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EZCORP logo
EZCORP EZPW
$ 28.6 -3.05%
report update icon

Quarterly report 2026-Q3
added 08-05-2026

EZCORP Financial Ratios 2025-2008 | EZPW

Brief overview of EZCORP's valuation multiples

The comparison uses the five latest available annual observations between 2021 and 2025.

Market valuation is represented by P/E 9.15x (median 11.05x), P/B 0.98x (median 0.8x), P/CF 6.73x (median 6.73x). On average, multiples differ from their five-year medians by only 0%. Valuation is near its familiar historical range.

The 1/P/E calculation produces a 10.9% earnings yield. It does not capture future growth or capital structure.

End-period return metrics are ROE 10.7%, ROA 5.6%, ROCE 14.5%. Capital returns look adequate and support overall financial resilience.

PEG is 0.3x. Price is low relative to embedded growth, though the ratio depends heavily on forecast quality.

High leverage is part of the financial-sector model, so valuation should be linked to capital, asset quality and ROE.

Overall picture

EZCORP's valuation and business quality look relatively balanced, with no pronounced distortion in either direction.

Annual Financial Ratios EZCORP

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008

P/E

 9.1 7.9 12.5 11.0 38.6 -3.2 116.7 14.2 17.5 -6.7 -4.1 -12.8 25.3 7.1 11.3 31.9 23.4 -

P/S

 0.8 0.6 0.5 0.6 0.5 0.3 0.4 0.7 0.7 0.7 0.5 0.6 0.9 1.0 1.6 4.1 3.3 -

EPS

 1.9 1.5 0.7 0.9 0.1 -1.2 0.1 0.7 0.6 -1.5 -1.6 -1.2 0.4 2.7 2.5 0.6 0.5 -

EV (Enterprise Value)

 1.46 B 1.17 B 981 M 1 B 674 M 465 M 478 M 772 M 759 M 867 M 822 M 1.06 B 1.26 B 1.31 B 1.45 B 937 M 557 M -27.4 M

EBITDA per Share

 3.16 2.65 2.24 1.89 1.11 -0.32 1.45 1.74 1.43 1.08 0.826 2.48 3.21 4.43 3.84 3.22 2.4 -

EV/EBITDA

 8.0 8.1 7.9 9.4 10.0 5.1 4.7 7.3 8.8 13.0 15.3 6.7 6.2 5.3 7.1 5.9 4.9 -

PEG

 -0.14 -0.09 -0.13 -0.11 -0.36 0.3 -1.25 0.58 0.04 -0.07 0.05 0.05 -0.33 0.46 0.49 - - -

P/B

 1.0 0.8 0.6 0.8 0.5 0.3 0.4 0.7 0.8 0.9 0.5 0.7 0.9 1.1 2.1 1.7 1.2 -

P/CF

 6.7 5.8 4.7 8.3 7.2 4.5 4.6 11.5 16.9 9.9 6.5 8.8 10.8 9.7 12.2 6.8 7.5 -

ROE %

 10.69 10.33 5.16 7.25 1.28 -10.55 0.34 5.24 4.83 -13.59 -12.56 -5.23 3.73 16.17 18.39 5.28 6.18 -

ROA %

 5.62 5.56 2.62 3.72 0.68 -5.72 0.23 3.13 3.11 -8.21 -7.13 -3.26 2.53 11.80 16.15 4.52 5.22 -

ROCE %

 14.55 13.99 12.36 10.82 4.64 -7.45 5.18 7.00 5.67 3.63 1.08 7.64 11.67 18.14 25.18 27.56 24.41 -

Current Ratio

 2.1 2.2 2.0 2.1 2.1 2.2 6.7 2.9 8.0 5.1 2.7 5.4 3.8 4.5 5.5 7.0 - -

DSO

 - 4.8 6.8 3.7 4.1 4.0 107.2 131.0 122.1 130.4 131.7 123.9 109.9 96.4 81.1 45.3 24.0 -

DIO

 - - - - - - 185.6 184.4 180.4 169.3 131.9 136.3 143.4 108.3 98.6 98.5 57.4 -

DPO

 - - - - - - 26.8 11.6 15.3 26.5 43.0 34.2 21.7 15.0 10.9 6.6 - -

Operating Cycle

 - 4.8 6.8 3.7 4.1 4.0 292.8 315.3 302.4 299.7 263.5 260.2 253.3 204.7 179.8 143.8 81.4 -

Cash Conversion Cycle

 - 4.8 6.8 3.7 4.1 4.0 266.0 303.8 287.2 273.2 220.6 226.0 231.5 189.6 168.9 137.2 81.4 -

All numbers in USD currency

Quarterly Financial Ratios EZCORP

2026-Q3 2026-Q2 2026-Q1 2025-Q4 2025-Q3 2025-Q2 2025-Q1 2024-Q4 2024-Q3 2024-Q2 2024-Q1 2023-Q4 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EPS

 0.62 0.8 0.72 0.72 0.45 0.45 0.46 0.57 0.33 0.33 0.39 0.52 0.33 0.33 -0.12 0.3 - 0.22 0.26 0.28 0.03 -0.05 0.1 0.08 -0.42 -0.1 0.08 0.02 -0.01 0.06 0.02 -0.06 -0.02 0.26 -0.07 0.24 0.21 0.1 0.24 0.13 0.06 -0.11 0.13 -0.13 -1.68 -0.17 -0.13 0.22 -1.75 0.07 0.22 0.35 -0.52 -0.11 0.42 0.52 0.75 0.56 0.59 0.78 0.73 0.53 0.78

