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EZCORP Inc (NASDAQ:EZPW)
31.25 USD
+0.500 1.626%Sponsored Reports
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| Previous Close (in USD) | 30.75 |
|---|---|
| Change | +0.500 1.626% |
| 52 W H/L (in USD) | 31.000/12.850 |
| EBITDA (in USD) | 201.886M |
| PE Ratio | 19.49 |
| Volume | 508488 |
| Diluted Eps TTM | 1.57 |
| Total Assets (in USD) | 1951.209M |
|---|---|
| Total Liabilities (in USD) | 925.724M |
| Revenue TTM (in USD) | 1336.129M |
| Cash (in USD) | 469.524M |
| Market Cap (in USD) | 1,887.935 M |
| Revenue Per Share TTM | 22.619 |
| Gross Profit TTM (in USD) | 783.627M |
Summary
Income Statement
Balance Sheet
Change in Cash
Operating Cash
Dividend Paid
EZCORP Inc
EZCORP, Inc. provides pawn services in the United States, Mexixo, and Latin America. It operates through U.S. Pawn, Latin America Pawn, and Other Investments segments. The company retails merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. It also provides pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. In addition, the company offers EZ+, a web-based application that allow customers to manage their pawn transactions, layaways, and loyalty rewards online. Further, the company 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.
Employees: 8500
Key Executives
| Sr. No. | Name | Title | Year Born |
|---|---|---|---|
| 1. | Mr. Phillip Ean Cohen B.Com., M.B.A. | Exec. Chairman | 1949 |
| 2. | Mr. Lachlan P. Given BBus | CEO, Director & Chief Strategy, M&A and Funding Officer | 1977 |
| 3. | Mr. Timothy K. Jugmans | Chief Financial Officer | 1977 |
| 4. | Mr. John Blair Powell Jr. | COO & Pres of Global Pawn | 1969 |
| 5. | Mr. Thomas H. Welch Jr. | Chief Legal Officer & Sec. | 1955 |
| 6. | Mr. Robert J. Hicks | Chief Accounting Officer | 1980 |
| 7. | Mr. Keith Robertson | Chief Information Officer | 1965 |
| 8. | Ms. Lisa VanRoekel | Chief HR Officer | 1970 |
| 9. | Ms. Nicole Swies | Chief Revenue Officer | 1979 |
| 10. | Mr. Sunil Sajnani CPA | Chief Audit & Loss Prevention Exec. | 1981 |
Peers
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) |
|
V
Visa Inc. Class A |
+3.340 1.047% | 321.76 | 31.250 | 25.974 | 16.183 | 13.642 | 16.193 | 23.371 |
|
MA
Mastercard Inc |
+3.470 0.713% | 488.88 | 37.040 | 29.499 | 16.143 | 62.352 | 16.474 | 27.236 |
|
AXP
American Express Company |
+6.950 2.182% | 321.8 | 21.460 | 18.832 | 3.381 | 6.756 | 3.931 | 0.000 |
|
COF
Capital One Financial Corporation |
+2.690 1.478% | 184.03 | 61.360 | 10.040 | 3.842 | 1.122 | 3.021 | 0.000 |
Income Statement
(Currency in USD)| Breakdown | 30-09-2025 | 30-09-2024 | 30-09-2023 | 30-09-2022 | 30-09-2021 |
|---|---|---|---|---|---|
| Income Before Tax | 146.773M | 115.608M | 51.633M | 67.713M | 16.062M |
| Minority Interest | - | - | - | - | 0M |
| Net Income | 109.613M | 83.095M | 38.463M | 50.16M | 8.612M |
| Selling General Administrative | 83.5M | 75.557M | 67.529M | 64.342M | 56.495M |
| Gross Profit | 746.065M | 682.273M | 609.838M | 528.147M | 449.485M |
| Reconciled Depreciation | 32.538M | 33.069M | 89.068M | 84.341M | 79.152M |
| Ebit | 169.802M | 129.193M | 72.64M | 74.922M | 31.169M |
| Ebitda | 202.34M | 162.262M | 161.708M | 161.352M | 117.474M |
| Depreciation And Amortization | 32.538M | 33.069M | 89.068M | 86.43M | 86.305M |
| Operating Income | 149.169M | 112.53M | 92.15M | 74.922M | 31.169M |
| Other Operating Expenses | 1125.111M | 1049.072M | 957.437M | 811.977M | 698.299M |
| Interest Expense | 23.029M | 13.585M | 16.456M | 9.972M | 22.177M |
| Tax Provision | 37.16M | 32.513M | 13.17M | 17.553M | 7.45M |
| Interest Income | 14.721M | 10.575M | 7.47M | 0.817M | 2.477M |
