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 '25 | Sep '24 | Sep '23 | Sep '22 | Sep '21 | Sep '20 | Sep '19 | Sep '18 | Sep '17 | Sep '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
5 | 8 | 6 | 6 | 6 | 3 | 5 | 6 | 7 | — |
P/E ratio |
9.92 | 7.38 | 11.87 | 8.66 | 47.31 | 0.00 | 161.50 | 14.20 | 16.44 | 0.00 |
P/S ratio |
0.86 | 0.53 | 0.44 | 0.49 | 0.58 | 0.34 | 0.42 | 0.70 | 0.70 | 0.82 |
P/FCF ratio |
9.91 | 7.91 | 7.52 | 12.58 | 18.48 | 13.54 | 5.53 | 11.80 | 20.51 | 10.97 |
P/Operating CF |
21.35 | 14.21 | 16.78 | 24.15 | 31.69 | (38.18) | 9.28 | 29.11 | 34.75 | 59.21 |
P/B ratio |
1.07 | 0.77 | 0.62 | 0.63 | 0.63 | 0.43 | 0.48 | 0.77 | 0.80 | 1.01 |
Price to Tangible BV |
1.70 | 1.40 | 1.20 | 1.25 | 1.30 | 0.84 | 0.95 | 1.49 | 1.41 | 1.94 |
EV/Sales |
0.74 | 0.42 | 0.33 | 0.42 | 0.41 | 0.10 | 0.28 | 0.62 | 0.75 | 1.01 |
EV/EBITDA |
5.11 | 3.32 | 2.76 | 3.47 | 3.95 | 0.89 | 2.45 | 4.59 | 6.29 | 5.12 |
EV/Operating CF |
6.30 | 4.31 | 3.41 | 5.65 | 6.43 | 1.74 | 2.27 | 5.68 | 11.05 | 10.79 |
EV/FCF |
8.49 | 6.29 | 5.66 | 10.86 | 13.08 | 4.16 | 3.63 | 10.42 | 21.81 | 13.39 |
Quick Ratio |
4.12 | 1.85 | 2.68 | 3.00 | 3.02 | 3.51 | 4.32 | 1.98 | 5.03 | 2.78 |
Current Ratio |
5.61 | 2.71 | 3.75 | 4.21 | 3.94 | 4.48 | 6.65 | 2.88 | 8.00 | 5.08 |
Net Debt/EBITDA |
(1.41) | (0.86) | (0.91) | (0.55) | (1.63) | (2.01) | (1.29) | (0.61) | (0.55) | 0.35 |
Debt/Assets |
26.55% | 21.92% | 24.54% | 27.07% | 24.96% | 20.99% | 22.02% | 33.57% | 27.80% | 28.84% |
Debt/Equity |
0.51 | 0.41 | 0.48 | 0.53 | 0.47 | 0.39 | 0.32 | 0.56 | 0.43 | 0.48 |
Asset Turnover |
0.74 | 0.78 | 0.75 | 0.68 | 0.59 | 0.72 | 0.73 | 0.72 | 0.75 | 0.67 |
Operating CF/Net income |
1.36 | 1.37 | 2.65 | 1.33 | 5.39 | (0.72) | 40.74 | 2.39 | 1.61 | (0.84) |
Capex/Depreciation |
(1.13) | (1.03) | (1.20) | (0.95) | (0.53) | (0.20) | (0.80) | (0.94) | (0.70) | (0.12) |
Interest Coverage |
6.48 | 8.28 | 5.60 | 7.51 | 1.41 | (2.15) | 1.44 | 2.41 | 1.91 | 1.77 |
| 11.98% | 10.72% | 5.35% | 7.35% | 1.30% | (9.82%) | 0.34% | 5.33% | 5.01% | (12.92%) | |
| 6.36% | 5.61% | 2.73% | 3.84% | 0.70% | (6.00%) | 0.22% | 3.29% | 3.13% | (7.43%) | |
ROIC |
12.17% | 10.37% | 9.13% | 7.40% | 3.55% | (6.62%) | 4.72% | 6.24% | 5.42% | 2.83% |
Return on Tangible Assets |
10.95% | 15.81% | 6.46% | 9.15% | 1.69% | (13.22%) | 0.44% | 6.62% | 5.55% | (18.12%) |
Average Days of Receivables |
13.96 | 13.83 | 13.53 | 13.79 | 14.68 | 9.13 | 13.70 | 13.91 | 15.40 | 15.52 |
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 |
6.55% | 6.50% | 6.44% | 7.26% | 7.74% | 6.58% | 7.51% | 6.60% | 7.15% | 9.32% |
Intangible Assets out of Total Assets |
0.20 | 0.24 | 0.25 | 0.26 | 0.27 | 0.26 | 0.34 | 0.29 | 0.28 | 0.29 |
Share Based Compensation of Revenue |
0.98% | 0.90% | 0.91% | 0.57% | 0.54% | (0.62%) | 1.15% | 1.33% | 0.78% | 0.73% |
Graham Net Nets |
0.18 | 0.07 | 0.00 | (0.03) | 0.04 | 0.16 | 0.75 | 0.43 | 0.41 | 0.15 |
Graham Number |
27.77 | 22.38 | 14.54 | 15.66 | 6.59 | 0.00 | 3.48 | 15.04 | 12.71 | 0.00 |
