EZCORPMEX:EZPW 68 3-Year ROIIC % is 17.69 as of Sep. 2025, which is 326% above its 10-year median of 4.15. GuruFocus rates MEX:EZPW with a GF Score™ of 68/100. The stock has 5 warning signs investors should review. Among 393 Credit Services companies, EZCORP ranks better than 82.44% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
EZCORP's 3-Year ROIIC % for the quarter that ended in Sep. 2025 was 17.69%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for EZCORP's 3-Year ROIIC % or its related term are showing as below:
MEX:EZPW's 3-Year ROIIC % is ranked better than 82.44% of 393
companies
in the Credit Services industry
Industry Median: 2.85
vs MEX:EZPW: 17.69
EZCORP (MEX:EZPW) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
EZCORP 3-Year ROIIC % Related Terms
EZCORP 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for EZCORP's 3-Year ROIIC % 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: 3-Year ROIIC % Comparison
For the Credit Services subindustry, EZCORP's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, EZCORP's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where EZCORP's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
EZCORP (MEX:EZPW) has a 3-Year ROIIC % of 17.69 as of Sep. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on EZCORP and its competitors. This is 326% above median its historical median of 4.15. According to the industry distribution chart, EZCORP ranks #69 out of 393 companies in the Credit Services industry, placing it in the top 17.6%.
Is EZCORP's 3-Year ROIIC % too high?
EZCORP's current 3-Year ROIIC % of 17.69 is 326% above median its 10-year median of 4.15. The Credit Services industry median 3-Year ROIIC % is 2.85. EZCORP's value of 17.69 is 520.7% above this industry median. Based on the distribution chart, EZCORP ranks #69 out of 393 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 3-Year ROIIC % compare to AGM.A and ECPG?
According to the Credit Services industry distribution chart, EZCORP ranks #69 out of 393 companies for 3-Year ROIIC %. This places EZCORP in the top 18% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 2.85. EZCORP's value of 17.69 is 520.7% above this benchmark. While the company's 10-year median is 4.15 vs. the industry median of 2.85, 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 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.85, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EZCORP's current 3-Year ROIIC % of 17.69 is 520.7% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on EZCORP and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EZCORP's current 3-Year ROIIC % is 17.69, which is 326% above median its own 10-year median of 4.15. 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 3-Year ROIIC % of 17.69. The current 3-Year ROIIC % is 17.69, which is 326% above median its 10-year median of 4.15 and 520.7% above the Credit Services industry median of 2.85. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For EZCORP (MEX:EZPW), the current 3-Year ROIIC % is 17.69 as of Sep. 2025. 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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