 | 0.32 | 0.39 | 0.47 | 0.53 | 0.48 | 0.41 | 0.51 |
Asset Turnover |
0.67 | 0.75 | 0.72 | 0.73 | 0.72 | 0.59 | 0.68 | 0.75 | 0.78 | 0.74 |
Operating CF/Net income |
(0.84) | 1.61 | 2.39 | 40.74 | (0.72) | 5.39 | 1.33 | 2.65 | 1.37 | 1.36 |
Capex/Depreciation |
(0.12) | (0.70) | (0.94) | (0.80) | (0.20) | (0.53) | (0.95) | (1.20) | (1.03) | (1.13) |
Interest Coverage |
1.77 | 1.91 | 2.41 | 1.44 | (2.15) | 1.41 | 7.51 | 5.60 | 8.28 | 6.48 |
| (12.92%) | 5.01% | 5.33% | 0.34% | (9.82%) | 1.30% | 7.35% | 5.35% | 10.72% | 11.98% | |
| (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 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
9.32% | 7.15% | 6.60% | 7.51% | 6.58% | 7.74% | 7.26% | 6.44% | 6.50% | 6.55% |
Intangible Assets out of Total Assets |
0.29 | 0.28 | 0.29 | 0.34 | 0.26 | 0.27 | 0.26 | 0.25 | 0.24 | 0.20 |
Share Based Compensation of Revenue |
0.73% | 0.78% | 1.33% | 1.15% | (0.62%) | 0.54% | 0.57% | 0.91% | 0.90% | 0.98% |
Graham Net Nets |
0.15 | 0.41 | 0.43 | 0.75 | 0.16 | 0.04 | (0.03) | 0.00 | 0.07 | 0.18 |
Graham Number |
0.00 | 12.71 | 15.04 | 3.48 | 0.00 | 6.59 | 15.66 | 14.54 | 22.38 | 27.77 |
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% |
Revenue per Share |
13.42 | 13.78 | 14.91 | 15.31 | 14.87 | 13.09 | 15.69 | 18.87 | 21.15 | 22.17 |
Operating CF per Share |
1.25 | 0.93 | 1.63 | 1.87 | 0.89 | 0.83 | 1.18 | 1.83 | 2.07 | 2.59 |
Capex per Share |
(0.24) | (0.46) | (0.74) | (0.70) | (0.52) | (0.42) | (0.56) | (0.73) | (0.65) | (0.67) |
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 |
Cash per Share |
4.28 | 6.15 | 8.88 | 6.53 | 8.02 | 7.88 | 7.51 | 8.54 | 8.26 | 13.53 |
Shareholders Equity per Share |
10.92 | 12.16 | 13.58 | 13.46 | 11.74 | 12.06 | 12.25 | 13.42 | 14.65 | 17.85 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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 |
Working Capital |
387.17 | 508.38 | 489.42 | 514.67 | 460.78 | 455.77 | 491.30 | 527.75 | 459.62 | 925.38 |
Capital Expenditures |
(13.25) | (25.00) | (40.47) | (38.84) | (28.53) | (23.60) | (31.89) | (40.45) | (35.76) | (38.56) |
Net Current Asset Value |
93.10 | 216.52 | 247.01 | 267.01 | 45.35 | 16.19 | (11.48) | (2.22) | 40.33 | 200.23 |
EV/EBIT |
25.18 | 10.55 | 7.53 | 4.99 | 0.00 | 9.58 | 5.02 | 3.77 | 4.35 | 6.29 |
Capex to Sales |
0.02 | 0.03 | 0.05 | 0.05 | 0.03 | 0.03 | 0.04 | 0.04 | 0.03 | 0.03 |
Price to Operating Income |
20.63 | 9.92 | 8.53 | 7.61 | 0.00 | 13.54 | 5.81 | 5.01 | 5.47 | 7.34 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
1.95 | 0.62 | 0.58 | 0.72 | 2.53 | 0.83 | 0.59 | 0.49 | 0.53 | 0.45 |
Cash ROIC |
4.94% | 2.01% | 2.96% | 4.81% | 1.53% | 1.60% | 2.34% | 3.88% | 4.91% | 4.76% |
Accounts Receivable Turnover |
14.03 | 23.89 | 25.99 | 27.00 | 31.41 | 29.23 | 28.22 | 28.99 | 28.02 | 27.48 |
Accounts Payable Turnover |
3.11 | 4.29 | 5.53 | 5.19 | 5.00 | 3.46 | 4.10 | 5.29 | 5.73 | 5.53 |
Inventory Turnover |
2.29 | 2.12 | 2.06 | 2.04 | 2.71 | 2.71 | 2.73 | 2.76 | 2.67 | 2.40 |
Average Days of Payables |
101.78 | 71.90 | 63.99 | 80.66 | 69.86 | 117.64 | 86.14 | 67.82 | 65.29 | 72.86 |
Days of Inventory on Hand |
169.32 | 180.38 | 184.37 | 185.57 | 93.69 | 144.65 | 154.55 | 138.35 | 146.15 | 171.69 |
Average Receivables |
52.07 | 31.31 | 31.25 | 31.38 | 26.19 | 24.96 | 31.41 | 36.18 | 41.45 | 46.37 |
Average Payables |
97.08 | 72.91 | 59.75 | 67.96 | 74.73 | 80.89 | 87.39 | 83.06 | 83.67 | 95.59 |
Average Inventory |
132.15 | 147.32 | 160.70 | 173.18 | 137.62 | 103.44 | 131.30 | 159.05 | 179.20 | 220.19 |
Average Assets |
1,086.12 | 1,003.80 | 1,133.07 | 1,162.74 | 1,140.36 | 1,231.97 | 1,307.39 | 1,407.79 | 1,480.47 | 1,722.22 |
Average Common Equity |
625.12 | 627.07 | 699.67 | 742.18 | 697.04 | 660.68 | 682.23 | 719.00 | 775.17 | 915.03 |
Columns are period end dates