Last 47 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.03 | 18.01 | 10.75 | 8.83 | 14.00 | 10.21 | 11.15 | 7.64 | — | 10.47 | 9.77 | 6.07 | 13.75 | 9.98 | — | 8.15 | 21.68 | 12.52 | 8.39 | 8.77 | 63.08 |
| — | +76.4% | -3.6% | +15.6% | — | -2.5% | +14.2% | +25.8% | — | +4.9% | — | -25.5% | -36.6% | -20.3% | — | -7.1% | -65.6% | — | -32.5% | -41.4% | — | |
| P/S Ratio | 1.08 | 1.76 | 1.21 | 1.08 | 1.21 | 0.95 | 1.01 | 0.80 | 0.80 | 0.78 | 0.83 | 0.64 | 0.67 | 0.72 | 0.72 | 0.66 | 0.69 | 0.73 | 0.58 | 0.69 | 0.58 |
| — | +84.6% | +19.5% | +34.7% | +50.0% | +21.6% | +21.1% | +25.6% | +19.4% | +8.5% | +15.9% | -3.3% | -2.2% | -0.8% | +23.4% | -4.3% | +19.6% | +45.3% | +51.2% | +79.7% | +33.9% | |
| P/B Ratio | 2.32 | 2.47 | 1.85 | 1.51 | 1.55 | 1.16 | 1.44 | 1.24 | 1.16 | 1.08 | 1.18 | 0.98 | 0.96 | 0.98 | 1.03 | 0.97 | 0.92 | 0.90 | 0.74 | 0.92 | 0.64 |
| — | +112.3% | +29.0% | +22.2% | +32.7% | +7.2% | +22.3% | +26.3% | +20.7% | +10.1% | +14.2% | +1.1% | +4.9% | +9.0% | +39.6% | +4.9% | +43.6% | +80.5% | +78.4% | +131.0% | +50.0% | |
| P/FCF | 11.91 | 20.58 | 13.92 | 12.76 | 11.08 | 11.19 | 10.71 | 12.49 | 9.58 | 6.73 | 27.36 | 13.27 | 12.12 | 10.01 | 7.67 | 38.05 | 37.47 | 15.01 | 7.76 | 37.44 | 24.73 |
| — | +84.0% | +30.1% | +2.1% | +15.7% | +66.3% | -60.9% | -5.8% | -21.0% | -32.8% | +256.6% | -65.1% | -67.7% | -33.3% | -1.1% | +1.6% | +51.5% | +44.8% | +102.9% | — | — | |
| EV / EBITDA | 7.67 | 13.11 | 8.27 | 6.91 | 10.40 | 8.19 | 9.35 | 7.02 | 9.76 | 10.39 | 9.33 | 6.28 | 3.40 | 9.64 | 7.89 | 7.42 | 6.53 | 6.77 | 6.09 | 7.52 | 5.84 |
| — | +60.2% | -11.5% | -1.6% | +6.5% | -21.2% | +0.2% | +11.7% | +187.6% | +7.9% | +18.2% | -15.3% | -48.0% | +42.4% | +29.7% | -1.3% | +11.7% | +22.9% | +100.1% | +102.0% | — | |
| EV / EBIT | 13.18 | 14.00 | 8.67 | 7.90 | 10.58 | 8.34 | 10.48 | 7.93 | 11.31 | 11.87 | 10.34 | 6.97 | 16.71 | 11.16 | — | 8.75 | 15.77 | 14.88 | 8.51 | 9.42 | 16.10 |
| — | +67.8% | -17.3% | -0.4% | -6.5% | -29.7% | +1.4% | +13.7% | -32.3% | +6.4% | — | -20.3% | +6.0% | -25.0% | — | -7.1% | -2.1% | -44.0% | +10.9% | -1.3% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 59.6% | 60.0% | 57.1% | 59.6% | 60.4% | 60.7% | 58.9% | 58.5% | 60.2% | 60.0% | 59.4% | 58.2% | 59.7% | 58.9% | 58.5% | 59.1% | 59.5% | 60.8% | 60.4% | 60.4% | 63.9% |
| — | -1.2% | -3.0% | +2.0% | +0.4% | +1.2% | -0.8% | +0.5% | +0.9% | +1.8% | +1.5% | -1.5% | +0.2% | -3.0% | -3.2% | -2.3% | -6.8% | -5.2% | -4.7% | -3.7% | +14.7% | |
| Operating Margin | 11.9% | 13.4% | 15.5% | 16.2% | 11.3% | 11.9% | 11.3% | 13.2% | 8.9% | 8.0% | 9.7% | 12.5% | 6.2% | 8.2% | 10.5% | 10.9% | 6.4% | 6.4% | 11.3% | 10.2% | 4.2% |
| — | +12.3% | +36.9% | +22.5% | +26.1% | +49.2% | +16.9% | +5.8% | +43.9% | -2.4% | -7.8% | +14.3% | -3.7% | +27.8% | -7.6% | +7.7% | +54.1% | +189.9% | +91.5% | +94.6% | +125.0% | |
| Net Margin | 8.8% | 9.3% | 11.2% | 11.9% | 8.1% | 8.8% | 8.4% | 9.8% | 5.2% | 6.5% | 7.6% | 9.6% | 3.8% | 7.2% | -2.7% | 6.5% | 3.2% | 5.7% | 7.0% | 7.2% | 0.8% |
