NAS:EZPW (USA) Also trade in: Germany

EZCORP Inc

$ 9.11 -0.01 (-0.11%)
On watch
Volume: 336,150 Avg Vol (1m): 364,165
Market Cap $: 505.11 Mil Enterprise Value $: 582.95 Mil
P/E (TTM): 37.96 P/B: 0.68
Earnings Power Value -4.88
Net Current Asset Value 4.77
Tangible Book 6.93
Projected FCF 19.97
Median P/S Value 13.49
Graham Number 6.14
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 6/10

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.
Current vs industry vs history
Cash-to-Debt 0.82
Cash-To-Debt ranked lower than
62.36% of 449 companies
in the Credit Services industry.
Industry Max: 10000, Med: 8.43, Min: 0.01
EZPW: 0.82
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.01, Med: 0.24, Max: 10000
Current: 0.82
0.01
10000
Equity-to-Asset 0.59
Equity-to-Asset ranked higher than
67.31% of 413 companies
in the Credit Services industry.
Industry Max: 1, Med: 0.43, Min: -16.13
EZPW: 0.59
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.5, Med: 0.72, Max: 0.93
Current: 0.59
0.5
0.93
Debt-to-Equity 0.58
Debt-to-Equity ranked higher than
79.55% of 220 companies
in the Credit Services industry.
Industry Max: 31.78, Med: 1.4, Min: 0.01
EZPW: 0.58
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.02, Med: 0.27, Max: 0.82
Current: 0.58
0.02
0.82
Debt-to-EBITDA 5.35
Debt-to-EBITDA ranked higher than
74.56% of 283 companies
in the Credit Services industry.
Industry Max: 489.17, Med: 6.7, Min: 0.03
EZPW: 5.35
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: -15.48, Med: 1.95, Max: 7.87
Current: 5.35
-15.48
7.87
Interest Coverage 1.94
Interest Coverage ranked lower than
67.91% of 402 companies
in the Credit Services industry.
Industry Max: 10000, Med: 7.5, Min: 0.01
EZPW: 1.94
Ranked among companies with meaningful Interest Coverage only.
Interest Coverage range over the past 10 years
Min: 0.25, Med: 3.72, Max: 126.14
Current: 1.94
0.25
126.14
Piotroski F-Score 6
0
1
2
3
4
5
6
7
8
9
Altman Z-Score 2.32
DISTRESS
GREY
SAFE
Beneish M-Score -2.76
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 5.17%
WACC 8.78%

Profitability & Growth : 6/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Operating Margin % 7.77
Operating Margin ranked lower than
68.26% of 438 companies
in the Credit Services industry.
Industry Max: 349450, Med: 19.77, Min: -7041.41
EZPW: 7.77
Ranked among companies with meaningful Operating Margin only.
Operating Margin range over the past 10 years
Min: 0.57, Med: 9.2, Max: 20.61
Current: 7.77
0.57
20.61
Net Margin % 1.63
Net Margin ranked lower than
65.98% of 438 companies
in the Credit Services industry.
Industry Max: 349450, Med: 13.22, Min: -11643.24
EZPW: 1.63
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: -12.39, Med: 4.53, Max: 14.32
Current: 1.63
-12.39
14.32
ROE % 1.87
ROE ranked lower than
54.59% of 436 companies
in the Credit Services industry.
Industry Max: 190103.22, Med: 6.88, Min: -6112.96
EZPW: 1.87
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: -12.79, Med: 5.31, Max: 20.81
Current: 1.87
-12.79
20.81
ROA % 1.13
ROA ranked higher than
63.58% of 453 companies
in the Credit Services industry.
Industry Max: 185.91, Med: 2.32, Min: -914.31
EZPW: 1.13
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: -7.43, Med: 3.31, Max: 17.93
Current: 1.13
-7.43
17.93
ROC (Joel Greenblatt) % 12.75
ROC (Joel Greenblatt) ranked higher than
58.20% of 366 companies
in the Credit Services industry.
Industry Max: 24326.53, Med: 13.96, Min: -25896.1
EZPW: 12.75
Ranked among companies with meaningful ROC (Joel Greenblatt) only.
ROC (Joel Greenblatt) range over the past 10 years
Min: -12.23, Med: 20.56, Max: 116.06
Current: 12.75
-12.23
116.06
3-Year Total Revenue Growth Rate 4.20
3-Year Revenue Growth Rate ranked lower than
65.73% of 356 companies
in the Credit Services industry.
Industry Max: 1159, Med: 6.6, Min: -100
EZPW: 2
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -28.8, Med: 3.9, Max: 71.9
Current: 2
-28.8
71.9

» EZPW's 30-Y Financials

Financials (Next Earnings Date: 2019-08-02)