EBITDA per Share

 1.35 1.4 1.13 1.13 1.02 - - 0.92 0.86 - - 0.83 0.81 - - 0.64 - 0.24 0.43 0.53 - 0.35 0.19 0.3 0.03 0.2 0.3 0.38 1.11 0.41 0.38 0.39 1.25 0.45 0.38 0.47 1.1 0.44 0.47 0.38 0.88 0.4 0.38 0.28 0.87 0.29 0.08 0.47 1.57 0.52 0.58 0.69 0.94 0.77 0.83 0.95 3.4 1.04 1.04 1.19 2.69 0.91 1.18

ROE %

 15.94 15.34 13.63 12.47 12.10 11.66 11.23 10.93 10.84 11.06 11.29 7.65 6.36 5.67 5.41 8.77 6.39 6.62 4.46 3.07 1.31 -2.43 -2.88 -3.04 -3.53 -0.10 1.15 0.67 0.05 -0.06 1.47 0.73 3.07 4.98 3.83 6.30 5.61 4.43 2.68 1.98 -0.34 -14.84 -15.34 -17.64 -15.10 -12.38 -10.45 -8.01 -7.39 0.78 -0.33 0.73 1.69 8.86 12.92 13.89 16.52 17.89 18.47 20.74 5.47 3.99 5.63

ROA %

 8.53 8.17 7.27 6.43 6.27 6.05 5.83 5.87 5.72 5.78 5.85 3.94 3.22 2.89 2.78 4.49 3.29 3.41 2.29 1.56 0.69 -1.38 -1.63 -1.69 -1.95 -0.06 0.69 0.42 0.05 0.00 0.87 0.44 1.92 3.15 2.50 4.06 3.59 2.81 1.72 1.24 -0.16 -8.25 -8.49 -9.85 -8.37 -7.23 -6.14 -4.69 -4.15 0.38 -0.33 0.49 1.15 6.08 8.86 9.51 12.23 14.21 15.38 17.84 4.81 3.51 4.76

ROCE %

 22.09 21.01 18.59 16.95 16.38 15.51 14.64 14.03 13.72 13.75 13.77 14.12 13.33 12.53 13.33 12.97 8.97 9.52 9.16 6.93 3.53 0.30 -0.90 -1.17 -0.73 7.91 9.74 10.20 10.41 11.72 12.17 12.23 13.17 12.71 12.80 13.86 13.27 11.52 10.90 10.31 9.06 7.87 6.46 3.54 4.40 7.93 9.37 12.51 13.58 9.48 11.12 12.34 13.95 29.51 31.61 32.94 36.13 36.08 36.80 39.52 18.26 5.57 7.84

Current Ratio

 2.2 2.2 2.2 2.2 2.1 2.1 1.9 2.2 2.1 2.1 2.1 2.1 2.0 2.0 2.0 2.0 2.1 2.1 2.1 2.0 2.1 2.2 2.1 2.2 2.2 2.2 2.2 2.4 3.2 3.2 2.4 2.4 2.5 2.5 2.5 2.8 2.8 2.8 2.8 2.6 2.5 2.5 2.6 2.5 2.3 2.4 2.4 2.5 2.5 2.5 2.5 3.4 3.4 3.5 3.7 3.5 3.7 3.7 3.6 6.5 8.2 8.2 6.5

DSO

 - - - - - - - 4.4 10.0 10.5 10.8 9.7 10.7 10.3 8.9 5.4 - 3.3 3.1 3.2 3.9 4.3 4.7 4.2 3.8 3.6 5.6 4.8 4.6 5.2 5.4 7.0 8.4 8.8 7.8 7.7 9.1 6.8 2.5 - - - - - - - - - 8.9 9.3 - - 12.8 23.9 21.0 21.8 22.0 24.3 15.8 12.9 13.2 13.6 -

DIO

 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 144.6 114.2 103.8 37.6 125.9 -

DPO

 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 5.4 2.1 - -

Operating Cycle

 - - - - - - - - - 10.5 10.8 9.7 - 10.3 8.9 5.4 - 3.3 3.1 3.2 3.9 4.3 4.7 4.2 3.8 3.6 5.6 4.8 4.6 5.2 5.4 7.0 8.4 8.8 7.8 7.7 9.1 6.8 2.5 - - - - - - - - - 8.9 9.3 - - 12.8 23.9 21.0 21.8 22.0 168.9 130.0 116.8 50.8 139.4 -

Cash Conversion Cycle

 - - - - - - - - - 10.5 10.8 9.7 - 10.3 8.9 5.4 - 3.3 3.1 3.2 3.9 4.3 4.7 4.2 3.8 3.6 5.6 4.8 4.6 5.2 5.4 7.0 8.4 8.8 7.8 7.7 9.1 6.8 2.5 - - - - - - - - - 8.9 9.3 - - 12.8 23.9 21.0 21.8 22.0 168.9 130.0 111.4 48.8 139.4 -

All numbers in USD currency

Multiples are an important financial analysis tool for the company EZCORP, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

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