EZCORP
EZPW
30.44
-0.41
-1.33%
EZCORP
US · EZPW
#2829 by market cap
Listed 1970
30.44
-0.41
-1.33%
Live - 5344 symbols - heartbeat 488s ago
· 2026-10-07 19:54
After-hours
30.43
-0.03%
- Market cap
- 1.87B
- P/E (TTM)i
- 15.30
- P/Bi
- 1.61
- EPSi
- 1.42
- Div yieldi
- 0.00%
- 52W posi
- 68%
Reader sentiment
Are you bullish or bearish on EZPW?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Good
- Altman Z-Score is 3.13, above the 3.0 "safe zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +9.70% YoY
Margins
- Gross margin
- 58.55%
- Operating margin
- 11.69%
- Net margin
- 8.60%
Key ratios & quality
- Enterprise valuei
- 1.98B
- PEG ratioi
- 0.51
- Altman Z-Scorei
- 3.13
PEG uses trailing P/E against the 3-year net income growth rate (29.77%/yr) since forward earnings estimates aren't available here, so this is not a "forward PEG." Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 812.16M | 847.23M | 822.78M | 729.55M | 886.23M | 1.05B | 1.16B | 1.27B |
| Gross profit | 481.55M | 494.45M | 449.20M | 449.49M | 528.15M | 609.84M | 682.27M | 746.07M |
| Selling & admin expenses | 53.64M | 63.67M | 54.13M | 56.50M | 64.34M | 67.53M | 75.56M | 83.50M |
| Research & development | -- | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | 67.59M | 51.41M | 7.08M | 31.48M | 74.25M | 91.60M | 112.59M | 148.92M |
| Pretax profit | 55.54M | 4.17M | -70.10M | 16.06M | 67.71M | 51.63M | 115.61M | 146.77M |
| Tax | 18.39M | 2.41M | -1.63M | 7.45M | 17.55M | 13.17M | 32.51M | 37.16M |
| Net profit | 36.29M | 1.31M | -68.46M | 8.61M | 50.16M | 38.46M | 83.10M | 109.61M |
| Basic EPS | 1 | 0 | -1 | 0 | 1 | 1 | 2 | 2 |
| Diluted EPS | 0.64 | 0.05 | -1.24 | 0.15 | 0.70 | 0.53 | 1.10 | 1.42 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 306.32M | 310.98M | 336.81M | 382.02M | 446.88M | 418.75M |
| Gross profit | 178.45M | 183.64M | 198.57M | 222.97M | 260.04M | 246.19M |
| Selling & admin expenses | 25.10M | 27.52M | 6.70M | 26.74M | 34.49M | 34.00M |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 34.27M | 36.00M | 36.71M | 60.70M | 67.84M | 54.85M |
| Pretax profit | 34.41M | 34.71M | 36.26M | 59.17M | 65.49M | 52.01M |
| Tax | 9.02M | 8.21M | 9.56M | 14.87M | 15.90M | 13.52M |
| Net profit | 25.39M | 26.50M | 26.70M | 44.30M | 49.58M | 38.49M |
| Basic EPS | 0 | 0 | 0 | 1 | 1 | 1 |
| Diluted EPS | 0.33 | 0.34 | 0.34 | 0.55 | 0.61 | 0.48 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 749.39M | 605.76M | 593.25M | 610.86M | 644.16M | 719.72M | 729.00M | 1.13B |
| Cash & ST investments | 285.31M | 157.57M | 304.54M | 253.67M | 206.03M | 220.60M | 170.51M | 469.52M |
| Inventory | 167.00M | 179.36M | 95.89M | 110.99M | 151.62M | 166.48M | 191.92M | 248.46M |
| Total assets | 1.24B | 1.08B | 1.20B | 1.27B | 1.35B | 1.47B | 1.49B | 1.95B |
| Total current liabilities | 259.96M | 91.09M | 132.47M | 155.09M | 152.87M | 191.97M | 269.38M | 200.57M |
| Short-term debt | 190.18M | 214.00K | 49.96M | 52.26M | 52.33M | 91.45M | 162.07M | 61.23M |
| Long-term debt | 226.70M | 238.38M | 251.02M | 264.19M | 312.90M | 325.85M | 224.26M | 518.08M |
| Total liabilities | 502,372,000.00 | 338,753,000.00 | 547,896,000.00 | 594,673,000.00 | 655,647,000.00 | 721,943,000.00 | 688,666,000.00 | 925,724,000.00 |
| Total equity | 739.41M | 744.95M | 649.13M | 672.24M | 692.23M | 745.77M | 804.57M | 1.03B |
| Retained earnings | 386.62M | 389.16M | 318.17M | 326.78M | 402.01M | 431.14M | 507.21M | 612.69M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 1.07B | 1.09B | 1.13B | 1.15B | 1.09B | 1.12B |
| Cash & ST investments | 505.24M | 472.09M | 469.52M | 465.91M | 354.18M | 311.03M |
| Inventory | 207.78M | 225.49M | 248.46M | 253.45M | 275.96M | 316.35M |
| Total assets | 1.83B | 1.88B | 1.95B | 1.99B | 2.13B | 2.17B |
| Total current liabilities | 264.04M | 172.28M | 200.57M | 190.05M | 231.75M | 232.10M |
