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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.16
EZPW's Cash to Debt is ranked lower than
67% of the 288 Companies
in the Global Credit Services industry.

( Industry Median: 0.87 vs. EZPW: 0.16 )
Ranked among companies with meaningful Cash to Debt only.
EZPW' s Cash to Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.12 Max: No Debt
Current: 0.16
Equity to Asset 0.56
EZPW's Equity to Asset is ranked higher than
60% of the 299 Companies
in the Global Credit Services industry.

( Industry Median: 0.47 vs. EZPW: 0.56 )
Ranked among companies with meaningful Equity to Asset only.
EZPW' s Equity to Asset Range Over the Past 10 Years
Min: 0.5  Med: 0.70 Max: 0.88
Current: 0.56
0.5
0.88
F-Score: 3
Z-Score: 1.54
M-Score: -2.86
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) -1.13
EZPW's Operating margin (%) is ranked lower than
81% of the 307 Companies
in the Global Credit Services industry.

( Industry Median: 18.28 vs. EZPW: -1.13 )
Ranked among companies with meaningful Operating margin (%) only.
EZPW' s Operating margin (%) Range Over the Past 10 Years
Min: -1.13  Med: 15.53 Max: 21.15
Current: -1.13
-1.13
21.15
Net-margin (%) -10.97
EZPW's Net-margin (%) is ranked lower than
84% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 14.47 vs. EZPW: -10.97 )
Ranked among companies with meaningful Net-margin (%) only.
EZPW' s Net-margin (%) Range Over the Past 10 Years
Min: -10.97  Med: 10.82 Max: 14.74
Current: -10.97
-10.97
14.74
ROE (%) -10.95
EZPW's ROE (%) is ranked lower than
91% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 6.61 vs. EZPW: -10.95 )
Ranked among companies with meaningful ROE (%) only.
EZPW' s ROE (%) Range Over the Past 10 Years
Min: -11.46  Med: 19.45 Max: 21.44
Current: -10.95
-11.46
21.44
ROA (%) -6.39
EZPW's ROA (%) is ranked lower than
88% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 2.19 vs. EZPW: -6.39 )
Ranked among companies with meaningful ROA (%) only.
EZPW' s ROA (%) Range Over the Past 10 Years
Min: -6.59  Med: 16.49 Max: 18.73
Current: -6.39
-6.59
18.73
ROC (Joel Greenblatt) (%) -9.49
EZPW's ROC (Joel Greenblatt) (%) is ranked lower than
85% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 11.57 vs. EZPW: -9.49 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
EZPW' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: -9.61  Med: 49.21 Max: 60.52
Current: -9.49
-9.61
60.52
Revenue Growth (3Y)(%) -8.70
EZPW's Revenue Growth (3Y)(%) is ranked lower than
71% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. EZPW: -8.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
EZPW' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.7  Med: 6.90 Max: 19.8
Current: -8.7
-8.7
19.8
» EZPW's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

EZPW Guru Trades in Q1 2015

Joel Greenblatt 27,717 sh (New)
Chuck Royce 1,500,462 sh (-2.37%)
» More
Q2 2015

EZPW Guru Trades in Q2 2015

Jim Simons 241,818 sh (New)
Paul Tudor Jones 32,500 sh (New)
Joel Greenblatt 29,778 sh (+7.44%)
Chuck Royce 613,956 sh (-59.08%)
» More
Q3 2015

EZPW Guru Trades in Q3 2015

James Barrow 79,808 sh (New)
First Eagle Investment 65,725 sh (New)
Jim Simons 310,376 sh (+28.35%)
Paul Tudor Jones Sold Out
Joel Greenblatt Sold Out
Chuck Royce 414,000 sh (-32.57%)
» More
Q4 2015

EZPW Guru Trades in Q4 2015

James Barrow 93,833 sh (+17.57%)
» More
» Details

Insider Trades

Latest Guru Trades with EZPW

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/B 0.22
EZPW's P/B is ranked higher than
96% of the 406 Companies
in the Global Credit Services industry.

