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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
NAS:EZPW's Cash to Debt is ranked higher than
74% of the 186 Companies
in the Global Credit Services industry.

( Industry Median: 0.20 vs. NAS:EZPW: 0.22 )
NAS:EZPW' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.22

Equity to Asset 0.64
NAS:EZPW's Equity to Asset is ranked higher than
92% of the 186 Companies
in the Global Credit Services industry.

( Industry Median: 0.27 vs. NAS:EZPW: 0.64 )
NAS: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: 2.62
M-Score: -3.10
WACC vs ROIC
10.25%
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
NAS:EZPW's Operating margin (%) is ranked higher than
62% of the 191 Companies
in the Global Credit Services industry.

( Industry Median: 20.91 vs. NAS:EZPW: 9.07 )
NAS:EZPW' s 10-Year Operating margin (%) Range
Min: -11.9   Max: 21.15
Current: 9.07

-11.9
21.15
Net-margin (%) -5.46
NAS:EZPW's Net-margin (%) is ranked higher than
53% of the 191 Companies
in the Global Credit Services industry.

( Industry Median: 16.19 vs. NAS:EZPW: -5.46 )
NAS:EZPW' s 10-Year Net-margin (%) Range
Min: -16.5   Max: 14.74
Current: -5.46

-16.5
14.74
ROE (%) -5.74
NAS:EZPW's ROE (%) is ranked higher than
53% of the 190 Companies
in the Global Credit Services industry.

( Industry Median: 12.08 vs. NAS:EZPW: -5.74 )
NAS:EZPW' s 10-Year ROE (%) Range
Min: -27.33   Max: 21.44
Current: -5.74

-27.33
21.44
ROA (%) -3.79
NAS:EZPW's ROA (%) is ranked higher than
52% of the 193 Companies
in the Global Credit Services industry.

( Industry Median: 2.91 vs. NAS:EZPW: -3.79 )
NAS:EZPW' s 10-Year ROA (%) Range
Min: -14.88   Max: 18.73
Current: -3.79

-14.88
18.73
ROC (Joel Greenblatt) (%) 15.57
NAS:EZPW's ROC (Joel Greenblatt) (%) is ranked higher than
74% of the 185 Companies
in the Global Credit Services industry.

( Industry Median: 20.98 vs. NAS:EZPW: 15.57 )
NAS:EZPW' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -3.42   Max: 55.61
Current: 15.57

-3.42
55.61
Revenue Growth (3Y)(%) 1.80
NAS:EZPW's Revenue Growth (3Y)(%) is ranked higher than
69% of the 153 Companies
in the Global Credit Services industry.

( Industry Median: 5.30 vs. NAS:EZPW: 1.80 )
NAS:EZPW' s 10-Year Revenue Growth (3Y)(%) Range
Min: -6.1   Max: 19.8
Current: 1.8

-6.1
19.8
EBITDA Growth (3Y)(%) -15.50
NAS:EZPW's EBITDA Growth (3Y)(%) is ranked higher than
66% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 vs. NAS:EZPW: -15.50 )
NAS:EZPW' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -15.5   Max: 39.2
Current: -15.5

-15.5
39.2
EPS Growth (3Y)(%) -28.70
NAS:EZPW's EPS Growth (3Y)(%) is ranked higher than
58% of the 119 Companies
in the Global Credit Services industry.

( Industry Median: 11.40 vs. NAS:EZPW: -28.70 )
NAS:EZPW' s 10-Year EPS Growth (3Y)(%) Range
Min: -28.7   Max: 81.7
Current: -28.7

-28.7
81.7
» NAS:EZPW's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

EZPW Guru Trades in Q1 2014

First Pacific Advisors 297,500 sh (New)
Chuck Royce 1,268,532 sh (+7682.40%)
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 (-50.70%)
» 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
» 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%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
Forward P/E 5.17
EZPW's Forward P/E is ranked higher than
98% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 15.41 vs. EZPW: 5.17 )
N/A
PE(NRI) 13.80
EZPW's PE(NRI) is ranked higher than
79% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 16.50 vs. EZPW: 13.80 )
EZPW' s 10-Year PE(NRI) Range
Min: 5.89   Max: 26.23
Current: 13.8

5.89
26.23
P/B 0.70
EZPW's P/B is ranked higher than
96% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 2.04 vs. EZPW: 0.70 )
EZPW' s 10-Year P/B Range
Min: 0.51   Max: 3.81
Current: 0.7

