EZPW (EZCORP) Cyclically Adjusted FCF per Share: $0.94 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

EZPW EZCORP Inc EZPW
76 GF Score
Price $28.75
GF Value $18.05
Valuation Significantly Overvalued
! 1 Warning Sign
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What is EZCORP Cyclically Adjusted FCF per Share?

EZCORP EZPW +0.03% 76 Cyclically Adjusted FCF per Share is $0.94 as of Jun. 2026. GuruFocus rates EZPW with a GF Score™ of 76/100 and a GF Value™ of $18.05 (Significantly Overvalued). The stock has 1 warning sign investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

EZCORP's adjusted free cash flow per share for the three months ended in Jun. 2026 was $0.394. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $0.94 for the trailing ten years ended in Jun. 2026.

During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -1.70% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was -6.10% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was -5.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of EZCORP was 68.10% per year. The lowest was -12.30% per year. And the median was 7.25% per year.

As of today (2026-08-21), EZCORP's current stock price is $28.75. EZCORP's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was $0.94. EZCORP's Cyclically Adjusted Price-to-FCF of today is 30.59.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of EZCORP was 37.97. The lowest was 2.87. And the median was 7.64.


EZCORP  (NAS:EZPW) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

EZCORP's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=28.75/0.94
=30.59

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of EZCORP was 37.97. The lowest was 2.87. And the median was 7.64.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


EZCORP Cyclically Adjusted FCF per Share Related Terms


EZCORP Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for EZCORP's Cyclically Adjusted FCF per Share 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.

EZCORP Cyclically Adjusted FCF per Share Chart

EZCORP Annual Data
Trend Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.08 0.97 0.91 0.90 0.92

EZCORP Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.94 0.92 0.97 0.89 0.94

EZPW vs ECPG, QFIN, ATLC: Cyclically Adjusted FCF per Share Comparison

For the Credit Services subindustry, EZCORP's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, EZCORP's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where EZCORP's Cyclically Adjusted Price-to-FCF falls into.


EZPW
76GF Score
EZCORP Inc EZPW
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

EZCORP Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, EZCORP's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.394/333.9520*333.9520
=0.394

Current CPI (Jun. 2026) = 333.9520.

EZCORP Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.063 241.428 0.087
201612 -0.140 241.432 -0.194
201703 0.373 243.801 0.511
201706 0.146 244.955 0.199
201709 0.092 246.819 0.124
201712 0.174 246.524 0.236
201803 0.289 249.554 0.387
201806 0.155 251.989 0.205
201809 0.217 252.439 0.287
201812 0.318 251.233 0.423
201903 0.347 254.202 0.456
201906 0.066 256.143 0.086
201909 0.419 256.759 0.545
201912 -0.296 256.974 -0.385
202003 0.461 258.115 0.596
202006 0.479 257.797 0.620
202009 -0.271 260.280 -0.348
202012 -0.140 260.474 -0.179
202103 0.325 264.877 0.410
202106 0.145 271.696 0.178
202109 0.077 274.310 0.094
202112 0.049 278.802 0.059
202203 0.195 287.504 0.227
202206 0.125 296.311 0.141
202209 0.051 296.808 0.057
202212 0.054 296.797 0.061
202303 0.430 301.836 0.476
202306 0.209 305.109 0.229
202309 0.175 307.789 0.190
202312 0.165 306.746 0.180
202403 0.104 312.332 0.111
202406 0.367 314.175 0.390
202409 0.288 315.301 0.305
202412 0.245 315.605 0.259
202503 0.344 319.799 0.359
202506 0.310 322.561 0.321
202509 0.425 324.800 0.437
202512 0.381 324.054 0.393
202603 0.456 330.213 0.461
202606 0.394 333.952 0.394

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $0.94 mean?
EZCORP (EZPW) has a Cyclically Adjusted FCF per Share of $0.94 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on EZCORP and its competitors.
Is EZCORP's Cyclically Adjusted FCF per Share too high?
EZCORP's current Cyclically Adjusted FCF per Share is $0.94. Overall, EZCORP has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does EZCORP's Cyclically Adjusted FCF per Share compare to ECPG and QFIN?
EZCORP's Cyclically Adjusted FCF per Share of $0.94 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Credit Services company?
A good Cyclically Adjusted FCF per Share depends on the Credit Services industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on EZCORP and its competitors. EZCORP's current Cyclically Adjusted FCF per Share is $0.94. 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?
Based on GuruFocus' analysis, EZCORP (EZPW) is currently considered Significantly Overvalued. The stock's GF Value™ is $18.05, compared to a current price of $28.75 — trading 59.3% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $0.94. EZCORP's overall GF Score™ is 76/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For EZCORP (EZPW), the current Cyclically Adjusted FCF per Share is $0.94 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.

Is EZCORP (EZPW) Overvalued in 2026?

Based on GuruFocus' analysis, EZCORP stock appears to be overvalued. The current stock price of $28.75 is trading 59.3% above its estimated GF Value™ of $18.05. GuruFocus considers EZCORP to be Significantly Overvalued.

Key valuation signals for EZPW:

  • Cyclically Adjusted FCF per Share: $0.94
  • GF Value™: $18.05 vs. price of $28.75 (59.3% above fair value)
  • GF Score™: 76/100 with 1 warning sign

No single metric tells the full story. See the EZPW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


EZCORP Business Description

Other Exchanges EZ2A:Germany
Address 2500 Bee Cave Road, Suite 200, Building One, Rollingwood, TX, USA, 78746
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.
76GF Score

Get the complete analysis for EZPW

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$28.75
Price
$18.05
GF Value