XNASEZPW
Market cap660mUSD
Jan 14, Last price
12.13USD
1D
-0.33%
1Q
4.12%
Jan 2017
13.90%
Name
EZCORP Inc
Chart & Performance
Profile
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.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY | FY |
---|---|---|---|---|---|---|---|---|---|---|
2024‑09 | 2023‑09 | 2022‑09 | 2021‑09 | 2020‑09 | 2019‑09 | 2018‑09 | 2017‑09 | 2016‑09 | 2015‑09 | |
Income | ||||||||||
Revenues | 1,161,602 10.73% | 1,049,041 18.37% | 886,225 21.48% | |||||||
Cost of revenue | 554,886 | 506,732 | 422,420 | |||||||
Unusual Expense (Income) | ||||||||||
NOPBT | 606,716 | 542,309 | 463,805 | |||||||
NOPBT Margin | 52.23% | 51.70% | 52.33% | |||||||
Operating Taxes | 32,513 | 13,170 | 17,553 | |||||||
Tax Rate | 5.36% | 2.43% | 3.78% | |||||||
NOPAT | 574,203 | 529,139 | 446,252 | |||||||
Net income | 83,095 116.04% | 38,463 -23.32% | 50,160 482.44% | |||||||
Dividends | (3,366) | |||||||||
Dividend yield | 0.53% | |||||||||
Proceeds from repurchase of equity | (12,008) | (16,988) | (2,040) | |||||||
BB yield | 1.27% | 2.55% | 0.32% | |||||||
Debt | ||||||||||
Debt current | 162,070 | 91,977 | 52,334 | |||||||
Long-term debt | 644,486 | 771,118 | 726,749 | |||||||
Deferred revenue | (2,661) | |||||||||
Other long-term liabilities | 12,337 | 6,561 | 8,749 | |||||||
Net debt | 622,714 | 595,293 | 511,102 | |||||||
Cash flow | ||||||||||
Cash from operating activities | 113,600 | 101,834 | 66,535 | |||||||
CAPEX | (40,446) | (31,895) | ||||||||
Cash from investing activities | (111,853) | (110,886) | (113,283) | |||||||
Cash from financing activities | (50,183) | 23,692 | (2,832) | |||||||
FCF | 530,368 | 426,812 | 347,943 | |||||||
Balance | ||||||||||
Cash | 170,513 | 220,595 | 206,028 | |||||||
Long term investments | 13,329 | 47,207 | 61,953 | |||||||
Excess cash | 125,762 | 215,350 | 223,670 | |||||||
Stockholders' equity | 456,205 | 399,587 | 346,901 | |||||||
Invested Capital | 1,258,088 | 1,149,705 | 1,013,361 | |||||||
ROIC | 47.70% | 48.92% | 46.78% | |||||||
ROCE | 43.78% | 39.65% | 37.48% | |||||||
EV | ||||||||||
Common stock shares outstanding | 84,448 | 80,865 | 82,400 | |||||||
Price | 11.21 35.88% | 8.25 7.00% | 7.71 1.85% | |||||||
Market cap | 946,662 41.90% | 667,136 5.01% | 635,304 50.00% | |||||||
EV | 1,569,376 | 1,262,429 | 1,146,406 | |||||||
EBITDA | 639,785 | 631,377 | 548,146 | |||||||
EV/EBITDA | 2.45 | 2.00 | 2.09 | |||||||
Interest | 13,585 | 16,456 | 9,972 | |||||||
Interest/NOPBT | 2.24% | 3.03% | 2.15% |