A Business at a Glance
0 of 1 daily views used (1 remaining). Sign up free for +5 more daily views (6 total), or try AAPL for a full preview.
EZCORP INC
EZPW
$2.3B
Mkt Cap
$29.54
-2.06%
EZCORP INC (EZPW) has a current P/E ratio of 18.8, compared to its historical median P/E of 15.2. The stock is currently considered Fair based on its historical valuation range.
EZCORP INC (EZPW) has a 5-year average return on invested capital (ROIC) of 6.7%. This is below average and may indicate limited pricing power.
EZCORP INC (EZPW) has a market capitalization of $2.5B. It is classified as a mid-cap stock.
EZCORP INC (EZPW) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 0.28%.
Based on historical P/E analysis, EZCORP INC (EZPW) appears fair. The current P/E of 18.8 is 24% above its historical median of 15.2. The estimated fair value CAGR (P/E method) is 26.3%.
EZCORP INC (EZPW) operates in the Retail-Miscellaneous Retail industry, within the Consumer Cyclical sector.
EZCORP INC (EZPW) reported annual revenue of $1.3 billion in its most recent fiscal year, based on SEC EDGAR filings.
Purpose, Vision and Strategy EZCORP, Inc. is a leading provider of pawn services in the United States (“U.S.”) and Latin America with 1,360 locations and approximately 8,500 Team Members. We are a Delaware corporation headquartered in Austin, Texas. Our purpose statement: “We exist to serve our customers’ short-term cash and pre-owned retail needs, helping them to live and enjoy their lives. We are driven by a diverse team with a passion for pawn who are motivated to be their best — because our customers, families, stakeholders, and the communities and environment in which we live deserve it.” This purpose is supported by a customer-centric strategy that includes the following: •Providing fast, easy and simple access to cash; •Serving our customers in a friendly and respectful way; •Always being competitive and fair; •Passionately serving customer needs; •Building enduring relationships; and •Recognizing and rewarding customer loyalty.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.5B | 1.3B | 1.2B | 1.0B | 886M | 730M |
| Net Income | 147M | 110M | 83M | 38M | 50M | 8.6M |
| EPS | $1.76 | $1.42 | $1.10 | $0.53 | $0.70 | $0.15 |
| Free Cash Flow | 131M | 110M | 78M | 61M | 35M | 23M |
| ROIC | 11.8% | 9.8% | 7.8% | 7.1% | 6.3% | 2.8% |
| Gross Margin | 58.6% | 58.5% | 58.7% | 58.1% | 59.6% | 61.6% |
| Debt/Equity | 0.46 | 0.75 | 0.70 | 0.82 | 0.79 | 0.46 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 201M | 149M | 113M | 92M | 75M | 31M |
| Operating Margin | 13.6% | 11.7% | 9.7% | 8.8% | 8.5% | 4.3% |
| ROE | 13.1% | 12.0% | 10.7% | 5.3% | 7.4% | 1.3% |
| Shares Outstanding | 83M | 77M | 76M | 73M | 72M | 57M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 746M | 720M | 731M | 748M | 812M | 847M | 823M | 730M | 886M | 1.0B | 1.2B | 1.3B | 1.5B |
| Gross Margin | 56.6% | 56.0% | 58.6% | 58.2% | 59.3% | 58.4% | 54.6% | 61.6% | 59.6% | 58.1% | 58.7% | 58.5% | 58.6% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 80M | 73M | 68M | 53M | 54M | 64M | 54M | 56M | 64M | 68M | 76M | 84M | 106M |
