EZCORP, Inc. (EZPW) Key Metrics
EZPW valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $2.03B
- Enterprise value
- $2.35B
- P/E (TTM)
- 16.6 10-yr median 16.5
- Forward P/E
- 13.7
- PEG ratio
- 0.28
- Price / sales
- 1.3 10-yr median 0.7
- Price / book
- 1.6 10-yr median 0.9
- EV / EBITDA
- 8.3 10-yr median 8.6
- Dividend yield
- —
- Beta
- 0.71
EZPW key metrics, FY2016–FY2025
Fiscal year ended September 30, 2025 · U.S. dollarsEZPW valuation Price multiples at each fiscal year-end price.
EZPW returns How much profit the business earns on the capital it uses.
EZPW per-share figures Results divided by the shares outstanding at year-end.
EZPW financial health Debt, liquidity and how easily interest is covered.
EZPW efficiency & capital use Working capital cycle and where the cash goes.
EZPW valuation history
EZPW returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
EZPW debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
EZPW cash returned to shareholders
EZPW price vs earnings per share
EZPW key metrics
FY2016–FY2025| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $1.59B | $946.7M | $667.1M | $635.3M | $423.5M | $278.2M | $361.4M | $619.5M | $516.5M | $602.0M |
| Enterprise value | $1.88B | $1.34B | $1.06B | $975.3M | $647.6M | $427.7M | $442.4M | $751.1M | $676.6M | $879.3M |
| P/E ratio | 14.5 | 11.4 | 17.3 | 12.7 | 49.2 | — | 142.2 | 16.6 | 16.4 | — |
| Price / sales | 1.2 | 0.8 | 0.6 | 0.7 | 0.6 | 0.3 | 0.4 | 0.8 | 0.7 | 0.8 |
| Price / book | 1.5 | 1.2 | 0.9 | 0.9 | 0.6 | 0.4 | 0.5 | 0.8 | 0.8 | 1.0 |
| Price / free cash flow | 14.4 | 12.2 | 10.9 | 18.3 | 18.5 | 13.5 | 5.6 | 12.8 | 20.1 | 11.0 |
| Price / operating cash flow | 10.7 | 8.3 | 6.6 | 9.5 | 9.1 | 5.7 | 3.5 | 7.0 | 10.2 | 8.8 |
| EV / sales | 1.5 | 1.2 | 1.0 | 1.1 | 0.9 | 0.5 | 0.5 | 0.9 | 0.9 | 1.2 |
| EV / EBITDA | 9.3 | 8.3 | 10.5 | 8.9 | 5.5 | 14.8 | 6.7 | 6.9 | 7.2 | 19.3 |
| EV / free cash flow | 17.0 | 17.3 | 17.2 | 28.2 | 28.4 | 20.8 | 6.8 | 15.5 | 26.4 | 16.0 |
| Earnings yield | 6.9% | 8.8% | 5.8% | 7.9% | 2.0% | −24.6% | 0.7% | 6.0% | 6.1% | −13.4% |
| Free cash flow yield | 7.0% | 8.2% | 9.2% | 5.5% | 5.4% | 7.4% | 17.9% | 7.8% | 5.0% | 9.1% |
| Dividend yield | 0.2% | 0.4% | 0.5% | 0.5% | — | — | — | 0.0% | 0.2% | 0.4% |
| Shareholder yield (dividends + buybacks) | 0.7% | 1.6% | 3.1% | 0.9% | 0.2% | 1.9% | 0.9% | 0.1% | 0.4% | 2.3% |
| Share price at fiscal year-end | $19.04 | $11.21 | $8.25 | $7.71 | $7.57 | $5.03 | $6.46 | $10.70 | $9.50 | $11.06 |
| Per share | ||||||||||
| Revenue per share | $15.28 | $13.76 | $12.97 | $10.76 | $13.04 | $14.87 | $15.13 | $14.03 | $13.76 | $13.42 |
