EZCORP Inc (EZPW) - Net Assets
Based on the latest financial reports, EZCORP Inc (EZPW) has net assets worth $1.07 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.99 Billion) and total liabilities ($916.78 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check EZCORP Inc liquid asset ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.07 Billion |
| % of Total Assets | 53.87% |
| Annual Growth Rate | 10.0% |
| 5-Year Change | 52.55% |
| 10-Year Change | 72.58% |
| Growth Volatility | 22.53 |
EZCORP Inc - Net Assets Trend (1991–2025)
This chart illustrates how EZCORP Inc's net assets have evolved over time, based on quarterly financial data. Also explore EZPW total asset value for the complete picture of this company's asset base.
Annual Net Assets for EZCORP Inc (1991–2025)
The table below shows the annual net assets of EZCORP Inc from 1991 to 2025. For live valuation and market cap data, see EZPW market cap.
| Year | Net Assets | Change |
|---|---|---|
| 2025-09-30 | $1.03 Billion | +27.46% |
| 2024-09-30 | $804.57 Million | +7.88% |
| 2023-09-30 | $745.77 Million | +7.73% |
| 2022-09-30 | $692.23 Million | +2.97% |
| 2021-09-30 | $672.24 Million | +3.56% |
| 2020-09-30 | $649.13 Million | -12.86% |
| 2019-09-30 | $744.95 Million | +0.75% |
| 2018-09-30 | $739.41 Million | +12.04% |
| 2017-09-30 | $659.93 Million | +11.06% |
| 2016-09-30 | $594.21 Million | -11.01% |
| 2015-09-30 | $667.73 Million | -23.83% |
| 2014-09-30 | $876.64 Million | -2.15% |
| 2013-09-30 | $895.88 Million | +0.83% |
| 2012-09-30 | $888.51 Million | +33.76% |
| 2011-09-30 | $664.25 Million | +27.88% |
| 2010-09-30 | $519.43 Million | +24.96% |
| 2009-09-30 | $415.69 Million | +52.24% |
| 2008-09-30 | $273.05 Million | +26.46% |
| 2007-09-30 | $215.93 Million | +26.91% |
| 2006-09-30 | $170.14 Million | +27.40% |
| 2005-09-30 | $133.54 Million | +14.40% |
| 2004-09-30 | $116.73 Million | +10.67% |
| 2003-09-30 | $105.48 Million | +0.89% |
| 2002-09-30 | $104.54 Million | +2.54% |
| 2001-09-30 | $101.96 Million | -0.70% |
| 2000-09-30 | $102.67 Million | -24.34% |
| 1999-09-30 | $135.70 Million | +3.91% |
| 1998-09-30 | $130.60 Million | +7.49% |
| 1997-09-30 | $121.50 Million | +7.52% |
| 1996-09-30 | $113.00 Million | +3.29% |
| 1995-09-30 | $109.40 Million | -12.55% |
| 1994-09-30 | $125.10 Million | +0.97% |
| 1993-09-30 | $123.90 Million | +79.05% |
| 1992-09-30 | $69.20 Million | +72.57% |
| 1991-09-30 | $40.10 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to EZCORP Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 76485.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (September 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $612.69 Million | 59.75% |
| Common Stock | $609.00K | 0.06% |
| Other Comprehensive Income | $-38.70 Million | -3.77% |
| Other Components | $450.89 Million | 43.97% |
| Total Equity | $1.03 Billion | 100.00% |
EZCORP Inc Competitors by Market Cap
The table below lists competitors of EZCORP Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Zoomlion Heavy Industry Science and Technology Co. Ltd
F:8CZ
|
$1.53 Billion |
|
Five-Star Business Finance Limited
NSE:FIVESTAR
|
$1.53 Billion |
|
Norbit ASA
OL:NORBT
|
$1.53 Billion |
|
Changjiang Publishing & Media Co Ltd
SHG:600757
|
$1.53 Billion |
|
Shanxi Lanhua Sci-Tech Venture Co Ltd
SHG:600123
|
$1.53 Billion |
|
Vitrolife AB
ST:VITR
|
$1.53 Billion |
|
Beijing VRV Software Corp Ltd
SHE:300352
|
$1.53 Billion |
|
FLEX LNG Ltd
NYSE:FLNG
|
$1.52 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in EZCORP Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 804,571,000 to 1,025,485,000, a change of 220,914,000 (27.5%).