| EBIT | 18M | -16M | 29M | 53M | 67M | 47M | -48M | 31M | 75M | 92M | 113M | 149M | 201M |
| Op. Margin | 2.4% | -2.2% | 4.0% | 7.1% | 8.3% | 5.5% | -5.9% | 4.3% | 8.5% | 8.8% | 9.7% | 11.7% | 13.6% |
| Net Income | -68M | -89M | -81M | 31M | 37M | 2.5M | -68M | 8.6M | 50M | 38M | 83M | 110M | 147M |
| Net Margin | -9.1% | -12.4% | -11.1% | 4.2% | 4.6% | 0.3% | -8.3% | 1.2% | 5.7% | 3.7% | 7.2% | 8.6% | 9.9% |
| Non-Recurring | 96M | 45M | 72M | -359K | 0 | 0 | 41M | 41M | 674K | 1.5M | 16K | -135K | -135K |
| Returns on Capital | |||||||||||||
| ROIC | 0.9% | -1.6% | 2.2% | 4.8% | 5.3% | 3.7% | -7.3% | 2.8% | 6.3% | 7.1% | 7.8% | 9.8% | 11.8% |
| ROE | -7.8% | -12.1% | -12.9% | 5.0% | 5.3% | 0.3% | -9.8% | 1.3% | 7.4% | 5.3% | 10.7% | 12.0% | 13.1% |
| ROA | -4.9% | -6.9% | -7.4% | 3.1% | 3.3% | 0.2% | -6.0% | 0.7% | 3.8% | 2.7% | 5.6% | 6.4% | 6.9% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 75M | 79M | 68M | 51M | 89M | 104M | 49M | 46M | 67M | 102M | 114M | 149M | 174M |
| Free Cash Flow | 52M | 56M | 55M | 26M | 49M | 65M | 21M | 23M | 35M | 61M | 78M | 110M | 131M |
| Owner Earnings | 29M | 40M | 34M | 21M | 53M | 65M | 13M | 12M | 29M | 60M | 70M | 104M | 123M |
| CapEx | 23M | 24M | 13M | 25M | 40M | 39M | 29M | 24M | 32M | 40M | 36M | 39M | 43M |
| Maint. CapEx | 39M | 37M | 29M | 24M | 25M | 29M | 31M | 31M | 32M | 32M | 33M | 33M | 35M |
| Growth CapEx | 0 | 0 | 0 | 1.3M | 15M | 10M | 0 | 0 | 0 | 8.3M | 2.7M | 6.0M | 8.0M |
| D&A | 39M | 37M | 29M | 24M | 25M | 29M | 31M | 31M | 32M | 32M | 33M | 33M | 35M |
| CapEx/OCF | 30.7% | 30.6% | 14.8% | 43.1% | 45.5% | 37.5% | 58.1% | 50.8% | 47.9% | 39.7% | 31.5% | 25.9% | 24.5% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 12M | 0 | 12M | 0 | 0 | 0 | 5.2M | 0 | 2.0M | 17M | 12M | 7.0M | 7.0M |
| Buyback Yield | 2.2% | N/A | 2.1% | N/A | N/A | N/A | 1.8% | N/A | 0.4% | 2.9% | 1.5% | 0.5% | 0.3% |
| Stock-Based Comp | 6.8M | 2.4M | 5.3M | 5.9M | 11M | 9.8M | 5.1M | 3.9M | 5.1M | 9.5M | 10M | 12M | 16M |
| Debt Repayment | 573M | 72M | 112M | 85M | 3.5M | 196M | 198K | 15M | 0 | 178M | 34M | 6.4M | 6.4M |
| Balance Sheet | |||||||||||||
| Net Debt | 373M | 139M | 218M | 172M | 132M | 81M | 149M | 58M | 340M | 390M | 396M | 295M | 165M |
| Cash & Equiv. | 55M | 59M | 66M | 113M | 285M | 158M | 305M | 254M | 206M | 221M | 171M | 470M | 354M |
| Long-Term Debt | 392M | 198M | 284M | 285M | 227M | 238M | 251M | 311M | 313M | 326M | 224M | 518M | 519M |
| Debt/Equity | 0.53 | 0.30 | 0.48 | 0.43 | 0.56 | 0.32 | 0.70 | 0.46 | 0.79 | 0.82 | 0.70 | 0.75 | 0.46 |
| Interest Coverage | 2.3 | -1.0 | 1.8 | 1.9 | 2.4 | 1.4 | -2.2 | 1.4 | 7.5 | 5.6 | 8.3 | 6.5 | 255.9 |
| Equity | 812M | 656M | 595M | 662M | 743M | 745M | 649M | 672M | 692M | 746M | 805M | 1.0B | 1.1B |
| Total Assets | 1.4B | 1.2B | 983M | 1.0B | 1.2B | 1.1B | 1.2B | 1.3B | 1.3B | 1.5B | 1.5B | 2.0B | 2.1B |
| Total Liabilities | 555M | 517M | 389M | 364M | 502M | 339M | 548M | 595M | 656M | 722M | 689M | 926M | 985M |
| Intangibles | 66M | 31M | 31M | 32M | 55M | 68M | 59M | 62M | 57M | 58M | 58M | 59M | 125M |
| Retained Earnings | 510M | 401M | 320M | 361M | 383M | 389M | 318M | 353M | 402M | 431M | 507M | 613M | 704M |