| Earnings per share | $1.31 | $0.98 | $0.48 | $0.61 | $0.15 | −$1.24 | $0.05 | $0.64 | $0.58 | −$1.48 |
| Operating cash flow per share | $1.79 | $1.35 | $1.26 | $0.81 | $0.83 | $0.89 | $1.85 | $1.54 | $0.93 | $1.25 |
| Free cash flow per share | $1.32 | $0.92 | $0.76 | $0.42 | $0.41 | $0.37 | $1.16 | $0.84 | $0.47 | $1.01 |
| Cash per share | $5.63 | $2.02 | $2.73 | $2.50 | $4.53 | $5.51 | $2.81 | $4.93 | $3.02 | $1.21 |
| Book value per share | $12.30 | $9.53 | $9.22 | $8.40 | $12.02 | $11.74 | $13.31 | $12.83 | $12.14 | $10.92 |
| Tangible book value per share | $7.70 | $5.21 | $4.76 | $4.23 | $5.80 | $6.02 | $6.72 | $6.71 | $6.86 | $5.69 |
| Dividends per share | $0.04 | $0.04 | $0.04 | $0.04 | — | — | — | $0.00 | $0.02 | $0.04 |
| Capex per share | $0.46 | $0.42 | $0.50 | $0.39 | $0.42 | $0.52 | $0.69 | $0.70 | $0.46 | $0.24 |
| Debt per share | $9.16 | $6.71 | $7.55 | $6.63 | $8.54 | $8.21 | $4.26 | $7.20 | $5.97 | $6.30 |
| Shares outstanding | 83.4M | 84.4M | 80.9M | 82.4M | 55.9M | 55.3M | 56.0M | 57.9M | 54.4M | 54.4M |
| Change in shares outstanding | −1.3% | +4.4% | −1.9% | +47.3% | +1.1% | −1.2% | −3.3% | +6.5% | −0.1% | +0.1% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 12.0% | 10.7% | 5.3% | 7.4% | 1.3% | −9.8% | 0.3% | 5.3% | 5.0% | −12.8% |
| Return on invested capital (ROIC) | 8.8% | 6.9% | 6.3% | 5.8% | 2.0% | −4.7% | 2.8% | 5.3% | 4.6% | 1.7% |
| Return on assets (ROA) | 6.4% | 5.6% | 2.7% | 3.8% | 0.7% | −6.0% | 0.2% | 3.3% | 3.1% | −7.4% |
| Return on tangible assets | 7.0% | 7.4% | 3.5% | 5.0% | 0.9% | −7.8% | 0.4% | 4.2% | 4.3% | −11.6% |
| Free cash flow margin | 8.7% | 6.7% | 5.9% | 3.9% | 3.1% | 2.5% | 7.6% | 6.0% | 3.4% | 7.5% |
| Income quality (OCF / net income) | 1.36 | 1.37 | 2.65 | 1.33 | 5.39 | — | 40.74 | 2.39 | 1.61 | — |
| Financial health | ||||||||||
| Total debt | $764.0M | $566.9M | $610.5M | $546.0M | $477.8M | $454.0M | $238.6M | $416.9M | $324.5M | $343.1M |
| Cash & short-term investments | $469.5M | $170.5M | $220.6M | $206.0M | $253.7M | $304.5M | $157.6M | $285.3M | $164.4M | $65.7M |
| Net debt | $294.5M | $396.4M | $389.9M | $340.0M | $224.1M | $149.5M | $81.0M | $131.6M | $160.1M | $277.4M |
| Debt / equity | 0.75 | 0.70 | 0.82 | 0.79 | 0.71 | 0.70 | 0.32 | 0.56 | 0.49 | 0.58 |
| Debt / assets | 0.39 | 0.38 | 0.42 | 0.41 | 0.38 | 0.38 | 0.22 | 0.34 | 0.32 | 0.35 |
| Net debt / EBITDA | 1.46 | 2.44 | 3.89 | 3.10 | 1.91 | 5.18 | 1.24 | 1.21 | 1.70 | 6.10 |
| Current ratio | 5.61 | 2.71 | 3.75 | 4.21 | 3.94 | 4.48 | 6.65 | 2.88 | 8.00 | 5.08 |
| Quick ratio | 4.37 | 1.99 | 2.88 | 3.22 | 3.22 | 3.75 | 4.68 | 2.24 | 5.88 | 3.60 |
| Interest coverage | 6.5 | 8.3 | 5.6 | 7.5 | 1.4 | -2.2 | 1.4 | 2.4 | 1.9 | 1.8 |
