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EZPW Financials Ezcorp Inc

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 9.1% per year over the past 5 years.
  • Operating margin has expanded, at 11.7% in the latest year.
  • Free cash flow has grown 40.0% per year over the past 5 years.

Financial health

  • Total debt ($518M) exceeds cash ($470M); net debt is $49M.
  • Total debt has grown faster than revenue (15.6% vs 9.1% per year).
  • Operating income covered interest expense 6.5× in the latest year.
  • Total debt is 2.9× EBITDA.
Revenue & net income
-$89M $593M $1B $0 2011 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
-8% 27% 62% 0% 2011 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Free cash flow (CFO − capex)
$0 $60M $119M 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $259M $518M 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$215M $30M $274M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $1.3B $110M 58.5% 11.7% $110M $518M $470M
2024 $1.2B $83M 58.7% 9.7% $78M $327M $171M
2023 $1.0B $38M 58.1% 8.8% $61M $360M $221M
2022 $886M $50M 59.6% 8.5% $35M $313M $206M
2021 $730M $9M 61.6% 4.3% $23M $311M $254M
2020 $823M -$68M 54.6% -5.9% $21M $251M $305M
2019 $847M $3M 58.4% 5.5% $65M $239M $158M
2018 $812M $37M 59.3% 8.3% $49M $417M $285M
2017 $748M $31M 58.2% 7.1% $26M $285M $164M
2016 -$81M $55M $284M $66M
2015 -$89M $56M $198M $59M
2014 -$68M $52M $428M $55M
2013 $22M $74M $246M $29M
2012 $137M $93M $222M $40M
2011 $122M $119M $18M $24M

Valuation over time

How the market has priced EZPW against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 9.7 19.5 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 0.8 1.6 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S

Frequently asked questions

Is EZPW growing its revenue and profit?

Over the past 5 years, Ezcorp Inc's revenue has grown 9.1% per year. These are computed facts, not advice.

How much debt does EZPW have?

As of FY2025, Ezcorp Inc reported $518M of total debt against $470M of cash; operating income covered interest expense 6.5×.

What is EZPW's profit margin?

In FY2025, gross margin was 58.5%, operating margin 11.7%, and net margin 8.6%.

What is EZPW's P/E ratio?

As of Jun '26, Ezcorp Inc traded at a price-to-earnings ratio of about 18.7× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.