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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.39
NAS:EZPW's Cash-to-Debt is ranked lower than
54% of the 435 Companies
in the Global Credit Services industry.

( Industry Median: 0.61 vs. NAS:EZPW: 0.39 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:EZPW' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.23 Max: No Debt
Current: 0.39
0.01
No Debt
Equity-to-Asset 0.64
NAS:EZPW's Equity-to-Asset is ranked higher than
67% of the 408 Companies
in the Global Credit Services industry.

( Industry Median: 0.43 vs. NAS:EZPW: 0.64 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:EZPW' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.5  Med: 0.73 Max: 0.93
Current: 0.64
0.5
0.93
Debt-to-Equity 0.44
NAS:EZPW's Debt-to-Equity is ranked higher than
75% of the 266 Companies
in the Global Credit Services industry.

( Industry Median: 1.16 vs. NAS:EZPW: 0.44 )
Ranked among companies with meaningful Debt-to-Equity only.
NAS:EZPW' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.02  Med: 0.27 Max: 0.82
Current: 0.44
0.02
0.82
Debt-to-EBITDA 2.92
NAS:EZPW's Debt-to-EBITDA is ranked higher than
74% of the 280 Companies
in the Global Credit Services industry.

( Industry Median: 6.49 vs. NAS:EZPW: 2.92 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NAS:EZPW' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -15.48  Med: 1 Max: 7.87
Current: 2.92
-15.48
7.87
Interest Coverage 2.11
NAS:EZPW's Interest Coverage is ranked lower than
67% of the 396 Companies
in the Global Credit Services industry.

( Industry Median: 7.89 vs. NAS:EZPW: 2.11 )
Ranked among companies with meaningful Interest Coverage only.
NAS:EZPW' s Interest Coverage Range Over the Past 10 Years
Min: 1.77  Med: 71.21 Max: 175.43
Current: 2.11
1.77
175.43
Piotroski F-Score: 7
Altman Z-Score: 3.17
Beneish M-Score: -2.57
WACC vs ROIC
-23.51%
5.66%
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 % 7.80
NAS:EZPW's Operating Margin % is ranked lower than
69% of the 432 Companies
in the Global Credit Services industry.

( Industry Median: 19.77 vs. NAS:EZPW: 7.80 )
Ranked among companies with meaningful Operating Margin % only.
NAS:EZPW' s Operating Margin % Range Over the Past 10 Years
Min: -2.17  Med: 12.93 Max: 20.57
Current: 7.8
-2.17
20.57
Net Margin % 4.93
NAS:EZPW's Net Margin % is ranked lower than
67% of the 432 Companies
in the Global Credit Services industry.

( Industry Median: 13.62 vs. NAS:EZPW: 4.93 )
Ranked among companies with meaningful Net Margin % only.
NAS:EZPW' s Net Margin % Range Over the Past 10 Years
Min: -12.39  Med: 7.86 Max: 14.32
Current: 4.93
-12.39
14.32
ROE % 5.90
NAS:EZPW's ROE % is ranked lower than
55% of the 429 Companies
in the Global Credit Services industry.

( Industry Median: 6.96 vs. NAS:EZPW: 5.90 )
Ranked among companies with meaningful ROE % only.
NAS:EZPW' s ROE % Range Over the Past 10 Years
Min: -12.91  Med: 11.67 Max: 21.44
Current: 5.9
-12.91
21.44
ROA % 3.77
NAS:EZPW's ROA % is ranked higher than
64% of the 446 Companies
in the Global Credit Services industry.

( Industry Median: 2.27 vs. NAS:EZPW: 3.77 )
Ranked among companies with meaningful ROA % only.
NAS:EZPW' s ROA % Range Over the Past 10 Years
Min: -7.43  Med: 8.52 Max: 18.73
Current: 3.77
-7.43
18.73
ROC (Joel Greenblatt) % 20.22
NAS:EZPW's ROC (Joel Greenblatt) % is ranked higher than
59% of the 362 Companies
in the Global Credit Services industry.

