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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.13
EZPW's Cash to Debt is ranked lower than
56% of the 1128 Companies
in the Global Specialty Retail industry.

( Industry Median: 1.94 vs. EZPW: 0.13 )
EZPW' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.13

Equity to Asset 0.64
EZPW's Equity to Asset is ranked higher than
83% of the 1120 Companies
in the Global Specialty Retail industry.

( Industry Median: 0.50 vs. EZPW: 0.64 )
EZPW' s 10-Year Equity to Asset Range
Min: 0.5   Max: 0.9
Current: 0.64

0.5
0.9
F-Score: 4
Z-Score: 2.34
M-Score: -2.55
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 : 7/10

vs
industry
vs
history
Operating margin (%) 13.76
EZPW's Operating margin (%) is ranked higher than
91% of the 1124 Companies
in the Global Specialty Retail industry.

( Industry Median: 5.32 vs. EZPW: 13.76 )
EZPW' s 10-Year Operating margin (%) Range
Min: -11.9   Max: 20.3
Current: 13.76

-11.9
20.3
Net-margin (%) 3.37
EZPW's Net-margin (%) is ranked higher than
72% of the 1121 Companies
in the Global Specialty Retail industry.

( Industry Median: 3.52 vs. EZPW: 3.37 )
EZPW' s 10-Year Net-margin (%) Range
Min: -16.5   Max: 14.48
Current: 3.37

-16.5
14.48
ROE (%) 3.73
EZPW's ROE (%) is ranked higher than
59% of the 1103 Companies
in the Global Specialty Retail industry.

( Industry Median: 9.14 vs. EZPW: 3.73 )
EZPW' s 10-Year ROE (%) Range
Min: -31.73   Max: 19.2
Current: 3.73

-31.73
19.2
ROA (%) 2.53
EZPW's ROA (%) is ranked higher than
64% of the 1122 Companies
in the Global Specialty Retail industry.

( Industry Median: 4.34 vs. EZPW: 2.53 )
EZPW' s 10-Year ROA (%) Range
Min: -15.98   Max: 16.98
Current: 2.53

-15.98
16.98
ROC (Joel Greenblatt) (%) 27.46
EZPW's ROC (Joel Greenblatt) (%) is ranked higher than
80% of the 1120 Companies
in the Global Specialty Retail industry.

( Industry Median: 20.04 vs. EZPW: 27.46 )
EZPW' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -16.44   Max: 50.83
Current: 27.46

-16.44
50.83
Revenue Growth (%) 8.30
EZPW's Revenue Growth (%) is ranked higher than
79% of the 995 Companies
in the Global Specialty Retail industry.

( Industry Median: 5.50 vs. EZPW: 8.30 )
EZPW' s 10-Year Revenue Growth (%) Range
Min: -6.1   Max: 19.8
Current: 8.3

-6.1
19.8
EBITDA Growth (%) -1.40
EZPW's EBITDA Growth (%) is ranked higher than
63% of the 818 Companies
in the Global Specialty Retail industry.

( Industry Median: 6.10 vs. EZPW: -1.40 )
EZPW' s 10-Year EBITDA Growth (%) Range
Min: -8.2   Max: 39.2
Current: -1.4

-8.2
39.2
EPS Growth (%) -18.50
EZPW's EPS Growth (%) is ranked higher than
55% of the 779 Companies
in the Global Specialty Retail industry.

( Industry Median: 7.20 vs. EZPW: -18.50 )
EZPW' s 10-Year EPS Growth (%) Range
Min: -26.3   Max: 81.7
Current: -18.5

-26.3
81.7
» EZPW's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

EZPW Guru Trades in Q3 2013

Jim Simons 46,118 sh (+7.21%)
Joel Greenblatt 21,564 sh (+7.13%)
Private Capital 2,018,525 sh (-2.83%)
» More
Q4 2013

EZPW Guru Trades in Q4 2013

Paul Tudor Jones 49,207 sh (New)
Chuck Royce 16,300 sh (New)
David Dreman 2,111 sh (New)
Jim Simons 663,609 sh (+1338.94%)
Private Capital Sold Out
Joel Greenblatt 18,220 sh (-15.51%)
» More
Q1 2014

