EZCORP, Inc. cash flow to debt ratio of 19.50% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

EZCORP, Inc.'s free cash flow has increased 41.87% from $77.84M last year to $110.42M, signaling increasing performance

EZCORP, Inc.'s debt to equity ratio is 0.70, which means that the company's assets are unhealthy financed, signaling financial risk.

EZCORP, Inc.'s debt has decreased relative to shareholder equity from 0.70 last year to 0.70 today, signaling strengthened financials

EZCORP, Inc. has a net debt to EBITDA ratio of 1.46x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

EZCORP, Inc.'s interest coverage ratio of 6.67 indicates that earnings with good margin can cover interest payments on company debt

EZCORP, Inc.'s profit margin has increased (39.67%) in the last year from 7.15% to 9.99%, signaling increasing performance

EZCORP, Inc.'s short-term assets of $1.13B exceed its short-term liabilities of $200.57M

EZCORP, Inc.'s return on assets of 7.31% is higher than the 5.00% threshold, indicating efficient asset utilization

EZCORP, Inc.'s return on equity of 14.45%, is lower than 15.00%, indicating bad performance

EZCORP, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

EZCORP, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

EZCORP, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

EZCORP, Inc. has a free cash flow yield of 6.94%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

EZCORP, Inc.'s yearly earnings has increased 31.91% since last year from $83.09M to $109.61M, signaling increasing performance

EZCORP, Inc.'s yearly revenue has increased 9.70% since last year from $1.16B to $1.27B, signaling increasing performance

ROIC 7.92% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

EZCORP, Inc.'s 3-year revenue CAGR of 12.87% is positive, indicating growing revenue over the past 3 years

EZCORP, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

EZCORP, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

EZCORP, Inc. is undervalued relative to its fair value price of 28.37 based on Discounted Cash Flow model

EZCORP, Inc. has an earnings yield of 9.47%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

EZCORP, Inc. is overvalued relative to its fair value price of 19.11 based on EBITDA multiple model

EZCORP, Inc. has an EV/EBITDA ratio of 9.32x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

EZCORP, Inc. is overvalued relative to its fair value price of 25.03 based on Earnings Fair Value model

EZCORP, Inc. had non-positive diluted EPS five years ago; the PEG ratio is not meaningful and the check fails.

EZCORP, Inc. has a price-to-book ratio of 1.43x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

EZCORP, Inc. has a price-to-sales ratio of 1.06x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue