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EZCORP (EZPW) Ratios
EZCORP Ratios
EZPW's free cash flow for Q3 2026 was $35.00M. For the 2026 fiscal year, EZPW's free cash flow was decreased by $-9.90M and operating cash flow was $44.90M. See a summary of the company’s cash flow.
| Ratios | Sep 25 | Sep 24 | Sep 23 | Sep 22 | Sep 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 5.61 | 2.71 | 3.75 | 4.21 | 3.94 |
| Quick Ratio | 4.37 | 1.99 | 2.88 | 3.22 | 3.22 |
| Cash Ratio | 2.34 | 0.63 | 1.15 | 1.35 | 1.64 |
| Solvency Ratio | 0.15 | 0.17 | 0.10 | 0.13 | 0.15 |
| Operating Cash Flow Ratio | 0.74 | 0.42 | 0.53 | 0.44 | 0.30 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 1.10 | 2.97 | 0.00 | 0.00 |
| Net Current Asset Value | $ 200.23M | $ 40.33M | $ -2.22M | $ -11.48M | $ 16.19M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.39 | 0.38 | 0.42 | 0.41 | 0.38 |
| Debt-to-Equity Ratio | 0.75 | 0.70 | 0.82 | 0.79 | 0.71 |
| Debt-to-Capital Ratio | 0.43 | 0.41 | 0.45 | 0.44 | 0.42 |
| Long-Term Debt-to-Capital Ratio | 0.34 | 0.22 | 0.30 | 0.31 | 0.28 |
| Financial Leverage Ratio | 1.90 | 1.86 | 1.97 | 1.95 | 1.88 |
| Debt Service Coverage Ratio | 7.17 | 1.11 | 1.72 | 9.25 | 4.96 |
| Interest Coverage Ratio | 6.48 | 8.28 | 5.60 | 7.51 | 1.41 |
| Debt to Market Cap | 0.47 | 0.53 | 0.79 | 0.72 | 0.63 |
| Interest Debt Per Share | 13.70 | 10.57 | 11.28 | 9.84 | 8.97 |
| Net Debt to EBITDA | 1.46 | 2.44 | 3.89 | 3.10 | 1.91 |
| Profitability Margins | |||||
| Gross Profit Margin | 58.55% | 58.74% | 58.13% | 59.60% | 61.61% |
| EBIT Margin | 13.33% | 11.12% | 6.49% | 8.77% | 5.24% |
| EBITDA Margin | 15.88% | 13.97% | 9.55% | 12.39% | 16.09% |
| Operating Profit Margin | 11.71% | 9.69% | 8.78% | 8.45% | 4.27% |
| Pretax Profit Margin | 11.52% | 9.95% | 4.92% | 7.64% | 2.20% |
| Net Profit Margin | 8.60% | 7.15% | 3.67% | 5.66% | 1.18% |
| Continuous Operations Profit Margin | 8.60% | 7.15% | 3.67% | 5.66% | 1.18% |
| Net Income Per EBT | 74.68% | 71.88% | 74.49% | 74.08% | 53.62% |
| EBT Per EBIT | 98.39% | 102.74% | 56.03% | 90.38% | 51.53% |
| Return on Assets (ROA) | 5.62% | 5.56% | 2.62% | 3.72% | 0.68% |
| Return on Equity (ROE) | 10.69% | 10.33% | 5.16% | 7.25% | 1.28% |
| Return on Capital Employed (ROCE) | 8.52% | 9.19% | 7.22% | 6.27% | 2.80% |
| Return on Invested Capital (ROIC) | 6.15% | 5.84% | 5.02% | 4.45% | 1.44% |
| Return on Tangible Assets | 6.99% | 7.36% | 3.47% | 4.99% | 0.94% |
| Earnings Yield | 10.02% | 13.49% | 8.39% | 11.52% | 2.04% |
| Efficiency Ratios | |||||
| Receivables Turnover | 3.20 | 3.28 | 3.28 | 3.28 | 3.16 |
