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EZPW

EZCORP, INC.
CIK 0000876523 ยท EDGAR โ†—
cleanelevatedtriggeredno dataplanned
0.0
composite ยท 2 signals ยท CLEAN

Every card below shows the score and the exact filing data it was computed from โ€” no unexplained numbers. Some signals (P-02, P-03, P-08, P-09, P-10, P-11) pull live documents from SEC EDGAR the first time you view this company; a few of those (P-03, P-10, P-11) use AI to read the filing text, but every AI claim must quote the actual document verbatim or it's discarded โ€” never a guess.

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Signals

P-05 ยท FY 2025-09-30 ยท CLEAN0.0

Tax arbitrage

ETR 25.3% โ€” within normal range of statutory
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2025-11-13) โ†—
Evidence โ€” inputs and thresholds
{
  "etr_by_year": {
    "2025-09-30": 0.2532,
    "2024-09-30": 0.2812,
    "2023-09-30": 0.2551
  },
  "statutory_rate": 0.21,
  "gap_by_year": {
    "2025-09-30": -0.0432,
    "2024-09-30": -0.0712,
    "2023-09-30": -0.0451
  },
  "note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
  "stale": false,
  "latest_filing_period": "2025-09-30",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/876523/000087652325000094/0000876523-25-000094-index.htm",
    "form": "10-K",
    "filed": "2025-11-13"
  }
}
P-13 ยท FY 2023-09-30 ยท CLEAN0.0

Zombie / distress

[FY2023 data, stale โ€” no more recent EBIT figure in XBRL] Interest coverage 5.60x โ€” servicing debt from operations
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2023-11-15) โ†—
Evidence โ€” inputs and thresholds
{
  "icr_by_year": {
    "2025-09-30": null,
    "2024-09-30": null,
    "2023-09-30": 5.6,
    "2022-09-30": 7.513
  },
  "consecutive_years_below_1": 0,
  "altman_z_double_prime": 3.738,
  "definitions": {
    "zombie": "ICR<1 for 3+ consecutive FYs (BIS 2018)",
    "z_distress": "<1.1 distress, 1.1-2.6 gray, >2.6 safe"
  },
  "inputs": {
    "ebit_t": 92150000,
    "interest_expense_t": 16456000
  },
  "stale": true,
  "latest_filing_period": "2025-09-30",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/876523/000087652323000045/0000876523-23-000045-index.htm",
    "form": "10-K",
    "filed": "2023-11-15"
  }
}