| Net Interest Income | -8.308M | -3.01M | -8.986M | -9.155M | -19.7M |
| Income Tax Expense | 37.16M | 32.513M | 13.17M | 17.553M | 7.45M |
| Total Revenue | 1274.28M | 1161.602M | 1049.041M | 886.225M | 729.551M |
| Total Operating Expenses | 596.896M | 569.743M | 518.234M | 453.899M | 418.233M |
| Cost Of Revenue | 528.215M | 479.329M | 439.203M | 358.078M | 280.066M |
| Total Other Income Expense Net | -2.396M | 3.078M | -30.985M | -7.209M | -15.107M |
| Net Income From Continuing Ops | 109.613M | 83.095M | 38.463M | 50.16M | 8.612M |
| Net Income Applicable To Common Shares | - | - | - | 50.16M | 8.612M |
Balance Sheet
(Currency in USD)| Breakdown | 30-09-2025 | 30-09-2024 | 30-09-2023 | 30-09-2022 | 30-09-2021 |
|---|---|---|---|---|---|
| Total Assets | 1951.209M | 1493.237M | 1467.711M | 1347.878M | 1266.911M |
| Intangible Assets | 58.832M | 58.451M | 58.216M | 56.819M | 62.104M |
| Other Current Assets | 9.954M | 12.644M | 4.106M | 34.6M | 40.967M |
| Total Liab | 925.724M | 688.666M | 721.943M | 655.647M | 594.673M |
| Total Stockholder Equity | 1025.485M | 804.571M | 745.768M | 692.231M | 672.238M |
| Other Current Liab | 72.628M | 54.999M | 58.583M | 60.453M | 56.87M |
| Common Stock | 0.609M | 0.546M | 0.549M | 0.564M | 0.56M |
| Capital Stock | 0.609M | 0.546M | 0.549M | 0.564M | 0.56M |
| Retained Earnings | 612.687M | 507.206M | 431.14M | 402.006M | 326.781M |
| Good Will | 324.889M | 306.478M | 302.372M | 286.828M | 285.758M |
| Other Assets | - | - | - | 19.804M | 15.663M |
| Cash | 469.524M | 170.513M | 220.595M | 206.028M | 253.667M |
| Cash And Equivalents | - | - | - | - | - |
| Total Current Liabilities | 200.572M | 269.377M | 191.972M | 152.866M | 155.088M |
| Current Deferred Revenue | 33.901M | 21.57M | 18.92M | 16.023M | 12.557M |
| Net Debt | 294.516M | 396.429M | 389.886M | 339.965M | 224.112M |
| Short Term Debt | 61.228M | 162.07M | 91.447M | 52.334M | 52.263M |
| Short Long Term Debt | - | 103.072M | 34.265M | - | - |
| Short Long Term Debt Total | 764.04M | 566.942M | 610.481M | 545.993M | 477.779M |
| Other Stockholder Equity | 450.892M | 348.366M | 346.181M | 345.33M | 403.312M |
| Property Plant Equipment | - | - | - | 278.311M | 53.811M |
| Total Current Assets | 1125.956M | 728.998M | 719.719M | 644.163M | 610.861M |
| Long Term Investments | 70.026M | 65.229M | 47.207M | 61.953M | 38.905M |
| Short Term Investments | - | - | - | - | - |
| Net Receivables | 398.021M | 353.918M | 320.168M | 243.485M | 205.238M |
| Long Term Debt | 518.076M | 224.256M | 325.847M | 312.903M | 264.186M |
| Inventory | 248.457M | 191.923M | 166.477M | 151.615M | 110.989M |
| Accounts Payable | 22.923M | 20.85M | 23.022M | 84.509M | 90.268M |
| Accumulated Other Comprehensive Income | -38.703M | -51.547M | -32.102M | -55.669M | -58.415M |
| Non Currrent Assets Other | 30.258M | 68.044M | 12.011M | 7.659M | 5.917M |
| Non Current Assets Total | 825.253M | 764.239M | 747.992M | 703.715M | 656.05M |
| Capital Lease Obligations | 245.964M | 239.614M | 250.369M | 233.09M | 213.593M |
| Long Term Debt Total | - | - | - | 312.903M | 264.186M |
Cash Flow
(Currency in USD)| Breakdown | 30-09-2025 | 30-09-2024 | 30-09-2023 | 30-09-2022 | 30-09-2021 |
|---|---|---|---|---|---|
| Investments | -117.862M | -111.853M | -110.886M | -23.427M | -250.546M |
| Total Cashflows From Investing Activities | -117.862M | -111.853M | - | -113.283M | -84.611M |
| Total Cash From Financing Activities | 274.42M | -50.183M | 23.692M | -2.832M | -16.253M |
| Net Income | 109.613M | 83.095M | 38.463M | 50.16M | 8.612M |
| Change In Cash | 304.906M | -49.161M | 14.599M | -49.255M | -48.929M |
