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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.23
EZPW's Cash-to-Debt is ranked lower than
69% of the 388 Companies
in the Global Credit Services industry.

( Industry Median: 8.43 vs. EZPW: 0.23 )
Ranked among companies with meaningful Cash-to-Debt only.
EZPW' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.23 Max: No Debt
Current: 0.23
Equity-to-Asset 0.62
EZPW's Equity-to-Asset is ranked higher than
65% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. EZPW: 0.62 )
Ranked among companies with meaningful Equity-to-Asset only.
EZPW' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.5  Med: 0.73 Max: 0.93
Current: 0.62
0.5
0.93
Interest Coverage 1.47
EZPW's Interest Coverage is ranked lower than
76% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 6.94 vs. EZPW: 1.47 )
Ranked among companies with meaningful Interest Coverage only.
EZPW' s Interest Coverage Range Over the Past 10 Years
Min: 1.47  Med: 78.95 Max: 197.9
Current: 1.47
1.47
197.9
Piotroski F-Score: 7
Altman Z-Score: 2.38
Beneish M-Score: -2.98
WACC vs ROIC
-15.56%
3.14%
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 % 4.39
EZPW's Operating Margin % is ranked lower than
74% of the 385 Companies
in the Global Credit Services industry.

( Industry Median: 18.30 vs. EZPW: 4.39 )
Ranked among companies with meaningful Operating Margin % only.
EZPW' s Operating Margin % Range Over the Past 10 Years
Min: -2.17  Med: 15.53 Max: 20.57
Current: 4.39
-2.17
20.57
Net Margin % -8.82
EZPW's Net Margin % is ranked lower than
82% of the 386 Companies
in the Global Credit Services industry.

( Industry Median: 12.51 vs. EZPW: -8.82 )
Ranked among companies with meaningful Net Margin % only.
EZPW' s Net Margin % Range Over the Past 10 Years
Min: -12.39  Med: 10.82 Max: 14.32
Current: -8.82
-12.39
14.32
ROE % -10.94
EZPW's ROE % is ranked lower than
90% of the 389 Companies
in the Global Credit Services industry.

( Industry Median: 7.30 vs. EZPW: -10.94 )
Ranked among companies with meaningful ROE % only.
EZPW' s ROE % Range Over the Past 10 Years
Min: -12.91  Med: 18.94 Max: 21.44
Current: -10.94
-12.91
21.44
ROA % -6.46
EZPW's ROA % is ranked lower than
90% of the 398 Companies
in the Global Credit Services industry.

( Industry Median: 2.38 vs. EZPW: -6.46 )
Ranked among companies with meaningful ROA % only.
EZPW' s ROA % Range Over the Past 10 Years
Min: -7.43  Med: 15.37 Max: 18.73
Current: -6.46
-7.43
18.73
ROC (Joel Greenblatt) % -13.46
EZPW's ROC (Joel Greenblatt) % is ranked lower than
88% of the 310 Companies
in the Global Credit Services industry.

( Industry Median: 14.02 vs. EZPW: -13.46 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
EZPW' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -13.46  Med: 48.2 Max: 58.33
Current: -13.46
-13.46
58.33
3-Year Revenue Growth Rate -3.80
EZPW's 3-Year Revenue Growth Rate is ranked lower than
66% of the 275 Companies
in the Global Credit Services industry.

( Industry Median: 4.50 vs. EZPW: -3.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
EZPW' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -11  Med: 5.3 Max: 67.2
Current: -3.8
-11
67.2
3-Year EBITDA Growth Rate -18.40
EZPW's 3-Year EBITDA Growth Rate is ranked lower than
84% of the 244 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 vs. EZPW: -18.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
EZPW' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -36.1  Med: 18.55 Max: 39.5
Current: -18.4
-36.1
39.5
GuruFocus has detected 3 Warning Signs with EZCORP Inc $EZPW.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» EZPW's 10-Y Financials

Financials (Next Earnings Date: 2017-08-10 Est.)


