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EZCORP INC EZPW

Nasdaq · stock · Retail-Miscellaneous Retail · website · IPO 1991-08-27 · LEI

EZCORP INC statistics & valuation

Market cap$2.0B
P / E18.3×
P / S1.6×
P / B2.0×
Net margin8.6%
Return on equity10.7%
Net debt$48.6M
Net debt / EBITDA0.3×
Enterprise value USD$2.0B
EV / EBITDA11.3×
Earnings yield EBIT/EV7.3%
Return on capital8.5%
Graham number -31.4%$19.82

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($19.82); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
-11.10% 4.20% 4.60% 0.30% -8.30% 1.20% 5.70% 3.70% 7.20% 8.60% 2016201720182019202020212022202320242025
Gross margin (%)
58.60% 58.20% 59.20% 58.40% 54.60% 61.60% 59.60% 58.10% 58.70% 58.50% 2016201720182019202020212022202320242025
Operating margin (%)
4.00% 7.10% 8.30% 5.50% -5.90% 4.30% 8.50% 8.80% 9.70% 11.70% 2016201720182019202020212022202320242025
Return on equity (%)
-13.60% 4.70% 5.00% 0.30% -10.50% 1.30% 7.20% 5.20% 10.30% 10.70% 2016201720182019202020212022202320242025
Shares outstanding
54.4M 54.4M 57.9M 56.0M 55.3M 55.9M 82.4M 80.9M 84.4M 83.4M 2016201720182019202020212022202320242025
Net debt ($)
$217.9M $120.4M $131.6M $81.0M -$53.3M $57.8M $106.9M $139.5M $156.8M $48.6M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
-8.20% 3.10% 3.00% 0.20% -5.70% 0.70% 3.70% 2.60% 5.60% 5.60% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.48× 0.43× 0.56× 0.32× 0.39× 0.46× 0.45× 0.48× 0.41× 0.51× 2016201720182019202020212022202320242025
EPS ($)
-$1.49 $0.58 $0.64 $0.05 -$1.24 $0.15 $0.70 $0.53 $1.10 $1.42 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

EZCORP INC trades at about 20.4× earnings — above its 10-year norm (10-year range 7×–105.2×, median 15.5×).

7× 105.2×

Shaded band = 10-year range (7×–105.2×); dot = today's 20.4×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Gross margin58.5%58.7%58.1%59.6%61.6%54.6%58.4%59.2%58.2%58.6%
Operating margin11.7%9.7%8.8%8.5%4.3%-5.9%5.5%8.3%7.1%4.0%
Net margin8.6%7.2%3.7%5.7%1.2%-8.3%0.3%4.6%4.2%-11.1%
Return on assets5.6%5.6%2.6%3.7%0.7%-5.7%0.2%3.0%3.1%-8.2%
Return on equity10.7%10.3%5.2%7.2%1.3%-10.5%0.3%5.0%4.7%-13.6%
Debt / equity0.51×0.41×0.48×0.45×0.46×0.39×0.32×0.56×0.43×0.48×
Current ratio5.612.713.754.213.944.486.652.888.005.08

Computed from company filings · US · as of 2025-09-30. Facts plus Stocktoria's own computed scores — not investment advice.