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Financial Services - Financial - Credit Services - NASDAQ - US
$ 11.92
-0.832 %
$ 652 M
Market Cap
9.93
P/E
1. INTRINSIC VALUE

EZCORP, Inc. provides pawn loans in the United States and Latin America. It offers pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. The company also sells merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. In addition, it offers Lana and EZ+ web-based engagement platforms to manage pawn loans. As of September 30, 2021, the company owned and operated 516 pawn stores in the United States; 508 pawn stores in Mexico; and 124 pawn stores in Guatemala, El Salvador, and Honduras. EZCORP, Inc. was founded in 1989 and is headquartered in Austin, Texas.[ Read More ]

The intrinsic value of one EZPW stock under the base case scenario is HIDDEN Compared to the current market price of 11.9 USD, EZCORP, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart EZPW

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FINANCIALS
1.16 B REVENUE
10.73%
-765 K OPERATING INCOME
-0.83%
83.1 M NET INCOME
116.04%
114 M OPERATING CASH FLOW
11.55%
-112 M INVESTING CASH FLOW
-0.87%
-50.2 M FINANCING CASH FLOW
-211.81%
295 M REVENUE
4.67%
26 M OPERATING INCOME
17.39%
18 M NET INCOME
-16.43%
35.5 M OPERATING CASH FLOW
135.65%
-41 M INVESTING CASH FLOW
-2874.75%
-3.11 M FINANCING CASH FLOW
1.21%
Balance Sheet Decomposition EZCORP, Inc.
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Current Assets 729 M
Cash & Short-Term Investments 171 M
Receivables 44 M
Other Current Assets 514 M
Non-Current Assets 764 M
Long-Term Investments 13.3 M
PP&E 293 M
Other Non-Current Assets 458 M
Current Liabilities 269 M
Accounts Payable 0
Short-Term Debt 162 M
Other Current Liabilities 107 M
Non-Current Liabilities 419 M
Long-Term Debt 405 M
Other Non-Current Liabilities 14.4 M
EFFICIENCY
Earnings Waterfall EZCORP, Inc.
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Revenue 1.16 B
Cost Of Revenue 479 M
Gross Profit 682 M
Operating Expenses 90.4 M
Operating Income -765 K
Other Expenses -83.9 M
Net Income 83.1 M
RATIOS
58.74% GROSS MARGIN
58.74%
-0.07% OPERATING MARGIN
-0.07%
7.15% NET MARGIN
7.15%
10.33% ROE
10.33%
5.56% ROA
5.56%
-0.04% ROIC
-0.04%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis EZCORP, Inc.
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Net Income 83.1 M
Depreciation & Amortization 33.1 M
Capital Expenditures 0
Stock-Based Compensation 10.4 M
Change in Working Capital 0
Others -14.3 M
Free Cash Flow 114 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets EZCORP, Inc.
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Wall Street analysts predict an average 1-year price target for EZPW of $18 , with forecasts ranging from a low of $17 to a high of $19 .
EZPW Lowest Price Target Wall Street Target
17 USD 42.62%
EZPW Average Price Target Wall Street Target
18 USD 51.01%
EZPW Highest Price Target Wall Street Target
19 USD 59.40%
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.00433 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership EZCORP, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
273 K USD 1
6-9 MONTHS
328 K USD 2
9-12 MONTHS
523 K USD 2
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
6 months ago
May 15, 2024
Sell 273 K USD
APPEL MATTHEW W
Director
- 26490
10.3185 USD
7 months ago
Apr 01, 2024
Sell 25.6 K USD
Swies Nicole
Chief Revenue Officer
- 2250
11.38 USD
8 months ago
Mar 04, 2024
Sell 207 K USD
ESPINOSA PABLO LAGOS
Director
- 20000
10.3325 USD
8 months ago
Feb 29, 2024
Sell 95.3 K USD
Swies Nicole
Chief Revenue Officer
- 9000
10.59352 USD
9 months ago
Feb 01, 2024
Sell 33.3 K USD
APPEL MATTHEW W
Director
- 3454
9.64 USD
9 months ago
Feb 01, 2024
Sell 39.8 K USD
APPEL MATTHEW W
Director
- 4106
9.69 USD
9 months ago
Feb 01, 2024
Sell 55 K USD
APPEL MATTHEW W
Director
- 5624
9.78 USD
9 months ago
Feb 01, 2024
Sell 119 K USD
APPEL MATTHEW W
Director
- 12636
9.44 USD
9 months ago
Feb 01, 2024
Sell 38.3 K USD
APPEL MATTHEW W
Director
- 3993
9.6 USD
9 months ago
Feb 01, 2024
Sell 52.7 K USD
APPEL MATTHEW W
Director
- 5528
9.54 USD
9 months ago
Feb 01, 2024
Sell 2.53 K USD
APPEL MATTHEW W
Director
- 256
9.87 USD
9 months ago
Feb 01, 2024
Sell 41.8 K USD
APPEL MATTHEW W
Director
- 4366
9.58 USD
10 months ago
Jan 02, 2024
Sell 19.6 K USD
Swies Nicole
Chief Revenue Officer
- 2250
8.73 USD
10 months ago
Dec 22, 2023
Sell 10.8 K USD
APPEL MATTHEW W
Director
- 1200
9.0112 USD
10 months ago
Dec 20, 2023
Sell 74.3 K USD
APPEL MATTHEW W
Director
- 8226
9.0278 USD
10 months ago
Dec 21, 2023
Sell 35.3 K USD
APPEL MATTHEW W
Director
- 3914
9.0182 USD
1 year ago
Aug 22, 2023
Sell 19.2 K USD
Swies Nicole
Chief Revenue Officer
- 2250
8.54 USD
1 year ago
Oct 02, 2023
Sell 18.6 K USD
Swies Nicole
Chief Revenue Officer
- 2250
8.26 USD
3 years ago
May 03, 2021
Bought 5.75 K USD
Kulas Jason A.
Chief Executive Officer
+ 1000
5.7533 USD
3 years ago
Apr 01, 2021
Bought 5.05 K USD
Kulas Jason A.
Chief Executive Officer
+ 1000
5.05 USD
3 years ago
Mar 02, 2021
Bought 4.87 USD
Kulas Jason A.
Chief Executive Officer