0.51
3.81
P/S 0.50
EZPW's P/S is ranked higher than
94% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. EZPW: 0.50 )
EZPW' s 10-Year P/S Range
Min: 0.41   Max: 2.26
Current: 0.5

0.41
2.26
PFCF 9.10
EZPW's PFCF is ranked higher than
82% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. EZPW: 9.10 )
EZPW' s 10-Year PFCF Range
Min: 5.12   Max: 21.28
Current: 9.1

5.12
21.28
POCF 6.89
EZPW's POCF is ranked higher than
86% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 30.76 vs. EZPW: 6.89 )
EZPW' s 10-Year POCF Range
Min: 3.63   Max: 15.61
Current: 6.89

3.63
15.61
EV-to-EBIT 9.46
EZPW's EV-to-EBIT is ranked higher than
93% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 22.83 vs. EZPW: 9.46 )
EZPW' s 10-Year EV-to-EBIT Range
Min: 3   Max: 16.9
Current: 9.46

3
16.9
PEG 34.50
EZPW's PEG is ranked higher than
85% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. EZPW: 34.50 )
EZPW' s 10-Year PEG Range
Min: 0.2   Max: 7.01
Current: 34.5

0.2
7.01
Shiller P/E 6.90
EZPW's Shiller P/E is ranked higher than
95% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 35.28 vs. EZPW: 6.90 )
EZPW' s 10-Year Shiller P/E Range
Min: 5.01   Max: 183.58
Current: 6.9

5.01
183.58
Current Ratio 5.34
EZPW's Current Ratio is ranked higher than
88% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 2.05 vs. EZPW: 5.34 )
EZPW' s 10-Year Current Ratio Range
Min: 1.12   Max: 13.57
Current: 5.34

1.12
13.57
Quick Ratio 4.19
EZPW's Quick Ratio is ranked higher than
86% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 2.04 vs. EZPW: 4.19 )
EZPW' s 10-Year Quick Ratio Range
Min: 0.74   Max: 7.68
Current: 4.19

0.74
7.68
Days Inventory 132.27
EZPW's Days Inventory is ranked higher than
94% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. EZPW: 132.27 )
EZPW' s 10-Year Days Inventory Range
Min: 82.37   Max: 194.53
Current: 132.27

82.37
194.53
Days Sales Outstanding 11.36
EZPW's Days Sales Outstanding is ranked higher than
85% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 51.38 vs. EZPW: 11.36 )
EZPW' s 10-Year Days Sales Outstanding Range
Min: 4.57   Max: 83.1
Current: 11.36

4.57
83.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
EZPW's Price/Tangible Book is ranked higher than
85% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 2.60 vs. EZPW: 1.10 )
EZPW' s 10-Year Price/Tangible Book Range
Min: 0.17   Max: 4.18
Current: 1.1

0.17
4.18
Price/DCF (Projected) 0.30
EZPW's Price/DCF (Projected) is ranked higher than
93% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 3.00 vs. EZPW: 0.30 )
EZPW' s 10-Year Price/DCF (Projected) Range
Min: 0.28   Max: 2.48
Current: 0.3

0.28
2.48
Price/Median PS Value 0.40
EZPW's Price/Median PS Value is ranked higher than
96% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 1.28 vs. EZPW: 0.40 )
EZPW' s 10-Year Price/Median PS Value Range
Min: 0.06   Max: 1.77
Current: 0.4

0.06
1.77
Price/Graham Number 0.80
EZPW's Price/Graham Number is ranked higher than
85% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. EZPW: 0.80 )
EZPW' s 10-Year Price/Graham Number Range
Min: 0.44   Max: 3.88
Current: 0.8

0.44
3.88
Earnings Yield (Greenblatt) 11.90
EZPW's Earnings Yield (Greenblatt) is ranked higher than
92% of the 192 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. EZPW: 11.90 )
EZPW' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.9   Max: 33.1
Current: 11.9

5.9
33.1
Forward Rate of Return (Yacktman) 10.90
EZPW's Forward Rate of Return (Yacktman) is ranked higher than
75% of the 119 Companies
in the Global Credit Services industry.

( Industry Median: 16.06 vs. EZPW: 10.90 )
EZPW' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.3   Max: 46.3
Current: 10.9

1.3
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 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.

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