( Industry Median: 14.76 vs. NAS:EZPW: 20.22 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
NAS:EZPW' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -11.13  Med: 33.5 Max: 58.33
Current: 20.22
-11.13
58.33
3-Year Revenue Growth Rate 0.10
NAS:EZPW's 3-Year Revenue Growth Rate is ranked lower than
64% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 vs. NAS:EZPW: 0.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:EZPW' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -11  Med: 4.7 Max: 67.2
Current: 0.1
-11
67.2
3-Year EBITDA Growth Rate 20.20
NAS:EZPW's 3-Year EBITDA Growth Rate is ranked higher than
71% of the 312 Companies
in the Global Credit Services industry.

( Industry Median: 6.90 vs. NAS:EZPW: 20.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:EZPW' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -36.1  Med: 20.2 Max: 39.5
Current: 20.2
-36.1
39.5
3-Year EPS without NRI Growth Rate 97.90
NAS:EZPW's 3-Year EPS without NRI Growth Rate is ranked higher than
92% of the 298 Companies
in the Global Credit Services industry.

( Industry Median: 6.90 vs. NAS:EZPW: 97.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:EZPW' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -68.1  Med: 26.95 Max: 97.9
Current: 97.9
-68.1
97.9
GuruFocus has detected 3 Warning Signs with EZCORP Inc NAS:EZPW.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:EZPW's 30-Y Financials

Financials (Next Earnings Date: 2018-05-03)


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

» Details

Guru Trades

Q1 2017

EZPW Guru Trades in Q1 2017

Jim Simons 1,159,718 sh (+10.14%)
Chuck Royce 201,000 sh (unchged)
First Eagle Investment 362,000 sh (unchged)
» More
Q2 2017

EZPW Guru Trades in Q2 2017

Paul Tudor Jones 11,494 sh (New)
Barrow, Hanley, Mewhinney & Strauss 128,573 sh (New)
Chuck Royce 201,000 sh (unchged)
First Eagle Investment 362,000 sh (unchged)
Jim Simons 1,147,418 sh (-1.06%)
» More
Q3 2017

EZPW Guru Trades in Q3 2017

Barrow, Hanley, Mewhinney & Strauss 297,494 sh (+131.38%)
Jim Simons 2,071,918 sh (+80.57%)
Chuck Royce 201,000 sh (unchged)
First Eagle Investment 362,000 sh (unchged)
Paul Tudor Jones Sold Out
» More
Q4 2017

EZPW Guru Trades in Q4 2017

Paul Tudor Jones 14,223 sh (New)
Barrow, Hanley, Mewhinney & Strauss 394,658 sh (+32.66%)
Jim Simons 2,389,200 sh (+15.31%)
Chuck Royce 201,000 sh (unchged)
First Eagle Investment Sold Out
» 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
Barrow, Hanley, Mewhinney & Strauss 2017-12-31 Add 32.66%$9.35 - $12.35 $ 13.0520%394,658
First Eagle Investment 2017-12-31 Sold Out 0.01%$9.35 - $12.35 $ 13.0520%0
Barrow, Hanley, Mewhinney & Strauss 2017-09-30 Add 131.38%$7.6 - $10.25 $ 13.0550%297,494
Barrow, Hanley, Mewhinney & Strauss 2017-06-30 New Buy$7.65 - $9.45 $ 13.0550%128,573
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Credit Services » Credit Services    NAICS: 522291    SIC: 5999
Compare:BKK:THANI-F, BOM:524000, LSE:IPF, ISX:ADMF, NAS:MGI, HKSE:08469, MIL:MOL, NAS:OCSL, NYSE:CURO, NSE:UJJIVAN, TSE:8519, NYSE:ENVA, ISX:BFIN, TSX:AD, TSE:8511, XTER:FRU, BOM:539844, OSL:AXA, BOM:540749, ASX:FXL » 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 the provider of pawn loans in the United States and Mexico. The Company's segments are U.S. Pawn, Mexico Pawn, and Other International.

Ratios

vs
industry
vs
history
PE Ratio 19.19
EZPW's PE Ratio is ranked lower than
54% of the 345 Companies
in the Global Credit Services industry.

( Industry Median: 17.03 vs. EZPW: 19.19 )
Ranked among companies with meaningful PE Ratio only.
EZPW' s PE Ratio Range Over the Past 10 Years
Min: 6.31  Med: 12.25 Max: 77.35
Current: 19.19
6.31
77.35
PE Ratio without NRI 18.91
EZPW's PE Ratio without NRI is ranked lower than
54% of the 342 Companies
in the Global Credit Services industry.