| — | +6.2% | +33.6% | +21.1% | +55.8% | +35.6% | +10.1% | +1.9% | +35.8% | -10.5% | +385.8% | +47.7% | +20.9% | +26.0% | -138.2% | -9.6% | +281.9% | +475.7% | +134.8% | +188.9% | +105.7% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.0% | 3.3% | 4.4% | 4.2% | 2.6% | 2.9% | 3.0% | 3.8% | 1.9% | 2.2% | 2.7% | 3.7% | 1.4% | 2.5% | -1.0% | 2.4% | 1.1% | 1.8% | 2.2% | 2.4% | 0.2% |
| — | +14.9% | +46.4% | +11.0% | +40.0% | +28.4% | +11.1% | +1.7% | +37.0% | -10.7% | +384.7% | +56.0% | +29.7% | +39.8% | -142.8% | +1.3% | +361.2% | +568.9% | +180.2% | +262.1% | +106.6% | |
| ROA | 6.4% | 1.8% | 2.4% | 2.2% | 1.4% | 1.4% | 1.5% | 2.1% | 1.0% | 1.2% | 1.4% | 1.9% | 0.7% | 1.3% | -0.5% | 1.2% | 0.5% | 0.9% | 1.2% | 1.2% | 0.1% |
| — | +24.6% | +56.5% | +8.5% | +37.7% | +20.0% | +6.2% | +7.4% | +44.4% | -6.1% | +398.7% | +58.3% | +28.0% | +36.4% | -141.7% | -1.2% | +341.8% | +539.9% | +159.1% | +243.7% | +106.4% | |
| ROIC | 7.1% | 2.1% | 2.7% | 2.5% | 1.6% | 1.6% | 1.7% | 2.3% | 1.4% | 1.2% | 1.5% | 2.0% | 0.9% | 1.2% | 1.5% | 1.7% | 0.9% | 0.8% | 1.5% | 1.4% | 0.5% |
| — | +34.7% | +62.9% | +10.1% | +11.7% | +32.4% | +13.0% | +12.1% | +52.9% | +1.6% | -4.2% | +22.0% | +1.2% | +37.7% | +0.3% | +16.4% | +76.3% | +237.6% | +111.6% | +133.7% | +128.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.75 | 0.69 | 0.70 | 0.71 | 0.75 | 0.77 | 1.01 | 0.69 | 0.70 | 0.76 | 0.77 | 0.78 | 0.82 | 0.83 | 0.85 | 0.85 | 0.79 | 0.79 | 0.78 | 0.80 | 0.71 |
| — | -9.8% | -30.9% | +3.7% | +5.7% | +1.3% | +32.0% | -12.0% | -13.9% | -8.5% | -9.7% | -8.0% | +3.8% | +5.3% | +8.5% | +6.0% | +11.0% | +16.2% | +19.9% | +20.3% | +1.6% | |
| Debt / EBITDA | 4.20 | 12.58 | 10.32 | 11.04 | 16.92 | 17.32 | 20.40 | 11.29 | 16.61 | 20.10 | 17.29 | 13.30 | 7.48 | 21.44 | 17.44 | 16.57 | 14.60 | 15.61 | 16.68 | 17.64 | 17.07 |
| — | -27.4% | -49.4% | -2.3% | +1.9% | -13.8% | +18.0% | -15.1% | +122.1% | -6.3% | -0.9% | -19.8% | -48.8% | +37.4% | +4.5% | -6.1% | -14.4% | -20.8% | +18.6% | +11.8% | — | |
| Current Ratio | 5.61 | 4.81 | 4.71 | 6.03 | 5.61 | 6.31 | 4.04 | 2.91 | 2.71 | 2.59 | 4.17 | 4.00 | 3.75 | 4.74 | 4.72 | 4.77 | 4.21 | 4.35 | 4.47 | 4.26 | 3.94 |
| — | -23.8% | +16.6% | +106.9% | +107.4% | +143.4% | -3.1% | -27.1% | -27.8% | -45.3% | -11.7% | -16.2% | -11.0% | +9.0% | +5.7% | +11.8% | +7.0% | +4.4% | -10.6% | -12.3% | -12.1% | |
| Quick Ratio | 5.61 | 4.81 | 4.71 | 6.03 | 5.61 | 6.31 | 4.04 | 2.91 | 2.71 | 2.59 | 4.17 | 4.00 | 3.75 | 4.74 | 4.72 | 4.77 | 4.21 | 4.35 | 4.47 | 4.26 | 3.94 |
| — | -23.8% | +16.6% | +106.9% | +107.4% | +143.4% | -3.1% | -27.1% | -27.8% | -45.3% | -11.7% | -16.2% | -11.0% | +9.0% | +5.7% | +11.8% | +7.0% | +4.4% | -10.6% | -12.3% | -12.1% | |
| Interest Coverage | 7.37 | 7.23 | 8.84 | 7.43 | 5.45 | 5.10 | 11.49 | 14.15 | 9.19 | 7.50 | 9.42 | 11.96 | 4.79 | 7.24 | -1.17 | 4.96 | 6.67 | 5.86 | 8.96 | 9.78 | 1.80 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying EZPW stock.
EZCORP, Inc.'s current P/E is 15.0x. The average P/E over the last 4 quarters is 12.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
EZCORP, Inc.'s current operating margin is 11.9%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking EZCORP, Inc.'s business trajectory between earnings reports.