+ 1
4.87 USD
3 years ago
Mar 01, 2021
Bought 4.91 K USD
Kulas Jason A.
Chief Executive Officer
+ 999
4.9164 USD
3 years ago
Feb 01, 2021
Bought 4.57 K USD
Kulas Jason A.
Chief Executive Officer
+ 1000
4.5671 USD
3 years ago
Jan 04, 2021
Bought 4.82 K USD
Kulas Jason A.
Chief Executive Officer
+ 1000
4.8217 USD
3 years ago
Dec 01, 2020
Bought 5.24 K USD
Kulas Jason A.
Chief Executive Officer
+ 1000
5.2428 USD
4 years ago
Nov 02, 2020
Bought 4.52 K USD
Kulas Jason A.
Chief Executive Officer
+ 1000
4.5187 USD
4 years ago
Oct 01, 2020
Bought 5.01 K USD
Kulas Jason A.
Chief Executive Officer
+ 1000
5.011 USD
4 years ago
Sep 01, 2020
Bought 5.25 K USD
Kulas Jason A.
Chief Executive Officer
+ 1000
5.2477 USD
4 years ago
Aug 04, 2020
Bought 34.5 USD
Kulas Jason A.
Chief Executive Officer
+ 6
5.7433 USD
4 years ago
Aug 03, 2020
Bought 5.68 K USD
Kulas Jason A.
Chief Executive Officer
+ 994
5.7119 USD
4 years ago
Jul 02, 2020
Bought 84.6 USD
Kulas Jason A.
President and CFO
+ 14
6.0407 USD
4 years ago
Jul 01, 2020
Bought 5.98 K USD
Kulas Jason A.
President and CFO
+ 986
6.0681 USD
4 years ago
Jun 02, 2020
Bought 31.5 USD
Kulas Jason A.
President and CFO
+ 6
5.255 USD
4 years ago
Jun 01, 2020
Bought 5.29 K USD
Kulas Jason A.
President and CFO
+ 994
5.3216 USD
4 years ago
Feb 10, 2020
Sell 98 K USD
Wedin Jacob Gustaf Lennart
Chief Business Development Off
- 20000
4.8982 USD
4 years ago
Feb 11, 2020
Sell 14.2 K USD
Wedin Jacob Gustaf Lennart
Chief Business Development Off
- 2900
4.885 USD
4 years ago
Feb 11, 2020
Sell 488 USD
Wedin Jacob Gustaf Lennart
Chief Business Development Off
- 100
4.88 USD
7. News
Ezcorp (EZPW) Meets Q4 Earnings Estimates Ezcorp (EZPW) came out with quarterly earnings of $0.26 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.23 per share a year ago. zacks.com - 3 days ago
EZCORP Reports Fourth Quarter and Full Year Fiscal 2024 Results AUSTIN, Texas, Nov. 13, 2024 (GLOBE NEWSWIRE) -- EZCORP, Inc. (NASDAQ: EZPW), a leading provider of pawn transactions in the United States and Latin America, today announced results for its fourth quarter and full year ended September 30, 2024. Unless otherwise noted, all amounts in this release are in conformity with U.S. generally accepted accounting principles (“GAAP”) and comparisons shown are to the same period in the prior year. globenewswire.com - 3 days ago
EZCORP Gears Up to Post Q4 Earnings: What's in the Offing? EZPW is expected to have recorded an improvement in total revenues in fiscal Q4. zacks.com - 3 days ago
EZCORP to Release Fourth Quarter and Full Year Fiscal 2024 Results After Market Close on Wednesday, November 13, 2024 AUSTIN, Texas, Nov. 12, 2024 (GLOBE NEWSWIRE) -- EZCORP, Inc. (“EZCORP” or the “Company”) (NASDAQ: EZPW), a leading provider of pawn transactions in the United States and Latin America, will issue fourth quarter and full year fiscal 2024 financial results (period ended September 30, 2024) on Wednesday, November 13, 2024, after the market close. globenewswire.com - 4 days ago
EZCORP: Cheap For A Reason, But Further Upside Within Reach Pawn shop operator EZCORP trades at a big discount to FirstCash Holdings, its sole U.S.-listed peer, but there's a good reason for this valuation discrepancy. Yet while the discount is justified, there is still a path for EZPW, which is up by more than 42% year-to-date, to continue climbing higher. That said, keep in mind, too, that there's another potential risk that could affect results down the road, and explain this stock's elevated level of short interest. seekingalpha.com - 1 week ago
All You Need to Know About Ezcorp (EZPW) Rating Upgrade to Strong Buy Ezcorp (EZPW) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 1 month ago
Should Value Investors Buy EZCORP (EZPW) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 1 month ago
Rate Cut to Significantly Benefit Small-Cap Stocks: 5 Top Picks A low-interest rate regime is likely to benefit small cap companies the most. Five such stocks are - EZPW, AMSC, BYRN, LWAY, WLDN. zacks.com - 1 month ago
2 Buy Rated Small Caps with Big Growth: HRTG, EZPW Small-caps are commonly targeted thanks to their explosive growth profiles, though it's critical to note that they're generally more volatile than an established large-cap stock, for example. zacks.com - 2 months ago
EZCORP Announces Agreement to Acquire 53 Pawn Stores in Mexico AUSTIN, Texas, Sept. 11, 2024 (GLOBE NEWSWIRE) -- EZCORP, Inc. (NASDAQ:EZPW), a leading provider of pawn loans in the United States and Latin America, announced today that it has entered into a definitive agreement to acquire 53 pawn stores in Mexico. globenewswire.com - 2 months ago
Are Investors Undervaluing EZCORP (EZPW) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 2 months ago
Recent Price Trend in Ezcorp (EZPW) is Your Friend, Here's Why Ezcorp (EZPW) could be a great choice for investors looking to make a profit from fundamentally strong stocks that are currently on the move. It is one of the several stocks that made it through our "Recent Price Strength" screen. zacks.com - 2 months ago
8. Profile Summary

