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
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Return on equity & assets (ROE / ROA)
ROEROA
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
2025
$1.3B
$110M
58.5%
11.7%
10.7%
5.6%
$110M
$518M
$470M
2024
$1.2B
$83M
58.7%
9.7%
—
5.6%
$78M
$327M
$171M
2023
$1.0B
$38M
58.1%
8.8%
5.2%
2.6%
$61M
$360M
$221M
2022
$886M
$50M
59.6%
8.5%
7.2%
3.7%
$35M
$313M
$206M
2021
$730M
$9M
61.6%
4.3%
—
0.7%
$23M
$311M
$254M
2020
$823M
-$68M
54.6%
-5.9%
—
-5.7%
$21M
$251M
$305M
2019
$847M
$3M
58.4%
5.5%
0.3%
0.2%
$65M
$239M
$158M
2018
$812M
$37M
59.3%
8.3%
5.0%
3.0%
$49M
$417M
$285M
2017
$748M
$31M
58.2%
7.1%
4.7%
3.1%
$26M
$285M
$164M
2016
—
-$81M
—
—
-13.6%
-8.2%
$55M
$284M
$66M
2015
—
-$89M
—
—
-13.6%
-7.5%
$56M
$198M
$59M
2014
—
-$68M
—
—
-8.3%
-4.8%
$52M
$428M
$55M
2013
—
$22M
—
—
2.5%
1.7%
$74M
$246M
$29M
2012
—
$137M
—
—
16.5%
11.3%
$93M
$222M
$40M
2011
—
$122M
—
—
18.4%
16.1%
$119M
$18M
$24M
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Return on equity & assets (ROE / ROA)
ROEROA
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
Mar '26
$447M
$49M
58.2%
15.2%
4.4%
2.3%
$38M
$519M
$354M
Dec '25
$382M
$44M
58.4%
15.9%
—
2.2%
$32M
$519M
$466M
Sep '25
$337M
$27M
59.0%
11.0%
2.6%
1.4%
$36M
$518M
$470M
Jun '25
$311M
$27M
59.1%
11.6%
—
1.4%
$26M
$518M
$472M
Mar '25
$306M
$25M
58.3%
11.2%
3.0%
1.4%
$29M
$621M
$505M
Dec '24
$320M
$31M
57.9%
13.1%
—
2.1%
$20M
$328M
$175M
Sep '24
$295M
$15M
59.5%
8.8%
—
1.0%
$24M
$327M
$171M
Jun '24
$281M
$18M
59.2%
7.9%
2.2%
1.2%
$31M
$361M
$218M
Mar '24
$286M
$21M
58.7%
9.6%
2.7%
1.4%
$9M
$361M
$229M
Dec '23
$300M
$28M
57.5%
12.4%
3.7%
1.9%
$14M
$361M
$219M
Sep '23
$270M
$10M
58.9%
6.1%
1.4%
0.7%
$15M
$360M
$221M
Jun '23
$256M
$18M
58.2%
8.1%
2.5%
1.3%
$18M
$360M
$238M
Mar '23
$258M
-$7M
57.7%
10.3%
-1.0%
-0.5%
$24M
$359M
$243M
Dec '22
$264M
$17M
57.7%
10.7%
2.4%
1.2%
$4M
$359M
$208M
Sep '22
$233M
$7M
59.0%
6.4%
1.1%
0.5%
$4M
$313M
$206M
Jun '22
$216M
$12M
60.0%
6.3%
—
0.9%
$10M
$313M
$222M
Mar '22
$216M
$15M
59.7%
11.2%
—
1.1%
$16M
$312M
$255M
Dec '21
$221M
$16M
59.8%
10.1%
—
1.2%
$4M
$312M
$233M
Sep '21
$192M
$2M
62.0%
4.1%
—
0.1%
$4M
$311M
$254M
Jun '21
$174M
-$3M
62.1%
2.1%
—
-0.2%
$8M
$261M
$284M
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.
The price-to-earnings ratio has risen from 10.5× (Mar '23) to 16.1× (Nov '26).
The price-to-sales ratio has risen from 0.6× (Mar '23) to 1.4× (Nov '26).
Price / earnings (P/E)
P/E
Price / sales (P/S)
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?
Ezcorp Inc's P/E (TTM) is 11.14 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the EZPW stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 16.1× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.