EZCORP, Inc. (EZPW) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↑
11.80
↑+37% vs avg
5yr avg: 8.61
30Y Low4.0·High25.7
P/FCF
↓
16.76
+13% vs avg
5yr avg: 14.86
30Y Low2.3·High22.0
P/B Ratio
↑
2.56
↑+148% vs avg
5yr avg: 1.03
30Y Low0.1·High3.1
ROE
↑
12.0%
↓+63% vs avg
5yr avg: 7.3%
30Y Low-27%·High21%
Debt/EBITDA
↓
4.20
↓-6% vs avg
5yr avg: 4.49
30Y Low0.1·High18.0
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
EZPW Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
EZCORP, Inc. trades at 22.2x earnings, 10% above its 5-year average of 20.1x, sitting at the 82nd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 63%. On a free-cash-flow basis, the stock trades at 16.8x P/FCF, 13% above the 5-year average of 14.9x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.9B | $1.6B | $947M | $667M | $635M | $424M | $278M | $361M | $619M | $516M | $602M |
| Enterprise Value | $2.1B | $1.9B | $1.3B | $1.1B | $975M | $648M | $428M | $442M | $751M | $637M | $820M |
| P/E Ratio → | 22.19 | 13.41 | 10.19 | 15.57 | 11.01 | 50.47 | — | 204.27 | 15.97 | 15.32 | — |
| P/S Ratio | 1.45 | 1.25 | 0.81 | 0.64 | 0.72 | 0.58 | 0.34 | 0.43 | 0.76 | 0.69 | 0.82 |
| P/B Ratio | 2.56 | 1.55 | 1.18 | 0.89 | 0.92 | 0.63 | 0.43 | 0.49 | 0.84 | 0.78 | 1.01 |
| P/FCF | 16.76 | 14.38 | 12.16 | 10.87 | 18.34 | 18.55 | 13.54 | 5.59 | 12.77 | 20.12 | 10.97 |
| P/OCF | 12.42 | 10.66 | 8.33 | 6.55 | 9.55 | 9.12 | 5.67 | 3.49 | 6.96 | 10.19 | 8.84 |
P/E links to full P/E history page with 30-year chart
EZPW EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
EZCORP, Inc.'s enterprise value stands at 11.8x EBITDA, 37% above its 5-year average of 8.6x. This is roughly in line with the Financial Services sector median of 11.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.48 | 1.16 | 1.01 | 1.10 | 0.89 | 0.52 | 0.52 | 0.92 | 0.85 | 1.12 |
| EV / EBITDA | 11.80 | 10.36 | 9.22 | 8.51 | 9.11 | 5.87 | 15.22 | 5.84 | 8.11 | 8.30 | 14.18 |
| EV / EBIT | 14.38 | 11.08 | 10.40 | 15.52 | 12.55 | 16.94 | — | 12.02 | 9.01 | 9.04 | 48.68 |
| EV / FCF | — | 17.04 | 17.26 | 17.22 | 28.15 | 28.36 | 20.81 | 6.84 | 15.48 | 24.82 | 14.95 |
EZPW Profitability
Margins and return-on-capital ratios measuring operating efficiency
EZCORP, Inc. earns an operating margin of 11.7%, below the Financial Services sector average of 20.3%. Operating margins have expanded from 8.8% to 11.7% over the past 3 years, signaling improving operational efficiency. ROE of 12.0% is modest. ROIC of 7.1% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 58.5% | 58.5% | 58.7% | 58.1% | 59.6% | 61.6% | 54.6% | 58.4% | 59.3% | 58.2% | 58.6% |
| Operating Margin | 11.7% | 11.7% | 9.7% | 8.8% | 8.5% | 4.3% | -5.9% | 5.5% | 8.3% | 7.1% | 4.0% |
| Net Profit Margin | 8.6% | 8.6% | 7.2% | 3.7% | 5.7% | 1.2% | -8.3% | 0.3% | 4.6% | 4.2% | -11.1% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.0% | 12.0% | 10.7% | 5.3% | 7.4% | 1.3% | -9.8% | 0.3% | 5.3% | 5.0% | -12.8% |
| ROA | 6.4% | 6.4% | 5.6% | 2.7% | 3.8% | 0.7% | -6.0% | 0.2% | 3.3% | 3.1% | -7.4% |
| ROIC | 7.1% | 7.1% | 6.2% | 5.3% | 4.7% | 2.1% | -3.5% | 3.3% | 4.8% | 4.4% | 2.4% |
| ROCE | 10.0% | 10.0% | 9.0% | 7.5% | 6.5% | 2.9% | -4.7% | 4.8% | 6.9% | 5.8% | 3.1% |
EZPW Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
EZCORP, Inc. carries a Debt/EBITDA ratio of 4.2x, which is highly leveraged (roughly in line with the sector average of 4.3x). Net debt stands at $295M ($764M total debt minus $470M cash). Interest coverage of 7.4x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.75 | 0.75 | 0.70 | 0.82 | 0.79 | 0.71 | 0.70 | 0.32 | 0.56 | 0.43 | 0.48 |
| Debt / EBITDA | 4.20 | 4.20 | 3.89 | 4.91 | 5.10 | 4.33 | 16.16 | 3.15 | 4.50 | 3.71 | 4.90 |