| Begin Period Cash Flow | 179.807M | 228.968M | 214.369M | 263.624M | 312.553M |
| End Period Cash Flow | 484.713M | 179.807M | 228.968M | 214.369M | 263.624M |
| Total Cash From Operating Activities | 148.985M | 113.6M | 101.834M | 66.535M | 46.438M |
| Depreciation | 32.538M | 33.069M | 89.068M | 84.341M | 79.152M |
| Other Cashflows From Investing Activities | -57.822M | -47.165M | - | -1M | 189.536M |
| Dividends Paid | 3.614M | 3.535M | -3.589M | -3.366M | - |
| Change To Inventory | -18.179M | -8.488M | -4.81M | -15.341M | 0.371M |
| Sale Purchase Of Stock | -6.999M | -12.008M | -16.988M | -2.04M | 0M |
| Other Cashflows From Financing Activities | -11.565M | -3.294M | -10.557M | 2.574M | -0.839M |
| Capital Expenditures | 38.561M | 35.764M | 40.446M | 31.895M | 23.601M |
| Change In Working Capital | -57.181M | -71.316M | -58.055M | -81.242M | -50.361M |
| Other Non Cash Items | 54.634M | 56.992M | 35.621M | 3.278M | 1.806M |
| Free Cash Flow | 110.424M | 77.836M | 61.388M | 34.64M | 22.837M |
Funds
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | iShares Core S&P Small-Cap ETF | 2 months ago | 3525382 |
| 2. | American Funds SMALLCAP World A | 2 months ago | 3438109 |
| 3. | Vanguard Total Stock Mkt Idx Inv | 2 months ago | 1744492 |
| 4. | First Wilshire US SCV Equities SMA | 5 months ago | 1432127 |
| 5. | Stephens Small Cap Growth | 2 months ago | 1392603 |
| 6. | Fidelity Small Cap Growth | 4 months ago | 1227640 |
| 7. | Strategic Advisers Fidelity US TtlStk | 3 months ago | 914300 |
| 8. | Wasatch Micro Cap | 5 months ago | 831408 |
| 9. | DFA US Small Cap Value I | 3 months ago | 767527 |
| 10. | Heartland Value Strategy | 2 months ago | 700000 |
| 11. | Heartland Value Investor | 3 months ago | 700000 |
| 12. | Vanguard Institutional Extnd Mkt Idx Tr | 2 months ago | 656423 |
| 13. | Fidelity Enhanced Small Cap ETF | 2 months ago | 649738 |
| 14. | Fidelity Small Cap Discovery | 4 months ago | 635500 |
| 15. | Fidelity Small Cap Growth K6 | 4 months ago | 612970 |
| 16. | Oberweis Micro-Cap Growth | 2 months ago | 612900 |
| 17. | Oberweis Micro-Cap | 5 months ago | 612900 |
| 18. | Fidelity Series Small Cap Discovery | 4 months ago | 594200 |
| 19. | Invesco S&P SmallCap Momentum ETF | 2 months ago | 566899 |
| 20. | State Street SPDR Port S&P 600 Sm CpETF | 2 months ago | 538741 |
Institutions
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | BlackRock Inc | 8 months ago | 7992270 |
| 2. | FMR Inc | 5 months ago | 4729537 |
| 3. | Dimensional Fund Advisors, Inc. | 5 months ago | 3563724 |
| 4. | Vanguard Group Inc | 5 months ago | 3547236 |
| 5. | Capital Research Global Investors | 5 months ago | 3167748 |
| 6. | Renaissance Technologies Corp | 5 months ago | 2354228 |
| 7. | First Wilshire Securities Mgmt Inc (CA) | 5 months ago | 1739001 |
| 8. | Wasatch Advisors LP | 5 months ago | 1693115 |
| 9. | Stephens Inv Mgmt Group LLC | 5 months ago | 1540046 |
| 10. | Qube Research & Technologies | 5 months ago | 1522859 |
| 11. | Amvescap Plc. | 8 months ago | 1246427 |
| 12. | Two Sigma Investments LLC | 5 months ago | 1234041 |
| 13. | Two Sigma Advisers, LLC | 5 months ago | 1212770 |
| 14. | State Street Corp | 8 months ago | 1211795 |
| 15. | Silvercrest Asset Management Group LLC | 5 months ago | 1094489 |
| 16. | Millennium Management LLC | 5 months ago | 1064517 |
| 17. | JPMorgan Chase & Co | 8 months ago | 966422 |
| 18. | Morgan Stanley - Brokerage Accounts | 8 months ago | 929567 |
| 19. | Wellington Management Company LLP | 5 months ago | 903101 |
| 20. | Geode Capital Management, LLC | 5 months ago | 892713 |
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