EZPW - EZCORP INC

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Oct 1, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Revenue Growth YoY (%)	9.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+39%)	10.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+53%)	18.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+162%)	21.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+207%)	-11.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-262%)	-2.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-141%)	4.3% Caution → Caution Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-38%)	8.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+23%)	2.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-66%)	1.5% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-79%)	-10.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-243%)	-18.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-362%)	-1.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-118%)	14.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+102%)	18.6% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+166%)	22.7% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+224%)	—	—
EPS Growth YoY (%)	26.5% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	118.8% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-22.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	493.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-94.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	15.3% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	9.1% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-36.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	-77.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	15.1% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	23.7% Good Good Year-over-year change in earnings per share Optimal: > 10%	36.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	31.9% Excellent ↓ Excellent Declining Year-over-year change in net income	116.0% Excellent ↓ Excellent Declining Year-over-year change in net income	-23.3% Weak Weak Year-over-year change in net income	482.4% Excellent Excellent Year-over-year change in net income	N/M	N/M	-93.2% Weak ↓ Weak Declining Year-over-year change in net income	17.0% Good ↑ Good Improving Year-over-year change in net income	N/M	9.5% Fair ↑ Fair Improving Year-over-year change in net income	-37.9% Weak ↓ Weak Declining Year-over-year change in net income	N/M	-76.3% Weak ↓ Weak Declining Year-over-year change in net income	17.6% Good ↓ Good Declining Year-over-year change in net income	25.6% Excellent Excellent Year-over-year change in net income	42.1% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%)	25.4% Excellent ↓ Excellent Declining Year-over-year change in free cash flow	12.9% Fair ↓ Fair Declining Year-over-year change in free cash flow	55.6% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	41.4% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-6.1% Weak ↓ Weak Declining Year-over-year change in free cash flow	-52.6% Weak ↓ Weak Declining Year-over-year change in free cash flow	14.5% Fair ↑ Fair Improving Year-over-year change in free cash flow	52.9% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-9.7% Weak ↑ Weak Improving Year-over-year change in free cash flow	-19.0% Weak → Weak Stable Year-over-year change in free cash flow	5.9% Fair ↑ Fair Improving Year-over-year change in free cash flow	-41.5% Weak ↓ Weak Declining Year-over-year change in free cash flow	-20.3% Weak ↓ Weak Declining Year-over-year change in free cash flow	1.1% Caution ↓ Caution Declining Year-over-year change in free cash flow	15.0% Fair Fair Year-over-year change in free cash flow	49.5% Excellent Excellent Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	12.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	16.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	8.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	1.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	5.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.1% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-2.2% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-9.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-10.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	10.2% Good Good Compound annual revenue growth over 3 years	18.4% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	9.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	6.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.5% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-0.0% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	2.7% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.1% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-3.7% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-5.5% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-3.4% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-0.4% Weak Weak Compound annual revenue growth over 5 years	6.0% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	29.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	115.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	—	181.3% Excellent Excellent Compound annual EPS growth over 3 years	-39.6% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	-31.4% Weak Weak Compound annual EPS growth over 3 years	24.8% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Oct 1, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Operating Margin (%) (%)	11.7% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	9.7% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	8.8% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	8.5% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	4.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	-5.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-149%)	5.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	8.3% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	7.2% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	4.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	-2.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-118%)	2.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	15.3% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	20.3% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	20.0% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	19.4% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+61%)	17.0% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	—
Effective Tax Rate (%) (%)	25.3% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.1% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.5% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	46.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	2.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	57.6% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.1% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	2578.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	64.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.9% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.1% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.3% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	8.6% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	7.2% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	3.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	5.7% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	1.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	-8.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-204%)	0.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-96%)	4.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	4.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	-11.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-238%)	-12.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-255%)	-8.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-201%)	3.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	14.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	14.1% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+76%)	13.3% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+66%)	11.5% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	—
