Last 48 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
EZCORP, Inc.'s quarterly P/E stands at 8.8x, up 15.6% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has compressed 14.6% YoY to 5.0x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 18.68 | 8.83 | 14.00 | 10.21 | 11.15 | 7.64 | — | 10.47 | 9.77 | 6.07 | 13.75 | 9.98 | — |
| — | +15.6% | — | -2.5% | +14.2% | +25.8% | — | +4.9% | — | -25.5% | -36.6% | -20.3% | — | |
| P/S Ratio | 1.28 | 1.06 | 1.18 | 0.93 | 1.00 | 0.80 | 0.79 | 0.77 | 0.82 | 0.63 | 0.66 | 0.71 | 0.71 |
| — | +33.1% | +47.9% | +19.8% | +21.3% | +25.8% | +19.6% | +8.6% | +16.0% | -2.1% | -2.5% | -0.9% | +23.2% | |
| P/B Ratio | 2.16 | 1.51 | 1.55 | 1.16 | 1.44 | 1.24 | 1.16 | 1.08 | 1.18 | 0.98 | 0.96 | 0.98 | 1.03 |
| — | +22.2% | +32.7% | +7.2% | +22.3% | +26.3% | +20.7% | +10.1% | +14.2% | +1.1% | +4.9% | +9.0% | +39.6% | |
| P/FCF | 14.82 | 10.33 | 11.08 | 10.49 | 10.71 | 12.49 | 9.58 | 6.73 | 27.36 | 13.27 | 12.12 | 10.01 | 7.67 |
| — | -17.3% | +15.7% | +55.9% | -60.9% | -5.8% | -21.0% | -32.8% | +256.6% | -65.1% | -67.7% | -33.3% | -1.1% | |
| EV / EBITDA | 10.63 | 5.04 | 10.40 | 8.19 | 9.35 | 5.90 | 9.76 | 10.88 | 9.33 | 6.28 | 3.57 | 9.64 | 7.89 |
| — | -14.6% | +6.5% | -24.7% | +0.2% | -6.0% | +173.5% | +12.9% | +18.2% | -15.3% | -45.3% | +42.4% | +29.7% | |
| EV / EBIT | 12.95 | — | 10.58 | 8.34 | 10.48 | 6.67 | 11.31 | 12.43 | 10.34 | 6.97 | 17.58 | 11.16 | — |
| — | — | -6.5% | -32.9% | +1.4% | -4.4% | -35.6% | +11.3% | — | -20.3% | +11.5% | -25.0% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
EZCORP, Inc.'s operating margin was 15.9% in Q1 2026, up 4.9 pp QoQ and up 2.8 pp YoY. The trailing four-quarter average of 12.4% lags the current quarter, suggesting the recent improvement is above-trend.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 58.5% | 58.4% | 59.0% | 59.1% | 58.3% | 57.9% | 59.5% | 59.2% | 58.7% | 57.5% | 58.9% | 58.2% | 57.7% |
| — | +0.8% | -1.0% | -0.3% | -0.7% | +0.7% | +1.1% | +1.9% | +1.6% | -0.3% | -0.1% | -3.1% | -3.3% | |
| Operating Margin | 11.7% | 15.9% | 11.0% | 11.6% | 11.2% | 13.1% | 8.8% | 7.9% | 9.6% | 12.4% | 6.1% | 8.1% | 10.3% |
| — | +21.1% | +24.4% | +47.0% | +17.0% | +6.0% | +44.2% | -2.3% | -7.7% | +15.7% | -4.0% | +27.7% | -7.7% | |
| Net Margin | 8.6% | 11.6% | 7.9% | 8.5% | 8.3% | 9.7% | 5.2% | 6.4% | 7.5% | 9.5% | 3.8% | 7.1% | -2.6% |
| — | +19.7% | +53.7% | +33.6% | +10.2% | +2.1% | +36.1% | -10.5% | +386.2% | +49.5% | +20.6% | +25.9% | -138.1% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.0% | 4.2% | 2.6% | 2.9% | 3.0% | 3.8% | 1.9% | 2.2% | 2.7% | 3.7% | 1.4% | 2.5% | -1.0% |
| — | +11.0% | +40.0% | +28.4% | +11.1% | +1.7% | +37.0% | -10.7% | +384.7% | +56.0% | +29.7% | +39.8% | -142.8% | |
| ROA | 6.4% | 2.2% | 1.4% | 1.4% | 1.5% | 2.1% | 1.0% | 1.2% | 1.4% | 1.9% | 0.7% | 1.3% | -0.5% |
| — | +8.5% | +37.7% | +20.0% | +6.2% | +7.4% | +44.4% | -6.1% | +398.7% | +58.3% | +28.0% | +36.4% | -141.7% | |
| ROIC | 7.1% | 2.9% | 1.6% | 1.6% | 1.8% | 2.5% | 1.4% | 1.2% | 1.5% | 2.0% | 0.9% | 1.2% | 1.5% |
| — | +18.1% | +14.1% | +35.2% | +21.8% | +24.5% | +52.9% | -0.5% | -4.2% | +19.5% | -0.9% | +37.7% | +0.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
EZCORP, Inc.'s Debt/EBITDA ratio is 3.6x, down from 16.9x last quarter — at a moderate level that warrants monitoring. The current ratio has improved 106.9% YoY to 6.03x, strengthening the short-term liquidity position. Debt/Equity has declined for 4 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.75 | 0.23 | 0.75 | 0.77 | 1.01 | 0.42 | 0.70 | 0.83 | 0.77 | 0.78 | 0.90 | 0.83 | 0.85 |
| — | -44.6% | +5.7% | -7.7% | +32.0% | -46.8% | -21.3% | +0.3% | -9.7% | -8.0% | +13.5% | +5.3% | +8.5% | |
| Debt / EBITDA | 4.20 | 3.56 | 16.92 | 17.32 | 20.40 | 6.83 | 16.61 | 22.04 | 17.29 | 13.30 | 8.18 | 21.44 | 17.44 |
| — | -47.9% | +1.9% | -21.4% | +18.0% | -48.6% | +103.1% | +2.8% | -0.9% | -19.8% | -44.0% | +37.4% | +4.5% | |
| Current Ratio | 5.61 | 6.03 | 5.61 | 6.31 | 4.04 | 2.91 | 2.71 | 2.59 | 4.17 | 4.00 | 3.75 | 4.74 | 4.72 |
| — | +106.9% | +107.4% | +143.4% | -3.1% | -27.1% | -27.8% | -45.3% | -11.7% | -16.2% | -11.0% | +9.0% | +5.7% | |
| Quick Ratio | 5.61 | 6.03 | 5.61 | 6.31 | 4.04 | 2.91 | 2.71 | 2.59 | 4.17 | 4.00 | 3.75 | 4.74 | 4.72 |
| — | +106.9% | +107.4% | +143.4% | -3.1% | -27.1% | -27.8% | -45.3% | -11.7% | -16.2% | -11.0% | +9.0% | +5.7% | |
| Interest Coverage | 6.48 | 7.42 | 4.54 | 4.26 | 10.44 | 13.33 | 8.12 | 6.26 | 8.02 | 10.78 | 4.78 | 6.04 | 7.89 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Start ComparisonEZCORP, Inc.'s current P/E is 18.7x. The average P/E over the last 4 quarters is 11.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
EZCORP, Inc.'s current operating margin is 11.7%. 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.