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EZCORP Inc

Financial Services US EZPW

14.62USD
-0.38(2.53%)

Last update at 2025-03-28T18:53:00Z

Day Range

14.3215.04
LowHigh

52 Week Range

7.7011.52
LowHigh

Fundamentals

  • Previous Close 15.00
  • Market Cap562.61M
  • Volume523968
  • P/E Ratio8.26
  • Dividend Yield-%
  • EBITDA138.83M
  • Revenue TTM1111.92M
  • Revenue Per Share TTM20.17
  • Gross Profit TTM 528.15M
  • Diluted EPS TTM1.24

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Type yearly yearly yearly yearly yearly
Date 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Income before tax 51.63M 67.71M 16.06M -70.09500M 4.17M
Minority interest - - 0.00000M 0.00000M -1.23000M
Net income 38.46M 50.16M 8.61M -68.46300M 1.77M
Selling general administrative 67.53M 64.34M 56.49M 49.90M 63.66M
Selling and marketing expenses - - - - -
Gross profit 609.84M 528.15M 449.49M 449.24M 494.45M
Reconciled depreciation 89.07M 84.34M 79.15M 76.48M 28.80M
Ebit 72.64M 74.92M 31.17M 7.84M 47.01M
Ebitda 161.71M 161.35M 117.47M 84.32M 89.73M
Depreciation and amortization 89.07M 86.43M 86.31M 76.48M 42.72M
Non operating income net other - 2.76M 7.07M 0.76M 9.53M
Operating income 92.15M 74.92M 31.17M 7.84M 47.01M
Other operating expenses 957.44M 811.98M 698.30M 815.73M 795.82M
Interest expense 16.46M 9.97M 22.18M 22.47M 32.64M
Tax provision 13.17M 17.55M 7.45M -1.63200M 2.41M
Interest income 7.47M 0.82M 2.48M 3.17M 11.09M
Net interest income -8.98600M -9.15500M -19.70000M -19.29900M -21.55100M
Extraordinary items - - - - -0.45700M
Non recurring - - - 54.67M -
Other items - - - - -
Income tax expense 13.17M 17.55M 7.45M -1.63200M 2.41M
Total revenue 1049.04M 886.23M 729.55M 822.81M 847.23M
Total operating expenses 518.23M 453.90M 418.23M 442.15M 443.04M
Cost of revenue 439.20M 358.08M 280.07M 373.58M 352.78M
Total other income expense net -30.98500M -7.20900M -15.10700M -77.93900M -42.83500M
Discontinued operations - - - - -0.45700M
Net income from continuing ops 38.46M 50.16M 8.61M -68.46300M 1.77M
Net income applicable to common shares - 50.16M 8.61M -68.46300M 2.54M
Preferred stock and other adjustments - - - - -
Breakdown 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Type yearly yearly yearly yearly yearly
Date 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Total assets 1467.71M 1347.88M 1266.91M 1197.02M 1083.70M
Intangible assets 58.22M 56.82M 62.10M 58.64M 68.04M
Earning assets - - - - -
Other current assets 4.11M 34.60M 40.97M 40.91M 30.80M
Total liab 721.94M 655.65M 594.67M 547.90M 338.75M
Total stockholder equity 745.77M 692.23M 672.24M 649.13M 744.95M
Deferred long term liab - 0.37M 3.68M 0.52M 1.99M
Other current liab 58.58M 60.45M 56.87M 39.47M 38.09M
Common stock 0.55M 0.56M 0.56M 0.55M 0.56M
Capital stock 0.55M 0.56M 0.56M 0.55M 0.56M
Retained earnings 431.14M 402.01M 326.78M 318.17M 389.16M
Other liab - 9.12M 14.07M 11.37M 9.29M
Good will 302.37M 286.83M 285.76M 257.58M 300.53M
Other assets - 19.80M 15.66M 14.30M 7.50M
Cash 220.59M 206.03M 253.67M 304.54M 157.57M
Cash and equivalents - - - - -
Total current liabilities 191.97M 152.87M 155.09M 132.47M 91.09M
Current deferred revenue 18.92M 16.02M 12.56M 11.01M 12.91M
Net debt 389.89M 339.96M 224.11M 149.47M 81.03M
Short term debt 91.45M 52.33M 52.26M 49.95M 0.21M
Short long term debt 34.27M - - 0.21M 0.21M
Short long term debt total 610.48M 545.99M 477.78M 454.01M 238.59M
Other stockholder equity 346.18M 345.33M 403.31M 398.48M 407.63M
Property plant equipment - 278.31M 53.81M 56.99M 67.36M
Total current assets 719.72M 644.16M 610.86M 593.25M 605.76M
Long term investments 47.21M 61.95M 38.91M 33.61M 35.63M
Net tangible assets - 348.58M 324.38M 332.91M 376.38M
Short term investments - - - - -
Net receivables 320.17M 243.49M 205.24M 151.90M 238.04M
Long term debt 325.85M 312.90M 264.19M 251.02M 238.38M
Inventory 166.48M 151.62M 110.99M 95.89M 179.35M
Accounts payable 23.02M 84.51M 90.27M 71.50M 77.96M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -32.10200M -55.66900M -58.41500M -68.06800M -52.39800M
Additional paid in capital - - - - -
Common stock total equity - 0.56M 0.56M 0.55M 0.56M
Preferred stock total equity - - - - -
Retained earnings total equity - 402.01M 326.78M 318.17M 389.16M
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 12.01M 7.66M 5.92M 5.37M 5.50M
Deferred long term asset charges - - - - -
Non current assets total 747.99M 703.72M 656.05M 603.77M 477.94M
Capital lease obligations 250.37M 233.09M 213.59M 202.78M -
Long term debt total - 312.90M 264.19M 251.02M 238.38M
Breakdown 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Type yearly yearly yearly yearly yearly
Date 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Investments -110.88600M -23.42700M -250.54600M -165.89900M -269.37600M
Change to liabilities - -61.78200M -54.20900M -37.40100M 25.89M
Total cashflows from investing activities - -113.28300M -84.61100M 109.90M -27.82900M
Net borrowings - - -15.41400M 0.71M -195.02900M
Total cash from financing activities 23.69M -2.83200M -16.25300M -6.25300M -198.31700M
Change to operating activities - 3.24M 7.37M -0.87500M 5.73M
Net income 38.46M 50.16M 8.61M -68.46300M 1.31M
Change in cash 14.60M -49.25500M -48.92900M 150.11M -123.13600M
Begin period cash flow 214.37M 263.62M 312.55M 162.44M 285.58M
End period cash flow 228.97M 214.37M 263.62M 312.55M 162.44M
Total cash from operating activities 101.83M 66.53M 46.44M 49.08M 103.52M
Issuance of capital stock - - - - -
Depreciation 89.07M 84.34M 79.15M 76.48M 28.80M
Other cashflows from investing activities - -1.00000M 189.54M 304.32M 280.39M
Dividends paid -3.58900M -3.36600M - - -
Change to inventory -4.81000M -15.34100M 0.37M 17.04M -0.49300M
Change to account receivables -4.20400M -4.57200M -7.33200M 11.02M -0.73200M
Sale purchase of stock -16.98800M -2.04000M 0.00000M -5.15800M -
Other cashflows from financing activities -10.55700M 2.57M -0.83900M -0.89700M -2.22400M
Change to netincome - 11.84M -4.76200M 43.61M 17.28M
Capital expenditures 40.45M 31.89M 23.60M 28.53M 38.84M
Change receivables - - - - -
Cash flows other operating - 51.44M 51.96M 51.09M 15.50M
Exchange rate changes - - - - -
Cash and cash equivalents changes - -49.58000M -54.42600M 152.72M -122.62900M
Change in working capital -58.05500M -81.24200M -50.36100M -16.57400M 17.52M
Stock based compensation 9.54M 5.05M 3.95M -5.09400M 9.75M
Other non cash items 35.62M 3.28M 1.81M 71.13M 44.52M
Free cash flow 61.39M 34.64M 22.84M 20.55M 64.68M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
EZPW
EZCORP Inc
-0.38 2.53% 14.62 8.26 10.54 0.55 0.77 0.91 5.87
V
Visa Inc. Class A
-6.34 1.81% 343.52 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc
-15.1 2.71% 542.47 37.04 29.50 16.14 62.35 16.47 27.24
AXP
American Express Company
-7.21 2.65% 264.81 21.83 20.04 3.53 7.21 4.18
PYPL
PayPal Holdings Inc
-3.76 5.46% 65.10 21.96 18.69 2.93 4.56 2.86 12.64