( Industry Median: 1.09 vs. EZPW: 0.22 )
Ranked among companies with meaningful P/B only.
EZPW' s P/B Range Over the Past 10 Years
Min: 0.22  Med: 1.66 Max: 3.81
Current: 0.22
0.22
3.81
P/S 0.18
EZPW's P/S is ranked higher than
98% of the 412 Companies
in the Global Credit Services industry.

( Industry Median: 2.62 vs. EZPW: 0.18 )
Ranked among companies with meaningful P/S only.
EZPW' s P/S Range Over the Past 10 Years
Min: 0.2  Med: 1.22 Max: 2.26
Current: 0.18
0.2
2.26
PFCF 2.59
EZPW's PFCF is ranked higher than
85% of the 125 Companies
in the Global Credit Services industry.

( Industry Median: 10.93 vs. EZPW: 2.59 )
Ranked among companies with meaningful PFCF only.
EZPW' s PFCF Range Over the Past 10 Years
Min: 2.62  Med: 12.24 Max: 21.28
Current: 2.59
2.62
21.28
POCF 1.80
EZPW's POCF is ranked higher than
89% of the 159 Companies
in the Global Credit Services industry.

( Industry Median: 9.65 vs. EZPW: 1.80 )
Ranked among companies with meaningful POCF only.
EZPW' s POCF Range Over the Past 10 Years
Min: 1.82  Med: 8.64 Max: 15.61
Current: 1.8
1.82
15.61
Shiller P/E 2.58
EZPW's Shiller P/E is ranked higher than
94% of the 49 Companies
in the Global Credit Services industry.

( Industry Median: 12.17 vs. EZPW: 2.58 )
Ranked among companies with meaningful Shiller P/E only.
EZPW' s Shiller P/E Range Over the Past 10 Years
Min: 2.61  Med: 31.65 Max: 187.43
Current: 2.58
2.61
187.43
Current Ratio 2.67
EZPW's Current Ratio is ranked lower than
51% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 2.76 vs. EZPW: 2.67 )
Ranked among companies with meaningful Current Ratio only.
EZPW' s Current Ratio Range Over the Past 10 Years
Min: 2.67  Med: 5.63 Max: 10.42
Current: 2.67
2.67
10.42
Quick Ratio 2.08
EZPW's Quick Ratio is ranked lower than
57% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 2.70 vs. EZPW: 2.08 )
Ranked among companies with meaningful Quick Ratio only.
EZPW' s Quick Ratio Range Over the Past 10 Years
Min: 1.97  Med: 4.20 Max: 6.46
Current: 2.08
1.97
6.46
Days Inventory 133.14
EZPW's Days Inventory is ranked lower than
72% of the 65 Companies
in the Global Credit Services industry.

( Industry Median: 32.12 vs. EZPW: 133.14 )
Ranked among companies with meaningful Days Inventory only.
EZPW' s Days Inventory Range Over the Past 10 Years
Min: 82.37  Med: 106.77 Max: 150.55
Current: 133.14
82.37
150.55
Days Sales Outstanding 23.45
EZPW's Days Sales Outstanding is ranked higher than
52% of the 153 Companies
in the Global Credit Services industry.

( Industry Median: 31.48 vs. EZPW: 23.45 )
Ranked among companies with meaningful Days Sales Outstanding only.
EZPW' s Days Sales Outstanding Range Over the Past 10 Years
Min: 4.57  Med: 21.69 Max: 98.12
Current: 23.45
4.57
98.12
Days Payable 42.98
EZPW's Days Payable is ranked higher than
53% of the 55 Companies
in the Global Credit Services industry.