EZPW Guru Trades in Q1 2014

First Pacific Advisors 297,500 sh (New)
Chuck Royce 1,268,532 sh (+7682.4%)
Joel Greenblatt Sold Out
David Dreman Sold Out
Jim Simons 448,718 sh (-32.38%)
Paul Tudor Jones 23,382 sh (-52.48%)
» More
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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2014-03-31 Sold Out 0.01%$9.35 - $13.31 $ 10.48-11%0
David Dreman 2014-03-31 Sold Out $9.35 - $13.31 $ 10.48-11%0
David Dreman 2013-12-31 New Buy$10.12 - $16.62 $ 10.48-21%2111
Joel Greenblatt 2013-06-30 Add 36.79%$16.77 - $20.85 $ 10.48-44%20128
John Keeley 2012-12-31 Sold Out 0.42%$16.87 - $23.22 $ 10.48-46%0
Joel Greenblatt 2012-12-31 Reduce -79.56%0.08%$16.87 - $23.22 $ 10.48-46%12889
Joel Greenblatt 2012-09-30 Reduce -37.06%0.06%$21.86 - $25.29 $ 10.48-55%63069
John Keeley 2012-06-30 Add 49.86%0.14%$22.11 - $32.83 $ 10.48-59%807000
Joel Greenblatt 2012-06-30 Add 98.89%0.08%$22.11 - $32.83 $ 10.48-59%100201
John Keeley 2012-03-31 Add 368.26%0.28%$25.83 - $32.92 $ 10.48-62%538500
Joel Greenblatt 2012-03-31 Add 60.57%0.05%$25.83 - $32.92 $ 10.48-62%50380
John Keeley 2011-12-31 New Buy0.06%$25.57 - $30.8 $ 10.48-62%115000
Joel Greenblatt 2011-12-31 Add 64.11%0.04%$25.57 - $30.8 $ 10.48-62%31376
Mario Gabelli 2011-12-31 Sold Out 0.002%$25.57 - $30.8 $ 10.48-62%0
Mario Gabelli 2011-09-30 Reduce -33.9%$27.2 - $38.07 $ 10.48-68%7800
Premium More recent guru trades are included for Premium Members only!!
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Ratios

vs
industry
vs
history
P/E(ttm) 32.30
EZPW's P/E(ttm) is ranked higher than
59% of the 1176 Companies
in the Global Specialty Retail industry.

( Industry Median: 22.90 vs. EZPW: 32.30 )
EZPW' s 10-Year P/E(ttm) Range
Min: 6   Max: 3262.5
Current: 32.3

6
3262.5
P/B 0.58
EZPW's P/B is ranked higher than
93% of the 1176 Companies
in the Global Specialty Retail industry.

( Industry Median: 2.00 vs. EZPW: 0.58 )
EZPW' s 10-Year P/B Range
Min: 0.52   Max: 3.81
Current: 0.58

0.52
3.81
P/S 0.57
EZPW's P/S is ranked higher than
68% of the 1176 Companies
in the Global Specialty Retail industry.

( Industry Median: 0.80 vs. EZPW: 0.57 )
EZPW' s 10-Year P/S Range
Min: 0.34   Max: 2.26
Current: 0.57

0.34
2.26
PFCF 9.79
EZPW's PFCF is ranked higher than
93% of the 1176 Companies
in the Global Specialty Retail industry.

( Industry Median: 82.84 vs. EZPW: 9.79 )
EZPW' s 10-Year PFCF Range
Min: 5.12   Max: 21.28
Current: 9.79

5.12
21.28
EV-to-EBIT 8.02
EZPW's EV-to-EBIT is ranked higher than
90% of the 1176 Companies
in the Global Specialty Retail industry.

( Industry Median: 16.01 vs. EZPW: 8.02 )
EZPW' s 10-Year EV-to-EBIT Range
Min: 3   Max: 16.9
Current: 8.02

3
16.9
PEG 4.13
EZPW's PEG is ranked higher than
79% of the 1176 Companies
in the Global Specialty Retail industry.

( Industry Median: 9999.00 vs. EZPW: 4.13 )
EZPW' s 10-Year PEG Range
Min: 0.2   Max: 20.24
Current: 4.13

0.2
20.24
Shiller P/E 5.63
EZPW's Shiller P/E is ranked higher than
98% of the 1176 Companies
in the Global Specialty Retail industry.

( Industry Median: 46.80 vs. EZPW: 5.63 )
EZPW' s 10-Year Shiller P/E Range
Min: 5.01   Max: 183.58
Current: 5.63

5.01
183.58
Current Ratio 5.02
EZPW's Current Ratio is ranked higher than
96% of the 764 Companies
in the Global Specialty Retail industry.

