10 Year Financial Data of EZCorp, Inc. (EZPW)

18.81 (1y: -22%)

Market Cap	1.01 B	P/E(ttm)	7.40
Enterprise Value	1.14 B	P/B	1.20

EZPW- NAS (USA)
EZCorp, Inc.

Currently 4.5/5

Business Predictability Rank: 4.5-Star (On Watch)
Back Testing Results:
Average gain of all 4.5-Star stocks: 10.6% per year.
% of Stocks that are in still loss if held for 10yrs: 10%.
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$18.81

2 Severe Warning Signs 2 Medium Warning Signs 3 Good Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	16.4	16.7	6.7
EBITDA Growth (%)	30	23	-1.9
Free Cash Flow Growth (%)	24.7	21.7	9.3
Book Value Growth (%)	23.4	26.2	19

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	5.48	5.79	6.24	7.47	8.61	10.56	12.43	14.79	17.26	19.41	19.83	5.02	4.46	5.03	5.32	5.02
EBITDA per Share	0.47	0.55	0.74	1.22	1.51	1.99	2.38	3.16	3.82	4.43	4.16	1.09	0.91	1.11	1.04	1.10
Free Cashflow per Share	0.29	0.49	0.55	0.76	0.92	1.02	1.28	2.00	2.26	2.05	2.00	--	0.03	0.66	0.41	0.90
Earnings per Share ($)	0.01	0.23	0.36	0.69	0.88	1.21	1.42	1.96	2.43	2.81	2.53	0.73	0.56	0.75	0.59	0.63
Book Value per Share	2.80	2.97	3.28	4.03	4.99	6.30	8.65	10.48	13.19	16.33	17.61	14.80	15.31	16.24	17.50	17.61
Month End Stock Price	2.06	2.95	5.45	12.89	13.47	18.80	13.66	20.04	28.54	22.93	21.30	32.46	23.46	22.93	19.89	21.30
Ratios	Annuals											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	0.30	7.80	11.00	17.20	17.50	19.20	16.50	18.70	18.40	17.20	14.40	19.60	14.40	18.40	13.60	14.40
Return on Assets %	0.20	5.60	8.90	14.80	15.10	17.00	13.90	16.00	16.10	11.80	10.40	14.40	10.00	12.80	9.20	10.40
Return on Capital - Joel Greenblatt %	8.00	12.30	19.20	36.70	40.80	42.70	41.40	50.80	50.20	44.30	48.00	64.00	38.00	45.60	40.00	48.00
Debt to Equity	0.29	0.21	0.05	--	--	--	0.08	0.05	0.03	0.27	0.18	0.18	0.27	0.27	0.26	0.18

Gross Margin %	58.30	61.30	64.30	66.20	68.30	69.50	60.20	61.00	61.50	62.90	63.90	63.10	63.40	63.20	63.30	63.90
Operating Margin %	4.40	6.30	8.70	13.60	14.90	16.10	17.00	19.40	20.00	20.30	18.70	21.70	17.10	20.00	16.90	18.70
Net Margin %	0.20	4.00	5.80	9.30	10.20	11.50	11.50	13.30	14.10	14.50	12.50	14.50	12.50	14.90	11.10	12.50

Days Sales Outstanding	109	16.30	18.30	75.60	80.10	80.80	83.10	81.70	81.10	96.40	79.30	69.40	94.50	92.30	88.00	79.30
Days Inventory	126	40.20	122	122	117	113	98.40	91.40	98.60	108	108	84.50	103	105	108	108
Inventory Turnover	2.90	9.10	3.00	3.00	3.10	3.20	3.70	4.00	3.70	3.40	0.80	1.10	0.90	0.90	0.80	0.80

Debt to Revenue	0.15	0.11	0.03	--	--	--	0.06	0.03	0.02	0.22	0.64	0.52	0.91	0.86	0.86	0.64
COGS to Revenue	0.42	0.39	0.36	0.34	0.32	0.30	0.40	0.39	0.38	0.37	0.36	0.37	0.37	0.37	0.37	0.36
Inventory to Revenue	0.14	0.04	0.12	0.11	0.10	0.09	0.11	0.10	0.10	0.11	0.43	0.34	0.41	0.42	0.43	0.43
Interest Exp. to Revenue %	-0.97	-0.67	-0.50	0.03	0.37	0.01	-0.19	-0.16	-0.19	-0.09	-1.38	-0.88	-0.39	2.69	-1.31	-1.38