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

EZPW Guru Trades in Q1 2016

Charles Brandes 16,124 sh (New)
First Eagle Investment 362,000 sh (+200.41%)
Jim Simons 271,118 sh (+142.66%)
Paul Tudor Jones Sold Out
Barrow, Hanley, Mewhinney & Strauss Sold Out
Chuck Royce 201,000 sh (-51.45%)
» More
Q2 2016

EZPW Guru Trades in Q2 2016

Jim Simons 364,400 sh (+34.41%)
Chuck Royce 201,000 sh (unchged)
First Eagle Investment 362,000 sh (unchged)
Charles Brandes 15,150 sh (-6.04%)
» More
Q3 2016

EZPW Guru Trades in Q3 2016

Jim Simons 1,011,418 sh (+177.56%)
Chuck Royce 201,000 sh (unchged)
First Eagle Investment 362,000 sh (unchged)
Charles Brandes Sold Out
» More
Q4 2016

EZPW Guru Trades in Q4 2016

Jim Simons 1,052,918 sh (+4.10%)
Chuck Royce 201,000 sh (unchged)
First Eagle Investment 362,000 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with EZPW

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Business Description

Industry: Credit Services » Credit Services    NAICS: 522291    SIC: 5999
Compare:NYSE:ENVA, NAS:WRLD, NAS:NEWS, NYSE:AGM, NYSE:ONDK, NAS:FSC, NYSE:ELVT, OTCPK:EHMEF, NYSE:RM, OTCPK:AUTCF, OTCPK:CHWWF, OTCPK:CCGN, NAS:CLDC, NAS:CPSS, NAS:SNFCA, NYSE:TCAP, NAS:NICK, OTCPK:FAHLF, NAS:ASFI, OTCPK:MOGOF » details
Traded in other countries:EZ2A.Germany,
Headquarter Location:USA
EZCORP Inc is the provider of pawn loans in the United States and Mexico. The Company's segments are U.S. Pawn, Mexico Pawn, and Other International.

EZCORP Inc is a Delaware corporation formed in 1989. The Company is the provider of pawn loans in the United States and Mexico. At its pawn stores, it offers 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. In addition to its core pawn business in the U.S. and Mexico, it operates 27 CASHMAX financial services locations in Canada and own Cash Converters International Limited, based in Australia, which franchises and operates a network of nearly 700 locations that provide financial services and also buy and sell second-hand goods. It operates in three reportable segments: U.S. Pawn, which includes its EZPAWN, Value Pawn & Jewelry and other branded pawn operations in the United States; Mexico Pawn, which includes its Empeno Facil pawn operations in Mexico; and Other International, which includes its CASHMAX financial services operations in Canada and its equity interest in the net income of Cash Converters International.

Top Ranked Articles about EZCORP Inc

EZCORP, Inc. to Release Second Quarter Fiscal 2017 Results After Market Close on Wednesday, May 3, 2017
EZCORP, Inc. Announces 2017 Annual Meeting of Stockholders and Conference Call on Wednesday, March 22, 2017

AUSTIN, Texas, March 20, 2017 (GLOBE NEWSWIRE) -- EZCORP, Inc. (NASDAQ:EZPW) will host its 2017 Annual Meeting of Stockholders on Wednesday, March 22 at 9:00am Central Time at Hotel Granduca Austin, 320 South Capital of Texas Highway, Austin, Texas. Stuart Grimshaw, Chief Executive Officer, and Joe Rotunda, Chief Operating Officer, will discuss the business followed by a question and answer session.
Analysts, institutional investors and individuals who are unable to attend in person can access the live conference call or webcast of the event in a listen-only mode. To access the conference call, dial (877) 201-0168, Conference ID: 89768485, International dialing (647) 788-4901.  The conference call will be webcast simultaneously to the public through this link: http://investors.ezcorp.com/.  A replay of the conference call will be available online at http://investors.ezcorp.com/ shortly after the call. About EZCORP
EZCORP is a leading provider of pawn loans in the United States and Mexico.  At our pawn stores, we also sell merchandise, primarily collateral forfeited from pawn lending operations and used merchandise purchased from customers.
Contact
Jeff Christensen
Vice President, Investor Relations
Email: [email protected]
Phone: (512) 437-3545

Read more...

