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Market Cap

US$283.0m

Last Updated

2021/04/20 23:38 UTC

Data Sources

Company Financials +

Executive Summary

EZCORP, Inc. provides pawn loans in the United States and Latin America. More Details

Rewards

Earnings are forecast to grow 106.34% per year

Risk Analysis

No risks detected for EZPW from our risk checks.


Snowflake Analysis

Flawless balance sheet with moderate growth potential.


Similar Companies

Share Price & News

How has EZCORP's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: EZPW is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: EZPW's weekly volatility (5%) has been stable over the past year.


Market Performance


7 Day Return

-2.3%

EZPW

-2.0%

US Consumer Finance

-0.8%

US Market


1 Year Return

4.7%

EZPW

111.1%

US Consumer Finance

58.4%

US Market

Return vs Industry: EZPW underperformed the US Consumer Finance industry which returned 108.2% over the past year.

Return vs Market: EZPW underperformed the US Market which returned 55% over the past year.


Shareholder returns

EZPWIndustryMarket
7 Day-2.3%-2.0%-0.8%
30 Day-8.1%-0.8%3.1%
90 Day9.2%8.7%4.2%
1 Year4.7%4.7%115.6%111.1%61.1%58.4%
3 Year-61.7%-61.7%37.6%30.2%66.0%55.4%
5 Year9.0%9.0%102.9%85.5%120.8%96.1%

Long-Term Price Volatility Vs. Market

How volatile is EZCORP's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is EZCORP undervalued compared to its fair value and its price relative to the market?

0.43x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate EZPW's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate EZPW's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: EZPW is unprofitable, so we can't compare its PE Ratio to the US Consumer Finance industry average.

PE vs Market: EZPW is unprofitable, so we can't compare its PE Ratio to the US market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate EZPW's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: EZPW is good value based on its PB Ratio (0.4x) compared to the US Consumer Finance industry average (1.8x).


Future Growth

How is EZCORP forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?

106.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: EZPW is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (2%).

Earnings vs Market: EZPW is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: EZPW's is expected to become profitable in the next 3 years.

Revenue vs Market: EZPW's revenue (5.4% per year) is forecast to grow slower than the US market (9.7% per year).

High Growth Revenue: EZPW's revenue (5.4% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: EZPW's Return on Equity is forecast to be low in 3 years time (5.7%).


Past Performance

How has EZCORP performed over the past 5 years?

-13.8%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: EZPW is currently unprofitable.

Growing Profit Margin: EZPW is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: EZPW is unprofitable, and losses have increased over the past 5 years at a rate of 13.8% per year.

Accelerating Growth: Unable to compare EZPW's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: EZPW is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-11.3%).


Return on Equity

High ROE: EZPW has a negative Return on Equity (-9.84%), as it is currently unprofitable.


Financial Health

How is EZCORP's financial position?


Financial Position Analysis

Short Term Liabilities: EZPW's short term assets ($598.9M) exceed its short term liabilities ($123.2M).

Long Term Liabilities: EZPW's short term assets ($598.9M) exceed its long term liabilities ($409.4M).


Debt to Equity History and Analysis

Debt Level: EZPW's debt to equity ratio (38.3%) is considered satisfactory.

Reducing Debt: EZPW's debt to equity ratio has reduced from 52.4% to 38.3% over the past 5 years.


Balance Sheet


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: Whilst unprofitable EZPW has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.

Forecast Cash Runway: EZPW is unprofitable but has sufficient cash runway for more than 3 years, even with free cash flow being positive and shrinking by 4.7% per year.


Dividend

What is EZCORP current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate EZPW's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate EZPW's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if EZPW's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if EZPW's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of EZPW's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

1.1yrs

Average management tenure


CEO

Jason Kulas (49 yo)

0.75

Tenure

US$1,902,980

Compensation

Mr. Jason A. Kulas has been Chief Executive Officer and Director of EZCORP, Inc. since July 6, 2020 and served as its Chief Financial Officer since February 28, 2020 until September 1, 2020. He serves as P...


CEO Compensation Analysis

Compensation vs Market: Jason's total compensation ($USD1.90M) is above average for companies of similar size in the US market ($USD967.82K).

Compensation vs Earnings: Jason's compensation has increased whilst the company is unprofitable.


Leadership Team

Experienced Management: EZPW's management team is not considered experienced ( 1.1 years average tenure), which suggests a new team.


Board Members

Experienced Board: EZPW's board of directors are not considered experienced ( 1.8 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: EZPW insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

EZCORP, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: EZCORP, Inc.
  • Ticker: EZPW
  • Exchange: NasdaqGS
  • Founded: 1989
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: US$282.998m
  • Shares outstanding: 55.60m
  • Website: https://www.ezcorp.com

Number of Employees


Location

  • EZCORP, Inc.
  • Building One
  • Suite 200
  • Austin
  • Texas
  • 78746
  • United States

Listings


Biography

EZCORP, Inc. provides pawn loans in the United States and Latin America. The company offers pawn loans, which are non-recourse loans collateralized by tangible personal property, including jewelry, consume...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/04/20 23:38
End of Day Share Price2021/04/20 00:00
Earnings2020/12/31
Annual Earnings2020/09/30


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.