← EZCORP INC EZPW
Market Price
$29.50
Market Cap
$1.76B
P/E Ratio
20.77
Revenue (FY 2025)
↑9.7% YoY
$1.27B
3-Yr CAGR: 12.9%
Net Income
↑31.9% YoY
$109.61M
Net Margin: 8.6%
Free Cash Flow
↑41.9% YoY
$110.42M
FCF Yield: 6.27%
EPS (Diluted)
↑29.1% YoY
$1.42
Basic: $1.91
Return on Equity
Efficiency
14.7%
ROA: 214.0%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (EZPW)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $730.5M | — | $428.2M | $-80.7M | — | $-1.49 | — | $64.4M | $64.4M | — |
| FY 2017 | $748.0M | +2.4% | $435.5M | $31.9M | +139.5% | $0.59 | +139.6% | $51.8M | $51.8M | -19.5% |
| FY 2018 | $813.5M | +8.8% | $482.9M | $39.1M | +22.6% | $0.68 | +15.3% | $88.7M | $88.7M | +71.2% |
| FY 2019 | $847.2M | +4.1% | $494.4M | $2.5M | -93.5% | $0.04 | -94.1% | $103.5M | $103.5M | +16.7% |
| FY 2020 | $822.8M | -2.9% | $449.2M | $-68.5M | -2,794.3% | $-1.24 | -3,200.0% | $49.1M | $49.1M | -52.6% |
| FY 2021 | $729.6M | -11.3% | $449.5M | $8.6M | +112.6% | $0.15 | +112.1% | $46.4M | $46.4M | -5.4% |
| FY 2022 | $886.2M | +21.5% | $528.1M | $50.2M | +482.4% | $0.70 | +366.7% | $66.5M | $34.6M | -25.4% |
| FY 2023 | $1,049.0M | +18.4% | $609.8M | $38.5M | -23.3% | $0.53 | -24.3% | $101.8M | $61.4M | +77.2% |
| FY 2024 | $1,161.6M | +10.7% | $682.3M | $83.1M | +116.0% | $1.10 | +107.5% | $113.6M | $77.8M | +26.8% |
| FY 2025 | $1,274.3M | +9.7% | $746.1M | $109.6M | +31.9% | $1.42 | +29.1% | $149.0M | $110.4M | +41.9% |
Valuation
Market Price
$29.50
Market Cap
$1.76B
Enterprise Value
$1.81B
P/E Ratio
20.77
P/B Ratio
2.44
FCF Yield
6.27%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
58.55%
Operating Margin
11.71%
Net Margin
8.60%
Return on Equity (ROE)
14.71%
Return on Assets (ROA)
214.00%
Asset Turnover
24.88x
Revenue 3-Yr CAGR
12.87%
Financial Health & Liquidity
Current Ratio
0.26
Cash Ratio
2.34
Debt / Equity
0.695
Debt / Assets
10.115
Cash & Equivalents
$469.52M
Total Debt
$518.08M
Book Value / Share
$12.11
Cash Flow Efficiency
Operating Cash Flow
$148.99M
Capital Expenditures (CapEx)
$38.56M
Free Cash Flow
$110.42M
OCF / Revenue
11.69%
FCF / Revenue
8.67%
FCF 3-Yr CAGR
47.17%
Per Share Metrics
EPS (Diluted)
$1.42
EPS (Basic)
$1.91
Dividends / Share
N/A
Book Value / Share
$12.11
EPS YoY Growth
29.09%
Balance Sheet (FY 2025)
Total Assets
$51.22M
Total Liabilities
$200.57M
Stockholders' Equity
$744.95M
Current Assets
$51.22M
Current Liabilities
$200.57M