$570.2 M

EZPW Mkt cap, 15-Oct-2018

$243 M

EZCORP Revenue Q2, 2018
EZCORP Net income (Q2, 2018)23.6 M
EZCORP EBIT (Q2, 2018)38.3 M
EZCORP Cash, 31-Mar-2018159.9 M
EZCORP EV608.7 M

EZCORP Revenue Breakdown

Embed Graph

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

EZCORP Income Statement

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

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

Revenue growth, %

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

Operating expense total

381.9m

Depreciation and amortization

23.7m

EBIT

139.0m96.6m(8.9m)53.6m

EBIT margin, %

22%16%(2%)12%

Interest expense

15.2m22.8m42.2m27.8m

Interest income

1.6m12.1m

Pre tax profit

91.3m72.7m(90.8m)43.2m

Income tax expense

29.6m20.8m(26.7m)11.2m

Net Income

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

Quarterly

USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q2, 2018

Revenue

167.3m165.3m153.3m150.3m142.4m129.3m111.5m113.8m100.4m112.0m109.9m105.6m243.0m

Operating expense total

131.6m138.0m133.2m123.1m121.6m124.6m115.4m103.9m93.9m97.9m93.8m94.2m204.7m

Depreciation and amortization

12.2m

EBIT

35.7m27.4m20.0m27.2m20.8m4.7m(3.9m)9.9m6.5m14.1m16.1m11.4m38.3m

EBIT margin, %

21%17%13%18%15%4%(3%)9%6%13%15%11%16%

Interest expense

4.3m5.3m6.1m9.0m11.3m9.7m9.2m8.4m3.9m5.6m5.6m5.7m11.7m

Interest income

525.0k514.0k347.0k140.0k127.0k50.0k2.6m2.2m2.1m8.5m

Pre tax profit

32.8m13.3m16.5m20.4m4.5m(14.1m)(11.7m)(70.5m)3.8m13.0m13.7m8.9m37.7m

Income tax expense

9.9m4.2m4.3m6.4m1.3m(4.1m)(3.7m)6.2m1.0m4.8m5.4m3.4m13.4m

Net Income

24.4m9.1m12.3m15.1m437.0k(10.2m)(8.3m)(77.8m)(6.4m)7.0m7.9m5.2m23.6m

EZCORP Balance Sheet

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Cash

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

Accounts Receivable

Inventories

21.1m140.2m28.8m

Current Assets

537.1m676.4m555.9m482.1m581.0m

PP&E

116.3m105.9m75.6m58.5m58.0m

Goodwill

428.5m346.6m327.5m254.0m254.8m

Total Assets

1.3b1.4b983.2m1.0b

Accounts Payable

50.6m

Short-term debt

Current Liabilities

141.9m125.0m208.1m95.0m72.6m

Long-term debt

Total Liabilities

389.0m364.4m

Common Stock

513.0k506.0k507.0k511.0k

Additional Paid-in Capital

320.8m339.7m307.1m318.7m348.5m

Retained Earnings

599.9m547.2m423.1m319.8m351.7m

Total Equity

594.2m659.9m

Financial Leverage

1.7 x1.6 x

Quarterly

USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q2, 2018

Cash

38.5m32.2m50.0m77.6m138.2m114.4m22.8m75.3m29.4m63.7m120.1m113.7m159.9m

Inventories

142.7m129.0m132.0m134.0m116.1m115.3m133.0m126.4m130.4m143.4m137.0m135.1m158.6m

Current Assets

556.5m537.1m646.2m622.6m632.7m608.3m472.5m456.1m532.0m473.2m488.4m501.6m575.8m

PP&E

114.5m111.4m109.5m104.4m102.3m101.1m70.0m65.0m61.2m54.9m53.6m53.0m64.8m

Goodwill

434.8m435.0m436.8m337.5m344.9m331.8m326.2m254.8m254.3m253.6m254.2m254.5m289.4m

Total Assets

1.4b1.4b1.5b1.4b988.0m964.5m962.0m970.3m1.1b

Current Liabilities

111.8m106.7m128.7m116.5m178.0m168.8m179.4m188.6m205.9m78.4m73.3m75.9m176.2m

Long-term debt

198.3m

Total Debt

198.3m

Total Liabilities

370.3m339.7m507.8m451.3m420.7m365.6m348.5m346.0m386.4m

Common Stock

513.0k513.0k519.0k506.0k506.0k506.0k508.0k510.0k510.0k513.0k513.0k513.0k515.0k

Additional Paid-in Capital

321.6m327.4m347.2m338.7m330.0m327.0m309.6m312.6m313.6m319.8m321.5m322.6m353.7m

Retained Earnings

622.4m630.4m641.9m562.4m522.5m512.7m415.7m341.5m320.5m327.0m335.0m340.3m377.7m

Total Equity

591.5m569.8m598.9m613.5m624.3m688.1m

Financial Leverage

1.7 x1.6 x1.6 x1.6 x1.6 x

EZCORP Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

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

Depreciation and Amortization

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

Accounts Receivable

Inventories

433.0k(3.7m)28.8m

Accounts Payable

16.8m12.1m

Cash From Operating Activities

126.5m89.2m79.4m64.4m51.8m

Purchases of PP&E

(46.7m)(23.0m)(24.3m)(9.5m)(18.9m)

Cash From Investing Activities

(160.4m)(34.8m)(67.7m)6.7m(7.3m)

Cash From Financing Activities

22.2m(33.9m)2.4m(63.2m)53.4m

Interest Paid

12.6m16.4m16.5m18.7m9.1m

Income Taxes Paid

47.1m30.2m

Quarterly

USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q2, 2018

Net Income

24.4m9.1m12.3m15.1m437.0k(10.2m)(8.3m)(86.1m)(92.4m)7.0m7.9m23.6m

Depreciation and Amortization

7.5m7.5m7.6m7.6m9.1m8.9m8.1m15.1m20.4m6.4m6.0m12.2m

Inventories

(2.1m)(993.0k)(1.3m)(615.0k)(628.0k)

Cash From Operating Activities

(4.5m)55.7m(5.3m)45.5m

Purchases of PP&E

(1.2m)(3.0m)(6.4m)(2.3m)

Cash From Investing Activities

(9.4m)14.0m4.8m(49.5m)

Cash From Financing Activities

(21.7m)(49.9m)(706.0k)(311.0k)

EZCORP Ratios

USDY, 2018

EV/EBIT

15.9 x

EV/CFO

13.4 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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