( Industry Median: 33.00 vs. EZPW: 42.98 )
Ranked among companies with meaningful Days Payable only.
EZPW' s Days Payable Range Over the Past 10 Years
Min: 10.06  Med: 17.21 Max: 77.11
Current: 42.98
10.06
77.11

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 6.97
EZPW's Price/Net Current Asset Value is ranked lower than
70% of the 202 Companies
in the Global Credit Services industry.

( Industry Median: 2.51 vs. EZPW: 6.97 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
EZPW' s Price/Net Current Asset Value Range Over the Past 10 Years
Min: 0.75  Med: 2.94 Max: 16.24
Current: 6.97
0.75
16.24
Price/Tangible Book 0.48
EZPW's Price/Tangible Book is ranked higher than
84% of the 386 Companies
in the Global Credit Services industry.

( Industry Median: 1.24 vs. EZPW: 0.48 )
Ranked among companies with meaningful Price/Tangible Book only.
EZPW' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.17  Med: 1.21 Max: 3.14
Current: 0.48
0.17
3.14
Price/Projected FCF 0.11
EZPW's Price/Projected FCF is ranked higher than
93% of the 138 Companies
in the Global Credit Services industry.

( Industry Median: 0.93 vs. EZPW: 0.11 )
Ranked among companies with meaningful Price/Projected FCF only.
EZPW' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.26  Med: 0.77 Max: 1.44
Current: 0.11
0.26
1.44
Price/Median PS Value 0.15
EZPW's Price/Median PS Value is ranked higher than
96% of the 369 Companies
in the Global Credit Services industry.

( Industry Median: 0.94 vs. EZPW: 0.15 )
Ranked among companies with meaningful Price/Median PS Value only.
EZPW' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.06  Med: 0.56 Max: 1.46
Current: 0.15
0.06
1.46
Earnings Yield (Greenblatt) (%) -10.51
EZPW's Earnings Yield (Greenblatt) (%) is ranked lower than
91% of the 293 Companies
in the Global Credit Services industry.

( Industry Median: 3.70 vs. EZPW: -10.51 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
EZPW' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -10.47  Med: 12.30 Max: 19.6
Current: -10.51
-10.47
19.6
Forward Rate of Return (Yacktman) (%) 23.06
EZPW's Forward Rate of Return (Yacktman) (%) is ranked higher than
80% of the 79 Companies
in the Global Credit Services industry.

( Industry Median: 8.29 vs. EZPW: 23.06 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
EZPW' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -6.9  Med: 31.80 Max: 45.8
Current: 23.06
-6.9
45.8

More Statistics

Revenue(Mil) $788
EPS $ -1.55
Beta2.00
Short Percentage of Float8.06%
52-Week Range $2.55 - 10.76
Shares Outstanding(Mil)54.84

Latest Earnings Webcast

Call starts at Jan 05, 2016 04:30 PM EST

» More Conference Calls

Business Description

Industry: Credit Services » Credit Services
Compare:TSCO, AMZN, EBAY, FIVE, AZO » details
Traded in other countries:EZ2A.Germany,
EZCorp Inc is a Delaware corporation formed in 1989. The Company is the provider of pawn loans in the United States and Mexico and consumer loans in Mexico. At its pawn stores, 522 in the U.S. and 232 in Mexico, the Company offer pawn loans, which are non-recourse loans collateralized by tangible property and sells merchandise, collateral forfeited from pawn lending operations and used merchandise purchased from customers. The Company's segment consists of U.S. Pawn, which includes its EZPAWN, Value Pawn & Jewelry and other branded pawn operations in the United States; Mexico Pawn, which includes Empeño Fácil pawn operations and Cash Converters buy/sell store operations in Mexico; Grupo Finmart, which includes Crediamigo and Adex payroll withholding loan operations in Mexico; and Other International, which includes CASHMAX financial services operations in Canada and equity interest in the net income (loss) of Cash Converters International. In addition to three core businesses (U.S. Pawn, Mexico Pawn and Grupo Finmart), the Company operates 27 CASHMAX financial services locations in Canada and owns 32% of Cash Converters International Ltd, based in Australia, which franchises and operates a network of over 700 locations that provide financial services and also buy and sell second-hand goods. At its North American pawn stores, it offers secured loans, which are typically small, non-recourse loans collateralized by tangible personal property. The Company competes with other pawn stores, credit service organizations, banks, credit unions and other financial institutions, such as consumer finance companies. Its competitors for merchandise sales include numerous retail and wholesale stores, such as jewelry stores, discount retail stores, consumer electronics stores, other pawn stores, other resale stores, electronic commerce retailers and auction sites. The Company operates U.S. pawn stores under the names EZPAWN or Value Pawn and the Mexico pawn stores under the name EMPEÑO FÁCIL. In Mexico, it offers payroll withholding loans under the names Crediamigo and Adex. It has few stores in Mexico that operate under the name Cash Converters. It has registered with the United States Patent and Trademark Office the names EZPAWN and EZCORP, among others. It also holds a trademark in Mexico for the name EMPEÑO FÁCIL.
» More Articles for EZPW