Asset Turnover	1.34	1.39	1.54	1.60	1.48	1.48	1.21	1.21	1.15	0.82	0.21	0.25	0.20	0.21	0.21	0.21
Buyback Ratio	--	--	-6.20	-14.90	-3.90	-0.80	--	--	--	--	--	--	--	--	--	--
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue	206	228	254	316	372	457	597	733	869	992	1,037	256	229	258	277	272
Cost of Goods Sold	86.10	88.20	90.68	107	118	139	238	286	334	368	379	94.66	83.70	95.03	102	98.15
Gross Profit	120	140	163	209	254	318	360	447	535	624	658	162	145	163	175	174

Selling, General, &Admin. Expense	102	118	133	157	189	231	247	289	342	398	440	98.62	98.41	106	121	114
Earnings Before DDA	17.87	21.79	30.34	51.60	65.35	86.03	114	157	192	227	218	55.71	46.54	57.18	54.39	59.76

Depreciation, Depletion and Amortization	8.78	7.51	8.10	8.61	9.81	12.35	12.75	14.66	18.34	25.27	29.17	--	7.38	5.38	7.65	8.76

Operating Income	9.09	14.27	22.23	42.99	55.54	73.68	101	142	174	201	189	55.71	39.17	51.80	46.74	51.00
Interest Income/Expense	-2.01	-1.53	-1.28	0.08	1.37	0.06	-1.14	-1.20	-1.65	-0.93	-1.34	-2.25	-0.90	6.95	-3.64	-3.75
Net Income	0.36	9.12	14.75	29.26	37.87	52.43	68.47	97.29	122	144	132	37.26	28.52	38.57	30.72	33.98

Earnings per Share ($)	0.01	0.23	0.36	0.69	0.88	1.21	1.42	1.96	2.43	2.81	2.53	0.73	0.56	0.75	0.59	0.63
Total Shares Outstanding	37.66	39.37	40.72	42.26	43.23	43.33	48.08	49.58	50.37	51.13	54.25	51.07	51.34	51.41	52.11	54.25
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	2.50	2.51	4.17	29.94	22.53	27.44	44.76	25.85	23.97	48.48	41.44	47.50	50.77	48.48	46.67	41.44
Accounts Receivable	61.64	10.15	12.77	65.40	81.66	101	136	164	193	262	237	196	238	262	268	237
Inventory	29.76	9.71	30.29	35.62	37.94	43.21	64.00	71.50	90.37	109	117	87.89	94.42	109	120	117
Other Current Assets	9.89	89.33	67.03	11.06	15.11	20.04	32.60	40.64	48.74	61.58	59.34	52.67	59.55	61.58	67.24	59.34
Total Current Assets	104	112	114	142	157	192	277	302	356	481	454	384	442	481	502	454

Property, Plant and Equipment	25.37	25.85	26.96	29.45	33.81	40.08	51.15	62.29	78.50	108	119	95.05	100	108	115	119
Intangible Assets	--	--	--	--	16.21	24.38	101	117	193	420	494	360	400	420	489	494
Other Long Term Assets	24.54	26.78	24.22	26.40	43.92	52.35	63.26	125	129	209	248	191	195	209	232	248
Total Assets	154	164	165	198	251	309	493	606	756	1,218	1,314	1,029	1,138	1,218	1,337	1,314

Accounts Payable	11.10	14.95	18.99	22.58	25.59	29.43	34.41	53.35	56.39	57.71	63.30	75.87	70.70	57.71	71.38	63.30
Current Portion of Long-Term Debt	--	--	--	--	--	--	10.00	10.00	--	21.68	35.45	23.26	31.52	21.68	28.10	35.45
Other Current Liabilities	1.79	3.69	2.32	1.89	6.78	2.57	4.18	6.11	7.88	28.45	44.29	7.19	6.74	28.45	30.65	44.29
Total Current Liabilities	12.89	18.64	21.31	24.47	32.38	32.00	48.59	69.46	64.27	108	143	106	109	108	130	143

