EZPW · CIK 0000876523 · FY2025 live · 2025-09-30

EZCORP INC

SafeSEC 10-KZ″Consumer89th percentile in Consumer · 430 names

View as

Model

Z″

FY2025

5.81

Zone

Safe

Prior

—

Market DD

—

1y PD

—

Meridian Rank

85.64

0–100 · Z″ tape · not a PD

Book standing
87
Year change
—
Market PD
—
O-score
82

Events on this name

Same published rows as Today. Not a live recompute.

Approaching grey
watch · 41
- Live Z: — → 5.81
- Cut: — → 1.10

5.81

Classic Z 2.58

−21.12.68+

Z″ 5.81 · distress below 1.10, grey to 2.60, safe above.

Z″ factor contributions

X1 Working capital / assets
Short-term liquidity. Carries more weight in Z″ than in classic Z.
0.47
6.56 × = 3.11
X2 Retained earnings / assets
Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.
0.31
3.26 × = 1.02
X3 EBIT / assets
Operating return on assets. Highest weight in Z″.
0.08
6.72 × = 0.51
X4 Book equity / liabilities
Book equity versus the liability stack. Sales / assets is omitted so asset-light names are not punished for turnover.
1.11
1.05 × = 1.16

Five-year path

Need two annual 10-Ks to draw a path. The desk will pull this issuer’s filings rather than invent a series.

Overview

rule-v1

EZCORP INC is on Z″ at 5.81 (safe) for FY2025, from an SEC 10-K. Working capital / assets is the line that sets the print. This is the first live year on the desk. No market tape loaded. Z″ drops sales/assets so asset-light names are not punished for turnover. X4 is book equity on every name.

Book screen Safe; market PD —. Tape not priced — not a single default call.

Market DD · naive Merton

No market tape yet.

Pull a year of closes (Yahoo, Nasdaq if Yahoo is limited) and size equity from Nasdaq cap or EDGAR shares. Distance-to-default and 1-year PD stay blank until then.

Sector peers

Closest Z″ scores · 89th percentile in Consumer.

KPI widgets

Current assets

$1.1B

Total assets

$2.0B

Current liabilities

$201M

Total liabilities

$926M

Working capital

$925M

Retained earnings

$613M

EBIT

$149M

Total sales

$1.3B

Book equity

$1.0B

Accession 0000876523-25-000094. Live rank is the latest 10-K on EDGAR (FY2025, period 2025-09-30). Z″ is the live score. View as does not rewrite the live rank. X4 is book equity. Pulled 13 Sept 2026.