EZCORP, Inc. EZPW

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 652 M
Dividend Yield 0.00%
Description EZCORP, Inc. provides pawn loans in the United States and Latin America. It offers pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. The company also sells merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. In addition, it offers Lana and EZ+ web-based engagement platforms to manage pawn loans. As of September 30, 2021, the company owned and operated 516 pawn stores in the United States; 508 pawn stores in Mexico; and 124 pawn stores in Guatemala, El Salvador, and Honduras. EZCORP, Inc. was founded in 1989 and is headquartered in Austin, Texas.
Contact Building One, Austin, TX, 78746 https://www.ezcorp.com
IPO Date Aug. 27, 1991
Employees 7500
Officers Mr. John Blair Powell Jr. Chief Operating Officer & President of Global Pawn Ms. Ellen H. Bryant Chief Legal Officer & Secretary Ms. Lisa VanRoekel Chief Human Resources Officer Ms. Nicole Swies Chief Revenue Officer Mr. Sunil Sajnani CPA Chief Audit & Loss Prevention Executive Mr. Phillip Ean Cohen B.Com., M.B.A. Executive Chairman Mr. Lachlan P. Given BBus Chief Executive Officer, Director & Chief Strategy, M&A and Funding Officer Mr. Timothy K. Jugmans Chief Financial Officer Mr. Robert J. Hicks Chief Accounting Officer Mr. Keith Robertson Chief Information Officer