| Working capital | $925.4M | $459.6M | $527.7M | $491.3M | $455.8M | $460.8M | $514.7M | $489.4M | $508.4M | $387.2M |
| Invested capital | $1.32B | $1.20B | $1.14B | $1.03B | $896.4M | $798.6M | $826.0M | $874.3M | $820.0M | $871.6M |
| Tangible asset value | $641.8M | $439.6M | $385.2M | $348.6M | $324.4M | $332.9M | $376.4M | $385.2M | $372.7M | $309.5M |
| Net current asset value | $200.2M | $40.3M | −$2.2M | −$11.5M | $16.2M | $45.4M | $267.0M | $247.0M | $216.5M | $93.1M |
| Graham number | $19.07 | $14.52 | $9.93 | $10.73 | $6.45 | — | $3.69 | $13.63 | $12.56 | — |
| Graham net-net per share | −$0.40 | −$1.86 | −$2.20 | −$2.08 | −$2.01 | −$1.17 | $1.84 | $1.38 | $0.96 | −$1.31 |
| Capital allocation | ||||||||||
| Dividends paid | $3.6M | $3.5M | $3.6M | $3.4M | — | — | — | $0 | $1.2M | $2.2M |
| Share buybacks (net) | $7.0M | $12.0M | $17.0M | $2.0M | $839,000 | $5.2M | $3.3M | $311,000 | $767,000 | $11.8M |
| Dividend payout ratio | 3.3% | 4.3% | 9.3% | 6.7% | — | — | — | 0.0% | 3.7% | — |
| Dividends + buybacks / free cash flow | 9.6% | 20.0% | 33.5% | 15.6% | 3.7% | 25.1% | 5.1% | 0.6% | 7.5% | 25.4% |
| Capex / revenue | 3.0% | 3.1% | 3.9% | 3.6% | 3.2% | 3.5% | 4.6% | 5.0% | 3.3% | 1.8% |
| Capex / operating cash flow | 25.9% | 31.5% | 39.7% | 47.9% | 50.8% | 58.1% | 37.5% | 45.5% | 49.3% | 19.5% |
| Capex / depreciation | 1.19 | 1.08 | 0.45 | 0.38 | 0.30 | 0.37 | 1.35 | 1.59 | 1.06 | 0.46 |
| Stock-based compensation / revenue | 1.0% | 0.9% | 0.9% | 0.6% | 0.5% | −0.6% | 1.2% | 1.3% | 0.8% | 0.7% |
| SG&A / revenue | 6.6% | 6.5% | 46.3% | 7.3% | 7.7% | 6.6% | 7.5% | 6.6% | 7.4% | 9.6% |
| Efficiency | ||||||||||
| Days sales outstanding | 107.7 | 105.9 | 102.6 | 103.1 | 101.3 | 96.1 | 117.2 | 116.5 | 116.2 | 122.0 |
| Days of inventory on hand | 152.2 | 136.5 | 132.2 | 133.8 | 134.8 | 134.5 | 179.2 | 177.4 | 172.1 | 159.6 |
| Days payables outstanding | 15.1 | 16.7 | 19.6 | 23.7 | 27.1 | 22.0 | 18.9 | 39.8 | 85.2 | 72.7 |
| Cash conversion cycle (days) | 244.7 | 225.7 | 215.3 | 213.2 | 209.0 | 208.6 | 277.5 | 254.1 | 203.1 | 208.9 |
| Receivables turnover | 3.39 | 3.45 | 3.56 | 3.54 | 3.60 | 3.80 | 3.11 | 3.13 | 3.14 | 2.99 |
| Payables turnover | 24.13 | 21.85 | 18.66 | 15.40 | 13.47 | 16.58 | 19.36 | 9.18 | 4.29 | 5.02 |
| Inventory turnover | 2.40 | 2.67 | 2.76 | 2.73 | 2.71 | 2.71 | 2.04 | 2.06 | 2.12 | 2.29 |
| Asset turnover | 0.74 | 0.78 | 0.75 | 0.68 | 0.59 | 0.72 | 0.73 | 0.72 | 0.75 | 0.67 |
| Average receivables | $376.0M | $337.0M | $295.0M | $250.4M | $202.5M | $216.7M | $272.0M | $259.1M | $238.1M | $244.2M |
| Average payables | $21.9M | $21.9M | $23.5M | $23.3M | $20.8M | $22.5M | $18.2M | $36.0M | $72.9M | $60.2M |
