What is EZCORP, Inc.'s Shariah compliance score?

EZCORP, Inc. (EZPW) has a Shariah compliance score of 59/100 (Grade: C+, Fair). AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%.

Does EZCORP, Inc. pass AAOIFI screening?

EZCORP, Inc. (EZPW) is rated Doubtful under AAOIFI Shariah screening, which is neither a clear pass nor a clear fail. AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%. EZPW's debt-to-market-cap is 27.2%.

How much purification is needed for EZCORP, Inc.?

Muslim investors purify the portion of dividends and realized gains that comes from non-permissible income by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification computes the percentage and amount for EZCORP, Inc. (EZPW) using the latest financial data.

Where can I screen EZCORP, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for EZCORP, Inc. (EZPW) and 8,200+ securities. US-listed stocks and ETFs are screened under AAOIFI Standard No. 21. Bursa Malaysia securities carry the Securities Commission Malaysia's official status. Coins are screened separately, under published scholarly opinion. The verdict is free, with no credit card or signup required for basic screening. The compliance grade, score, and debt ratio are free too; the full ratio breakdown is part of Pro.

EZPWDoubtfulC+

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Compliance Status

Doubtful

Screened on Oct 12, 2026 · AAOIFI Standard 21

C+

Fair

59Score

Is EZCORP, Inc. (EZPW) halal? Doubtful. Based on AAOIFI screening, EZCORP, Inc. passes the business activity screen but has financial ratios approaching AAOIFI limits with a compliance score of 59/100 (Grade: C+).

Quote this verdict

HalalScreener rates EZCORP, Inc. (EZPW) Doubtful, 59/100, grade C+ under AAOIFI Standard 21, screened Oct 12, 2026. Source: https://halalscreener.app/en/stock/EZPW

AvoidBorderlineClean

Business activity

What the company sells is permissible.

Passed

Company debt

Close to the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

27.2% of 30.0% limit

PRO DETAIL

The verdict above is final and free.

Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.

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Screened according to AAOIFI Standard 21

What this means for you

You may own EZPW, with caution

Its numbers sit close to AAOIFI limits. Cautious investors may prefer alternatives or ask a scholar first.

Purification amount is Pro

We have screened EZPW's prohibited income, but the exact share you would need to purify is part of Pro.

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EZPW: Is EZCORP, Inc. Halal?

EZCORP, Inc.

NASDAQFinancial ServicesUS

$33.00

Market Cap: 1.9B

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About EZCORP, Inc.

EZCORP, Inc. operates primarily by offering collateralized loans, commonly known as pawn loans, to individuals in both the United States and various Latin American countries. These loans are secured by a wide array of personal items, including but not limited to jewelry, consumer electronics, tools, sporting equipment, and musical instruments. Beyond its lending activities, the company also engages in the retail sale of merchandise. This inventory largely comprises items that were once collateral for unredeemed pawn loans, as well as pre-owned goods directly acquired from customers. To further support its clientele, EZCORP provides online platforms, Lana and EZ+, designed to facilitate the management of pawn loans. As of September 30, 2021, EZCORP, Inc. maintained a substantial physical presence, with 516 company-owned and operated pawn shops in the U.S., 508 in Mexico, and an additional 124 locations spread across Guatemala, El Salvador, and Honduras. The company was founded in 1989 and has its corporate headquarters situated in Austin, Texas.

Sector: Financial Services · Industry: Financial - Credit Services

Why This Stock Is Doubtful

Interest-bearing debt is 27.2% of market cap, only 2.8 points below the 30% AAOIFI limit.

Stocks are marked Doubtful when financial ratios pass but approach AAOIFI thresholds. Consider consulting a qualified scholar for a definitive ruling.

Shariah Compliance Status

AAOIFI Standard 21Updated Oct 12, 2026

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Screened according to AAOIFI Standard 21

Compliance History

Doubtfulnow
since Aug 2026
Not Halal
until the change above
Doubtful
until the change above
Not Halal
until the change above

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: Q3 2026Data source: EDGAR

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Frequently Asked Questions

Is EZCORP, Inc. (EZPW) halal to invest in?

EZCORP, Inc. (EZPW) is rated Doubtful under AAOIFI Standard 21. It passes the business activity screen but one or more financial ratios are approaching (though not yet exceeding) the AAOIFI thresholds (30% for debt and interest deposits, 5% for prohibited income). Consult a qualified Islamic finance scholar for a personal ruling.

Why did EZCORP, Inc. get a C+ compliance rating?

EZCORP, Inc. (EZPW) received a grade of C+ (Fair) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 27.2% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change EZCORP, Inc.'s Shariah verdict?

EZCORP, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is EZCORP, Inc. re-screened for Shariah compliance?

EZCORP, Inc. (EZPW) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Oct 12, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.