tradmap

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
Return on equity & assets (ROE / ROA)
-14% 2% 18% 0% 2011 2013 2015 2017 2019 2021 2023 2025
ROEROA
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 MROEROAFCFTotal debtCash
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

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 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
P/E
Price / sales (P/S)
0.0 0.8 1.7 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '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?

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.