Long-Term Debt	31.00	25.00	7.00	--	--	--	25.00	15.00	17.50	200	138	109	177	200	209	138
Other Long-Term Liabilities	4.32	3.96	3.60	3.25	2.89	3.67	3.25	2.52	10.43	75.51	78.17	58.04	66.84	75.51	86.37	78.17
Total Liabilities	48.21	47.59	31.91	27.72	35.26	35.67	76.83	86.98	92.20	383	359	273	352	383	425	359

Common Stock	0.12	0.12	0.13	0.41	0.41	0.42	0.49	0.49	0.50	0.51	0.54	0.51	0.51	0.51	0.54	0.54
Retained Earnings	-9.16	-0.04	14.71	43.97	81.85	134	203	300	422	566	631	499	527	566	597	631
Additional Paid-In Capital	116	117	118	125	131	136	217	225	242	269	315	258	267	269	313	315
Treasury Stock	-0.04	-0.04	-0.04	-0.04	-0.04	-0.01	--	--	--	--	--	--	--	--	--	--
Total Equity	105	117	134	170	216	273	416	519	664	835	955	756	786	835	912	955
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	0.36	9.12	14.75	29.26	37.87	52.43	68.47	97.29	122	151	141	--	29.71	44.14	32.16	34.88
Depreciation, Depletion and Amortization	8.78	7.51	8.10	8.61	9.81	12.35	12.75	14.66	18.34	25.27	29.17	--	7.38	5.38	7.65	8.76
Cash Flow from Others	4.13	10.59	8.87	5.37	5.72	-2.44	-0.60	12.77	7.94	-25.40	-17.15	--	-24.66	-3.20	-9.30	20.02
Cash Flow from Operations	13.26	27.23	31.72	43.24	53.41	62.34	80.62	125	148	150	153	--	12.42	46.32	30.51	63.66

Investment for Property, Plant & Equipement	-2.49	-7.96	-9.23	-11.05	-13.74	-18.16	-19.26	-25.74	-34.78	-45.80	-47.06	--	-10.95	-12.60	-8.91	-14.60
Cash Flow from Acquisitions	--	--	--	-2.19	-23.20	-15.47	-40.92	-21.84	-67.92	-129	-57.77	--	-42.09	-3.40	-12.28	-0.00
Cash Flow from Investing	-1.02	-21.26	-12.97	-15.90	-62.91	-58.40	-73.02	-137	-137	-211	-190	--	-90.87	-49.18	-47.76	-2.07

Net Issuance of Stock	--	--	0.91	4.35	1.46	0.42	-0.44	--	--	--	--	--	--	--	--	--
Net Issuance of Debt	-11.25	-5.55	-18.00	-7.00	--	--	3.44	-10.00	-7.50	91.82	38.94	--	82.08	7.40	16.41	-66.95
Other Financing	--	-0.41	-0.00	1.08	0.63	0.55	6.73	3.46	-6.25	-7.64	-9.93	--	-1.09	-7.63	-0.79	-0.42
Cash Flow from Financing	-11.25	-5.96	-17.09	-1.57	2.10	0.97	9.73	-6.53	-13.76	84.18	29.02	--	80.99	-0.23	15.62	-67.36

Net Change in Cash	1.00	0.01	1.66	25.77	-7.41	4.91	17.32	-18.91	-1.89	24.51	-6.06	--	3.28	-2.30	-1.81	-5.23

Free Cash Flow	10.77	19.26	22.50	32.19	39.67	44.19	61.35	98.98	114	105	106	--	1.48	33.71	21.60	49.06
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score
Beneish M-Score

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EZPW Quarterly/Annuals Reports

EZPW: 10-Q - EZCORP INC (0000876523) (Filer): (10-Q) - 2013-02-07
EZPW: 10-K - EZCORP INC (0000876523) (Filer): (10-K) - 2012-11-20
EZPW: 10-Q - EZCORP INC (0000876523) (Filer): (10-Q) - 2012-08-08
EZPW: 10-Q - EZCORP INC (0000876523) (Filer): (10-Q) - 2012-05-10
EZPW: 10-Q - EZCORP INC (0000876523) (Filer): (10-Q) - 2012-02-08

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