EZCORPMEX:EZPW 68 Interest Coverage is 8.12 as of Mar. 2026, which is 271% above its 10-year median of 2.19. GuruFocus rates MEX:EZPW with a GF Score™ of 68/100. The stock has 5 warning signs investors should review. Among 163 Credit Services companies, EZCORP ranks worse than 72.39% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. EZCORP's
Operating Income
for the
three
months ended in Mar. 2026 was MXN1,223.39 Mil. EZCORP's Interest Expense for the
three
months ended in Mar. 2026 was MXN-150.65 Mil.
EZCORP's interest coverage for the quarter that ended in Mar. 2026 was 8.12.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for EZCORP's Interest Coverage or its related term are showing as below:
MEX:EZPW'
s Interest Coverage Range Over the Past 10 Years
Min: 0.32 Med: 2.19 Max: 8.29
Current: 6.08
MEX:EZPW's Interest Coverage is ranked worse than 72.39% of 163
companies
in the Credit Services industry
Industry Median: 47.86
vs MEX:EZPW: 6.08
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
EZCORP Interest Coverage Related Terms
EZCORP Interest Coverage Historical Data
* Premium members only.
The historical data trend for EZCORP's Interest Coverage 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: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
MEX:EZPW vs QFIN, AGM.A, ECPG: Interest Coverage Comparison
For the Credit Services subindustry, EZCORP's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, EZCORP's Interest Coverage distribution charts can be found below:
* The bar in red indicates where EZCORP's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 8.12 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on EZCORP and its competitors. This is 271% above median its historical median of 2.19. Over the past decade, EZCORP's Interest Coverage has ranged from 0.32 to 8.29. According to the industry distribution chart, EZCORP ranks #118 out of 163 companies in the Credit Services industry, placing it in the top 72.4%.
Is EZCORP's Interest Coverage too high?
EZCORP's current Interest Coverage of 8.12 is 271% above median its 10-year median of 2.19. Over the past 10 years, this metric has ranged from a low of 0.32 to a high of 8.29. The Credit Services industry median Interest Coverage is 47.86. EZCORP's value of 8.12 is 83% below this industry median. Based on the distribution chart, EZCORP ranks #118 out of 163 companies in the Credit Services industry, which is below the industry midpoint. Overall, EZCORP has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does EZCORP's Interest Coverage compare to QFIN and AGM.A?
According to the Credit Services industry distribution chart, EZCORP ranks #118 out of 163 companies for Interest Coverage. This places EZCORP in the lower half of its industry. The industry median Interest Coverage is 47.86. EZCORP's value of 8.12 is 83% below this benchmark. Historically, EZCORP's own Interest Coverage has ranged from 0.32 to 8.29 over the past decade. While the company's 10-year median is 2.19 vs. the industry median of 47.86, EZCORP has consistently been below 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 47.86, based on 163 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EZCORP's current Interest Coverage of 8.12 is 83% below 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on EZCORP and its competitors. For the Credit Services industry, the median Interest Coverage is 47.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EZCORP's current Interest Coverage is 8.12, which is 271% above median its own 10-year median of 2.19. 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 Interest Coverage of 8.12. The current Interest Coverage is 8.12, which is 271% above median its 10-year median of 2.19 and 83% below the Credit Services industry median of 47.86. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For EZCORP (MEX:EZPW), the current Interest Coverage is 8.12 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.
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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