Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the interest coverage ratio high or low?
The interest coverage ratio of 6.48x is in line with its 5-year average of 6.50x, around the middle of its 5-year range (0.67x–13.33x).
4.84% above its 12-month average of 6.18x.
Reported quarterly interest coverage; no daily interpolation. Q3 FY2026 (2026-06-30): 6.56x.
INTEREST COVERAGE RATIO
6.48x
INTEREST COVERAGE RATIO AVG TTM
6.18x
INTEREST COVERAGE RATIO AVG 3Y
7.11x
INTEREST COVERAGE RATIO AVG 5Y
6.50x
INTEREST COVERAGE RATIO AVG 10Y
4.04x
INTEREST COVERAGE RATIO AVG 15Y
3.93x
INTEREST COVERAGE RATIO AVG 20Y
4.25x
CURRENT VS TTM AVG
+4.84%
CURRENT VS 3Y AVG
-8.88%
CURRENT VS 5Y AVG
-0.33%
CURRENT VS 10Y AVG
+60.53%
CURRENT VS 15Y AVG
+64.80%
CURRENT VS 20Y AVG
+52.46%
SECTOR MEDIAN · FINANCIAL SERVICES
4.27x
median of 34 covered companies
CURRENT VS SECTOR MEDIAN
+51.93%
vs the sector median at left
EZCORP, Inc.
Market Cap
$1.79B
Interest Coverage Ratio
6.48x
TTM Avg
6.18x
3Y Avg
7.11x
5Y Avg
6.50x
Market Cap
$1.80B
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.84B
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.85B
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.69B
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.89B
Interest Coverage Ratio
N/A
TTM Avg
3.30x
3Y Avg
3.30x
5Y Avg
3.30x
Market Cap
$1.67B
Interest Coverage Ratio
3.13x
TTM Avg
5.73x
3Y Avg
4.13x
5Y Avg
4.38x
Market Cap
$1.66B
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | INTEREST COVERAGE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| EZCORP, Inc. (EZPW) | $1.79B | 6.48x | 6.18x | 7.11x | 6.50x |
| Happen, Inc. Common Stock (HAPN)vs › | $1.80B | N/A | N/A | N/A | N/A |
| FirstSun Capital Bancorp (FSUN)vs › | $1.84B | N/A | N/A | N/A | N/A |
| Hope Bancorp, Inc. (HOPE)vs › | $1.73B | N/A | N/A | N/A | N/A |
| German American Bancorp, Inc. (GABC)vs › | $1.85B | N/A | N/A | N/A | N/A |
| Bank First Corporation (BFC)vs › | $1.69B | N/A | N/A | N/A | N/A |
| Apex Treasury Corporation Class A (APXT)vs › | $1.89B | N/A | 3.30x | 3.30x | 3.30x |
| Goosehead Insurance, Inc (GSHD)vs › | $1.67B | 3.13x | 5.73x | 4.13x | 4.38x |
| Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ)vs › | $1.66B | N/A | N/A | N/A | N/A |
| ConnectOne Bancorp, Inc. (CNOBP)vs › | $1.65B | N/A | N/A | N/A | N/A |
Interest Coverage
6.5x
Debt/Equity
0.70
Current Ratio
4.81
Formula: Interest Coverage = EBIT / Interest Expense
Reference ranges:
Note: Interest coverage should be compared with historical interest expense, operating income, and industry capital structure.
Interest Coverage = EBIT / Interest Expense
The interest coverage ratio measures operating earnings relative to interest expense.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | INTEREST COVERAGE RATIO |
|---|---|
| 2026-06-30 | 6.56x |
| 2026-03-31 | 8.12x |
| 2025-12-31 | 7.42x |
| 2025-09-30 | 4.54x |
| 2025-06-30 | 4.26x |
| 2025-03-31 | 10.44x |
| 2024-12-31 | 13.33x |
| 2024-09-30 | 8.12x |
| 2024-06-30 | 6.26x |
| 2024-03-31 | 8.02x |
| 2023-12-31 | 10.78x |
| 2023-09-30 | 4.78x |
| 2023-06-30 | 6.04x |
| 2023-03-31 | 7.89x |
| 2022-12-31 | 4.56x |
| 2022-09-30 | 6.41x |
| 2022-06-30 | 5.06x |
| 2022-03-31 | 9.58x |
| 2021-12-31 | 9.14x |
| 2021-09-30 | 1.39x |
| 2021-06-30 | 0.67x |
| 2021-03-31 | 1.93x |
| 2020-12-31 | 1.65x |
| 2020-09-30 | -4.57x |
| 2020-06-30 | -0.79x |
| 2020-03-31 | -5.22x |
| 2019-12-31 | 2.53x |
| 2019-09-30 | 1.24x |
| 2019-06-30 | 0.89x |
| 2019-03-31 | 1.95x |
| 2018-12-31 | 1.68x |
| 2018-09-30 | 2.06x |
| 2018-06-30 | 1.64x |
| 2018-03-31 | 3.12x |
| 2017-12-31 | 3.38x |
| 2017-09-30 | 1.10x |
| 2017-06-30 | 2.01x |
| 2017-03-31 | 2.85x |
| 2016-12-31 | 2.53x |
| 2016-09-30 | 0.52x |
| 2016-06-30 | 1.65x |
| 2016-03-31 | 3.29x |
| 2015-12-31 | 1.78x |
| 2015-09-30 | -6.16x |
| 2015-06-30 | -0.57x |
| 2015-03-31 | 1.10x |
| 2014-12-31 | 1.34x |
| 2014-09-30 | 1.89x |
| 2014-06-30 | 1.25x |
| 2014-03-31 | 3.26x |
| 2013-12-31 | 5.53x |
| 2013-09-30 | 3.69x |
| 2013-06-30 | 6.93x |
| 2013-03-31 | 14.07x |
| 2012-12-31 | 13.37x |
| 2012-06-30 | 39.36x |
| 2012-03-31 | 21.76x |
| 2011-12-31 | 92.82x |
| 2011-09-30 | 104.48x |
| 2011-06-30 | 63.17x |
| 2011-03-31 | 149.61x |
| 2010-12-31 | 131.35x |
| 2010-09-30 | 127.80x |
| 2010-06-30 | 92.55x |
| 2010-03-31 | 86.30x |
| 2009-12-31 | 106.54x |
| 2009-09-30 | 83.98x |
| 2009-06-30 | 50.14x |
| 2009-03-31 | 58.79x |
| 2008-12-31 | 133.41x |
| 2008-06-30 | 226.39x |
| 2008-03-31 | 262.83x |
| 2007-12-31 | 236.17x |
