EZCORP INC financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
EZPW on Nasdaq
Location
Rollingwood, TX
Fiscal year end
30 September
Latest financial report
04 Feb 2026

Latest SEC snapshot (2025-12-31) highlights Return On Equity 13.0%, Return On Assets 7.0%, and Operating Margin 12.6%.

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

48.6/100

Caution Confidence medium

Return On Equity

13%

Metric score 29.3/100

Return On Assets

7%

Metric score 63.1/100

Financial Health

Current Ratio
6.03x
Quick Ratio
4.69x

Strengths

NetIncomeLoss YoY

Watchpoints

Return On Equity, Operating Margin, and Current Ratio

Key metrics snapshot

Return On Equity

13%

YoY: +21%

Industry median: 11% (n=24)

View history

Return On Assets

7%

YoY: +23%

Industry median: -8.1% (n=26)

View history

Operating Margin

13%

YoY: +26%

Industry median: -5.6% (n=22)

View history

Current Ratio

6.03x

YoY: +107%

Industry median: 0.83x (n=24)

View history

Quick Ratio

4.69x

YoY: +121%

Industry median: 0.57x (n=21)

View history

NetIncomeLoss YoY

44%

YoY:

Industry median: 3.4% (n=25)

View history

Profitability

Metric Latest value YoY change
Return On Equity 13% +21%
Return On Assets 7% +23%
Operating Margin 13% +26%

Financial Health

Metric Latest value YoY change
Current Ratio 6.03x +107%
Quick Ratio 4.69x +121%

Growth

Metric Latest value YoY change
NetIncomeLoss YoY 44%

Share Metrics

Metric Latest value YoY change
Weighted Average Number of Shares Outstanding, Basic 61,243,000 +12%
Weighted Average Number of Shares Outstanding, Diluted 83,282,000 -0.08%

Additional Metrics

Metric Latest value YoY change
Revenue from Contract with Customer, Excluding Assessed Tax $1,336,129,000 +13%
General and Administrative Expense $86,059,000 +3.4%
Operating Income (Loss) $167,836,000 +43%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $164,560,000 +38%
Income Tax Expense (Benefit) $41,659,000 +24%
Earnings Per Share, Basic 2.06 +32%
Earnings Per Share, Diluted 1.57 +38%
Cash and Cash Equivalents, at Carrying Value $465,911,000 +167%
Inventory, Net $253,446,000 +27%
Assets, Current $1,145,379,000 +55%
Deferred Income Tax Assets, Net $29,548,000 +18%
Property, Plant and Equipment, Net $74,871,000 +18%
Operating Lease, Right-of-Use Asset $237,637,000 +4.3%
Intangible Assets, Net (Excluding Goodwill) $59,581,000 +4.4%
Goodwill $331,083,000 +8.7%
Other Assets, Noncurrent $16,922,000 +6.6%
Assets $1,987,480,000 +33%
Accounts Payable, Current $16,920,000 +14%
Contract with Customer, Liability, Current $33,064,000 +37%
Liabilities, Current $190,049,000 -25%
Deferred Income Tax Liabilities, Net $2,571,000 +18%
Operating Lease, Liability, Noncurrent $185,507,000 +1.8%
Other Liabilities, Noncurrent $20,099,000 +63%
Liabilities $916,781,000 +36%
Accumulated Other Comprehensive Income (Loss), Net of Tax $34,844,000 +41%
Retained Earnings (Accumulated Deficit) $656,991,000 +22%
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest $1,070,699,000 +30%
Liabilities and Equity $1,987,480,000 +33%
Deferred Income Taxes and Tax Credits $93,000 -81%
Other Noncash Income (Expense) $874,000 +42%
Share-based Payment Arrangement, Noncash Expense $3,397,000 +31%
Net Cash Provided by (Used in) Operating Activities $39,146,000 +51%
Net Cash Provided by (Used in) Financing Activities $6,520,000 +8.2%
Net Cash Provided by (Used in) Investing Activities $30,958,000 -120%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect $1,408,000 -66%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $486,121,000 +164%
Operating Lease, Liability $246,966,000 +2.8%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $146,923,000 +171%
Lessee, Operating Lease, Liability, to be Paid $310,452,000 +4.8%
Property, Plant and Equipment, Gross $316,240,000 +13%
Operating Lease, Liability, Current $61,459,000 +6.1%
Lessee, Operating Lease, Liability, to be Paid, Year Two $53,739,000 -1.9%
Lessee, Operating Lease, Liability, to be Paid, Year One $70,249,000 +2.1%
Operating Lease, Weighted Average Discount Rate, Percent 0.0895 +6.5%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $63,486,000 +13%
Lessee, Operating Lease, Liability, to be Paid, Year Three $39,037,000 -1.5%
Lessee, Operating Lease, Liability, to be Paid, Year Four $26,938,000 +3.3%
Operating Lease, Payments $82,337,000 +3.7%
Additional Paid in Capital $447,935,000 +30%
Depreciation, Depletion and Amortization $8,756,000 +5.1%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%