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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 0.15
NAS:EZPW's Cash to Debt is ranked higher than
66% of the 173 Companies
in the Global Credit Services industry.

( Industry Median: 0.21 vs. NAS:EZPW: 0.15 )
NAS:EZPW' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 0.15

Equity to Asset 0.62
NAS:EZPW's Equity to Asset is ranked higher than
94% of the 174 Companies
in the Global Credit Services industry.

( Industry Median: 0.24 vs. NAS:EZPW: 0.62 )
NAS:EZPW' s 10-Year Equity to Asset Range
Min: 0.5   Max: 0.88
Current: 0.62

0.5
0.88
F-Score: 4
Z-Score: 2.00
M-Score: -3.76
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 (%) 9.23
NAS:EZPW's Operating margin (%) is ranked higher than
59% of the 177 Companies
in the Global Credit Services industry.

( Industry Median: 22.93 vs. NAS:EZPW: 9.23 )
NAS:EZPW' s 10-Year Operating margin (%) Range
Min: -11.9   Max: 20.3
Current: 9.23

-11.9
20.3
Net-margin (%) -4.60
NAS:EZPW's Net-margin (%) is ranked higher than
51% of the 177 Companies
in the Global Credit Services industry.

( Industry Median: 14.66 vs. NAS:EZPW: -4.60 )
NAS:EZPW' s 10-Year Net-margin (%) Range
Min: -16.5   Max: 14.48
Current: -4.6

-16.5
14.48
ROE (%) -4.99
NAS:EZPW's ROE (%) is ranked higher than
52% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 11.73 vs. NAS:EZPW: -4.99 )
NAS:EZPW' s 10-Year ROE (%) Range
Min: -27.33   Max: 21.44
Current: -4.99

-27.33
21.44
ROA (%) -3.33
NAS:EZPW's ROA (%) is ranked higher than
51% of the 183 Companies
in the Global Credit Services industry.

( Industry Median: 3.12 vs. NAS:EZPW: -3.33 )
NAS:EZPW' s 10-Year ROA (%) Range
Min: -14.88   Max: 18.73
Current: -3.33

-14.88
18.73
ROC (Joel Greenblatt) (%) 16.90
NAS:EZPW's ROC (Joel Greenblatt) (%) is ranked higher than
72% of the 177 Companies
in the Global Credit Services industry.

( Industry Median: 22.22 vs. NAS:EZPW: 16.90 )
NAS:EZPW' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -3.6   Max: 55.61
Current: 16.9

-3.6
55.61
Revenue Growth (%) 1.80
NAS:EZPW's Revenue Growth (%) is ranked higher than
66% of the 149 Companies
in the Global Credit Services industry.

( Industry Median: 7.80 vs. NAS:EZPW: 1.80 )
NAS:EZPW' s 10-Year Revenue Growth (%) Range
Min: -6.1   Max: 19.8
Current: 1.8

-6.1
19.8
EBITDA Growth (%) -15.10
NAS:EZPW's EBITDA Growth (%) is ranked higher than
58% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: 10.20 vs. NAS:EZPW: -15.10 )
NAS:EZPW' s 10-Year EBITDA Growth (%) Range
Min: -15.1   Max: 39.2
Current: -15.1

-15.1
39.2
EPS Growth (%) -29.30
NAS:EZPW's EPS Growth (%) is ranked higher than
54% of the 122 Companies
in the Global Credit Services industry.

( Industry Median: 17.30 vs. NAS:EZPW: -29.30 )
NAS:EZPW' s 10-Year EPS Growth (%) Range
Min: -29.3   Max: 81.7
Current: -29.3

-29.3
81.7
» NAS:EZPW's 10-Y Financials

Financials


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

» Details

Guru Trades

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%)
David Dreman Sold Out
Joel Greenblatt 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
Q3 2014

EZPW Guru Trades in Q3 2014

Jeremy Grantham 30,100 sh (New)
Chuck Royce 2,303,462 sh (+8.58%)
Richard Snow Sold Out
Jim Simons Sold Out
First Pacific Advisors 147,500 sh (-50.42%)
Paul Tudor Jones 17,500 sh (-50.7%)
» More
» Details