| Net Debt / Equity | — | 0.29 | 0.49 | 0.52 | 0.49 | 0.33 | 0.23 | 0.11 | 0.18 | 0.18 | 0.37 |
| Net Debt / EBITDA | 1.62 | 1.62 | 2.72 | 3.14 | 3.18 | 2.03 | 5.32 | 1.07 | 1.42 | 1.57 | 3.77 |
| Debt / FCF | — | 2.67 | 5.09 | 6.35 | 9.81 | 9.81 | 7.27 | 1.25 | 2.71 | 4.69 | 3.97 |
| Interest Coverage | 7.37 | 7.37 | 9.51 | 4.14 | 7.79 | 1.72 | -2.12 | 1.13 | 3.00 | 2.54 | 1.02 |
EZPW Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
EZCORP, Inc.'s current ratio of 5.61x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 3.75x to 5.61x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 5.61 | 5.61 | 2.71 | 3.75 | 4.21 | 3.94 | 4.48 | 6.65 | 2.88 | 8.00 | 5.08 |
| Quick Ratio | 5.61 | 5.61 | 2.71 | 3.75 | 4.21 | 3.94 | 4.48 | 6.65 | 2.88 | 8.00 | 5.08 |
| Cash Ratio | 2.34 | 2.34 | 0.63 | 1.15 | 1.35 | 1.64 | 2.30 | 1.73 | 1.10 | 2.27 | 0.69 |
| Asset Turnover | — | 0.65 | 0.78 | 0.71 | 0.66 | 0.58 | 0.69 | 0.78 | 0.65 | 0.73 | 0.74 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
EZPW Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
EZCORP, Inc. returns 0.4% to shareholders annually primarily through share buybacks. The earnings yield of 4.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 4.5% | 7.5% | 9.8% | 6.4% | 9.1% | 2.0% | — | 0.5% | 6.3% | 6.5% | — |
| FCF Yield | 6.0% | 7.0% | 8.2% | 9.2% | 5.5% | 5.4% | 7.4% | 17.9% | 7.8% | 5.0% | 9.1% |
| Buyback Yield | 0.4% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.4% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $83M | $84M | $81M | $82M | $56M | $55M | $56M | $58M | $54M | $54M |
Peer Comparison
Compare EZPW with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 EZPWYou | $2B | 22.2 | 11.8 | 16.8 | 58.5% | 11.7% | 12.0% | 7.1% | 4.2 |
 FCFS | $10B | 30.8 | 12.9 | 21.5 | 51.7% | 15.4% | 15.3% | 9.2% | 2.8 |
 CASH | $2B | 10.5 | 6.1 | 7.6 | 90.0% | 32.6% | 21.9% | 15.6% | 0.2 |
 WRLD | $916M | 11.1 | 8.5 | 3.7 | 70.0% | 28.1% | 20.8% | 12.1% | 3.1 |
 RM | $351M | 8.4 | 21.6 | 1.2 | 52.3% | 12.4% | 12.2% | 3.0% | 18.8 |
 ENVA | $5B | 17.7 | 12.3 | 2.9 | 50.1% | 23.5% | 24.3% | 10.4% | 5.8 |
 NEM | $113B | 15.9 | 8.0 | 15.5 | 49.8% | 46.9% | 22.1% | 24.9% | 0.0 |
 EBAY | $48B | 24.2 | 20.8 | 28.9 | 71.5% | 20.5% | 41.6% | 16.8% | 2.9 |
 SLM | $5B | 6.6 | 6.2 | 7.9 | 53.1% | 31.9% | 32.3% | 8.8% | 5.9 |
 NAVI | $740M | -9.7 | 17.8 | 1.7 | 87.0% | 77.1% | -3.2% | 3.8% | 18.3 |
 ATLC | $2B | 16.7 | 43.8 | 2.4 | 56.3% | 22.7% | 22.4% | 2.4% | 38.6 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
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Includes 30+ ratios · 30 years · Updated daily
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EZPW — Frequently Asked Questions
Quick answers to the most common questions about buying EZPW stock.
What is EZCORP, Inc.'s P/E ratio?
EZCORP, Inc.'s current P/E ratio is 22.2x. The historical average is 18.9x. This places it at the 82th percentile of its historical range.
What is EZCORP, Inc.'s EV/EBITDA?
EZCORP, Inc.'s current EV/EBITDA is 11.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 9.1x.
What is EZCORP, Inc.'s ROE?
EZCORP, Inc.'s return on equity (ROE) is 12.0%. The historical average is 5.4%.
Is EZPW stock overvalued?
Based on historical data, EZCORP, Inc. is trading at a P/E of 22.2x. This is at the 82th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are EZCORP, Inc.'s profit margins?
EZCORP, Inc. has 58.5% gross margin and 11.7% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does EZCORP, Inc. have?
EZCORP, Inc.'s Debt/EBITDA ratio is 4.2x, indicating high leverage. A ratio above 4x may signal elevated financial risk.