EZCORPMEX:EZPW 68 Return-on-Tangible-Equity is 32.71% as of Mar. 2026, which is 246% above its 10-year median of 9.46. GuruFocus rates MEX:EZPW with a GF Score™ of 68/100. The stock has 5 warning signs investors should review. Among 525 Credit Services companies, EZCORP ranks better than 89.14% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. EZCORP's annualized net income for the quarter that ended in Mar. 2026 was MXN3,541.84 Mil. EZCORP's average shareholder tangible equity for the quarter that ended in Mar. 2026 was MXN10,827.34 Mil. Therefore, EZCORP's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 32.71%.
The historical rank and industry rank for EZCORP's Return-on-Tangible-Equity or its related term are showing as below:
MEX:EZPW'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -23.21 Med: 9.46 Max: 20.27
Current: 24.91
During the past 13 years, EZCORP's highest Return-on-Tangible-Equity was 20.27%. The lowest was -23.21%. And the median was 9.46%.
MEX:EZPW's Return-on-Tangible-Equity is ranked better than 89.14% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs MEX:EZPW: 24.91
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
EZCORP Return-on-Tangible-Equity Related Terms
EZCORP Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for EZCORP's Return-on-Tangible-Equity 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-Equity Comparison
For the Credit Services subindustry, EZCORP's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, EZCORP's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where EZCORP's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 32.71% mean?
EZCORP (MEX:EZPW) has a Return-on-Tangible-Equity of 32.71% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on EZCORP and its competitors. This is 246% above median its historical median of 9.46. According to the industry distribution chart, EZCORP ranks #57 out of 525 companies in the Credit Services industry, placing it in the top 10.9%.
Is EZCORP's Return-on-Tangible-Equity too high?
EZCORP's current Return-on-Tangible-Equity of 32.71% is 246% above median its 10-year median of 9.46. The Credit Services industry median Return-on-Tangible-Equity is 7.01. EZCORP's value of 32.71% is 366.6% above this industry median. Based on the distribution chart, EZCORP ranks #57 out of 525 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-Equity compare to AGM.A and ECPG?
According to the Credit Services industry distribution chart, EZCORP ranks #57 out of 525 companies for Return-on-Tangible-Equity. This places EZCORP in the top 11% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.01. EZCORP's value of 32.71% is 366.6% above this benchmark. While the company's 10-year median is 9.46 vs. the industry median of 7.01, 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-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EZCORP's current Return-on-Tangible-Equity of 32.71% is 366.6% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on EZCORP and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EZCORP's current Return-on-Tangible-Equity is 32.71%, which is 246% above median its own 10-year median of 9.46. 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-Equity of 32.71%. The current Return-on-Tangible-Equity is 32.71%, which is 246% above median its 10-year median of 9.46 and 366.6% above the Credit Services industry median of 7.01. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For EZCORP (MEX:EZPW), the current Return-on-Tangible-Equity is 32.71% 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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