EZCORPMEX:EZPW 68 Operating Margin % is 15.18% as of Mar. 2026, which is 96% above its 10-year median of 7.73. GuruFocus rates MEX:EZPW with a GF Score™ of 68/100. The stock has 5 warning signs investors should review. Among 412 Credit Services companies, EZCORP ranks worse than 56.55% on this metric.
Operating Margin % is calculated as Operating Income divided by its Revenue. EZCORP's Operating Income for the
three
months ended in Mar. 2026 was MXN1,223.39 Mil. EZCORP's Revenue for the
three
months ended in Mar. 2026 was MXN8,058.47 Mil. Therefore, EZCORP's Operating Margin % for the quarter that ended in Mar. 2026 was 15.18%.
Good Sign:
EZCORP Inc operating margin is expanding. Margin expansion is usually a good sign.
The historical rank and industry rank for EZCORP's Operating Margin % or its related term are showing as below:
MEX:EZPW'
s Operating Margin % Range Over the Past 10 Years
Min: 0.86 Med: 7.73 Max: 11.69
Current: 13.63
MEX:EZPW's Operating Margin % is ranked worse than 56.55% of 412
companies
in the Credit Services industry
Industry Median: 17.325
vs MEX:EZPW: 13.63
EZCORP's 5-Year Average Operating Margin % Growth Rate was 55.80% per year.
EZCORP's Operating Income for the
three
months ended in Mar. 2026 was MXN1,223.39 Mil.
Its Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 was MXN3,667.42 Mil.
EZCORP (MEX:EZPW) Operating Margin % Explanation
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
EZCORP Operating Margin % Related Terms
EZCORP Operating Margin % Historical Data
* Premium members only.
The historical data trend for EZCORP's Operating 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.
MEX:EZPW vs QFIN, AGM.A, ECPG: Operating Margin % Comparison
For the Credit Services subindustry, EZCORP's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, EZCORP's Operating Margin % distribution charts can be found below:
* The bar in red indicates where EZCORP's Operating Margin % falls into.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
EZCORP's Operating Margin % for the fiscal year that ended in Sep. 2025 is calculated as
* 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 Operating Margin % of 15.18% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on EZCORP and its competitors. This is 96% above median its historical median of 7.73. Over the past decade, EZCORP's Operating Margin % has ranged from 0.86 to 11.69. According to the industry distribution chart, EZCORP ranks #233 out of 412 companies in the Credit Services industry, placing it in the top 56.6%.
Is EZCORP's Operating Margin % too high?
EZCORP's current Operating Margin % of 15.18% is 96% above median its 10-year median of 7.73. Over the past 10 years, this metric has ranged from a low of 0.86 to a high of 11.69. The Credit Services industry median Operating Margin % is 17.33. EZCORP's value of 15.18% is 12.4% below this industry median. Based on the distribution chart, EZCORP ranks #233 out of 412 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 Operating Margin % compare to QFIN and AGM.A?
According to the Credit Services industry distribution chart, EZCORP ranks #233 out of 412 companies for Operating Margin %. This places EZCORP in the lower half of its industry. The industry median Operating Margin % is 17.33. EZCORP's value of 15.18% is 12.4% below this benchmark. Historically, EZCORP's own Operating Margin % has ranged from 0.86 to 11.69 over the past decade. While the company's 10-year median is 7.73 vs. the industry median of 17.33, 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.33, based on 412 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EZCORP's current Operating Margin % of 15.18% is 12.4% 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on EZCORP and its competitors. For the Credit Services industry, the median Operating Margin % is 17.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EZCORP's current Operating Margin % is 15.18%, which is 96% above median its own 10-year median of 7.73. 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 Operating Margin % of 15.18%. The current Operating Margin % is 15.18%, which is 96% above median its 10-year median of 7.73 and 12.4% below the Credit Services industry median of 17.33. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For EZCORP (MEX:EZPW), the current Operating Margin % is 15.18% 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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