Headlines

Articles On GuruFocus.com
5-year lows: Dorchester Minerals LP, First Potomac Realty Trust, Acacia Research Corporation, and EZ Jun 28 2015 
A Recent Spin-Off Down 25% Apr 21 2015 
Guru Stocks at Five-year Lows Oct 13 2014 
EZCorp: A Compelling Case Apr 25 2013 
Absolute P/E Valuations of the Top 5 Buffett-Munger Stocks Jan 02 2012 
Value Idea: Cash America International (CSH) — Where Cash Is King Jun 13 2011 
EZCORP Inc. Reports Operating Results (10-Q) Feb 08 2011 
EZCORP Inc. Reports Operating Results (10-K) Nov 24 2010 
Expansion into Mexico Could Move Undervalued EZCorp. into Hyper-growth Mode Jun 16 2010 
EZCORP Inc. Reports Operating Results (10-Q) Feb 05 2010 

More From Other Websites
Edited Transcript of EZPW earnings conference call or presentation 9-Feb-16 1:30pm GMT Feb 10 2016
EZCORP Inc Earnings Call scheduled for 8:30 am ET today Feb 09 2016
EZCORP INC Files SEC form 10-Q, Quarterly Report Feb 09 2016
EZCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Feb 09 2016
3:35 am EZCORP misses by $0.07, beats on revs Feb 09 2016
EZCORP Announces First Quarter Fiscal 2016 Results Feb 08 2016
Q1 2016 EZCORP Inc Earnings Release - After Market Close Feb 08 2016
EZCORP, Inc. to Release First Quarter FY2016 Results After Market Close on Monday, February 8, 2016 Feb 04 2016
EZCORP INC Files SEC form 8-K, Change in Directors or Principal Officers Jan 08 2016
Credit Service and Lending - Chairman and Co-CEO Invests $8.5 Million in WINS Jan 07 2016
Edited Transcript of EZPW earnings conference call or presentation 5-Jan-16 9:30pm GMT Jan 05 2016
EZCORP INC Files SEC form 8-K, Regulation FD Disclosure Jan 05 2016
EZCORP, Inc. Fiscal 2015 Year End Earnings Conference Call Details Jan 05 2016
EZCORP, Inc. Fiscal 2015 Year End Earnings Conference Call Details Jan 05 2016
Payday loan operator that shuttered dozens of locations in SA looks towards Mexico for 2016 Dec 31 2015
EZCORP INC Financials Dec 31 2015
EZCORP INC Files SEC form 8-K, Results of Operations and Financial Condition Dec 31 2015
EZCORP ANNOUNCES FISCAL 2015 FINANCIAL RESULTS Dec 31 2015
Ezcorp reports 4Q loss Dec 31 2015
Ezcorp reports 4Q loss Dec 31 2015

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