Market Price

9.06 

0.00 0.0%

as of Jan 23 '19

52 Week Range:

7.45 15.10


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

EZCORP, Inc. provides pawn loans. The company operates through three segments: U.S. Pawn, Mexico Pawn, and Other International. It offers pawn loans, which are non-recourse loans collateralized by tangible personal property, such as jewelry, consumer electronics, power tools, sporting goods, and musical instruments; and sells merchandise, including collateral forfeited from pawn lending operations and used merchandise purchased from customers. The company also offers payday loan services through its financial services stores. As of June 11, 2018, it operated a network of 921 pawn stores under the EZPAWN or Value Pawn & Jewelry, Empeño Fácil, GuatePrenda, and MaxiEfectivo names in the United States and Latin America. The company also operates a network of 27 financial services stores under the CASHMAX name in Canada. EZCORP, Inc. was founded in 1989 and is headquartered in Austin, Texas.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Sep '08 Sep '09 Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17 Sep '18
Equity (BVPS) 6.58
8.54
10.55
13.23
15.34
17.32
18.25
16.17
10.54
11.50
13.56
growth rate 29.8% 23.5% 25.4% 16.0% 12.9% 5.4% -11.4% -34.8% 9.1% 17.9%
Earnings BIT 78.07
105.31
151.53
188.71
221.60
91.31
20.52
15.14
33.00
55.16
69.62
growth rate 34.9% 43.9% 24.5% 17.4% -58.8% -77.5% -26.2% 118.0% 67.2% 26.2%
Avg.PE 15.53
9.59
10.21
11.76
8.16
15.92
34.97
34.97
34.97
27.53
11.69
growth rate -38.3% 6.5% 15.2% -30.6% 95.1% 119.7% 0.0% 0.0% -21.3% -57.5%
ROA 18.73
17.09
17.71
17.93
14.56
2.66
-3.33
-6.61
-7.36
3.17
3.44
growth rate -8.8% 3.6% 1.2% -18.8% -81.7% -100.0% 0.0% 0.0% 100.0% 8.5%
ROE 21.44
19.88
20.81
20.64
19.17
3.90
-5.11
-11.06
-12.58
5.07
5.54
growth rate -7.3% 4.7% -0.8% -7.1% -79.7% -100.0% 0.0% 0.0% 100.0% 9.3%
ROIC 21.44
18.25
19.71
20.27
16.21
4.00
-2.45
-5.00
-7.57
4.76
4.03
growth rate -14.9% 8.0% 2.8% -20.0% -75.3% -100.0% 0.0% 0.0% 100.0% -15.3%
Cur. Ratio 6.00
5.71
4.35
5.54
4.46
3.78
5.41
2.67
5.08
8.00
2.91
growth rate -4.8% -23.8% 27.4% -19.5% -15.3% 43.1% -50.7% 90.3% 57.5% -63.6%
Quick Ratio 4.02
3.72
2.74
3.38
2.88
2.40
3.13
1.65
3.44
5.71
2.22
growth rate -7.5% -26.3% 23.4% -14.8% -16.7% 30.4% -47.3% 108.5% 66.0% -61.1%
Leverage 1.13
1.18
1.17
1.14
1.46
1.47
1.60
1.76
1.65
1.55
1.67
growth rate 4.4% -0.9% -2.6% 28.1% 0.7% 8.8% 10.0% -6.3% -6.1% 7.7%
Balance Sheet Sep '08 Sep '09 Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17 Sep '18
Acct.Receivable 0.00
0.00
29.10
51.36
85.31
64.71
308.35
245.55
260.89
252.90
291.91
growth rate 76.5% 66.1% -24.2% 376.5% -20.4% 6.3% -3.1% 15.4%
Acct.Payable 58.09
64.10
80.86
30.29
36.13
21.95
13.06
10.50
growth rate 10.4% 26.1% -62.5% 19.3% -39.3% -40.5% -19.6%
Cur.Assets 191.90
277.40
302.20
356.24
481.40
520.03
634.86
511.30
482.14
580.96
757.15
growth rate 44.6% 8.9% 17.9% 35.1% 8.0% 22.1% -19.5% -5.7% 20.5% 30.3%
Total Assets 308.70
492.50
606.40
756.45
1,218.01
1,332.97
1,410.54
1,188.99
983.24
1,024.36
1,246.92
growth rate 59.5% 23.1% 24.7% 61.0% 9.4% 5.8% -15.7% -17.3% 4.2% 21.7%
Cash 27.40
44.80
25.90
23.97
49.62
38.28
55.33
56.24
65.74
164.39
286.02
growth rate 63.5% -42.2% -7.5% 107.0% -22.9% 44.5% 1.7% 16.9% 150.1% 74.0%
Inventory 43.20
64.00
71.50
90.37
109.21
145.20
138.18
124.08
140.22
154.41
167.00
growth rate 48.2% 11.7% 26.4% 20.9% 33.0% -4.8% -10.2% 13.0% 10.1% 8.2%
Cur.Liabilities 32.00
48.60
69.50
64.27
107.84
143.67
148.21
207.67
94.98
72.58
259.81
growth rate 51.9% 43.0% -7.5% 67.8% 33.2% 3.2% 40.1% -54.3% -23.6% 258.0%
Liabilities 35.70
76.80
87.00
92.20
329.50
389.79
555.44
528.92
389.04
364.44
502.21