- Net income of 109,613,000 contributed positively to equity growth.
- Dividend payments of 3,614,000 reduced retained earnings.
- Share repurchases of 6,999,000 reduced equity.
- Other comprehensive income increased equity by 12,844,000.
- Other factors increased equity by 109,070,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $109.61 Million | +10.69% |
| Dividends Paid | $3.61 Million | -0.35% |
| Share Repurchases | $7.00 Million | -0.68% |
| Other Comprehensive Income | $12.84 Million | +1.25% |
| Other Changes | $109.07 Million | +10.64% |
| Total Change | $- | 27.46% |
Book Value vs Market Value Analysis
This analysis compares EZCORP Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.63x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 19.29x to 2.63x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1991-09-30 | $1.68 | $32.36 | x |
| 1992-09-30 | $2.38 | $32.36 | x |
| 1993-09-30 | $3.45 | $32.36 | x |
| 1994-09-30 | $3.48 | $32.36 | x |
| 1995-09-30 | $3.04 | $32.36 | x |
| 1996-09-30 | $3.14 | $32.36 | x |
| 1997-09-30 | $3.90 | $32.36 | x |
| 1998-09-30 | $3.62 | $32.36 | x |
| 1999-09-30 | $3.77 | $32.36 | x |
| 2000-09-30 | $2.85 | $32.36 | x |
| 2001-09-30 | $2.81 | $32.36 | x |
| 2002-09-30 | $2.84 | $32.36 | x |
| 2003-09-30 | $2.80 | $32.36 | x |
| 2004-09-30 | $2.97 | $32.36 | x |
| 2005-09-30 | $3.44 | $32.36 | x |
| 2006-09-30 | $4.19 | $32.36 | x |
| 2007-09-30 | $4.99 | $32.36 | x |
| 2008-09-30 | $6.30 | $32.36 | x |
| 2009-09-30 | $8.65 | $32.36 | x |
| 2010-09-30 | $10.48 | $32.36 | x |
| 2011-09-30 | $13.19 | $32.36 | x |
| 2012-09-30 | $16.30 | $32.36 | x |
| 2013-09-30 | $16.52 | $32.36 | x |
| 2014-09-30 | $16.15 | $32.36 | x |
| 2015-09-30 | $12.28 | $32.36 | x |
| 2016-09-30 | $10.93 | $32.36 | x |
| 2017-09-30 | $12.18 | $32.36 | x |
| 2018-09-30 | $12.83 | $32.36 | x |
| 2019-09-30 | $13.31 | $32.36 | x |
| 2020-09-30 | $11.74 | $32.36 | x |
| 2021-09-30 | $12.02 | $32.36 | x |
| 2022-09-30 | $8.40 | $32.36 | x |
| 2023-09-30 | $9.22 | $32.36 | x |
| 2024-09-30 | $9.53 | $32.36 | x |
| 2025-09-30 | $12.30 | $32.36 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently EZCORP Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.69%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 8.60%
- • Asset Turnover: 0.65x
- • Equity Multiplier: 1.90x
- Recent ROE (10.69%) is above the historical average (3.86%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1991 | 2.74% | 4.62% | 0.52x | 1.14x | $-2.91 Million |
| 1992 | 4.19% | 5.66% | 0.67x | 1.11x | $-4.02 Million |
| 1993 | 4.92% | 5.62% | 0.79x | 1.11x | $-6.29 Million |
| 1994 | 1.44% | 1.07% | 0.96x | 1.39x | $-10.71 Million |
| 1995 | -14.44% | -8.99% | 1.07x | 1.50x | $-26.74 Million |
| 1996 | 3.10% | 2.02% | 1.24x | 1.24x | $-7.80 Million |
| 1997 | 6.91% | 4.66% | 1.19x | 1.24x | $-3.75 Million |
| 1998 | 7.04% | 4.66% | 1.04x | 1.45x | $-3.86 Million |
| 1999 | 4.05% | 2.37% | 0.99x | 1.73x | $-8.07 Million |
| 2000 | -31.73% | -16.50% | 0.97x | 1.98x | $-42.84 Million |
