EZCORP is an American pawn shop operator. The Company offers specialty consumer lending and signature loans. EZCORP operates locations in the U.S., Canada, the UK and Mexico under the names of EZPAWN, Value Pawn, EZMONEY, Empeño Fácil, Cash Converters and Grupo Finmart. It provides short term credit services and pawn loans. The Company is specialized in "non-recourse loans" collateralized by tangible personal property and also offers payday loans and fee-based credit services.

TypePublic
HQAustin, US
Founded1978
Size (employees)7,300 (est)
Websiteezcorp.com
EZCORP was founded in 1978 and is headquartered in Austin, US
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EZCORP Office Locations

EZCORP has an office in Austin
Austin, US (HQ)
200 2500 Bee Cave Rd
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EZCORP Financials and Metrics

EZCORP Revenue

EZCORP's revenue was reported to be $435.51 m in FY, 2017
USD

Revenue (Q2, 2018)

243 m

Net income (Q2, 2018)

23.6 m

EBIT (Q2, 2018)

38.3 m

Market capitalization (19-Sep-2018)

577.3 m

Closing stock price (19-Sep-2018)

10.6

Cash (31-Mar-2018)

159.9 m

EV

615.7 m
EZCORP's current market capitalization is $577.3 m.
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

640.7 m615.1 m444.9 m428.2 m435.5 m

Revenue growth, %

(4%)(28%)(4%)

Operating expense total

381.9 m

Depreciation and amortization

23.7 m
Quarterly
USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q2, 2018

Revenue

167.3 m165.3 m153.3 m150.3 m142.4 m129.3 m111.5 m113.8 m100.4 m112 m109.9 m105.6 m243 m

Operating expense total

131.6 m138 m133.2 m123.1 m121.6 m124.6 m115.4 m103.9 m93.9 m97.9 m93.8 m94.2 m204.7 m

Depreciation and amortization

12.2 m

EBIT

35.7 m27.4 m20 m27.2 m20.8 m4.7 m(3.9 m)9.9 m6.5 m14.1 m16.1 m11.4 m38.3 m
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Cash

36.3 m56.3 m59.1 m65.7 m164.4 m

Accounts Receivable

Inventories

21.1 m140.2 m28.8 m

Current Assets

537.1 m676.4 m555.9 m482.1 m581 m
Quarterly
USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q2, 2018

Cash

38.5 m32.2 m50 m77.6 m138.2 m114.4 m22.8 m75.3 m29.4 m63.7 m120.1 m113.7 m159.9 m

Inventories

142.7 m129 m132 m134 m116.1 m115.3 m133 m126.4 m130.4 m143.4 m137 m135.1 m158.6 m

Current Assets

556.5 m537.1 m646.2 m622.6 m632.7 m608.3 m472.5 m456.1 m532 m473.2 m488.4 m501.6 m575.8 m

PP&E

114.5 m111.4 m109.5 m104.4 m102.3 m101.1 m70 m65 m61.2 m54.9 m53.6 m53 m64.8 m
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

38.4 m(41.5 m)(91.5 m)(88.4 m)30.2 m

Depreciation and Amortization

33.6 m35.3 m33.5 m28.7 m23.7 m

Inventories

433 k(3.7 m)28.8 m

Accounts Payable

16.8 m12.1 m
Quarterly
USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q2, 2018

Net Income

24.4 m9.1 m12.3 m15.1 m437 k(10.2 m)(8.3 m)(86.1 m)(92.4 m)7 m7.9 m23.6 m

Depreciation and Amortization

7.5 m7.5 m7.6 m7.6 m9.1 m8.9 m8.1 m15.1 m20.4 m6.4 m6 m12.2 m

Inventories

(2.1 m)(993 k)(1.3 m)(615 k)(628 k)

Cash From Operating Activities

(4.5 m)55.7 m(5.3 m)45.5 m
USDY, 2018

EV/EBIT

16.1 x

EV/CFO

13.5 x

Financial Leverage

1.6 x
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EZCORP Operating Metrics

EZCORP's Stores was reported to be 786 in Q3, 2017. EZCORP's Total Loans was reported to be $168.3m in Q3, 2017.
FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017Q3, 2017

Stores

804 863 870 819 786 826 829 787 786 783 784 786

Total Loans

$162.44 m$150.93 m$127.93 m$144.38 m$159.96 m$157.91 m$140.20 m$160.27 m$167.33 m$162.20 m$143.27 m$168.26 m
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EZCORP Revenue Breakdown

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EZCORP revenue breakdown by geographic segment: 86.3% from U.S. Pawn, 12.1% from Mexico Pawn and 1.6% from Other

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EZCORP Online and Social Media Presence

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EZCORP Company Life and Culture

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