| Payables Turnover | 23.04 | 22.99 | 19.08 | 14.89 | 12.47 |
| Inventory Turnover | 2.13 | 2.50 | 2.64 | 2.36 | 2.52 |
| Fixed Asset Turnover | 4.09 | 3.97 | 3.47 | 3.19 | 2.86 |
| Asset Turnover | 0.65 | 0.78 | 0.71 | 0.66 | 0.58 |
| Working Capital Turnover Ratio | 1.84 | 2.35 | 2.06 | 1.87 | 1.59 |
| Cash Conversion Cycle | 269.85 | 241.48 | 230.62 | 241.16 | 230.88 |
| Days of Sales Outstanding | 114.01 | 111.21 | 111.40 | 111.14 | 115.50 |
| Days of Inventory Outstanding | 171.69 | 146.15 | 138.35 | 154.55 | 144.65 |
| Days of Payables Outstanding | 15.84 | 15.88 | 19.13 | 24.52 | 29.27 |
| Operating Cycle | 285.69 | 257.35 | 249.75 | 265.68 | 260.15 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 2.59 | 2.07 | 1.83 | 1.18 | 0.83 |
| Free Cash Flow Per Share | 1.92 | 1.42 | 1.10 | 0.61 | 0.41 |
| Dividend Paid and CapEx Coverage Ratio | 3.86 | 3.18 | 2.52 | 2.09 | 1.97 |
| Capital Expenditure Coverage Ratio | 3.86 | 3.18 | 2.52 | 2.09 | 1.97 |
| Operating Cash Flow Coverage Ratio | 0.19 | 0.20 | 0.17 | 0.12 | 0.10 |
| Operating Cash Flow to Sales Ratio | 0.12 | 0.10 | 0.10 | 0.08 | 0.06 |
| Free Cash Flow Yield | 10.09% | 12.64% | 13.39% | 7.95% | 5.41% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.97 | 7.41 | 11.92 | 8.68 | 49.00 |
| Price-to-Sales (P/S) Ratio | 0.86 | 0.53 | 0.44 | 0.49 | 0.58 |
| Price-to-Book (P/B) Ratio | 1.07 | 0.77 | 0.61 | 0.63 | 0.63 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 9.91 | 7.91 | 7.47 | 12.58 | 18.48 |
| Price-to-Operating Cash Flow Ratio | 7.34 | 5.42 | 4.50 | 6.55 | 9.09 |
| Price-to-Earnings Growth (PEG) Ratio | 0.77 | 0.06 | -0.88 | 0.02 | -0.44 |
| Enterprise Value Multiple | 6.86 | 6.24 | 8.47 | 7.06 | 5.50 |
| Enterprise Value | 1.39B | 1.01B | 848.47M | 775.56M | 646.09M |
| EV to EBITDA | 6.86 | 6.24 | 8.47 | 7.06 | 5.50 |
| EV to Sales | 1.09 | 0.87 | 0.81 | 0.88 | 0.89 |
| EV to Free Cash Flow | 12.58 | 13.00 | 13.82 | 22.39 | 28.29 |
| EV to Operating Cash Flow | 9.32 | 8.91 | 8.33 | 11.66 | 13.91 |
| Tangible Book Value Per Share | 11.17 | 8.00 | 6.93 | 6.17 | 5.82 |
| Shareholders’ Equity Per Share | 17.85 | 14.65 | 13.42 | 12.25 | 12.06 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.25 | 0.28 | 0.26 | 0.26 | 0.46 |
| Revenue Per Share | 22.17 | 21.15 | 18.87 | 15.69 | 13.09 |
| Net Income Per Share | 1.91 | 1.51 | 0.69 | 0.89 | 0.15 |
| Tax Burden | 0.75 | 0.72 | 0.74 | 0.74 | 0.54 |
| Interest Burden | 0.86 | 0.89 | 0.76 | 0.87 | 0.42 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.07 | 0.07 | 0.06 | 0.07 | 0.08 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.36 | 1.37 | 2.65 | 1.33 | 5.39 |
Currency in USD
