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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 0.22
EZPW's Cash to Debt is ranked lower than
73% of the 248 Companies
in the Global Credit Services industry.

( Industry Median: 209.25 vs. EZPW: 0.22 )
Ranked among companies with meaningful Cash to Debt only.
EZPW' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.20 Max: No Debt
Current: 0.22
Equity to Asset 0.64
EZPW's Equity to Asset is ranked higher than
79% of the 173 Companies
in the Global Credit Services industry.

( Industry Median: 0.36 vs. EZPW: 0.64 )
Ranked among companies with meaningful Equity to Asset only.
EZPW' s 10-Year Equity to Asset Range
Min: 0.5  Med: 0.74 Max: 0.9
Current: 0.64
0.5
0.9
F-Score: 4
Z-Score: 2.32
M-Score: -3.10
WACC vs ROIC
8.71%
5.26%
WACC
ROIC
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 : 6/10

vs
industry
vs
history
Operating margin (%) 9.07
EZPW's Operating margin (%) is ranked lower than
68% of the 262 Companies
in the Global Credit Services industry.

( Industry Median: 20.45 vs. EZPW: 9.07 )
Ranked among companies with meaningful Operating margin (%) only.
EZPW' s 10-Year Operating margin (%) Range
Min: -11.9  Med: 8.46 Max: 21.15
Current: 9.07
-11.9
21.15
Net-margin (%) -5.46
EZPW's Net-margin (%) is ranked lower than
86% of the 264 Companies
in the Global Credit Services industry.

( Industry Median: 15.81 vs. EZPW: -5.46 )
Ranked among companies with meaningful Net-margin (%) only.
EZPW' s 10-Year Net-margin (%) Range
Min: -16.5  Med: 4.33 Max: 14.74
Current: -5.46
-16.5
14.74
ROE (%) -5.74
EZPW's ROE (%) is ranked lower than
90% of the 260 Companies
in the Global Credit Services industry.

( Industry Median: 7.74 vs. EZPW: -5.74 )
Ranked among companies with meaningful ROE (%) only.
EZPW' s 10-Year ROE (%) Range
Min: -27.33  Med: 7.30 Max: 21.44
Current: -5.74
-27.33
21.44
ROA (%) -3.79
EZPW's ROA (%) is ranked lower than
89% of the 273 Companies
in the Global Credit Services industry.

( Industry Median: 2.62 vs. EZPW: -3.79 )
Ranked among companies with meaningful ROA (%) only.
EZPW' s 10-Year ROA (%) Range
Min: -14.88  Med: 5.74 Max: 18.73
Current: -3.79
-14.88
18.73
ROC (Joel Greenblatt) (%) 15.95
EZPW's ROC (Joel Greenblatt) (%) is ranked lower than
51% of the 265 Companies
in the Global Credit Services industry.

( Industry Median: 16.23 vs. EZPW: 15.95 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
EZPW' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -17.96  Med: 17.28 Max: 60.52
Current: 15.95
-17.96
60.52
Revenue Growth (3Y)(%) 1.80
EZPW's Revenue Growth (3Y)(%) is ranked lower than
56% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. EZPW: 1.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
EZPW' s 10-Year Revenue Growth (3Y)(%) Range
Min: -6.1  Med: 7.20 Max: 19.8
Current: 1.8
-6.1
19.8
EBITDA Growth (3Y)(%) -15.50
EZPW's EBITDA Growth (3Y)(%) is ranked lower than
63% of the 165 Companies
in the Global Credit Services industry.

( Industry Median: -3.40 vs. EZPW: -15.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
EZPW' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -15.5  Med: 19.55 Max: 39.2
Current: -15.5
-15.5
39.2
EPS Growth (3Y)(%) -28.70
EZPW's EPS Growth (3Y)(%) is ranked lower than
79% of the 169 Companies
in the Global Credit Services industry.

( Industry Median: 4.30 vs. EZPW: -28.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
EZPW' s 10-Year EPS Growth (3Y)(%) Range
Min: -28.7  Med: 27.05 Max: 81.7
Current: -28.7
-28.7
81.7
» EZPW's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

EZPW Guru Trades in Q2 2014

Richard Snow 152,830 sh (New)
Chuck Royce 2,121,462 sh (+67.24%)
Paul Tudor Jones 35,500 sh (+51.83%)
First Pacific Advisors 297,500 sh (unchged)
Jim Simons 398,350 sh (-11.22%)
» More
Q3 2014