| Average inventory | $220.2M | $179.2M | $159.0M | $131.3M | $103.4M | $137.6M | $173.2M | $160.7M | $147.3M | $132.2M |
| Intangibles / total assets | 19.7% | 24.4% | 24.6% | 25.5% | 27.5% | 26.4% | 34.0% | 28.5% | 28.0% | 29.0% |
Computed from EZPW's annual financial statements (latest annual report filed November 13, 2025) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
EZPW valuation and financial ratios
At the end of fiscal 2025 (September 30, 2025), EZCORP traded at 14.5 times earnings, against a 10-year median of 16.5. Based on the latest twelve months, the trailing P/E is 16.6 and the forward P/E is 13.7. EZCORP earned a return on equity of 12.0% and a return on invested capital of 8.8% in fiscal 2025. It ended the year with $764.0 million of debt and $469.5 million in cash and short-term investments, net debt of $294.5 million. It returned $10.6 million to shareholders: $3.6 million in dividends and $7.0 million in share buybacks, 10% of free cash flow. The share count rose 53.2% from 54.4M to 83.4M over 9 years.
See the EZPW income statement, the EZPW chart for price history, or the EZPW stock overview for the latest quote and news.
EZPW key metrics FAQ
What is EZCORP's P/E ratio?
EZCORP's trailing P/E ratio is 16.6 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 13.7. At the end of fiscal 2025 it was 14.5, compared with a 10-year median of 16.5.
What is EZCORP's EV/EBITDA?
EZCORP's enterprise value was 9.3 times EBITDA at the end of fiscal 2025 (enterprise value $1.9 billion, EBITDA $202.3 million); the current EV/EBITDA is 8.3.
What is EZCORP's return on equity?
EZCORP's return on equity (ROE) was 12.0% in fiscal 2025: net income of $109.6 million on average shareholders' equity of $915.0 million.
What is EZCORP's ROIC?
EZCORP's return on invested capital was 8.8% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does EZCORP have?
EZCORP had total debt of $764.0 million at the end of fiscal 2025, a debt-to-equity ratio of 0.75 and $294.5 million of net debt (1.46 times EBITDA).
What is EZCORP's dividend yield?
EZCORP paid $3.6 million in dividends in fiscal 2025 ($0.04 per share), a payout ratio of 3.3%.
Does EZCORP buy back its shares?
Yes. EZCORP spent $7.0 million on net share repurchases in fiscal 2025 Shares outstanding changed −1.3% over the year, to 83.4M..
What is EZCORP's free cash flow yield?
EZCORP generated $110.4 million of free cash flow in fiscal 2025, a free cash flow yield of 7.0% on its market value at year-end ($1.6 billion).
What is EZCORP's current ratio?
EZCORP's current ratio was 5.61 at the end of fiscal 2025: current assets were 5.61 times current liabilities.