( Industry Median: 17.03 vs. EZPW: 18.91 )
Ranked among companies with meaningful PE Ratio without NRI only.
EZPW' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.15  Med: 12.33 Max: 226.25
Current: 18.91
6.15
226.25
Price-to-Owner-Earnings 18.62
EZPW's Price-to-Owner-Earnings is ranked lower than
62% of the 103 Companies
in the Global Credit Services industry.

( Industry Median: 14.04 vs. EZPW: 18.62 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
EZPW' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.81  Med: 12.36 Max: 39.46
Current: 18.62
7.81
39.46
PB Ratio 1.06
EZPW's PB Ratio is ranked higher than
53% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 1.18 vs. EZPW: 1.06 )
Ranked among companies with meaningful PB Ratio only.
EZPW' s PB Ratio Range Over the Past 10 Years
Min: 0.2  Med: 1.35 Max: 3.52
Current: 1.06
0.2
3.52
PS Ratio 0.94
EZPW's PS Ratio is ranked higher than
88% of the 409 Companies
in the Global Credit Services industry.

( Industry Median: 3.61 vs. EZPW: 0.94 )
Ranked among companies with meaningful PS Ratio only.
EZPW' s PS Ratio Range Over the Past 10 Years
Min: 0.19  Med: 1.07 Max: 2.26
Current: 0.94
0.19
2.26
Price-to-Free-Cash-Flow 14.26
EZPW's Price-to-Free-Cash-Flow is ranked lower than
65% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 7.71 vs. EZPW: 14.26 )
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: 1.83  Med: 12.09 Max: 33.27
Current: 14.26
1.83
33.27
Price-to-Operating-Cash-Flow 9.58
EZPW's Price-to-Operating-Cash-Flow is ranked lower than
60% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 6.96 vs. EZPW: 9.58 )
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: 1.63  Med: 8.73 Max: 18.43
Current: 9.58
1.63
18.43
EV-to-EBIT 11.39
EZPW's EV-to-EBIT is ranked higher than
65% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 16.93 vs. EZPW: 11.39 )
Ranked among companies with meaningful EV-to-EBIT only.
EZPW' s EV-to-EBIT Range Over the Past 10 Years
Min: -1819.3  Med: 7.6 Max: 236.2
Current: 11.39
-1819.3
236.2
EV-to-EBITDA 8.79
EZPW's EV-to-EBITDA is ranked higher than
72% of the 361 Companies
in the Global Credit Services industry.

( Industry Median: 15.84 vs. EZPW: 8.79 )
Ranked among companies with meaningful EV-to-EBITDA only.
EZPW' s EV-to-EBITDA Range Over the Past 10 Years
Min: -112.1  Med: 7.2 Max: 91.4
Current: 8.79
-112.1
91.4
EV-to-Revenue 1.17
EZPW's EV-to-Revenue is ranked higher than
91% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 5.68 vs. EZPW: 1.17 )
Ranked among companies with meaningful EV-to-Revenue only.
EZPW' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.6  Med: 1.2 Max: 2.3
Current: 1.17
0.6
2.3
Shiller PE Ratio 18.09
EZPW's Shiller PE Ratio is ranked lower than
53% of the 64 Companies
in the Global Credit Services industry.

( Industry Median: 17.87 vs. EZPW: 18.09 )
Ranked among companies with meaningful Shiller PE Ratio only.
EZPW' s Shiller PE Ratio Range Over the Past 10 Years
Min: 2.64  Med: 18.29 Max: 111.13
Current: 18.09
2.64
111.13
Current Ratio 7.77
EZPW's Current Ratio is ranked higher than
70% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 2.64 vs. EZPW: 7.77 )
Ranked among companies with meaningful Current Ratio only.
EZPW' s Current Ratio Range Over the Past 10 Years
Min: 1.12  Med: 6.05 Max: 16.57
Current: 7.77
1.12
16.57
Quick Ratio 5.47
EZPW's Quick Ratio is ranked higher than
67% of the 302 Companies
in the Global Credit Services industry.