FCF Margin (%) (%)	11.7% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	9.8% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	9.7% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	7.5% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	6.4% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	6.0% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	12.2% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	11.0% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	7.8% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	8.8% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	11.0% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	9.3% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	12.9% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	15.2% Good → Good Stable Free cash flow as a percentage of revenue Optimal: > 10%	16.8% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	17.0% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	13.5% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	1.36x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	1.37x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	2.65x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.33x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	5.39x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	-0.72x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	40.74x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	2.39x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.82x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-0.80x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.89x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-1.15x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	3.71x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.05x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	1.20x Fair → Fair Stable Free cash flow relative to reported net income Optimal: > 1x	1.28x Good Good Free cash flow relative to reported net income Optimal: > 1x	1.18x Fair Fair Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Oct 1, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Return on Invested Capital (%)	21.5% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	24.7% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	19.1% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	17.7% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	5.4% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	-18.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	2.0% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	3.9% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	4.2% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	-82.3% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-1.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	0.5% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	9.4% Fair ↓ Fair Declining Return earned on debt + equity capital invested Optimal: > 10%	13.0% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	16.5% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	21.0% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	19.3% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	7.6% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	7.5% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	6.3% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	5.6% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	2.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-4.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	4.3% Caution → Caution Stable Operating profit relative to total assets Optimal: > 10%	5.4% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	5.2% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	3.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	11.1% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	16.5% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	23.0% Excellent → Excellent Stable Operating profit relative to total assets Optimal: > 10%	23.4% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	20.6% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	—	—	—	—	—	—	0.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-98%)	5.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	4.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	-13.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-168%)	-13.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-168%)	-7.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-139%)	3.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	17.2% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	18.4% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	18.7% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	16.5% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Oct 1, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	0.32x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-60%)	0.56x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-30%)	0.43x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-46%)	0.48x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-40%)	0.30x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-62%)	0.47x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-41%)	0.24x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	0.27x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-67%)	0.03x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.03x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	—	—
Interest Coverage (x)	13.46x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	9.32x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	5.60x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	7.51x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	1.41x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-2.15x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	1.44x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	2.41x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.93x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.77x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	-0.95x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	0.65x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	9.90x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	—	105.24x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	102.44x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	71.21x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$48.55M	$156.81M	$139.52M	$106.88M	$57.80M	$-53.31M	$81.03M	$131.57M	$120.41M	$217.87M	$138.85M	$336.73M	$179.62M	$173.03M	$-6.47M	$-10.85M	$-44.76M	$-27.44M
Debt / EBITDA (x)	2.85x Fair ↑ Fair Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.25x Fair ↓ Fair Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.90x Fair ↑ Fair Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.92x Fair ↑ Fair Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	5.04x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-14.31x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.15x Caution ↓ Caution Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	4.50x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.69x Caution ↓ Caution Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	4.90x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	9.24x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	6.88x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.17x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.99x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.09x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.10x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Oct 1, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Revenue per Share (USD)	$22.17	$21.15	$18.87	$15.69	$13.09	$14.87	$15.31	$14.91	$13.78	$13.42	$13.24	$14.78	$18.27	$19.51	$17.42	$14.95	$12.61	—
Basic EPS, GAAP (USD)	$1.91	$1.51	$0.69	$0.89	$0.15	$-1.24	$0.04	$0.68	$0.59	$-1.49	$-1.64	$-1.20	$0.64	$2.82	$2.45	$1.98	$1.45	—
Free Cash Flow per Share (USD)	$2.59	$2.07	$1.83	$1.18	$0.83	$0.89	$1.87	$1.63	$1.07	$1.18	$1.46	$1.38	$2.36	$2.96	$2.92	$2.54	$1.70	—
Book Value per Share (USD)	—	—	—	—	—	—	$13.46	$13.64	$12.21	$10.93	$12.07	$15.37	$17.04	$16.41	$13.31	$10.59	$8.77	—
Tangible Book Value per Share (USD)	—	—	—	—	—	—	$6.80	$7.14	$6.91	$5.70	$6.87	$7.75	$7.78	$8.16	$9.44	$7.87	$6.65	—
Basic Weighted Avg Shares (shares)	57.47M	54.94M	55.59M	56.50M	55.74M	55.31M	55.34M	54.46M	54.26M	54.43M	54.37M	54.15M	53.66M	50.88M	49.92M	49.03M	47.37M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Oct 1, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Working Capital (USD)	$925.38M	$459.62M	$527.75M	$491.30M	$455.77M	$460.78M	$514.67M	$489.42M	$508.38M	$387.17M	$303.63M	$486.65M	$395.05M	$373.56M	$291.97M	$232.71M	—	—
LT Debt (USD)	$518.08M	$327.33M	$360.11M	$312.90M	$311.47M	$251.23M	$238.59M	$416.88M	$284.81M	$283.61M	$197.98M	$392.05M	$215.94M	$221.51M	$17.50M	$15.00M	—	—
Total Equity (USD)	—	—	—	—	—	—	$744.95M	$742.74M	$662.38M	$594.98M	$656.03M	$832.30M	$914.53M	$834.83M	$664.25M	$519.43M	$415.69M	$273.05M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Oct 1, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$1.27B	$1.16B	$1.05B	$886.23M	$729.55M	$822.78M	$847.23M	$812.16M	$747.95M	$730.50M	$720.00M	$800.29M	$980.12M	$992.47M	$869.32M	$733.04M	$597.46M	—
Depreciation Expense (USD)	$32.54M	$33.07M	$32.13M	$32.14M	$30.67M	$30.83M	$28.80M	$25.48M	$23.66M	$28.65M	$37.03M	$38.63M	$34.92M	$23.29M	$17.49M	$14.00M	$12.30M	—
Net Income, GAAP (USD)	$109.61M	$83.09M	$38.46M	$50.16M	$8.61M	$-68.46M	$2.54M	$37.28M	$31.86M	$-80.74M	$-89.19M	$-64.70M	$34.08M	$143.71M	$122.16M	$97.29M	$68.47M	—
Operating Cash Flow (USD)	$148.99M	$113.60M	$101.83M	$66.53M	$46.44M	$49.08M	$103.52M	$88.98M	$57.98M	$64.40M	$79.40M	$74.70M	$126.47M	$150.45M	$145.99M	$124.72M	$80.62M	—

EZCORP INC

Analytical Summary

18-Year Financial Trajectory

Health Breakdown

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