EZPW Guru Trades in Q3 2014

Jeremy Grantham 30,100 sh (New)
Chuck Royce 2,303,462 sh (+8.58%)
Jim Simons Sold Out
Richard Snow Sold Out
First Pacific Advisors 147,500 sh (-50.42%)
Paul Tudor Jones 17,500 sh (-50.70%)
» More
Q4 2014

EZPW Guru Trades in Q4 2014

First Pacific Advisors Sold Out
Paul Tudor Jones Sold Out
Jeremy Grantham Sold Out
Chuck Royce 1,536,862 sh (-33.28%)
» More
Q1 2015

EZPW Guru Trades in Q1 2015

Joel Greenblatt 27,717 sh (New)
Chuck Royce 1,500,462 sh (-2.37%)
» 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
Forward P/E 5.17
EZPW's Forward P/E is ranked higher than
89% of the 65 Companies
in the Global Credit Services industry.

( Industry Median: 11.00 vs. EZPW: 5.17 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 7.90
EZPW's PE(NRI) is ranked higher than
81% of the 209 Companies
in the Global Credit Services industry.

( Industry Median: 16.00 vs. EZPW: 7.90 )
Ranked among companies with meaningful PE(NRI) only.
EZPW' s 10-Year PE(NRI) Range
Min: 5.89  Med: 12.44 Max: 26.23
Current: 7.9
5.89
26.23
P/B 0.42
EZPW's P/B is ranked higher than
87% of the 246 Companies
in the Global Credit Services industry.

( Industry Median: 1.12 vs. EZPW: 0.42 )
Ranked among companies with meaningful P/B only.
EZPW' s 10-Year P/B Range
Min: 0.37  Med: 1.70 Max: 3.81
Current: 0.42
0.37
3.81
P/S 0.36
EZPW's P/S is ranked higher than
96% of the 256 Companies
in the Global Credit Services industry.

( Industry Median: 3.39 vs. EZPW: 0.36 )
Ranked among companies with meaningful P/S only.
EZPW' s 10-Year P/S Range
Min: 0.34  Med: 1.22 Max: 2.26
Current: 0.36
0.34
2.26
PFCF 6.20
EZPW's PFCF is ranked higher than
65% of the 65 Companies
in the Global Credit Services industry.

( Industry Median: 8.51 vs. EZPW: 6.20 )
Ranked among companies with meaningful PFCF only.
EZPW' s 10-Year PFCF Range
Min: 5.12  Med: 11.77 Max: 21.28
Current: 6.2
5.12
21.28
POCF 4.26
EZPW's POCF is ranked higher than
76% of the 91 Companies
in the Global Credit Services industry.

( Industry Median: 8.03 vs. EZPW: 4.26 )
Ranked among companies with meaningful POCF only.
EZPW' s 10-Year POCF Range
Min: 3.63  Med: 8.36 Max: 15.61
Current: 4.26
3.63
15.61
EV-to-EBIT 6.82
EZPW's EV-to-EBIT is ranked higher than
88% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 19.71 vs. EZPW: 6.82 )
Ranked among companies with meaningful EV-to-EBIT only.
EZPW' s 10-Year EV-to-EBIT Range
Min: 3  Med: 8.20 Max: 16.9
Current: 6.82
3
16.9
PEG 19.75
EZPW's PEG is ranked lower than
100% of the 61 Companies
in the Global Credit Services industry.

( Industry Median: 0.80 vs. EZPW: 19.75 )
Ranked among companies with meaningful PEG only.
EZPW' s 10-Year PEG Range
Min: 0.2  Med: 0.41 Max: 7.01
Current: 19.75
0.2
7.01
Shiller P/E 4.39
EZPW's Shiller P/E is ranked higher than
94% of the 88 Companies
in the Global Credit Services industry.

( Industry Median: 13.21 vs. EZPW: 4.39 )
Ranked among companies with meaningful Shiller P/E only.
EZPW' s 10-Year Shiller P/E Range
Min: 4.09  Med: 18.77 Max: 183.58
Current: 4.39
4.09
183.58
Current Ratio 5.34
EZPW's Current Ratio is ranked higher than
73% of the 128 Companies
in the Global Credit Services industry.

( Industry Median: 2.13 vs. EZPW: 5.34 )
Ranked among companies with meaningful Current Ratio only.
EZPW' s 10-Year Current Ratio Range
Min: 1.12  Med: 5.76 Max: 12.36
Current: 5.34
1.12
12.36
Quick Ratio 4.19
EZPW's Quick Ratio is ranked higher than
70% of the 128 Companies
in the Global Credit Services industry.