( Industry Median: 2.62 vs. EZPW: 5.47 )
Ranked among companies with meaningful Quick Ratio only.
EZPW' s Quick Ratio Range Over the Past 10 Years
Min: 0.74  Med: 4.35 Max: 13.57
Current: 5.47
0.74
13.57
Days Inventory 170.54
EZPW's Days Inventory is ranked lower than
88% of the 73 Companies
in the Global Credit Services industry.

( Industry Median: 20.50 vs. EZPW: 170.54 )
Ranked among companies with meaningful Days Inventory only.
EZPW' s Days Inventory Range Over the Past 10 Years
Min: 82.37  Med: 120.47 Max: 172.1
Current: 170.54
82.37
172.1
Days Sales Outstanding 16.36
EZPW's Days Sales Outstanding is ranked higher than
53% of the 216 Companies
in the Global Credit Services industry.

( Industry Median: 19.27 vs. EZPW: 16.36 )
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: 16.36
14.22
99.59
Days Payable 15.19
EZPW's Days Payable is ranked lower than
61% of the 71 Companies
in the Global Credit Services industry.

( Industry Median: 29.74 vs. EZPW: 15.19 )
Ranked among companies with meaningful Days Payable only.
EZPW' s Days Payable Range Over the Past 10 Years
Min: 10.06  Med: 15.22 Max: 41.61
Current: 15.19
10.06
41.61

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -0.50
EZPW's 3-Year Average Share Buyback Ratio is ranked higher than
67% of the 191 Companies
in the Global Credit Services industry.

( Industry Median: -4.90 vs. EZPW: -0.50 )
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: -1.65 Max: 0.1
Current: -0.5
-14.6
0.1

Valuation & Return

vs
industry
vs
history
Price-to-Net-Current-Asset-Value 3.96
EZPW's Price-to-Net-Current-Asset-Value is ranked lower than
72% of the 175 Companies
in the Global Credit Services industry.

( Industry Median: 2.10 vs. EZPW: 3.96 )
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: 2.56 Max: 15.03
Current: 3.96
0.67
15.03
Price-to-Tangible-Book 2.10
EZPW's Price-to-Tangible-Book is ranked lower than
66% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 1.25 vs. EZPW: 2.10 )
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: 2.1
0.17
4.18
Price-to-Intrinsic-Value-Projected-FCF 0.68
EZPW's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
63% of the 92 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. EZPW: 0.68 )
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: 0.73 Max: 2.38
Current: 0.68
0.13
2.38
Price-to-Median-PS-Value 0.88
EZPW's Price-to-Median-PS-Value is ranked higher than
62% of the 365 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. EZPW: 0.88 )
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: 0.07  Med: 0.71 Max: 3.37
Current: 0.88
0.07
3.37
Price-to-Graham-Number 1.33
EZPW's Price-to-Graham-Number is ranked lower than
64% of the 265 Companies
in the Global Credit Services industry.

( Industry Median: 1.03 vs. EZPW: 1.33 )
Ranked among companies with meaningful Price-to-Graham-Number only.
EZPW' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.43  Med: 1.05 Max: 4.17
Current: 1.33
0.43
4.17
Earnings Yield (Greenblatt) % 8.78
EZPW's Earnings Yield (Greenblatt) % is ranked higher than
72% of the 445 Companies
in the Global Credit Services industry.

( Industry Median: 4.18 vs. EZPW: 8.78 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
EZPW' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -11.6  Med: 11.2 Max: 19
Current: 8.78
-11.6
19
Forward Rate of Return (Yacktman) % -25.89
EZPW's Forward Rate of Return (Yacktman) % is ranked lower than
93% of the 169 Companies
in the Global Credit Services industry.

( Industry Median: 10.25 vs. EZPW: -25.89 )
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: -25.89  Med: 31.9 Max: 45.4
Current: -25.89
-25.89
45.4

More Statistics

Revenue (TTM) (Mil) $759.84
EPS (TTM) $ 0.68
Beta1.87
Short Percentage of Float20.72%
52-Week Range $7.55 - 13.75
Shares Outstanding (Mil)54.46

Piotroski F-Score Details

Piotroski F-Score: 77
Positive ROAY
Positive CFROAY
Higher ROA yoyY
CFROA > ROAY
Lower Leverage yoyN
Higher Current Ratio yoyY
Less Shares Outstanding yoyN
Higher Gross Margin yoyY
Higher Asset Turnover yoyY

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