Ratios

vs
industry
vs
history
PB Ratio 0.82
EZPW's PB Ratio is ranked higher than
71% of the 378 Companies
in the Global Credit Services industry.

( Industry Median: 1.26 vs. EZPW: 0.82 )
Ranked among companies with meaningful PB Ratio only.
EZPW' s PB Ratio Range Over the Past 10 Years
Min: 0.2  Med: 1.54 Max: 3.81
Current: 0.82
0.2
3.81
PS Ratio 0.66
EZPW's PS Ratio is ranked higher than
93% of the 368 Companies
in the Global Credit Services industry.

( Industry Median: 3.45 vs. EZPW: 0.66 )
Ranked among companies with meaningful PS Ratio only.
EZPW' s PS Ratio Range Over the Past 10 Years
Min: 0.19  Med: 1.2 Max: 2.26
Current: 0.66
0.19
2.26
Price-to-Free-Cash-Flow 9.41
EZPW's Price-to-Free-Cash-Flow is ranked lower than
54% of the 93 Companies
in the Global Credit Services industry.

( Industry Median: 7.70 vs. EZPW: 9.41 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
EZPW' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.84  Med: 11.92 Max: 20.88
Current: 9.41
1.84
20.88
Price-to-Operating-Cash-Flow 7.80
EZPW's Price-to-Operating-Cash-Flow is ranked higher than
55% of the 116 Companies
in the Global Credit Services industry.

( Industry Median: 8.02 vs. EZPW: 7.80 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
EZPW' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.62  Med: 8.61 Max: 15.4
Current: 7.8
1.62
15.4
EV-to-EBIT -13.95
EZPW's EV-to-EBIT is ranked lower than
99.99% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 16.65 vs. EZPW: -13.95 )
Ranked among companies with meaningful EV-to-EBIT only.
EZPW' s EV-to-EBIT Range Over the Past 10 Years
Min: -1819.3  Med: 7.2 Max: 236.2
Current: -13.95
-1819.3
236.2
EV-to-EBITDA -31.17
EZPW's EV-to-EBITDA is ranked lower than
99.99% of the 384 Companies
in the Global Credit Services industry.

( Industry Median: 13.89 vs. EZPW: -31.17 )
Ranked among companies with meaningful EV-to-EBITDA only.
EZPW' s EV-to-EBITDA Range Over the Past 10 Years
Min: -59.4  Med: 6.9 Max: 91.4
Current: -31.17
-59.4
91.4
Shiller PE Ratio 11.96
EZPW's Shiller PE Ratio is ranked higher than
75% of the 44 Companies
in the Global Credit Services industry.

( Industry Median: 14.84 vs. EZPW: 11.96 )
Ranked among companies with meaningful Shiller PE Ratio only.
EZPW' s Shiller PE Ratio Range Over the Past 10 Years
Min: 2.61  Med: 27.49 Max: 155.11
Current: 11.96
2.61
155.11
Current Ratio 6.03
EZPW's Current Ratio is ranked higher than
70% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 2.33 vs. EZPW: 6.03 )
Ranked among companies with meaningful Current Ratio only.
EZPW' s Current Ratio Range Over the Past 10 Years
Min: 1.12  Med: 6 Max: 16.57
Current: 6.03
1.12
16.57
Quick Ratio 4.21
EZPW's Quick Ratio is ranked higher than
66% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 2.29 vs. EZPW: 4.21 )
Ranked among companies with meaningful Quick Ratio only.
EZPW' s Quick Ratio Range Over the Past 10 Years
Min: 0.74  Med: 4.33 Max: 13.57
Current: 4.21
0.74
13.57
Days Inventory 155.46
EZPW's Days Inventory is ranked lower than
87% of the 89 Companies
in the Global Credit Services industry.

