EZCORP (EZPW) Financials

$721.7 M

Mkt cap, 21-May-2018

$243 M

Revenue Q2, 2018
Net income (Q2, 2018)23.6 M
EBIT (Q2, 2018)38.3 M
Cash, 31-Mar-2018159.9 M
EV760.1 M

Revenue/Financials

Income Statement

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

EBIT

139 m96.6 m(8.9 m)53.6 m

EBIT margin, %

22%16%(2%)12%

Interest expense

15.2 m22.8 m42.2 m27.8 m

Interest income

1.6 m12.1 m

Pre tax profit

91.3 m72.7 m(90.8 m)43.2 m

Income tax expense

29.6 m20.8 m(26.7 m)11.2 m

Net Income

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

EBIT margin, %

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

Interest expense

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

Interest income

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

Pre tax profit

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

Income tax expense

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

Net Income

24.4 m9.1 m12.3 m15.1 m437 k(10.2 m)(8.3 m)(77.8 m)(6.4 m)7 m7.9 m5.2 m23.6 m

Balance Sheet

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

PP&E

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

Goodwill

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

Total Assets

1.3 b1.4 b983.2 m1 b

Accounts Payable

50.6 m

Short-term debt

Current Liabilities

141.9 m125 m208.1 m95 m72.6 m

Long-term debt

Total Liabilities

389 m364.4 m

Common Stock

513 k506 k507 k511 k

Additional Paid-in Capital

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

Retained Earnings

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

Total Equity

594.2 m659.9 m

Financial Leverage

1.7 x1.6 x

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

Goodwill

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

Total Assets

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

Current Liabilities

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

Long-term debt

198.3 m

Total Debt

198.3 m

Total Liabilities

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

Common Stock

513 k513 k519 k506 k506 k506 k508 k510 k510 k513 k513 k513 k515 k

Additional Paid-in Capital

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

Retained Earnings

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

Total Equity

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

Financial Leverage

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

Cash Flow

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

Accounts Receivable

Inventories

433 k(3.7 m)28.8 m

Accounts Payable

16.8 m12.1 m

Cash From Operating Activities

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

Purchases of PP&E

(46.7 m)(23 m)(24.3 m)(9.6 m)(18.9 m)

Cash From Investing Activities

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

Cash From Financing Activities

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

Interest Paid

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

Income Taxes Paid

47.1 m30.2 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

Purchases of PP&E

(1.2 m)(3 m)(6.4 m)(2.3 m)

Cash From Investing Activities

(9.4 m)14 m4.8 m(49.5 m)

Cash From Financing Activities

(21.7 m)(49.9 m)(706 k)(311 k)

Ratios

USDY, 2018

EV/EBIT

19.9 x

EV/CFO

16.7 x

Financial Leverage

1.6 x
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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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