Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
EZCORPFRA:EZ2A +0.24%76 FCF Margin % is 8.50% as of Mar. 2026, which is 44% above its 10-year median of 5.91. GuruFocus rates FRA:EZ2A with a GF Score™ of 76/100 and a GF Value™ of €14.49 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 534 Credit Services companies, EZCORP ranks better than 58.05% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. EZCORP's Free Cash Flow for the
three
months ended in Mar. 2026 was €33 Mil. EZCORP's Revenue for the
three
months ended in Mar. 2026 was €387 Mil. Therefore, EZCORP's FCF Margin % for the quarter that ended in Mar. 2026 was 8.50%.
The historical data trend for EZCORP's FCF Margin % 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.
FRA:EZ2A vs ECPG, QFIN, ATLC: FCF Margin % Comparison
For the Credit Services subindustry, EZCORP's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, EZCORP's FCF Margin % distribution charts can be found below:
* The bar in red indicates where EZCORP's FCF Margin % 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 (FRA:EZ2A) has a FCF Margin % of 8.50% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on EZCORP and its competitors. This is 44% above median its historical median of 5.91. Over the past decade, EZCORP's FCF Margin % has ranged from 2.50 to 8.88. According to the industry distribution chart, EZCORP ranks #224 out of 534 companies in the Credit Services industry, placing it in the top 41.9%.
Is EZCORP's FCF Margin % too high?
EZCORP's current FCF Margin % of 8.50% is 44% above median its 10-year median of 5.91. Over the past 10 years, this metric has ranged from a low of 2.50 to a high of 8.88. The Credit Services industry median FCF Margin % is 0.30. EZCORP's value of 8.50% is 2781.4% above this industry median. Based on the distribution chart, EZCORP ranks #224 out of 534 companies in the Credit Services industry, which is above the industry midpoint. 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 FCF Margin % compare to ECPG and QFIN?
According to the Credit Services industry distribution chart, EZCORP ranks #224 out of 534 companies for FCF Margin %. This puts EZCORP in the upper half of its industry. The industry median FCF Margin % is 0.30. EZCORP's value of 8.50% is 2781.4% above this benchmark. Historically, EZCORP's own FCF Margin % has ranged from 2.50 to 8.88 over the past decade. While the company's 10-year median is 5.91 vs. the industry median of 0.30, 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.30, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EZCORP's current FCF Margin % of 8.50% is 2781.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on EZCORP and its competitors. For the Credit Services industry, the median FCF Margin % is 0.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EZCORP's current FCF Margin % is 8.50%, which is 44% above median its own 10-year median of 5.91. 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 (FRA:EZ2A) is currently considered Significantly Overvalued. The stock's GF Value™ is €14.49, compared to a current price of €25.30 — trading 74.6% above its estimated fair value. The current FCF Margin % is 8.50%, which is 44% above median its 10-year median of 5.91 and 2781.4% above the Credit Services industry median of 0.30. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For EZCORP (FRA:EZ2A), the current FCF Margin % is 8.50% 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 (FRA:EZ2A) Overvalued in 2026?
Based on GuruFocus' analysis, EZCORP stock appears to be overvalued.
The current stock price of €25.30 is trading 74.6% above its estimated GF Value™ of €14.49.
GuruFocus considers EZCORP to be Significantly Overvalued.
Key valuation signals for FRA:EZ2A:
FCF Margin %: 8.50% (44% above median its 10-year median of 5.91)
GF Value™: €14.49 vs. price of €25.30 (74.6% above fair value)
Industry Position: 2781.4% above the Credit Services median (#224 of 534)
No single metric tells the full story. See the FRA:EZ2A 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.
76GF Score
Get the complete analysis for FRA:EZ2A
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:EZ2A has been successfully added to your 
