EZCORP, Inc.

Symbol: EZPW

NASDAQ

10.33

USD

Market price today

  • 7.2568

    P/E Ratio

  • -0.3229

    PEG Ratio

  • 1.08B

    MRK Cap

  • 0.00%

    DIV Yield

EZCORP, Inc. (EZPW) Stock Price & Analysis

Shares Outstanding

0M

Gross Profit Margin

0.58%

Operating Profit Margin

0.09%

Net Profit Margin

0.07%

Return on Assets

0.05%

Return on Equity

0.10%

Return on Capital Employed

0.08%

Company general description and statistics

Sector: Financial Services
Industry: Financial - Credit Services
CEO:Mr. Lachlan P. Given BBus
Full-time employees:7500
City:Austin
Address:Building One
IPO:1991-08-27
CIK:0000876523

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.

General Outlook

When we look at how much money they make before expenses, they keep 0.575% as profit. This shows they're good at controlling costs and are financially stable. Their operating profit, which is money made from regular business activities, is 0.091%. This means they run their business efficiently. Lastly, after paying all their bills, they still have a profit of 0.071%. This tells us they're good at keeping money after all costs.

Return on Investments

The company's asset efficiency, represented by a robust 0.052% return, is a testament to EZCORP, Inc.'s adeptness in optimizing resource deployment. EZCORP, Inc.'s utilization of its assets to generate profits is strikingly evident through a noteworthy return on equity of 0.103%. Furthermore, the proficiency of EZCORP, Inc. in capital utilization is underscored by a remarkable 0.076% return on capital employed.

Stock Prices

EZCORP, Inc.'s stock prices have been subject to undulating patterns. The peak stock value during this interval surged to $11.09, while its low point bottomed out at $10.77. This variance in figures offers investors a lucid insight into the roller-coaster ride that is EZCORP, Inc.'s stock market.

Liquidity Ratios

Analyzing EZPW liquidity ratios reveals its financial health of the firm. The current ratio of 417.05% gauges short-term asset coverage for liabilities. The quick ratio (312.62%) assesses immediate liquidity, while the cash ratio (132.28%) indicates cash reserves.

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Current Ratio417.05%
Quick Ratio312.62%
Cash Ratio132.28%

Profitability Ratios

EZPW profitability indicators offer a lens into its earnings landscape. A pretax profit margin of 9.06% underscores its earnings before tax deductions. The effective tax rate stands at 22.19%, revealing its tax efficiency. The net income per EBT, 77.81%, and the EBT per EBIT, 99.43%, provide insights into its earnings hierarchy. Lastly, with an EBIT per revenue ratio of 9.12%, we grasp its operational profitability.

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Pretax Profit Margin9.06%
Effective Tax Rate22.19%
Net Income per EBT77.81%
EBT per EBIT99.43%
EBIT per Revenue9.12%

Operational Efficiency

Operational metrics shed light on its business agility. With an operating cycle of 4.17, it details the span from stock purchase to revenue. The 3 days it takes to settle debts showcases its creditor relations. Meanwhile, a 1 cash conversion cycle and 356.00% receivables turnover rate reflect its cash flow efficiency and credit management, respectively.

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Days of Sales Outstanding313
Days of Inventory Outstanding126
Operating Cycle228.87
Days of Payables Outstanding9
Cash Conversion Cycle220
Receivables Turnover3.56
Payables Turnover41.37
Inventory Turnover2.89
Fixed Asset Turnover3.62
Asset Turnover0.74

Cash Flow Ratios

Peering into the cash flow metrics reveals liquidity and operational efficiency. The operating cash flow per share, 1.69, and free cash flow per share, 1.05, depict cash generation on a per-share basis. The cash per share value, 4.16, showcases liquidity position. Lastly, the operating cash flow sales ratio, 0.08, offers insight into cash flow relative to sales.

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Operating Cash Flow per Share1.69
Free Cash Flow per Share1.05
Cash per Share4.16
Operating Cash Flow Sales Ratio0.08
Free Cash Flow to Operating Cash Flow Ratio0.62
Cash Flow Coverage Ratio0.15
Short Term Coverage Ratio1.04
Capital Expenditure Coverage Ratio2.62
Dividend Paid and Capex Coverage Ratio2.62

Debt and Leverage Ratios

Diving into debt and leverage metrics unveils the company's financial structure. The debt ratio, at 40.70%, highlights its total liabilities relative to assets. With a debt-equity ratio of 0.77, we discern the balance between debt and equity financing. The long-term debt to capitalization, 39.56%, and total debt to capitalization, 43.41%, ratios shed light on its capital structure. An interest coverage of 7.39 indicates its ability to manage interest expenses.

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Debt Ratio40.70%
Debt Equity Ratio0.77
Long Term Debt to Capitalization39.56%
Total Debt to Capitalization43.41%
Interest Coverage7.39
Cash Flow to Debt Ratio0.15
Company Equity Multiplier1.88

Per Share Data

Speaking about the per share data offers a perceptive view of financial distribution. The revenue per share, 18.87, provides a glimpse into top-line earnings distributed across each share. Net income per share, 0.69, reflects the portion of profit attributed to each share. The book value per share, 13.42, represents the net asset value distributed per share, while the tangible book value per share, 6.93, excludes intangible assets.

