$487.4 M

EZPW Mkt cap, 16-Jan-2019

$482.9 M

EZCORP Revenue FY, 2018
EZCORP Gross profit (FY, 2018)206.3 M
EZCORP Gross profit margin (FY, 2018), %42.7%
EZCORP Net income (FY, 2018)38.1 M
EZCORP EBIT (FY, 2018)68.7 M
EZCORP Cash, 30-Sep-2018286 M
EZCORP EV428.1 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, 2017FY, 2018

Revenue

640.7m615.1m444.9m428.2m435.5m482.9m

Revenue growth, %

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

Cost of goods sold

276.6m

Gross profit

206.3m

Gross profit Margin, %

43%

Operating expense total

501.7m518.5m453.9m399.1m381.9m414.2m

Depreciation and amortization

33.6m35.3m33.5m26.5m23.7m25.5m

EBIT

139.0m96.6m(8.9m)29.2m53.6m68.7m

EBIT margin, %

22%16%(2%)7%12%14%

Interest expense

15.2m22.8m42.2m16.5m27.8m27.8m

Interest income

1.6m81.0k12.1m17.0m

Pre tax profit

91.3m72.7m(90.8m)363.0k43.2m57.1m

Income tax expense

29.6m20.8m(26.7m)9.4m11.2m18.1m

Net Income

38.4m(41.5m)(91.5m)(88.4m)30.2m38.1m

EZCORP Balance Sheet

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018

Cash

36.3m56.3m59.1m65.7m164.4m286.0m

Accounts Receivable

Inventories

145.2m139.4m124.1m140.2m154.4m167.0m

Current Assets

537.1m676.4m555.9m482.1m581.0m757.1m

PP&E

116.3m105.9m75.6m58.5m58.0m73.6m

Goodwill

428.5m346.6m327.5m254.0m254.8m297.4m

Total Assets

1.3b1.4b1.2b983.2m1.0b1.2b

Accounts Payable

80.0m97.2m107.9m50.6m

Short-term debt

30.4m10.7m74.3m

Current Liabilities

141.9m125.0m208.1m95.0m72.6m259.8m

Long-term debt

284.8m226.7m

Total Debt

30.4m36.1m74.3m284.8m226.7m

Total Liabilities

375.4m492.8m520.6m389.0m364.4m502.2m

Common Stock

513.0k506.0k507.0k511.0k514.0k516.0k

Additional Paid-in Capital

320.8m339.7m307.1m318.7m348.5m397.9m

Retained Earnings

599.9m547.2m423.1m319.8m351.7m392.2m

Total Equity

594.2m659.9m744.7m

Debt to Assets Ratio

0 x

Financial Leverage

1.7 x1.6 x1.7 x

Quarterly

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

Cash

38.5m32.2m50.0m77.6m138.2m114.4m22.8m75.3m29.4m63.7m120.1m113.7m159.9m285.0m

Inventories

142.7m129.0m132.0m132.7m116.1m115.3m133.0m126.4m130.4m143.4m137.0m135.1m158.6m151.1m

Current Assets

556.5m537.1m646.2m630.7m632.7m608.3m472.5m456.1m532.0m473.2m488.4m501.6m575.8m734.0m

PP&E

114.5m111.4m109.5m104.4m102.3m101.1m70.0m65.0m61.2m54.9m53.6m53.0m64.8m71.6m

Goodwill

434.8m435.0m436.8m337.5m344.9m331.8m326.2m254.8m254.3m253.6m254.2m254.5m289.4m292.5m

Total Assets

1.4b1.4b1.5b1.4b1.4b1.3b1.1b1.0b988.0m964.5m962.0m970.3m1.1b1.2b

Accounts Payable

77.6m70.8m90.2m81.4m89.7m84.0m87.2m85.8m

Short-term debt

16.7m14.2m21.0m74.8m71.5m69.1m75.6m82.2m

Current Liabilities

111.8m106.7m128.7m167.6m178.0m168.8m179.4m188.6m205.9m78.4m73.3m75.9m176.2m269.5m

Long-term debt

253.0k106.0k211.4m278.9m266.7m260.4m198.3m222.9m

Total Debt

17.0m14.3m21.0m74.8m71.5m69.1m75.6m82.2m211.4m278.9m266.7m260.4m198.3m222.9m

Total Liabilities

370.3m339.7m507.8m563.2m542.1m517.3m466.9m444.2m420.7m365.6m348.5m346.0m386.4m503.6m

Common Stock

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

Additional Paid-in Capital

321.6m327.4m347.2m329.4m330.0m327.0m309.6m312.6m313.6m319.8m321.5m322.6m353.7m395.4m

Retained Earnings

622.4m630.4m641.9m521.2m522.5m512.7m415.7m341.5m320.5m327.0m335.0m340.3m377.7m392.3m

Total Equity

591.5m569.8m598.9m613.5m624.3m688.1m736.6m

Debt to Equity Ratio

0.3 x

Debt to Assets Ratio

0 x0.2 x

Financial Leverage

1.7 x1.7 x1.6 x1.6 x1.6 x1.6 x1.7 x

EZCORP Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018

Net Income

38.4m(41.5m)(91.5m)(88.4m)30.2m38.1m

Depreciation and Amortization

34.9m38.6m37.0m28.7m23.7m25.5m

Accounts Receivable

Inventories

433.0k(3.7m)721.0k(1.1m)

Accounts Payable

16.8m12.1m

Cash From Operating Activities

126.5m89.2m79.4m64.4m51.8m88.7m

Purchases of PP&E

(46.7m)(23.0m)(24.3m)(9.5m)(18.9m)(40.5m)

Cash From Investing Activities

(160.4m)(34.8m)(67.7m)6.7m(7.3m)(134.2m)

Cash From Financing Activities

22.2m(33.9m)2.4m(63.2m)53.4m167.6m

Interest Paid

12.6m16.4m16.5m18.7m9.1m8.4m

Income Taxes Paid

47.1m30.2m(8.0m)3.0m8.9m13.7m

EZCORP Ratios

USDY, 2018

EV/EBIT

6.2 x

EV/CFO

4.8 x

Revenue/Employee

66.2k

Financial Leverage

1.7 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 Employee Rating

2.3182 votes
Culture & Values
2.0
Work/Life Balance
2.2
Senior Management
1.9
Salary & Benefits
2.6
Career Opportunities
2.1
Source