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Forensic Analysis · Retail / Consumer Discretionary · as of Nov 9, 2026

Ezcorp Inc (EZPW)

A forensic read on Ezcorp Inc built from its complete SEC filings — financial-health screens, earnings quality, red flags and a price-aware rating. Reproducible math, not opinion.

B · Sound & dependable
Forensic grade
Safe
Financial health
5.8
Distress distance
Clean
Earnings quality
2
Forensic signals
12.0%
ROE
9.7%
Revenue growth

This free snapshot doesn't read filing or proxy text, so the auditor-quality and governance checks that can lower a grade were not evaluated (auditor quality, say on pay, board independence, going concern). Those checks only ever lower a grade, so the full analysis can land below the grade above but never above it — treat it as the most favourable reading, not the settled one.

Ezcorp Inc earns a B (Sound & dependable) forensic quality grade, and its balance-sheet distress test reads 5.8, placing it in the Safe zone. 2 forensic signals were flagged in its latest SEC filings, led by inventory days.

What the filings flag

152d
FY2024→FY2025
Inventory days. Days inventory outstanding moved from 136 to 152 FY2024→FY2025 (against cost of goods sold; inventory +29% vs +10% in cost of sales). Inventory is building a little faster than sales — watch for markdowns.
9.1%
FY2025
Return on invested capital. Return on invested capital is 9.1% in the latest fiscal year and rising across FY2023–FY2025 from 6.3%. After-tax operating profit was $69M in FY2023 and $111M in FY2025, with operating income at 8.8% of revenue in FY2023, 9.7% in FY2024 and 11.7% in FY2025. The capital base behind it grew +12% across FY2023–FY2025, from $1.1B to $1.2B, and the return did not fall doing it, so the dollars added over that window earned at least the 6.3% the older base was already earning.

Key fundamentals

Latest Revenue$1.27B
Revenue Growth YoY+9.7%
Revenue CAGR (2yr)+10.2%
Net Margin8.6%
Free Cash Flow$110.4M
Return on Equity12.0%
Debt / Equity0.51x

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Data from SEC EDGAR public filings · metrics as of Nov 9, 2026. Forensic signals flag probability, not certainty.

See a wrong number? Report an error with the filing it should match.