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EZCORPMEX:EZPW 75 Cash-to-Debt is 0.38 as of Jun. 2026, which is 16% below its 10-year median of 0.45. GuruFocus rates MEX:EZPW with a GF Score™ of 75/100. The stock has 3 warning signs investors should review. Among 524 Credit Services companies, EZCORP ranks better than 61.07% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. EZCORP's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.38.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, EZCORPcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for EZCORP's Cash-to-Debt or its related term are showing as below:
MEX:EZPW'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.23 Med: 0.45 Max: 0.82
Current: 0.38
During the past 13 years, EZCORP's highest Cash to Debt Ratio was 0.82. The lowest was 0.23. And the median was 0.45.
MEX:EZPW's Cash-to-Debt is ranked better than 61.07% of 524
companies
in the Credit Services industry
Industry Median: 0.19
vs MEX:EZPW: 0.38
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
EZCORP Cash-to-Debt Related Terms
EZCORP Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for EZCORP's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
MEX:EZPW vs ECPG, WU, AGM.A: Cash-to-Debt Comparison
For the Credit Services subindustry, EZCORP's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
EZCORP Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, EZCORP's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where EZCORP's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
EZCORP (MEX:EZPW) has a Cash-to-Debt of 0.38 as of Jun. 2026. This is 16% below median its historical median of 0.45. Over the past decade, EZCORP's Cash-to-Debt has ranged from 0.23 to 0.82. According to the industry distribution chart, EZCORP ranks #204 out of 524 companies in the Credit Services industry, placing it in the top 38.9%.
Is EZCORP's Cash-to-Debt too high?
EZCORP's current Cash-to-Debt of 0.38 is 16% below median its 10-year median of 0.45. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 0.82. The Credit Services industry median Cash-to-Debt is 0.19. EZCORP's value of 0.38 is 100% above this industry median. Based on the distribution chart, EZCORP ranks #204 out of 524 companies in the Credit Services industry, which is above the industry midpoint. Overall, EZCORP has a GF Score™ of 75/100, reflecting its overall financial health beyond just this single metric.
How does EZCORP's Cash-to-Debt compare to ECPG and WU?
According to the Credit Services industry distribution chart, EZCORP ranks #204 out of 524 companies for Cash-to-Debt. This puts EZCORP in the upper half of its industry. The industry median Cash-to-Debt is 0.19. EZCORP's value of 0.38 is 100% above this benchmark. Historically, EZCORP's own Cash-to-Debt has ranged from 0.23 to 0.82 over the past decade. While the company's 10-year median is 0.45 vs. the industry median of 0.19, EZCORP has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.19, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EZCORP's current Cash-to-Debt of 0.38 is 100% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EZCORP's current Cash-to-Debt is 0.38, which is 16% below median its own 10-year median of 0.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EZCORP stock overvalued right now?
EZCORP (MEX:EZPW) has a current Cash-to-Debt of 0.38. The current Cash-to-Debt is 0.38, which is 16% below median its 10-year median of 0.45 and 100% above the Credit Services industry median of 0.19. EZCORP's overall GF Score™ is 75/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For EZCORP (MEX:EZPW), the current Cash-to-Debt is 0.38 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
EZCORP Inc is a United States-based company engaged in offering pawn loans in the United States and Mexico. It also offers short-term unsecured loans and other consumer financial products, and buys and sells second-hand goods. The operating segments of the company are U.S. Pawn, Latin America Pawn, and Other Investments. The U.S. Pawn segment includes all pawn activities in the United States. The Latin America Pawn segment includes all pawn activities in Mexico and other parts of Latin America. The company generates revenue from merchandise sales, jewelry scrapping sales, and pawn service charges, of which key revenue is derived from the merchandise sales, which are mainly collateral forfeited from pawn lending operations and used merchandise purchased from the customers.
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