( Industry Median: 2.01 vs. EZPW: 4.19 )
Ranked among companies with meaningful Quick Ratio only.
EZPW' s 10-Year Quick Ratio Range
Min: 0.74  Med: 4.33 Max: 7.68
Current: 4.19
0.74
7.68
Days Inventory 132.27
EZPW's Days Inventory is ranked lower than
73% of the 52 Companies
in the Global Credit Services industry.

( Industry Median: 38.68 vs. EZPW: 132.27 )
Ranked among companies with meaningful Days Inventory only.
EZPW' s 10-Year Days Inventory Range
Min: 82.37  Med: 130.64 Max: 194.53
Current: 132.27
82.37
194.53
Days Sales Outstanding 11.36
EZPW's Days Sales Outstanding is ranked higher than
64% of the 178 Companies
in the Global Credit Services industry.

( Industry Median: 26.32 vs. EZPW: 11.36 )
Ranked among companies with meaningful Days Sales Outstanding only.
EZPW' s 10-Year Days Sales Outstanding Range
Min: 4.57  Med: 18.13 Max: 83.1
Current: 11.36
4.57
83.1

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 2.44
EZPW's Price/Net Current Asset Value is ranked higher than
55% of the 65 Companies
in the Global Credit Services industry.

( Industry Median: 2.59 vs. EZPW: 2.44 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
EZPW' s 10-Year Price/Net Current Asset Value Range
Min: 0.73  Med: 2.25 Max: 15.03
Current: 2.44
0.73
15.03
Price/Tangible Book 0.72
EZPW's Price/Tangible Book is ranked higher than
72% of the 240 Companies
in the Global Credit Services industry.

( Industry Median: 1.18 vs. EZPW: 0.72 )
Ranked among companies with meaningful Price/Tangible Book only.
EZPW' s 10-Year Price/Tangible Book Range
Min: 0.17  Med: 1.16 Max: 4.18
Current: 0.72
0.17
4.18
Price/Projected FCF 0.23
EZPW's Price/Projected FCF is ranked higher than
86% of the 74 Companies
in the Global Credit Services industry.

( Industry Median: 0.84 vs. EZPW: 0.23 )
Ranked among companies with meaningful Price/Projected FCF only.
EZPW' s 10-Year Price/Projected FCF Range
Min: 0.28  Med: 0.89 Max: 2.48
Current: 0.23
0.28
2.48
Price/Median PS Value 0.29
EZPW's Price/Median PS Value is ranked higher than
93% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. EZPW: 0.29 )
Ranked among companies with meaningful Price/Median PS Value only.
EZPW' s 10-Year Price/Median PS Value Range
Min: 0.06  Med: 0.56 Max: 1.75
Current: 0.29
0.06
1.75
Price/Graham Number 0.50
EZPW's Price/Graham Number is ranked higher than
86% of the 128 Companies
in the Global Credit Services industry.

( Industry Median: 0.90 vs. EZPW: 0.50 )
Ranked among companies with meaningful Price/Graham Number only.
EZPW' s 10-Year Price/Graham Number Range
Min: 0.44  Med: 0.94 Max: 1.86
Current: 0.5
0.44
1.86
Earnings Yield (Greenblatt) (%) 14.68
EZPW's Earnings Yield (Greenblatt) (%) is ranked higher than
91% of the 253 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. EZPW: 14.68 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
EZPW' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 5.9  Med: 12.20 Max: 33.1
Current: 14.68
5.9
33.1
Forward Rate of Return (Yacktman) (%) 22.43
EZPW's Forward Rate of Return (Yacktman) (%) is ranked higher than
83% of the 76 Companies
in the Global Credit Services industry.

( Industry Median: -2.34 vs. EZPW: 22.43 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
EZPW' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 3.8  Med: 31.60 Max: 46.3
Current: 22.43
3.8
46.3

