EZCORPEZPW -2.28%68 EV-to-FCF is 18.81 as of Jun. 28, 2026, which is 2% below its 10-year median of 19.20. GuruFocus rates EZPW with a GF Score™ of 68/100 and a GF Value™ of $16.60 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 265 Credit Services companies, EZCORP ranks worse than 59.25% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, EZCORP's Enterprise Value is $2,467 Mil.
EZCORP's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $131 Mil. Therefore, EZCORP's EV-to-FCF for today is 18.81.
The historical rank and industry rank for EZCORP's EV-to-FCF or its related term are showing as below:
EZPW'
s EV-to-FCF Range Over the Past 10 Years
Min: 5.78 Med: 19.2 Max: 169.93
Current: 18.81
During the past 13 years, the highest EV-to-FCF of EZCORP was 169.93. The lowest was 5.78. And the median was 19.20.
EZPW's EV-to-FCF is ranked worse than 59.25% of 265
companies
in the Credit Services industry
Industry Median: 13.02
vs EZPW: 18.81
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
As of today (2026-06-28), EZCORP's stock price is $32.50.
EZCORP's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $1.840. Therefore, EZCORP's PE Ratio (TTM) for today is 17.66.
EZCORP (NAS:EZPW) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EZCORP's share price for today is $32.50.
EZCORP's Earnings per Share (Diluted) 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 $1.840.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
EZCORP EV-to-FCF Related Terms
EZCORP EV-to-FCF Historical Data
* Premium members only.
The historical data trend for EZCORP's EV-to-FCF 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.
For the Credit Services subindustry, EZCORP's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, EZCORP's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where EZCORP's EV-to-FCF falls into.
EZCORP's current Enterprise Value is $2,467 Mil.
EZCORP's Free Cash Flow 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 $131 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.
EZCORP (EZPW) has a EV-to-FCF of 18.81 as of Jun. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on EZCORP and its competitors. This is near median its historical median of 19.20. Over the past decade, EZCORP's EV-to-FCF has ranged from 5.78 to 169.93. According to the industry distribution chart, EZCORP ranks #157 out of 265 companies in the Credit Services industry, placing it in the top 59.2%.
Is EZCORP's EV-to-FCF too high?
EZCORP's current EV-to-FCF of 18.81 is near median its 10-year median of 19.20. Over the past 10 years, this metric has ranged from a low of 5.78 to a high of 169.93. The Credit Services industry median EV-to-FCF is 13.02. EZCORP's value of 18.81 is 44.5% above this industry median. Based on the distribution chart, EZCORP ranks #157 out of 265 companies in the Credit Services industry, which is below the industry midpoint. Overall, EZCORP has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does EZCORP's EV-to-FCF compare to QFIN and AGM.A?
According to the Credit Services industry distribution chart, EZCORP ranks #157 out of 265 companies for EV-to-FCF. This places EZCORP in the lower half of its industry. The industry median EV-to-FCF is 13.02. EZCORP's value of 18.81 is 44.5% above this benchmark. Historically, EZCORP's own EV-to-FCF has ranged from 5.78 to 169.93 over the past decade. While the company's 10-year median is 19.20 vs. the industry median of 13.02, 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 EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.02, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EZCORP's current EV-to-FCF of 18.81 is 44.5% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on EZCORP and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EZCORP's current EV-to-FCF is 18.81, which is near median its own 10-year median of 19.20. 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 $16.60, compared to a current price of $32.50 — trading 95.8% above its estimated fair value. The current EV-to-FCF is 18.81, which is near median its 10-year median of 19.20 and 44.5% above the Credit Services industry median of 13.02. EZCORP's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For EZCORP (EZPW), the current EV-to-FCF is 18.81 as of Jun. 28, 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 $32.50 is trading 95.8% above its estimated GF Value™ of $16.60.
GuruFocus considers EZCORP to be Significantly Overvalued.
Key valuation signals for EZPW:
EV-to-FCF: 18.81 (near median its 10-year median of 19.20)
GF Value™: $16.60 vs. price of $32.50 (95.8% above fair value)
Industry Position: 44.5% above the Credit Services median (#157 of 265)
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 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.
68GF Score
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