Ezcorp Inc
EZPW Nasdaq· Retail-Miscellaneous Retail
Last close · Oct 23, 2026
$28.70
KIRA · Stoqly’s AI analyst, in plain words
- Ezcorp Inc had $1.3B of revenue in fiscal 2025, up 9.7% on the year before. Over five years, revenue changed +9.1% a year on average.
- Its operating margin was 11.7%, up 2.0 pts: of every 100 in sales, about 12 is left after running the business.
- Ezcorp Inc made $110M of net profit in fiscal 2025.
- Free cash flow was $110M in fiscal 2025, 8.7% of revenue.
- Ezcorp Inc returned $7.0M to shareholders in fiscal 2025, 6% of free cash flow. The diluted share count fell 1.3%.
- Ezcorp Inc owes $49.8M more than it holds in cash, about 0.3 years of operating profit.
Market cap
$2.4B
P/E
14.4x
Revenue
$1.3B
Net income
$110M
Free cash flow
$110M
Operating margin
11.7%
Ezcorp Inc in 30 seconds · fiscal 2025
Are sales growing?
+9.7%
Yes. Sales grew 9.7% last year.
Does it make a profit?
8.6%
A little. It keeps 8.6% of every sale as profit.
Does profit turn into cash?
8.7%
Partly. 8.7% of sales ends up as free cash.
Is debt under control?
0.3x
Yes. It could repay its debt with 0.3 years of operating profit.
How healthy are the accounts?
6 / 9
Mixed. It passes 6 of 9 health tests.
How is the share priced?
14.4x
One share costs 14.4 times its yearly profit per share.
What Ezcorp Inc does
No business description yet.
- Fiscal year ends
- September 30, 2025
- Latest annual report
- 10-K · Nov 13, 2025
- Legal name
- EZCORP INC
- CIK
- 0000876523
Ezcorp Inc · EZPW
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $730M | $886M | $1.0B | $1.2B | $1.3B |
| Revenue growth | −11.3% | 21.5% | 18.4% | 10.7% | 9.7% |
| Gross margin | 61.6% | 59.6% | 58.1% | 58.7% | 58.5% |
| Operating margin | 4.3% | 8.5% | 8.8% | 9.7% | 11.7% |
| Net income | $8.6M | $50.2M | $38.5M | $83.1M | $110M |
| Net margin | 1.2% | 5.7% | 3.7% | 7.2% | 8.6% |
| Diluted EPS | $0.15 | $0.70 | $0.53 | $1.10 | $1.42 |
| Cash | |||||
| Cash from operations | $46.4M | $66.5M | $102M | $114M | $149M |
| Capital expenditure | $23.6M | $31.9M | $40.4M | $35.8M | $38.6M |
| Free cash flow | $22.8M | $34.6M | $61.4M | $77.8M | $110M |
| FCF margin | 3.1% | 3.9% | 5.9% | 6.7% | 8.7% |
| Share buybacks | $0.0M | $2.0M | $17.0M | $12.0M | $7.0M |
| Share count change | 1.1% | 47.3% | −1.9% | 4.4% | −1.3% |
| Debt and strength | |||||
| Cash and short-term investments | $254M | $206M | $221M | $171M | $470M |
| Debt incl. finance leases | $311M | $313M | $362M | $329M | $519M |
| Shareholders' equity | $672M | $692M | $746M | $805M | $1.0B |
| Net debt / EBITDA | 0.9x | 1.0x | 1.1x | 1.1x | 0.3x |
| Current ratio | 3.9x | 4.2x | 3.7x | 2.7x | 5.6x |
| Interest coverage | 1.4x | 7.5x | 5.6x | 8.3x | 6.5x |
| Returns and quality | |||||
| Return on capital | 2.8% | 6.9% | 7.8% | 8.4% | 10.4% |
| Return on equity | 1.3% | 7.4% | 5.3% | 10.7% | 12.0% |
| Return on tangible equity | 2.7% | 14.4% | 10.0% | 18.9% | 17.1% |
| Piotroski F-score | 5 | 7 | 5 | 7 | 6 |
| Altman Z'' | 4.6 | 4.8 | 4.8 | 4.9 | 5.8 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$5.5M
7 insiders
Of sales under plans
31%
$1.7M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Ezcorp Inc · EZPW
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $28.70 a share, the company is worth $2.4B: 14.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000876523). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.