EZCORP vs Navient
EZCORP reported revenue of $1.3 billion in fiscal 2025, 2.1 times Navient's $610 million in fiscal 2025. EZCORP's revenue grew 9.7% in its latest year, and Navient's fell 47.0%. Their fiscal years end in different months (September 30 and December 31), so the periods don't line up exactly.
Side by side
| EZCORP | Navient | |
|---|---|---|
| Latest fiscal year | FY2025, Sep 30, 2025 | FY2025, Dec 31, 2025 |
| Revenue | $1.3B | $610M |
| Revenue growth | 9.7% | −47.0% |
| Revenue growth a year, last 5 years | 9.1% | −18.4% |
| Gross margin | 58.5% | — |
| Operating margin | 11.7% | — |
| Net margin | 8.6% | −13.1% |
| Free cash flow | $110M | — |
| Free cash flow margin | 8.7% | — |
| Return on capital | 10.9% | 4.0% |
| Net debt to EBITDA | 0.3x | — |
| Dividends and buybacks | $7M | $174M |
| Change in diluted share count | −1.3% | −10.8% |
| Last close | $28.55 | $8.42 |
| P/E at the last close | 14.4× | — |
| Insider trades, last 12 months | sold $5.5 million | — |
| Piotroski F-score | 7 of 9 | — |
Amounts in each company's own currency, US$ unless marked (a foreign company may report in another), each company's latest fiscal year from its 10-K, or 20-F or 40-F for a foreign company. Growth rates compare with the year before; the five-year rate is the average a year. Free cash flow is cash from operations minus capital spending; return on capital is after-tax operating income over the money invested in the business; P/E is the last close over the latest earnings per share. Banks are measured differently (return on equity, efficiency ratio), so some rows apply to one company only.
Ten years
Revenue
US$ billions, fiscal years
EZCORPNavient
Operating margin
Percent of revenue
EZCORPNavient
Free cash flow
US$ billions. Cash from operations minus capital expenditure.
EZCORPNavient