Reports Covered

Stock Research & News

Profile

EZCORP, Inc. provides pawn services in the United States and Latin America. The company operates through three segments: U.S. Pawn, Latin America Pawn, and Other Investments. The company offers pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. It also retails merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. In addition, the company provides EZ+, a web-based application that allow customers to manage their pawn transactions, layaways, and loyalty rewards online. Further, it operates under the EZPAWN, Value Pawn & Jewelry, Empeño Fácil, Cash Apoyo Efectivo, GuatePrenda, and MaxiEfectivo brands. EZCORP, Inc. was incorporated in 1989 and is headquartered in Austin, Texas.

EZCORP Inc

Building One, Austin, TX, United States, 78746

Key Executives

Name Title Year Born
Mr. Phillip Ean Cohen B.Com., M.B.A. Exec. Chairman 1949
Mr. Lachlan P. Given BBus CEO, Director & Chief Strategy, M&A and Funding Officer 1977
Mr. Timothy K. Jugmans Chief Financial Officer 1977
Mr. John Blair Powell Jr. COO & Pres of Global Pawn 1969
Mr. Thomas H. Welch Jr. Chief Legal Officer & Sec. 1955
Mr. Robert J. Hicks Chief Accounting Officer 1980
Mr. Keith Robertson Chief Information Officer 1965
Ms. Lisa VanRoekel Chief HR Officer 1970
Ms. Nicole Swies Chief Revenue Officer 1979
Mr. Sunil Sajnani CPA Chief Audit & Loss Prevention Exec. 1981

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