Analyst Estimate

Sep15
EPS($) 1.96
EPS without NRI($) 1.96

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 provides consumer financial services. It delivers instant cash solutions to its customers through a variety of channels, products, services and markets. It offers its customers multiple ways to access instant cash through 1,342 locations and branches across the United States, Mexico, Canada and the United Kingdom. It offers these products through its four primary channels: in-store, online, worksite and mobile platforms. It offers a variety of instant cash solutions, including collateralized, non-recourse loans, commonly known as pawn loans, and a variety of short-term consumer loans, including single- and multiple-payment unsecured loans and single- and multiple-payment auto title loans. The Company manages its business as three segments: The U.S. & Canada segment, which includes all business activities in the United States and Canada; the Latin America segment, which includes its Empeño Fácil pawn operations and Grupo Finmart financial services operations in Mexico; and the Other International segment, which includes the Cash Genie online business in the U.K. It operates its U.S. pawn stores under the names EZPAWN or Value Pawn and the Mexico pawn stores under the name EMPEÑO FÁCIL. Its U.S financial services stores operate under a variety of names, including EZMONEY Payday Loans, EZ Loan Services, EZ Payday Advance and EZPAWN Payday Loans, and its CSO stores operate under the name EZMONEY Loan Services. Its financial services and buy/sell stores in Canada operate under the names CASHMAX or Cash Converters. In Mexico, it offers payroll withholding loans under the names Crediamigo and Adex. In the U.K it offers consumer loans online under the name "Cash Genie. The Company has registered with the United States patent and trademark office the names EZPAWN, EZMONEY and EZCORP, among others. In addition, it offers consumer loans online in the U.S. and the U.K. operating as EZMONEY.com and CashGenie.com, respectively. The Company holds a trademark in Mexico for the name EMPEÑO FÁCIL and are the master franchise in Canada for the Cash Converters brand. The Company competes with another pawn store, payday lenders, credit service organizations, banks, credit unions and other financial institutions, such as consumer finance companies. The Companys operations are subject to extensive regulation under various federal, state and local statutes, ordinances and regulations.
» More Articles for EZPW

Headlines

Articles On GuruFocus.com
Federman & Sherwood Announces Filing of Securities Class Action Lawsuit Against EZCORP, Inc. Jul 22 2015 
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 
Bernstein Litowitz Berger & Grossmann LLP Announces Securities Class Action Suit Filed Against EZCOR Oct 17 2014 
Kessler Topaz Meltzer & Check, LLP Reminds EZCORP, Inc. (EZPW) Shareholders of Class Action and Upco Oct 15 2014 
Guru Stocks at Five-year Lows Oct 13 2014 
Pass everything 5 st Apr 29 2013 
EZCorp: A Compelling Case Apr 25 2013 
comment on EZPW Apr 02 2013 
comment on EZPW Apr 02 2013 

More From Other Websites
Edited Transcript of EZPW earnings conference call or presentation 29-Jul-15 9:15pm GMT Jul 29 2015
EZCORP ANNOUNCES NEW STRATEGY, STRUCTURE AND BUSINESS FOCUS Jul 29 2015
EZCORP Inc Earnings Call scheduled for 5:15 pm ET today Jul 29 2015
EZCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Jul 29 2015
4:31 pm EZCORP announces changes in its strategy; will focus on growing its core pawn brokering... Jul 29 2015
EZCORP Announces New Strategy, Structure and Business Focus Jul 29 2015
Hagens Berman Alerts Investors in EZCORP, Inc. (NASDAQ GS: EZPW) of Class Action Lawsuit Regarding... Jul 28 2015
ALERT: EZCORP TO PROVIDE STRATEGIC PLAN UPDATE AND HOLD CONFERENCE CALL ON JULY 29, 2015 Jul 27 2015
ALERT: EZCORP to Provide Strategic Plan Update and Hold Conference Call on July 29, 2015 Jul 27 2015
IMPORTANT INVESTOR ALERT: Goldberg Law PC Announces Securities Class Action Lawsuit Against EZCORP,... Jul 24 2015
Ryan & Maniskas, LLP Announces Class Action Lawsuit Against EZCORP, Inc. Jul 23 2015
SHAREHOLDER ALERT: Rigrodsky & Long, P.A. Announces A Securities Fraud Class Action Lawsuit Has Been... Jul 23 2015
SHAREHOLDER ALERT: Faruqi & Faruqi, LLP Encourages Investors Who Suffered Losses in Excess of... Jul 23 2015
EQUITY ALERT: The Rosen Law Firm Announces Filing of Securities Class Action Lawsuit Against EZCORP... Jul 23 2015
Federman & Sherwood Announces Filing of Securities Class Action Lawsuit Against EZCORP, Inc. Jul 22 2015
Block & Leviton Announces that a Class Action Case has been filed against EZCORP, Inc. and Certain... Jul 22 2015
IMPORTANT INVESTOR ALERT: Goldberg Law PC Announces an Investigation of Claims Against EZCORP, Inc.... Jul 21 2015
Bernstein Liebhard LLP Announces That A Class Action Has Been Filed Against EZCORP, Inc. Jul 21 2015
GPM Files Securities Class Action Lawsuit against EZCORP, Inc. Jul 20 2015
EQUITY ALERT: The Rosen Law Firm Announces Investigation of Securities Claims Against EZCORP Inc. -... Jul 20 2015

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