( Industry Median: 19.64 vs. EZPW: 155.46 )
Ranked among companies with meaningful Days Inventory only.
EZPW' s Days Inventory Range Over the Past 10 Years
Min: 82.37  Med: 106.81 Max: 159.66
Current: 155.46
82.37
159.66
Days Sales Outstanding 15.09
EZPW's Days Sales Outstanding is ranked higher than
50% of the 191 Companies
in the Global Credit Services industry.

( Industry Median: 14.92 vs. EZPW: 15.09 )
Ranked among companies with meaningful Days Sales Outstanding only.
EZPW' s Days Sales Outstanding Range Over the Past 10 Years
Min: 14.22  Med: 21.83 Max: 99.59
Current: 15.09
14.22
99.59
Days Payable 25.34
EZPW's Days Payable is ranked lower than
57% of the 76 Companies
in the Global Credit Services industry.

( Industry Median: 33.00 vs. EZPW: 25.34 )
Ranked among companies with meaningful Days Payable only.
EZPW' s Days Payable Range Over the Past 10 Years
Min: 10.06  Med: 17.12 Max: 41.61
Current: 25.34
10.06
41.61

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 0.10
EZPW's 3-Year Average Share Buyback Ratio is ranked higher than
75% of the 149 Companies
in the Global Credit Services industry.

( Industry Median: -5.00 vs. EZPW: 0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
EZPW' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -14.6  Med: -1.7 Max: 0.1
Current: 0.1
-14.6
0.1

Valuation & Return

vs
industry
vs
history
Price-to-Net-Current-Asset-Value 4.50
EZPW's Price-to-Net-Current-Asset-Value is ranked lower than
60% of the 101 Companies
in the Global Credit Services industry.

( Industry Median: 2.15 vs. EZPW: 4.50 )
Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
EZPW' s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 0.67  Med: 2.36 Max: 15.03
Current: 4.5
0.67
15.03
Price-to-Tangible-Book 1.56
EZPW's Price-to-Tangible-Book is ranked lower than
53% of the 365 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. EZPW: 1.56 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
EZPW' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.17  Med: 1.38 Max: 4.18
Current: 1.56
0.17
4.18
Price-to-Intrinsic-Value-Projected-FCF 0.43
EZPW's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
81% of the 77 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. EZPW: 0.43 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
EZPW' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.13  Med: 0.78 Max: 2.38
Current: 0.43
0.13
2.38
Price-to-Median-PS-Value 0.54
EZPW's Price-to-Median-PS-Value is ranked higher than
87% of the 329 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. EZPW: 0.54 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
EZPW' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.06  Med: 0.64 Max: 2.92
Current: 0.54
0.06
2.92
Earnings Yield (Greenblatt) % -7.17
EZPW's Earnings Yield (Greenblatt) % is ranked lower than
93% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 4.64 vs. EZPW: -7.17 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
EZPW' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -7.17  Med: 12.4 Max: 19
Current: -7.17
-7.17
19
Forward Rate of Return (Yacktman) % -20.72
EZPW's Forward Rate of Return (Yacktman) % is ranked lower than
87% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 10.06 vs. EZPW: -20.72 )
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: -20.72  Med: 31.8 Max: 45.3
Current: -20.72
-20.72
45.3

More Statistics

Revenue (TTM) (Mil) $749.3
EPS (TTM) $ -1.22
Beta2.46
Short Percentage of Float5.37%
52-Week Range $4.40 - 12.00
Shares Outstanding (Mil)54.29
» More Articles for EZPW

Headlines

Articles On GuruFocus.com
EZCORP, Inc. to Release Second Quarter Fiscal 2017 Results After Market Close on Wednesday, May 3, 2 Apr 27 2017 
EZCORP, Inc. Announces 2017 Annual Meeting of Stockholders and Conference Call on Wednesday, Marc Mar 20 2017 
First Eagle Investment Is Acquiring Apple, Amazon Jul 07 2016 
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 
EZCorp: A Compelling Case Apr 25 2013 

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