Stock EZPW EZCORP, INC.
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Financials EZCORP, Inc.

Equities

EZPW

US3023011063

Consumer Lending

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
11.36 USD +2.62% Intraday chart for EZCORP, Inc. +1.43% +29.98%
Apr. 16 Canaccord Genuity Raises EZCORP's Price Target to $18 From $17, Keeps Buy Rating MT
Mar. 21 Transcript : EZCORP, Inc. - Shareholder/Analyst Call

Valuation

Fiscal Period: September 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 357.9 277 424.3 436.8 454.3 626.5 - -
Enterprise Value (EV) 1 357.9 277 424.3 436.8 454.3 626.5 626.5 626.5
P/E ratio 129 x -4.06 x 50.5 x 11 x 15.6 x 10.9 x 10.2 x 8.61 x
Yield - - - - - - - -
Capitalization / Revenue 0.42 x 0.34 x 0.58 x 0.49 x 0.43 x 0.54 x 0.51 x 0.48 x
EV / Revenue 0.42 x 0.34 x 0.58 x 0.49 x 0.43 x 0.54 x 0.51 x 0.48 x
EV / EBITDA 4.23 x - 6.29 x - 3.51 x 4 x 3.73 x -
EV / FCF 5.53 x 13.5 x -11.1 x 12.6 x 7.4 x 6.96 x 6.08 x 6.02 x
FCF Yield 18.1% 7.42% -9% 7.93% 13.5% 14.4% 16.4% 16.6%
Price to Book 0.48 x 0.43 x - - - - - -
Nbr of stocks (in thousands) 55,445 55,068 56,057 56,656 55,072 55,154 - -
Reference price 2 6.455 5.030 7.570 7.710 8.250 11.36 11.36 11.36
Announcement Date 12/5/19 12/14/20 11/17/21 11/16/22 11/15/23 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: September 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 847.2 822.8 729.6 886.2 1,049 1,156 1,233 1,296
EBITDA 1 84.67 - 67.5 - 129.3 156.5 168.1 -
EBIT 1 47.01 -48.38 31.17 74.92 92.15 103.5 107.2 -
Operating Margin 5.55% -5.88% 4.27% 8.45% 8.78% 8.95% 8.69% -
Earnings before Tax (EBT) 1 4.174 -70.1 16.06 67.71 51.6 113.9 121.9 154.6
Net income 1 2.541 -68.46 8.612 50.16 38.5 90.08 95.18 123.1
Net margin 0.3% -8.32% 1.18% 5.66% 3.67% 7.79% 7.72% 9.5%
EPS 2 0.0500 -1.240 0.1500 0.7000 0.5300 1.045 1.110 1.320
Free Cash Flow 1 64.68 20.55 -38.17 34.64 61.39 90 103 104
FCF margin 7.63% 2.5% -5.23% 3.91% 5.85% 7.79% 8.35% 8.02%
FCF Conversion (EBITDA) 76.39% - - - 47.48% 57.51% 61.27% -
FCF Conversion (Net income) 2,545.38% - - 69.06% 159.45% 99.91% 108.22% 84.48%
Dividend per Share - - - - - - - -
Announcement Date 12/5/19 12/14/20 11/17/21 11/16/22 11/15/23 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: September 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 192.4 221 216 215.8 233.4 264.3 258.4 255.8 270.5 300 282.2 280.6 293 320 301.7
EBITDA 1 18.1 - - - - 38.1 33.3 27 31.2 47.1 35.77 - - - -
EBIT 1 7.808 22.22 24.2 13.62 14.88 28.25 26.73 20.61 16.56 37.08 22.98 19.57 23.86 35.66 23.88
Operating Margin 4.06% 10.05% 11.21% 6.31% 6.38% 10.69% 10.34% 8.06% 6.12% 12.36% 8.14% 6.98% 8.14% 11.14% 7.92%
Earnings before Tax (EBT) 1 4.527 21.35 20.12 13.08 13.16 24.54 -7.34 21.31 13.1 37.7 26.4 22.49 27.28 36.43 25.04
Net income 1 1.553 15.72 14.89 12.22 7.337 16.78 -6.79 18.22 10.3 28.47 20.87 17.98 21.39 27.32 18.78
Net margin 0.81% 7.11% 6.89% 5.66% 3.14% 6.35% -2.63% 7.12% 3.81% 9.49% 7.4% 6.41% 7.3% 8.54% 6.22%
EPS 2 0.0300 0.2100 0.2000 0.1700 0.1100 0.2500 -0.1200 0.2400 0.1500 0.3600 0.2450 0.2100 0.2450 0.3550 0.2500
Dividend per Share - - - - - - - - - - - - - - -
Announcement Date 11/17/21 2/2/22 5/4/22 8/3/22 11/16/22 2/1/23 5/3/23 8/2/23 11/15/23 1/31/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: September 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow 1 64.7 20.6 -38.2 34.6 61.4 90 103 104
ROE (net income / shareholders' equity) 6.77% - 1.3% 7.35% - - - -
ROA (Net income/ Total Assets) 4.33% -6% - - - - - -
Assets 1 58.64 1,140 - - - - - -
Book Value Per Share 13.40 11.70 - - - - - -
Cash Flow per Share - - - - - - - -
Capex 1 38.8 28.5 23.6 31.9 40.4 43.7 48.6 54.1
Capex / Sales 4.58% 3.47% 3.24% 3.6% 3.86% 3.78% 3.94% 4.17%
Announcement Date 12/5/19 12/14/20 11/17/21 11/16/22 11/15/23 - - -
1USD in Million
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Ratings for EZCORP, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
2
Last Close Price
11.36 USD
Average target price
16 USD
Spread / Average Target
+40.85%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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  4. Financials EZCORP, Inc.