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Business Description

Industry Credit Services » Credit Services    NAICS : 522291    SIC : 5999
Compare LSE:ASAI BOM:524000 BOM:541336 NYSE:BBDC TSX:AD TSE:7172 BOM:531595 TSE:8511 OSL:B2H LSE:IPF ASX:FXL TSE:8771 TSX:GSY TSE:8714 IST:ISFIN MEX:CREAL OSTO:COLL HKSE:02003 NYSE:CURO ASX:EML
Traded in other countries EZ2A.Germany
Address 2500 Bee Cave Road, Suite 200, Building One, Rollingwood, TX, USA, 78746
EZCORP Inc provides pawn loans in its roughly 750 pawn stores in the United States and Mexico. It also offers unsecured installment loans in Mexico. The company makes pawn loans for 30 to 120 days with interest rates between 15% and 25% per month. Loan amounts are typically for 40% to 80% of the personal property that serves as collateral. Borrowers who do not repay the loan forfeit the collateral, which the company then sells. Half of all company revenue is from merchandise sales, and nearly one third comes from pawn service charges. Fees and interest charges generated on consumer loans in Mexico account for nearly 10% of total company revenue. The remainder consists mostly of jewelry scrapping sales.

Ratios

Current vs industry vs history
PE Ratio (TTM) 37.96
PE Ratio ranked lower than
58.31% of 343 companies
in the Credit Services industry.
Industry Max: 12291.33, Med: 16.14, Min: 0.03
EZPW: 37.96
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 6, Med: 12.63, Max: 211.33
Current: 37.96
6
211.33
PE Ratio without NRI 37.96
PE without NRI ranked lower than
58.11% of 339 companies
in the Credit Services industry.
Industry Max: 12291.33, Med: 16.11, Min: 0.03
EZPW: 37.96
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 5.95, Med: 13.44, Max: 226.25
Current: 37.96
5.95
226.25
Price-to-Owner-Earnings 55.89
Price-to-Owner-Earnings ranked lower than
58.82% of 102 companies
in the Credit Services industry.
Industry Max: 1561.11, Med: 14.62, Min: 0.35
EZPW: 55.89
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 8.22, Med: 12.82, Max: 67.55
Current: 55.89
8.22
67.55
PB Ratio 0.68
PB Ratio ranked higher than
53.83% of 418 companies
in the Credit Services industry.
Industry Max: 2284.63, Med: 1.19, Min: 0.04
EZPW: 0.68
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.2, Med: 1.02, Max: 3.01
Current: 0.68
0.2
3.01
PS Ratio 0.62
PS Ratio ranked higher than
87.68% of 414 companies
in the Credit Services industry.
Industry Max: 1151.59, Med: 3.46, Min: 0.01
EZPW: 0.62
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.19, Med: 0.92, Max: 2.26
Current: 0.62
0.19
2.26
Price-to-Free-Cash-Flow 8.82
Price-to-Free-Cash-Flow ranked lower than
63.46% of 104 companies
in the Credit Services industry.
Industry Max: 1671.38, Med: 8.52, Min: 0.45
EZPW: 8.82
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 1.83, Med: 11.8, Max: 33.27
Current: 8.82
1.83
33.27
Price-to-Operating-Cash-Flow 5.53
Price-to-Operating-Cash-Flow ranked lower than
59.84% of 127 companies
in the Credit Services industry.
Industry Max: 2660, Med: 7.24, Min: 0.45
EZPW: 5.53
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 1.63, Med: 8.15, Max: 14.86
Current: 5.53
1.63
14.86
EV-to-EBIT 11.12
EV-to-EBIT ranked higher than
63.07% of 352 companies
in the Credit Services industry.
Industry Max: 57054.38, Med: 16.26, Min: 0.08
EZPW: 11.12
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: -1843.7, Med: 7.65, Max: 213.1
Current: 11.12
-1843.7
213.1
EV-to-EBITDA 7.33
EV-to-EBITDA ranked higher than
68.58% of 366 companies
in the Credit Services industry.
Industry Max: 57054.38, Med: 14.65, Min: 0.08
EZPW: 7.33
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: -570.6, Med: 7, Max: 56
Current: 7.33
-570.6
56
EV-to-Revenue 0.70
EV-to-Revenue ranked higher than
88.47% of 425 companies
in the Credit Services industry.
Industry Max: 95879.51, Med: 5.35, Min: 0.03
EZPW: 0.7
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 0.6, Med: 1.2, Max: 2.3
Current: 0.7
0.6
2.3
Shiller PE Ratio 14.71
Shiller PE Ratio ranked lower than
56.06% of 66 companies
in the Credit Services industry.
Industry Max: 128.8, Med: 17.29, Min: 1.21
EZPW: 14.71
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 2.56, Med: 15.23, Max: 81.91
Current: 14.71
2.56
81.91
Current Ratio 2.93
Current Ratio ranked higher than
76.15% of 218 companies
in the Credit Services industry.
Industry Max: 2247.35, Med: 2.4, Min: 0.01
EZPW: 2.93
Ranked among companies with meaningful Current Ratio only.
Current Ratio range over the past 10 years
Min: 1.12, Med: 6, Max: 16.57
Current: 2.93
1.12
16.57
Quick Ratio 2.28
Quick Ratio ranked higher than
72.02% of 218 companies
in the Credit Services industry.
Industry Max: 2247.35, Med: 2.4, Min: 0.01
EZPW: 2.28
Ranked among companies with meaningful Quick Ratio only.
Quick Ratio range over the past 10 years
Min: 0.74, Med: 4.3, Max: 13.57
Current: 2.28
0.74
13.57
Days Inventory 177.74
Days Inventory ranked lower than
87.50% of 64 companies
in the Credit Services industry.
Industry Max: 659.79, Med: 20.73, Min: 0.02
EZPW: 177.74
Ranked among companies with meaningful Days Inventory only.
Days Inventory range over the past 10 years
Min: 82.37, Med: 146.04, Max: 177.42
Current: 177.74
82.37
177.42
Days Sales Outstanding 94.30
Days Sales Outstanding ranked higher than
51.83% of 218 companies
in the Credit Services industry.
Industry Max: 928.93, Med: 19.27, Min: 0.03
EZPW: 94.3
Ranked among companies with meaningful Days Sales Outstanding only.
Days Sales Outstanding range over the past 10 years
Min: 14.22, Med: 105.29, Max: 132.21
Current: 94.3
14.22
132.21
Days Payable 14.14
Days Payable ranked lower than
60.94% of 64 companies
in the Credit Services industry.
Industry Max: 930.92, Med: 39.69, Min: 0.24
EZPW: 14.14
Ranked among companies with meaningful Days Payable only.
Days Payable range over the past 10 years
Min: 10.06, Med: 15.22, Max: 41.61
Current: 14.14
10.06
41.61

