Search EZPW
EZCORP INC
Nasdaq · CIK 876523
Last close30.2
Daily change+0.14 (0.47%)
10 Years gain+171.10%
Dividends TTM0
Dividend yield0.00%
Fundamental Analysis
EZPW · STANDARD
SIC 5900 · Retail-Miscellaneous Retail · Fiscal year end 0930
Fundamental
73.0Momentum
67.7Acceleration
70.8Confidence
100.0Annual Revenue17
Quarterly Revenue75
Annual CFO17
Balance SheetAvailable
RankingEligible
Score Breakdown
Growth20.3 / 25
Quality16.1 / 25
Capital Efficiency15.5 / 20
Balance Sheet7.8 / 15
Shareholder Economics8.3 / 10
Forward Indicators5.0 / 5
Signals
Gross margin expansionGross margin improved by 0.0704 percentage points.
Operating leverageOperating margin improved by 3.5421 percentage points.
FCF growthFree cash flow grew 45.6944%.
ROIC expansionROIC improved by 5.0999 percentage points.
Strong operating leverageOperating income is growing faster than revenue while operating margin expands.
Warnings
Inventory anomaly · MEDIUMInventory growth is materially above revenue growth.
Key Metrics
Revenue Growth TTM30.59%OK
Revenue CAGR 3Y12.87%OK
Gross Margin58.57%OK
Operating Margin14.07%OK
FCF Margin8.23%OK
FCF Growth45.69%OK
ROIC14.09%OK
Incremental Operating Margin 3Y22.69%OK
Net Debt / CFO1.26xOK
Diluted Share Growth 1Y0.26%OK
SBC / Revenue1.08%OK
SBC / FCF13.14%OK
Financial History
| Period | Revenue | Gross Profit | Operating Income | CFO | FCF | Gross Margin | Op Margin | FCF Margin | ROIC | Shares |
|---|---|---|---|---|---|---|---|---|---|---|
| 2025 FY Sep 30, 2025 | $1.27B | $746.07M | $149.17M | $148.99M | $110.42M | 58.55% | 11.71% | 8.67% | 10.95% | 83.38M |
| 2025 FY Sep 30, 2024 | $1.16B | $682.27M | $112.53M | $113.60M | $77.84M | 58.74% | 9.69% | 6.7% | 8.76% | 84.45M |
| 2025 FY Sep 30, 2023 | $1.05B | $609.84M | $92.15M | $101.83M | $61.39M | 58.13% | 8.78% | 5.85% | 8.15% | 80.87M |
| 2024 FY Sep 30, 2022 | $886.23M | $528.15M | $74.92M | $66.54M | $34.64M | 59.6% | 8.45% | 3.91% | 7.26% | 82.4M |
| 2023 FY Sep 30, 2021 | $729.55M | $449.49M | $31.17M | $46.44M | $22.84M | 61.61% | 4.27% | 3.13% | 3.06% | 55.95M |
Formula Trace
| Metric | Value | Formula | Status | Source |
|---|---|---|---|---|
| Revenue TTM | $1.56B | sum latest 4 fiscal quarters Revenue | OK | 0000876523-26-000063, 0000876523-26-000010 |
| Revenue Growth TTM | 30.59% | Revenue_TTM / Revenue_TTM_1Y_ago - 1 | OK | 0000876523-26-000063, 0000876523-26-000010 |
| Revenue CAGR 3Y | 12.87% | (Revenue_current / Revenue_3Y_ago)^(1/3) - 1 | OK | 0000876523-25-000094 |
| Revenue CAGR 5Y | 9.14% | (Revenue_current / Revenue_5Y_ago)^(1/5) - 1 | OK | 0000876523-25-000094 |
| Gross Profit CAGR 3Y | 12.2% | (GrossProfit_current / GrossProfit_3Y_ago)^(1/3) - 1 | OK | 0000876523-25-000094 |
| Operating Income Growth | 74.53% | OperatingIncome_current / OperatingIncome_prior_year - 1 | OK | 0000876523-26-000063, 0000876523-26-000010 |
| FCF Growth | 45.69% | FCF_current / FCF_prior_year - 1 | OK | 0000876523-26-000063, 0000876523-26-000045 |
| Revenue Growth Acceleration | n/a | 0.5*(Q0-Q1)+0.3*(Q1-Q2)+0.2*(Q2-Q3) | INSUFFICIENT_HISTORY | derived |
| Gross Profit Acceleration | n/a | 0.5*(Q0-Q1)+0.3*(Q1-Q2)+0.2*(Q2-Q3) | INSUFFICIENT_HISTORY | derived |
| Operating Income Acceleration | n/a | 0.5*(Q0-Q1)+0.3*(Q1-Q2)+0.2*(Q2-Q3) | INSUFFICIENT_HISTORY | derived |
| FCF Acceleration | n/a | 0.5*(Q0-Q1)+0.3*(Q1-Q2)+0.2*(Q2-Q3) | INSUFFICIENT_HISTORY | derived |
| Gross Margin | 58.57% | Gross Profit / Revenue | OK | 0000876523-26-000063, 0000876523-26-000010 |
| Operating Margin | 14.07% | Operating Income / Revenue | OK | 0000876523-26-000063, 0000876523-26-000010 |
| FCF Margin | 8.23% | (CFO - CapEx) / Revenue | OK | 0000876523-26-000063, 0000876523-26-000045 |
| CFO / Net Income | 1.04x | CFO / Net Income | OK | 0000876523-26-000063, 0000876523-26-000045 |
| FCF / Net Income | 0.81x | FCF / Net Income | OK | 0000876523-26-000063, 0000876523-26-000045 |
| ROIC | 14.09% | NOPAT / Average Invested Capital | OK | 0000876523-26-000063, 0000876523-26-000010 |
| Net Debt / CFO | 1.26x | Net Debt / CFO | OK | 0000876523-26-000063, 0000876523-26-000045 |