| Working Capital | 487M | 304M | 387M | 521M | 489M | 515M | 461M | 456M | 491M | 528M | 460M | 925M | 860M |
| Current Assets | 635M | 511M | 482M | 581M | 749M | 606M | 593M | 611M | 644M | 720M | 729M | 1.1B | 1.1B |
| Current Liabilities | 148M | 208M | 95M | 60M | 260M | 91M | 132M | 155M | 153M | 192M | 269M | 201M | 232M |
| Per Share Data | |||||||||||||
| EPS | -1.25 | -1.64 | -1.49 | 0.58 | 0.64 | 0.05 | -1.24 | 0.15 | 0.70 | 0.53 | 1.10 | 1.42 | 1.76 |
| Owner EPS | 0.54 | 0.74 | 0.63 | 0.39 | 0.90 | 1.28 | 0.24 | 0.21 | 0.41 | 0.83 | 0.93 | 1.35 | 1.48 |
| Book Value | 15.00 | 12.06 | 10.98 | 12.23 | 12.75 | 14.66 | 11.76 | 11.71 | 9.66 | 10.28 | 10.65 | 13.28 | 13.44 |
| Cash Flow/Share | 1.38 | 1.46 | 1.26 | 0.94 | 1.53 | 2.04 | 0.89 | 0.81 | 0.93 | 1.40 | 1.50 | 1.93 | 2.17 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 54.2M | 54.4M | 54.2M | 54.2M | 58.3M | 50.8M | 55.2M | 57.4M | 71.7M | 72.6M | 75.5M | 77.2M | 83.4M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | N/A | N/A | 16.5 | 16.2 | 132.6 | N/A | 52.6 | 11.4 | 15.2 | 9.8 | 13.2 | 16.8 |
| P/FCF | 10.4 | 6.0 | 10.2 | 21.6 | 12.8 | 5.2 | 13.8 | 19.8 | 16.5 | 9.5 | 10.5 | 13.1 | 18.8 |
| EV/EBIT | 48.9 | N/A | 24.5 | 9.0 | 9.5 | 5.5 | N/A | 6.7 | 6.3 | 5.8 | 8.1 | 6.9 | 13.0 |
| Price/Book | 0.7 | 0.9 | 0.9 | 0.8 | 0.8 | 0.5 | 0.4 | 0.7 | 0.8 | 0.8 | 1.0 | 1.4 | 2.2 |
| Price/Sales | 0.8 | 1.2 | 0.5 | 0.6 | 0.8 | 0.6 | 0.4 | 0.4 | 0.6 | 0.6 | 0.6 | 0.8 | 1.7 |
| FCF Yield | 9.6% | 9.6% | 9.7% | 4.9% | 8.0% | 19.2% | 7.3% | 5.0% | 6.1% | 10.5% | 9.5% | 7.6% | 5.3% |
| Market Cap | 542M | 579M | 563M | 527M | 604M | 337M | 283M | 453M | 571M | 585M | 817M | 1.4B | 2.5B |
| Avg. Price | 11.70 | 9.01 | 6.12 | 9.35 | 12.04 | 9.30 | 5.46 | 5.70 | 7.36 | 8.74 | 9.93 | 13.80 | 29.54 |
| Year-End Price | 9.96 | 6.10 | 10.35 | 10.25 | 10.70 | 6.63 | 5.13 | 7.89 | 7.97 | 8.06 | 10.82 | 18.76 | 29.54 |
EZCORP INC passes 4 of 9 quality checks, suggesting mixed fundamentals.
EZCORP INC trades at 18.8x trailing earnings, compared to its 15-year median P/E of 15.2x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 14.3x vs a median of 13.0x. The company's 5-year average ROIC is 6.7% with a gross margin of 59.3%. Total shareholder yield (buybacks) is 0.3%. At current prices, the estimated annualized return to fair value is +15.8%.
EZCORP INC (EZPW) has a net profit margin of 8.6%. This is a modest margin.
EZCORP INC (EZPW) generated $110 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
EZCORP INC (EZPW) has a debt-to-equity ratio of 0.75. This indicates moderate leverage.
EZCORP INC (EZPW) reported earnings per share (EPS) of $1.42 in its most recent fiscal year.
EZCORP INC (EZPW) has a return on equity (ROE) of 12.0%. This indicates moderate shareholder returns.
EZCORP INC (EZPW) has a 5-year average gross margin of 59.3%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 15 years of financial data for EZCORP INC (EZPW), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
EZCORP INC (EZPW) has a book value per share of $13.28, based on its most recent annual SEC filing.