EZCORPMEX:EZPW 68 Return-on-Tangible-Asset is 12.58% as of Mar. 2026, which is 214% above its 10-year median of 4.01. GuruFocus rates MEX:EZPW with a GF Score™ of 68/100. The stock has 5 warning signs investors should review. Among 545 Credit Services companies, EZCORP ranks better than 93.76% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. EZCORP's annualizedNet Income for the quarter that ended in Mar. 2026 was MXN3,541.84 Mil. EZCORP's average total tangible assets for the quarter that ended in Mar. 2026 was MXN28,158.17 Mil. Therefore, EZCORP's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 12.58%.
The historical rank and industry rank for EZCORP's Return-on-Tangible-Asset or its related term are showing as below:
MEX:EZPW'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -10.06 Med: 4.01 Max: 8.13
Current: 9.57
During the past 13 years, EZCORP's highest Return-on-Tangible-Asset was 8.13%. The lowest was -10.06%. And the median was 4.01%.
MEX:EZPW's Return-on-Tangible-Asset is ranked better than 93.76% of 545
companies
in the Credit Services industry
Industry Median: 1.91
vs MEX:EZPW: 9.57
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
EZCORP Return-on-Tangible-Asset Related Terms
EZCORP Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for EZCORP's Return-on-Tangible-Asset 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 AGM.A, ECPG, QFIN: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, EZCORP's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, EZCORP's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where EZCORP's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 12.58% mean?
EZCORP (MEX:EZPW) has a Return-on-Tangible-Asset of 12.58% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on EZCORP and its competitors. This is 214% above median its historical median of 4.01. According to the industry distribution chart, EZCORP ranks #34 out of 545 companies in the Credit Services industry, placing it in the top 6.2%.
Is EZCORP's Return-on-Tangible-Asset too high?
EZCORP's current Return-on-Tangible-Asset of 12.58% is 214% above median its 10-year median of 4.01. The Credit Services industry median Return-on-Tangible-Asset is 1.91. EZCORP's value of 12.58% is 558.6% above this industry median. Based on the distribution chart, EZCORP ranks #34 out of 545 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, EZCORP has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does EZCORP's Return-on-Tangible-Asset compare to AGM.A and ECPG?
According to the Credit Services industry distribution chart, EZCORP ranks #34 out of 545 companies for Return-on-Tangible-Asset. This places EZCORP in the top 6% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.91. EZCORP's value of 12.58% is 558.6% above this benchmark. While the company's 10-year median is 4.01 vs. the industry median of 1.91, 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.91, based on 545 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EZCORP's current Return-on-Tangible-Asset of 12.58% is 558.6% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on EZCORP and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EZCORP's current Return-on-Tangible-Asset is 12.58%, which is 214% above median its own 10-year median of 4.01. 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 Return-on-Tangible-Asset of 12.58%. The current Return-on-Tangible-Asset is 12.58%, which is 214% above median its 10-year median of 4.01 and 558.6% above the Credit Services industry median of 1.91. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For EZCORP (MEX:EZPW), the current Return-on-Tangible-Asset is 12.58% 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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