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Ezcorp Inc key statistics and ratios

In fiscal 2025, Ezcorp Inc had return on equity of 12.0% and a net margin of 8.6%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2009Sept 20092010Sept 20102011Sept 20112012Sept 20122013Sept 20132014Sept 20142015Sept 20152016Sept 20162017Sept 20172018Sept 20182019Sept 20192020Sept 20202021Sept 20212022Sept 20222023Sept 20232024Sept 20242025Sept 2025LTMJun 2026
Net margin11.5%13.3%14.3%14.2%2.8%−9.1%−12.4%−11.1%4.2%4.6%0.3%−8.3%1.2%5.7%3.7%7.2%8.6%10.0%
Return on equity16.5%20.8%20.6%18.3%2.6%−8.0%−12.1%−12.9%5.0%5.3%0.3%−9.8%1.3%7.4%5.3%10.7%12.0%14.5%
Return on assets13.9%17.7%17.9%13.9%1.8%−4.9%−6.9%−7.4%3.1%3.3%0.2%−6.0%0.7%3.8%2.7%5.6%6.4%7.7%
Effective tax rate—35.8%35.0%31.6%28.8%56.4%——26.0%33.1%57.6%—46.4%25.9%25.5%28.1%25.3%25.3%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

40 /100

Weak moat

How hard Ezcorp's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 1 / 20

    Net income has been a median 2.4% of total assets over 10 years.

  • Pricing power 20 / 20

    Gross margin has been a median 58.6%, moving by 1.3 percentage points (standard deviation) across 10 years.

  • Durability 1 / 20

    Operating margin has been a median 7.9%; its worst year was -1.7%.

  • Cash conversion 13 / 20

    Free cash flow was positive in 10 of 10 years, at a median 5.6% of revenue.

  • Discipline 10 / 20

    The diluted share count rose 50.6% over five years; stock-based pay has been a median 0.9% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (44 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

More: Consumer Finance stocks compared, Financials sector, rankings of US companies

Figures from Ezcorp Inc's SEC filings (10-K and 10-Q), retrieved October 26, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Ezcorp Inc.