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Revenue Per Share18.87
Net Income Per Share0.69
Book Value Per Share13.42
Tangible Book Value Per Share6.93
Shareholders Equity Per Share13.42
Interest Debt Per Share11.28
Capex Per Share-0.73

Growth Ratios

Delving into growth metrics provides a snapshot of financial expansion. The revenue growth rate, 18.37%, indicates top-line expansion, while the gross profit growth, 15.47%, reveals profitability trends. EBIT growth, 22.99%, and operating income growth, 22.99%, offer insights into operational profitability progression. The net income growth, -23.32%, showcases bottom-line expansion, and the EPS growth, -22.47%, measures the growth in earnings per share.

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Revenue Growth18.37%
Gross Profit Growth15.47%
EBIT Growth22.99%
Operating Income Growth22.99%
Net Income Growth-23.32%
EPS Growth-22.47%
EPS Diluted Growth-24.29%
Weighted Average Shares Growth-1.61%
Weighted Average Shares Diluted Growth-1.86%
Operating Cash Flow Growth53.05%
Free Cash Flow Growth77.22%
10-Year Revenue Growth per Share0.82%
5-Year Revenue Growth per Share26.33%
3-Year Revenue Growth per Share26.87%
10-Year Operating CF Growth per Share-21.82%
5-Year Operating CF Growth per Share12.44%
3-Year Operating CF Growth per Share106.48%
10-Year Net Income Growth per Share9.60%
5-Year Net Income Growth per Share-3.53%
3-Year Net Income Growth per Share155.90%
10-Year Shareholders Equity Growth per Share-20.82%
5-Year Shareholders Equity Growth per Share-2.33%
3-Year Shareholders Equity Growth per Share14.32%
Receivables Growth31.49%
Inventory Growth9.80%
Asset Growth8.89%
Book Value per Share Growth9.50%
Debt Growth11.81%
SGA Expenses Growth4.95%

Other Metrics

Venturing into other key metrics unveils diverse facets of financial performance. The enterprise value, 848,470,500, captures the company's total value, considering both debt and equity. Income quality, 2.65, assesses the reliability of reported earnings. The ratio of intangibles to total assets, 24.57%, indicates the value of non-physical assets, and capex to operating cash flow, -39.72%, measures reinvestment capability.

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Enterprise Value848,470,500
Income Quality2.65
Sales General and Administrative to Revenue0.06
Intangibles to Total Assets24.57%
Capex to Operating Cash Flow-39.72%
Capex to Revenue-3.86%
Capex to Depreciation-45.41%
Stock-Based Compensation to Revenue0.91%
Graham Number14.45
Return on Tangible Assets3.47%
Graham Net Net-3.20
Working Capital527,747,000
Tangible Asset Value385,180,000
Net Current Asset Value-2,224,000
Invested Capital1
Average Receivables281,826,500
Average Payables53,765,500
Average Inventory159,046,000
Days Sales Outstanding111
Days Payables Outstanding19
Days of Inventory On Hand138
ROIC5.06%
ROE0.05%

Valuation Ratios

Exploring the valuation ratios offers insights into perceived market value. The price to book value ratio, 0.71, and the price to book ratio, 0.71, reflect the market's valuation relative to the company's book value. The price to sales ratio, 0.97, provides a perspective on valuation in relation to sales. Ratios like price to free cash flows, 18.68, and price to operating cash flows, 6.10, gauge market valuation against cash flow metrics.

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Price Book Value Ratio0.71
Price to Book Ratio0.71
Price to Sales Ratio0.97
Price Cash Flow Ratio6.10
Price Earnings to Growth Ratio-0.32
Enterprise Value Multiple3.38
Price Fair Value0.71
Price to Operating Cash Flow Ratio6.10
Price to Free Cash Flows Ratio18.68
Price to Tangible Book Ratio0.61
Enterprise Value to Sales0.81
Enterprise Value Over EBITDA5.25
EV to Operating Cash Flow8.33
Earnings Yield8.39%
Free Cash Flow Yield13.39%
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Frequently Asked Question

How many company shares are outstanding in 2024?

There are stock number shares outstanding of EZCORP, Inc. (EZPW) on the NASDAQ in 2024.

What is P/E ratio of enterprise in 2024?

The current P/E ratio of enterprise is 7.257 in 2024.

What is the ticker symbol of EZCORP, Inc. stock?

The ticker symbol of EZCORP, Inc. stock is EZPW.

What is company IPO date?

IPO date of EZCORP, Inc. is 1991-08-27.

What is company current share price?

Current share price is 10.330 USD.

What is stock market cap today?

The market cap of stock today is 1076810470.000.

What is PEG ratio in 2024?

The current -0.323 is -0.323 in 2024.

What is the number of employees in 2024?

In 2024 the company has 7500.