EZCORP (STU:EZ2A) EBIT: €197 Mil (TTM As of Mar. 2026)


STU:EZ2A EZCORP Inc STU:EZ2A
71 GF Score
Price €29.88
GF Value €14.53
Valuation Significantly Overvalued
! 5 Warning Signs
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What is EZCORP EBIT?

EZCORP STU:EZ2A +0.40% 71 EBIT is €197 Mil as of Mar. 2026. GuruFocus rates STU:EZ2A with a GF Score™ of 71/100 and a GF Value™ of €14.53 (Significantly Overvalued). The stock has 5 warning signs investors should review.

EZCORP's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was €64 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was €197 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. EZCORP's annualized ROC % for the quarter that ended in Mar. 2026 was 13.30%. EZCORP's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 54.48%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. EZCORP's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 8.74%.


EZCORP  (STU:EZ2A) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

EZCORP's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=234.736 * ( 1 - 24.28% )/( (1231.499 + 1440.719)/ 2 )
=177.7420992/1336.109
=13.30 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=1697.308 - 67.921 - ( 397.888 - max(0, 162.302 - 978.154+397.888))
=1231.499

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=1839.645 - 92.565 - ( 306.361 - max(0, 200.462 - 944.62+306.361))
=1440.719

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

EZCORP's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=255.488/( ( (266.882 + max(175.602, 0)) + (308.49 + max(186.94, 0)) )/ 2 )
=255.488/( ( 442.484 + 495.43 )/ 2 )
=255.488/468.957
=54.48 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(54.261 + 216.443 + 14.714) - (67.921 + 28.237 + 13.658)
=175.602

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(75.431 + 238.708 + 14.408) - (92.565 + 34.187 + 14.855)
=186.94

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

EZCORP's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=196.642/2250.736
=8.74 %

* 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 EBIT Related Terms


EZCORP EBIT Historical Data

* Premium members only.

The historical data trend for EZCORP's EBIT 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 EBIT Chart

EZCORP Annual Data
Trend Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 32.50 78.46 63.80 116.40 144.67

EZCORP Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT 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 34.87 37.43 37.84 57.51 63.87

STU:EZ2A vs AGM.A, ECPG, QFIN: EBIT Comparison

For the Credit Services subindustry, EZCORP's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, EZCORP's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where EZCORP's EV-to-EBIT falls into.


STU:EZ2A
71GF Score
EZCORP Inc STU:EZ2A
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

EZCORP EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €197 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of €197 Mil mean?
EZCORP (STU:EZ2A) has a EBIT of €197 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on EZCORP.
Is EZCORP's EBIT too high?
EZCORP's current EBIT is €197 Mil. Overall, EZCORP has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does EZCORP's EBIT compare to AGM.A and ECPG?
EZCORP's EBIT of €197 Mil 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 EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on EZCORP. EZCORP's current EBIT is €197 Mil. 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 (STU:EZ2A) is currently considered Significantly Overvalued. The stock's GF Value™ is €14.53, compared to a current price of €29.88 — trading 105.6% above its estimated fair value. The current EBIT is €197 Mil. EZCORP's overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For EZCORP (STU:EZ2A), the current EBIT is €197 Mil as of Mar. 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 (STU:EZ2A) Overvalued in 2026?

Based on GuruFocus' analysis, EZCORP stock appears to be overvalued. The current stock price of €29.88 is trading 105.6% above its estimated GF Value™ of €14.53. GuruFocus considers EZCORP to be Significantly Overvalued.

Key valuation signals for STU:EZ2A:

  • EBIT: €197 Mil
  • GF Value™: €14.53 vs. price of €29.88 (105.6% above fair value)
  • GF Score™: 71/100 with 5 warning signs

No single metric tells the full story. See the STU:EZ2A stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


EZCORP Business Description

Other Exchanges EZPW:USAEZ2A: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.
71GF Score

Get the complete analysis for STU:EZ2A

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€29.88
Price
€14.53
GF Value