| Short-term debt | 162.18M | 60.18M | 61.23M | 61.46M | 68.04M | 69.76M |
| Long-term debt | 517.19M | 517.60M | 518.08M | 518.56M | 519.00M | 519.49M |
| Total liabilities | 978,053,000.00 | 893,010,000.00 | 925,724,000.00 | 916,781,000.00 | 984,832,000.00 | 998,528,000.00 |
| Total equity | 851.58M | 990.06M | 1.03B | 1.07B | 1.14B | 1.17B |
| Retained earnings | 561.21M | 586.55M | 612.69M | 656.99M | 703.69M | 739.40M |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 88.98M | 103.52M | 49.08M | 46.44M | 66.54M | 101.83M | 113.60M | 148.99M |
| Depreciation & amortization | 25.48M | 28.80M | 76.48M | 79.15M | 32.14M | 32.13M | 33.07M | 32.54M |
| Free cash flow | 48.51M | 64.68M | 20.55M | 22.84M | 34.64M | 61.39M | 77.84M | 110.42M |
| Dividends paid | -- | -- | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | 0 | 0 | -5.16M | 0 | -2.04M | -16.99M | -12.01M | -7.00M |
| Ending cash balance | 285.58M | 162.44M | 312.55M | 263.62M | 214.37M | 228.97M | 179.81M | 484.71M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 36.94M | 34.80M | 51.26M | 39.15M | 48.46M | 42.78M |
| Depreciation & amortization | 8.02M | 8.00M | 8.18M | 8.76M | 9.59M | 9.65M |
| Free cash flow | 28.58M | 25.72M | 35.75M | 31.69M | 38.01M | 32.88M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -997.00K | -2.00M | -999.00K | 0 | -4.01M | -4.03M |
| Ending cash balance | 514.74M | 487.08M | 484.71M | 486.12M | 370.06M | 326.70M |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | 5.54 | 0.34 | -9.82 | 1.30 | 7.35 | 5.35 | 10.72 | 11.98 |
| ROA %i | 3.44 | 0.22 | -6.00 | 0.70 | 3.84 | 2.73 | 5.61 | 6.36 |
| ROIC %i | 4.03 | 1.70 | -4.75 | 2.04 | 4.77 | 3.48 | 6.25 | 7.33 |
| 5-year avg ROE %i | -4.44 | -2.81 | -2.39 | 0.43 | 0.90 | 0.91 | 2.98 | 7.34 |
| EBIT margin %i | 10.44 | 4.34 | -5.79 | 5.24 | 8.77 | 6.49 | 11.12 | 13.33 |
| FCF / sales %i | 5.93 | 7.63 | 2.50 | 3.13 | 3.91 | 5.85 | 6.70 | 8.67 |
| Current ratioi | 2.88 | 6.65 | 4.48 | 3.94 | 4.21 | 3.75 | 2.71 | 5.61 |
| Quick ratioi | 2.19 | 4.58 | 3.61 | 3.12 | 3.11 | 2.82 | 1.95 | 4.33 |
| Debt / assetsi | 33.57 | 22.02 | 37.93 | 37.71 | 40.51 | 41.59 | 37.97 | 39.16 |
| LT debt / equityi | 30.52 | 32.00 | 62.25 | 63.30 | 71.31 | 69.60 | 50.32 | 68.53 |
| Interest coveragei | 3.05 | 1.13 | -2.12 | 1.72 | 7.79 | 4.14 | 9.51 | 7.37 |
| Revenue CAGR (3Y) %i | 4.10 | 5.07 | 3.23 | -3.51 | 1.51 | 8.44 | 16.77 | 12.87 |
| Net income CAGR (3Y) %i | -- | -- | -- | -38.64 | 170.26 | -- | 112.89 | 29.77 |
| FCF CAGR (3Y) %i | -4.49 | 5.65 | -7.14 | -22.21 | -18.79 | 44.02 | 50.49 | 47.17 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 10.84 | 10.95 | 11.98 | 12.97 | 14.87 | 14.69 |
| ROA %i | 5.37 | 5.78 | 6.36 | 7.05 | 7.41 | 7.82 |
| ROIC %i | 5.92 | 6.50 | 7.33 | 8.11 | 8.69 | 9.20 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 11.49 | 12.57 | 13.33 | 14.42 | 15.49 | 15.52 |
| FCF / sales %i | 8.64 | 8.05 | 8.67 | 9.11 | 8.88 | 8.73 |
| Current ratioi | 4.04 | 6.31 | 5.61 | 6.03 | 4.71 | 4.81 |
| Quick ratioi | 3.20 | 4.93 | 4.33 | 4.60 | 3.45 | 3.39 |
| Debt / assetsi | 47.13 | 40.47 | 39.16 | 38.52 | 37.57 | 37.43 |
| LT debt / equityi | 82.21 | 70.89 | 68.53 | 65.76 | 65.26 | 63.63 |
| Interest coveragei | 10.49 | 8.56 | 7.37 | 6.87 | 6.91 | 7.45 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Lead segment, long tail
- United States (U.S.) Pawn is the largest reported line at 60.00% of revenue, across 3 reported segments.
- Latin America Pawn follows at 29.71%, so the top line still matters most but isn’t the whole story.
Revenue breakdown most recent period
Business
United States (U.S.) Pawn60.00%
Latin America Pawn29.71%
Simple Management Group, Inc. (SMG)10.29%
Quote time 2026-10-07 19:54:59 · For reference only, not investment advice and not tailored to your situation.