| 2001 | -0.56% | -0.31% | 1.04x | 1.75x | $-10.76 Million |
| 2002 | 2.11% | 1.12% | 1.19x | 1.59x | $-8.25 Million |
| 2003 | 0.34% | 0.18% | 1.34x | 1.46x | $-10.19 Million |
| 2004 | 7.82% | 4.00% | 1.39x | 1.41x | $-2.55 Million |
| 2005 | 11.05% | 5.80% | 1.54x | 1.24x | $1.40 Million |
| 2006 | 17.20% | 9.26% | 1.60x | 1.16x | $12.24 Million |
| 2007 | 17.54% | 10.18% | 1.48x | 1.16x | $16.28 Million |
| 2008 | 19.20% | 11.46% | 1.48x | 1.13x | $25.12 Million |
| 2009 | 16.47% | 11.46% | 1.21x | 1.18x | $26.90 Million |
| 2010 | 18.73% | 13.27% | 1.21x | 1.17x | $45.35 Million |
| 2011 | 18.39% | 14.32% | 1.13x | 1.14x | $55.73 Million |
| 2012 | 16.39% | 14.24% | 0.79x | 1.46x | $53.36 Million |
| 2013 | 2.49% | 2.76% | 0.61x | 1.49x | $-67.28 Million |
| 2014 | -7.72% | -9.08% | 0.53x | 1.60x | $-155.38 Million |
| 2015 | -13.36% | -12.39% | 0.61x | 1.78x | $-155.96 Million |
| 2016 | -13.57% | -11.05% | 0.74x | 1.65x | $-140.24 Million |
| 2017 | 4.74% | 4.20% | 0.73x | 1.55x | $-34.83 Million |
| 2018 | 5.02% | 4.59% | 0.65x | 1.67x | $-36.99 Million |
| 2019 | 0.34% | 0.30% | 0.78x | 1.45x | $-71.95 Million |
| 2020 | -10.55% | -8.32% | 0.69x | 1.84x | $-133.38 Million |
| 2021 | 1.28% | 1.18% | 0.58x | 1.88x | $-58.61 Million |
| 2022 | 7.25% | 5.66% | 0.66x | 1.95x | $-19.06 Million |
| 2023 | 5.16% | 3.67% | 0.71x | 1.97x | $-36.11 Million |
| 2024 | 10.33% | 7.15% | 0.78x | 1.86x | $2.64 Million |
| 2025 | 10.69% | 8.60% | 0.65x | 1.90x | $7.06 Million |
Industry Comparison
This section compares EZCORP Inc's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $4,215,656,516
- Average return on equity (ROE) among peers: 85.60%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| EZCORP Inc (EZPW) | $1.07 Billion | 2.74% | 0.86x | $1.53 Billion |
| Affirm Holdings Inc (AFRM) | $3.07 Billion | 1.70% | 2.63x | $16.59 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $156.65 Million | -95.99% | 31.60x | $1.63 Billion |
| Federal Agricultural Mortgage Corporation (AGM-A) | $248.49 Million | 12.88% | 18.94x | $137.84 Million |
| AIOS Tech Inc. (AIOS) | $53.94 Million | 5.08% | 0.74x | $3.53 Million |
| Ally Financial Inc (ALLY) | $17.05 Billion | 17.95% | 9.70x | $12.59 Billion |
| Antalpha Platform Holding Co (ANTA) | $202.32 Million | 9.14% | 10.90x | $210.67 Million |
| Atlanticus Holdings Corporation (ATLC) | $-22.13 Million | 0.00% | 0.00x | $958.76 Million |
| American Express Company (AXP) | $20.67 Billion | 28.47% | 6.70x | $219.50 Billion |
| Bread Financial Holdings, Inc. (BFH) | $23.09 Million | 838.91% | 357.19x | $3.31 Billion |
| Credit Acceptance Corporation (CACC) | $702.20 Million | 37.91% | 2.97x | $5.39 Billion |
About EZCORP Inc
EZCORP, Inc. provides pawn services in the United States, Mexixo, and Latin America. It operates through U.S. Pawn, Latin America Pawn, and Other Investments segments. The company retails merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. It also provides pawn loans collateralized by tangible personal property, jewelry, con… Read more