Market Cap
US$288.9m
Last Updated
2021/04/16 22:13 UTC
Data Sources
Company Financials +
Executive Summary
EZCORP, Inc. provides pawn loans in the United States and Latin America. More Details
Rewards
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
-2.6%
EZPW
0.6%
US Consumer Finance
1.3%
US Market
1 Year Return
5.7%
EZPW
105.3%
US Consumer Finance
53.9%
US Market
Return vs Industry: EZPW underperformed the US Consumer Finance industry which returned 105.3% over the past year.
Return vs Market: EZPW underperformed the US Market which returned 53.9% over the past year.
Shareholder returns
| EZPW | Industry | Market | |
|---|---|---|---|
| 7 Day | -2.6% | 0.6% | 1.3% |
| 30 Day | -7.8% | 1.1% | 3.3% |
| 90 Day | 11.8% | 15.0% | 8.9% |
| 1 Year | 5.7%5.7% | 109.2%105.3% | 56.6%53.9% |
| 3 Year | -60.5%-60.5% | 42.5%35.3% | 64.4%53.6% |
| 5 Year | 8.5%8.5% | 113.2%95.2% | 120.4%95.7% |
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
1 week ago | Simply Wall St
A Look At EZCORP's (NASDAQ:EZPW) Share Price Returns5 months ago | Simply Wall St
EZCORP, Inc. (NASDAQ:EZPW) Insiders Have Been Selling8 months ago | Simply Wall St
If You Had Bought EZCORP's (NASDAQ:EZPW) Shares Three Years Ago You Would Be Down 35%Valuation
Is EZCORP undervalued compared to its fair value and its price relative to the market?
0.44x
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 (9.3% 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 (-21.4%).
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 ($USD1.01M).
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$288.888m
- 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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/04/16 22:13 |
| End of Day Share Price | 2021/04/16 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/09/30 |
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.