Dividend & Buy Back

Current vs industry vs history
3-Year Share Buyback Rate -0.50
3-Year Share Buyback Rate ranked higher than
66.49% of 194 companies
in the Credit Services industry.
Industry Max: 26, Med: -3.7, Min: -404.3
EZPW: -0.5
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -43.8, Med: -1.7, Max: 30.3
Current: -0.5
-43.8
30.3

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.31
Price-to-Tangible-Book ranked lower than
68.22% of 409 companies
in the Credit Services industry.
Industry Max: 2322.04, Med: 1.26, Min: 0.04
EZPW: 1.31
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.17, Med: 1.42, Max: 4.18
Current: 1.31
0.17
4.18
Price-to-Projected-FCF 0.46
Price-to-Intrinsic-Value-Projected-FCF ranked higher than
61.11% of 90 companies
in the Credit Services industry.
Industry Max: 23.81, Med: 1.01, Min: 0.05
EZPW: 0.46
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.13, Med: 0.75, Max: 5.76
Current: 0.46
0.13
5.76
Price-to-Median-PS-Value 0.67
Price-to-Median-PS-Value ranked higher than
58.20% of 366 companies
in the Credit Services industry.
Industry Max: 31, Med: 1, Min: 0.01
EZPW: 0.67
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.08, Med: 0.9, Max: 3.95
Current: 0.67
0.08
3.95
Price-to-Graham-Number 1.49
Price-to-Graham-Number ranked lower than
64.82% of 199 companies
in the Credit Services industry.
Industry Max: 1124.21, Med: 1.07, Min: 0.02
EZPW: 1.49
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.45, Med: 1.12, Max: 7.46
Current: 1.49
0.45
7.46
Earnings Yield (Joel Greenblatt) % 8.99
Earnings Yield (Greenblatt) ranked higher than
71.37% of 454 companies
in the Credit Services industry.
Industry Max: 1250, Med: 4.38, Min: -434.78
EZPW: 8.99
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: -11.6, Med: 10.8, Max: 20.5
Current: 8.99
-11.6
20.5
Forward Rate of Return (Yacktman) % 8.96
Forward Rate of Return ranked lower than
90.70% of 172 companies
in the Credit Services industry.
Industry Max: 154.45, Med: 8.48, Min: -140.02
EZPW: 8.96
Ranked among companies with meaningful Forward Rate of Return only.
Forward Rate of Return range over the past 10 years
Min: 3.2, Med: 24.6, Max: 30.7
Current: 8.96
3.2
30.7

More Statistics

Revenue (TTM) (Mil) $ 836.85
EPS (TTM) $ 0.24
Beta 1.49
Volatility % 40.89
52-Week Range $ 7.45 - 13.1
Shares Outstanding (Mil) 55.45

Analyst Estimate

Piotroski F-Score Details

Piotroski F-Score 6
Positive ROA Y
Positive CFROA Y
Higher ROA yoy N
CFROA > ROA Y
Lower Leverage yoy Y
Higher Current Ratio yoy N
Less Shares Outstanding yoy Y
Higher Gross Margin yoy Y
Higher Asset Turnover yoy N