Insider Trades

Latest Guru Trades with NAS: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
Richard Snow 2014-09-30 Sold Out 0.06%$9.31 - $11.74 $ 10.946%0
Richard Snow 2014-06-30 New Buy0.06%$10.37 - $12.89 $ 10.94-4%152830
Joel Greenblatt 2014-03-31 Sold Out 0.01%$9.35 - $13.31 $ 10.94-7%0
David Dreman 2014-03-31 Sold Out $9.35 - $13.31 $ 10.94-7%0
Private Capital 2013-12-31 Sold Out 3.1%$10.12 - $16.62 $ 10.94-17%0
David Dreman 2013-12-31 New Buy$10.12 - $16.62 $ 10.94-17%2111
Private Capital 2013-06-30 Add 31.39%0.79%$16.77 - $20.85 $ 10.94-42%2077365
Joel Greenblatt 2013-06-30 Add 36.79%$16.77 - $20.85 $ 10.94-42%20128
John Keeley 2012-12-31 Sold Out 0.42%$16.87 - $23.22 $ 10.94-43%0
Joel Greenblatt 2012-12-31 Reduce -79.56%0.08%$16.87 - $23.22 $ 10.94-43%12889
Joel Greenblatt 2012-09-30 Reduce -37.06%0.06%$21.86 - $25.29 $ 10.94-53%63069
John Keeley 2012-06-30 Add 49.86%0.14%$22.11 - $32.83 $ 10.94-57%807000
Joel Greenblatt 2012-06-30 Add 98.89%0.08%$22.11 - $32.83 $ 10.94-57%100201
Private Capital 2012-03-31 Add 36.58%1.12%$25.83 - $32.92 $ 10.94-61%1826569
John Keeley 2012-03-31 Add 368.26%0.28%$25.83 - $32.92 $ 10.94-61%538500
Joel Greenblatt 2012-03-31 Add 60.57%0.05%$25.83 - $32.92 $ 10.94-61%50380
John Keeley 2011-12-31 New Buy0.06%$25.57 - $30.8 $ 10.94-61%115000
Joel Greenblatt 2011-12-31 Add 64.11%0.04%$25.57 - $30.8 $ 10.94-61%31376
Mario Gabelli 2011-12-31 Sold Out 0.002%$25.57 - $30.8 $ 10.94-61%0
Ken Heebner 2011-09-30 Sold Out 0.1143%$27.2 - $38.07 $ 10.94-67%0
Mario Gabelli 2011-09-30 Reduce -33.9%$27.2 - $38.07 $ 10.94-67%7800
Premium More recent guru trades are included for Premium Members only!!
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Ratios

vs
industry
vs
history
P/B 0.67
EZPW's P/B is ranked higher than
94% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 1.96 vs. EZPW: 0.67 )
EZPW' s 10-Year P/B Range
Min: 0.51   Max: 3.81
Current: 0.67

0.51
3.81
P/S 0.59
EZPW's P/S is ranked higher than
91% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 2.79 vs. EZPW: 0.59 )
EZPW' s 10-Year P/S Range
Min: 0.41   Max: 2.26
Current: 0.59

0.41
2.26
EV-to-EBIT 9.59
EZPW's EV-to-EBIT is ranked higher than
91% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 20.07 vs. EZPW: 9.59 )
EZPW' s 10-Year EV-to-EBIT Range
Min: 3   Max: 16.9
Current: 9.59

3
16.9
Shiller P/E 7.24
EZPW's Shiller P/E is ranked higher than
95% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 35.49 vs. EZPW: 7.24 )
EZPW' s 10-Year Shiller P/E Range
Min: 5.03   Max: 183.58
Current: 7.24

5.03
183.58
Current Ratio 5.32
EZPW's Current Ratio is ranked higher than
87% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 2.05 vs. EZPW: 5.32 )
EZPW' s 10-Year Current Ratio Range
Min: 2.9   Max: 10.42
Current: 5.32

2.9
10.42
Quick Ratio 4.20
EZPW's Quick Ratio is ranked higher than
86% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 1.95 vs. EZPW: 4.20 )
EZPW' s 10-Year Quick Ratio Range
Min: 1.97   Max: 6.46
Current: 4.2

1.97
6.46

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.21
EZPW's Price/Tangible Book is ranked higher than
84% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 2.36 vs. EZPW: 1.21 )
EZPW' s 10-Year Price/Tangible Book Range
Min: 0.17   Max: 3.13
Current: 1.21

0.17
3.13
Price/DCF (Projected) 0.39
EZPW's Price/DCF (Projected) is ranked higher than
91% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 2.85 vs. EZPW: 0.39 )
EZPW' s 10-Year Price/DCF (Projected) Range
Min: 0.35   Max: 1.46
Current: 0.39

0.35
1.46
Price/Median PS Value 0.49
EZPW's Price/Median PS Value is ranked higher than
95% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 1.26 vs. EZPW: 0.49 )
EZPW' s 10-Year Price/Median PS Value Range
Min: 0.06   Max: 1.47
Current: 0.49

0.06
1.47
Price/Graham Number 0.78
EZPW's Price/Graham Number is ranked higher than
85% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 1.37 vs. EZPW: 0.78 )
EZPW' s 10-Year Price/Graham Number Range
Min: 0.46   Max: 1.44
Current: 0.78

0.46
1.44
Earnings Yield (Greenblatt) 10.40
EZPW's Earnings Yield (Greenblatt) is ranked higher than
91% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 5.40 vs. EZPW: 10.40 )
EZPW' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.9   Max: 33.1
Current: 10.4

5.9
33.1
Forward Rate of Return (Yacktman) 10.08
EZPW's Forward Rate of Return (Yacktman) is ranked higher than
74% of the 141 Companies
in the Global Credit Services industry.

( Industry Median: 10.08 vs. EZPW: 10.08 )
EZPW' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4.7   Max: 44.6
Current: 10.08

-4.7
44.6

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 franchisee 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
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 
comment on EZPW Mar 15 2013 
comment on EZPW Mar 14 2013 
comment on EZPW Feb 15 2013 

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