( Industry Median: 1.64 vs. EZPW: 5.02 )
EZPW' s 10-Year Current Ratio Range
Min: 1.12   Max: 13.57
Current: 5.02

1.12
13.57
Quick Ratio 4.00
EZPW's Quick Ratio is ranked higher than
97% of the 764 Companies
in the Global Specialty Retail industry.

( Industry Median: 0.86 vs. EZPW: 4.00 )
EZPW' s 10-Year Quick Ratio Range
Min: 0.74   Max: 7.68
Current: 4

0.74
7.68

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.19
EZPW's Price/Tangible Book is ranked higher than
81% of the 1176 Companies
in the Global Specialty Retail industry.

( Industry Median: 2.86 vs. EZPW: 1.19 )
EZPW' s 10-Year Price/Tangible Book Range
Min: 0.17   Max: 4.18
Current: 1.19

0.17
4.18
Price/DCF (Projected) 0.32
EZPW's Price/DCF (Projected) is ranked higher than
99% of the 1176 Companies
in the Global Specialty Retail industry.

( Industry Median: 2.61 vs. EZPW: 0.32 )
EZPW' s 10-Year Price/DCF (Projected) Range
Min: 0.28   Max: 2.48
Current: 0.32

0.28
2.48
Price/Median PS Value 0.47
EZPW's Price/Median PS Value is ranked higher than
95% of the 1176 Companies
in the Global Specialty Retail industry.

( Industry Median: 1.09 vs. EZPW: 0.47 )
EZPW' s 10-Year Price/Median PS Value Range
Min: 0.06   Max: 1.77
Current: 0.47

0.06
1.77
Price/Graham Number 1.24
EZPW's Price/Graham Number is ranked higher than
79% of the 1176 Companies
in the Global Specialty Retail industry.

( Industry Median: 2.38 vs. EZPW: 1.24 )
EZPW' s 10-Year Price/Graham Number Range
Min: 0.46   Max: 3.88
Current: 1.24

0.46
3.88
Earnings Yield (Greenblatt) 12.50
EZPW's Earnings Yield (Greenblatt) is ranked higher than
86% of the 1051 Companies
in the Global Specialty Retail industry.

( Industry Median: 7.00 vs. EZPW: 12.50 )
EZPW' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.9   Max: 33.1
Current: 12.5

5.9
33.1
Forward Rate of Return (Yacktman) 16.73
EZPW's Forward Rate of Return (Yacktman) is ranked higher than
82% of the 866 Companies
in the Global Specialty Retail industry.

( Industry Median: 8.00 vs. EZPW: 16.73 )
EZPW' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -8   Max: 44.6
Current: 16.73

-8
44.6

Business Description

Industry: Retail - Apparel & Specialty » Specialty Retail
Compare:TSCO, AMZN, EBAY, FIVE, AZO » details
Traded in other countries:EZ2A.Germany
EZCORP, Inc. is a Delaware corporation. It lends or provides credit services to individuals who do not have cash resources or access to credit to meet their short-term cash needs. It operates pawn stores in the United States under the 'EZPAWN' and 'Value Pawn' brands, and in Mexico under the 'EMPENO FACIL' and 'EMPENE SU ORO' brands. It also operates short-term consumer loan stores in the United States principally under the 'EZMONEY' brand and in Canada under the 'CASHMAX' brand. It also owns approximately 30% of the outstanding stock of Albemarle and Bond Holdings PLC, one of the United Kingdom's largest pawnbroking businesses with 115 stores, and Cash Converters International Limited, which franchises and operates approximately 500 locations worldwide. At its pawn stores, it offers pawn loans, which are non-recourse loans collateralized by tangible personal property, and sell merchandise to customers looking for good value. The merchandise it sells consists primarily of pre-owned collateral forfeited from its pawn lending activities or purchased from customers. The Company manages its business as three segments - U.S. Pawn Operations, Empeno Facil and EZMONEY Operations. It encounters significant competition in connection with all of its activities. The Company's 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
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 
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comment on EZPW Mar 14 2013 
comment on EZPW Feb 15 2013 
comment on EZPW Jan 04 2013 
comment on EZPW Jan 03 2013 
recession proof comp Jan 03 2013 

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User Comments

BrianTrader
ReplyBrianTrader - 1 month ago
Rrurban,
what do you think it's worth?
Rrurban
ReplyRrurban - 3 months ago
20 yr DCF, 15% DR, starting at $50M FCF with 0% growth. Add-in liquidation value of $5/sh

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