Earnings Yield |
10.08% | 13.56% | 8.42% | 11.54% | 2.11% | (24.65%) | 0.62% | 7.04% | 6.08% | (13.83%) |
Free Cash Flow Yield |
10.09% | 12.64% | 13.29% | 7.95% | 5.41% | 7.39% | 18.09% | 8.48% | 4.88% | 9.11% |
Revenue per Share |
22.17 | 21.15 | 18.87 | 15.69 | 13.09 | 14.87 | 15.31 | 14.91 | 13.78 | 13.42 |
Operating CF per Share |
2.59 | 2.07 | 1.83 | 1.18 | 0.83 | 0.89 | 1.87 | 1.63 | 0.93 | 1.25 |
Capex per Share |
(0.67) | (0.65) | (0.73) | (0.56) | (0.42) | (0.52) | (0.70) | (0.74) | (0.46) | (0.24) |
Free Cash Flow per Share |
1.92 | 1.42 | 1.10 | 0.61 | 0.41 | 0.37 | 1.17 | 0.89 | 0.47 | 1.01 |
Cash per Share |
13.53 | 8.26 | 8.54 | 7.51 | 7.88 | 8.02 | 6.53 | 8.88 | 6.15 | 4.28 |
Shareholders Equity per Share |
17.85 | 14.65 | 13.42 | 12.25 | 12.06 | 11.74 | 13.46 | 13.58 | 12.16 | 10.92 |
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 |
17.85 | 14.65 | 13.42 | 12.25 | 12.06 | 11.74 | 13.46 | 13.58 | 12.16 | 10.92 |
Free Cash Flow |
110.42 | 77.84 | 61.39 | 34.64 | 22.84 | 20.55 | 64.68 | 48.51 | 25.67 | 54.85 |
Working Capital |
925.38 | 459.62 | 527.75 | 491.30 | 455.77 | 460.78 | 514.67 | 489.42 | 508.38 | 387.17 |
Capital Expenditures |
(38.56) | (35.76) | (40.45) | (31.89) | (23.60) | (28.53) | (38.84) | (40.47) | (25.00) | (13.25) |
Net Current Asset Value |
200.23 | 40.33 | (2.22) | (11.48) | 16.19 | 45.35 | 267.01 | 247.01 | 216.52 | 93.10 |
EV/EBIT |
6.29 | 4.35 | 3.77 | 5.02 | 9.58 | 0.00 | 4.99 | 7.53 | 10.55 | 25.18 |
Capex to Sales |
0.03 | 0.03 | 0.04 | 0.04 | 0.03 | 0.03 | 0.05 | 0.05 | 0.03 | 0.02 |
Price to Operating Income |
7.34 | 5.47 | 5.01 | 5.81 | 13.54 | 0.00 | 7.61 | 8.53 | 9.92 | 20.63 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.45 | 0.53 | 0.49 | 0.59 | 0.83 | 2.53 | 0.72 | 0.58 | 0.62 | 1.95 |
Cash ROIC |
4.76% | 4.91% | 3.88% | 2.34% | 1.60% | 1.53% | 4.81% | 2.96% | 2.01% | 4.94% |
Accounts Receivable Turnover |
27.48 | 28.02 | 28.99 | 28.22 | 29.23 | 31.41 | 27.00 | 25.99 | 23.89 | 14.03 |
Accounts Payable Turnover |
5.53 | 5.73 | 5.29 | 4.10 | 3.46 | 5.00 | 5.19 | 5.53 | 4.29 | 3.11 |
Inventory Turnover |
2.40 | 2.67 | 2.76 | 2.73 | 2.71 | 2.71 | 2.04 | 2.06 | 2.12 | 2.29 |
Average Days of Payables |
72.86 | 65.29 | 67.82 | 86.14 | 117.64 | 69.86 | 80.66 | 63.99 | 71.90 | 101.78 |
Days of Inventory on Hand |
171.69 | 146.15 | 138.35 | 154.55 | 144.65 | 93.69 | 185.57 | 184.37 | 180.38 | 169.32 |
Average Receivables |
46.37 | 41.45 | 36.18 | 31.41 | 24.96 | 26.19 | 31.38 | 31.25 | 31.31 | 52.07 |
Average Payables |
95.59 | 83.67 | 83.06 | 87.39 | 80.89 | 74.73 | 67.96 | 59.75 | 72.91 | 97.08 |
Average Inventory |
220.19 | 179.20 | 159.05 | 131.30 | 103.44 | 137.62 | 173.18 | 160.70 | 147.32 | 132.15 |
Average Assets |
1,722.22 | 1,480.47 | 1,407.79 | 1,307.39 | 1,231.97 | 1,140.36 | 1,162.74 | 1,133.07 | 1,003.80 | 1,086.12 |
Average Common Equity |
915.03 | 775.17 | 719.00 | 682.23 | 660.68 | 697.04 | 742.18 | 699.67 | 627.07 | 625.12 |
Columns are period end dates