# EZCORP Inc. Class A Non Voting (EZPW) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Consumer Finance. Price $33.32, market value $2.0 billion.

## Valuation
- **P/E (trailing): 16.7×** (5-yr avg 20.1×, 3-yr avg 13.1×). EZCORP Inc. Class A Non Voting trades at 16.7× trailing earnings, close to its own five-year average of 20.1×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 15.2×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.52**. A PEG of 0.52 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.3×**. Each dollar of revenue is priced at 1.3×.
- **Price / book: 1.8×**. The shares trade at 1.8× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 8.2×**. Enterprise value is 8.2× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Free-cash-flow yield: 6.8%** (5-yr avg 7.0%). Free cash flow equals 6.8% of the market value, in line with its five-year average of 7.0%. Above 5% is generally attractive.
- **Earnings yield: 6.0%**. The inverse of the P/E: 6.0% of the price is earned each year.

## Profitability
- **Gross margin: 58.6%**. EZCORP Inc. Class A Non Voting keeps 58.6% of revenue after the direct cost of what it sells.
- **Operating margin: 13.9%**. 13.9% of revenue is left after running the business.
- **Net margin: 8.6%**. 8.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 10.7%**. 10.7% on shareholders' equity is solid.
- **Return on invested capital: 16.2%**. Return on all capital, debt included, is 16.2%: comfortably above what that capital costs.
- **Return on assets: 8.1%**. Each dollar of assets produces 8.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 9.7%** (3-yr 12.9%/yr, 5-yr 9.1%/yr). Revenue grew 9.7% over the last year, against 9.1% a year compounded over five years.
- **EPS growth (1 yr): 29.1%** (3-yr 26.6%/yr). Earnings per share rose 29.1%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 47.2%/yr**. Free cash flow has compounded at 47.2% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $470 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. EZCORP Inc. Class A Non Voting does not currently pay a dividend.

## Analyst view
- **Analyst consensus: buy** (5 analysts). 5 analysts cover EZCORP Inc. Class A Non Voting; the consensus is buy, with an average price target of $40.80 (+22% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 97.2%** (YTD 71.6%, 3-mo 4.3%). The shares are up 97.2% over twelve months including dividends.
- **From 52-week high: -10.3%** (101.9% above the low). Trading 10% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 57**. An RSI of 57 is neutral.
- **Beta (1 yr): 1.19** (volatility 42%). Beta of 1.19 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=EZPW · Page: https://foliofundamentals.com/stocks/ezpw

Not investment advice.