growth rate 115.1% 13.3% 6.0% 257.4% 18.3% 42.5% -4.8% -26.5% -6.3% 37.8%
LT Debt 0.00
25.00
15.00
17.50
199.83
216.33
392.05
197.98
283.61
284.81
226.70
growth rate -40.0% 16.7% 1,041.9% 8.3% 81.2% -49.5% 43.3% 0.4% -20.4%
Equity 273.10
415.70
519.40
664.25
834.83
895.88
832.30
656.03
594.98
662.38
748.04
growth rate 52.2% 25.0% 27.9% 25.7% 7.3% -7.1% -21.2% -9.3% 11.3% 12.9%
Common Shares 43.00
48.00
50.00
50.00
51.00
54.00
54.00
54.00
54.00
54.00
58.00
growth rate 11.6% 4.2% 0.0% 2.0% 5.9% 0.0% 0.0% 0.0% 0.0% 7.4%
Cash Flow Statement Sep '08 Sep '09 Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17 Sep '18
Capital Expenditures 18.20
18.20
25.70
34.12
45.80
46.70
22.96
23.72
13.25
25.00
40.47
growth rate 0.0% 41.2% 32.8% 34.2% 2.0% -50.8% 3.3% -44.1% 88.7% 61.9%
Cash Dividends 0.00 0.00 0.00 0.00 0.00
growth rate
Cash From OA 62.30
80.60
124.70
153.27
139.12
120.47
74.70
79.40
68.10
57.98
88.72
growth rate 29.4% 54.7% 22.9% -9.2% -13.4% -38.0% 6.3% -14.2% -14.9% 53.0%
FCF per Share 1.02
1.28
2.00
2.26
2.00
1.78
1.07
1.12
1.43
0.44
0.84
growth rate 25.5% 56.3% 13.0% -11.5% -11.0% -39.9% 4.7% 27.7% -69.2% 90.9%
Sale Purchase of Stock 0.40
0.65
5.26
-16.57
-32.41
-11.75
growth rate 63.5% 710.0% -100.0% 0.0% 0.0%
FCF 44.00
61.00
99.00
114.00
105.00
80.00
66.00
55.00
55.00
33.00
48.00
growth rate 38.6% 62.3% 15.2% -7.9% -23.8% -17.5% -16.7% 0.0% -40.0% 45.5%
Income Statement Sep '08 Sep '09 Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17 Sep '18
Sales 457.40
597.50
733.00
852.80
960.72
809.53
745.77
720.00
730.51
747.95
813.52
growth rate 30.6% 22.7% 16.3% 12.7% -15.7% -7.9% -3.5% 1.5% 2.4% 8.8%
Op.Income 73.70
101.50
141.90
123.72
146.45
22.53
20.52
15.14
33.00
55.16
69.62
growth rate 37.7% 39.8% -12.8% 18.4% -84.6% -8.9% -26.2% 118.0% 67.2% 26.2%
IBT 78.10
105.30
151.50
190.19
214.12
31.62
7.89
-66.21
0.36
43.24
57.08
growth rate 34.8% 43.9% 25.5% 12.6% -85.2% -75.1% -100.0% 100.0% 11,811.6% 32.0%
Net Income 52.40
68.50
97.30
123.72
146.45
22.53
-67.72
-89.19
-80.74
31.86
39.06
growth rate 30.7% 42.0% 27.2% 18.4% -84.6% -100.0% 0.0% 0.0% 100.0% 22.6%
EPS 1.21
1.42
1.96
2.43
2.67
0.41
-1.25
-1.64
-1.49
0.59
0.68
growth rate 17.4% 38.0% 24.0% 9.9% -84.6% -100.0% 0.0% 0.0% 100.0% 15.3%
Gross Profit 280.90
359.90
447.50
526.30
595.92
480.43
421.86
403.02
428.23
435.51
482.91
growth rate 28.1% 24.3% 17.6% 13.2% -19.4% -12.2% -4.5% 6.3% 1.7% 10.9%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 13.65
20.18
19.14
12.65
17.56
growth rate 47.9% -5.1% -33.9% 38.8%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 250.11
247.74
240.73
279.51
291.91
growth rate -1.0% -2.8% 16.1% 4.4%
Acct.Payable 13.06
58.29
10.54
12.38
10.50
growth rate 346.2% -81.9% 17.4% -15.2%
Cur.Assets 580.96
551.15
575.77
733.97
757.15
growth rate -5.1% 4.5% 27.5% 3.2%
Total Assets 1,024.36
1,042.56
1,074.55
1,240.11
1,246.92
growth rate 1.8% 3.1% 15.4% 0.6%
Cash 164.39
113.58
159.91
285.03
286.02
growth rate -30.9% 40.8% 78.2% 0.4%
Inventory 154.41
163.31
158.64
151.15
167.00
growth rate 5.8% -2.9% -4.7% 10.5%
Cur.Liabilities 72.58
70.89
176.20
269.55
259.81
growth rate -2.3% 148.5% 53.0% -3.6%
Liabilities 364.44
374.50
386.42
503.56
502.21
growth rate 2.8% 3.2% 30.3% -0.3%
LT Debt 284.81
294.76
198.34
222.90
226.70
growth rate 3.5% -32.7% 12.4% 1.7%
Equity 662.38
671.17
691.46
740.25
748.04
growth rate 1.3% 3.0% 7.1% 1.1%
Common Shares 0.54
0.55
0.55
0.55
0.55
growth rate 0.2% 0.0% 0.0% 0.2%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 9.51
7.92
11.33
14.67
6.56
growth rate -16.8% 43.2% 29.4% -55.3%
Cash Dividends
growth rate
Cash From OA 21.86
17.37
28.17
23.51
19.67
growth rate -20.6% 62.2% -16.6% -16.3%
Sale Purchase of Stock 0.77
growth rate
FCF 12.35
9.45
16.84
8.84
13.12
growth rate -23.5% 78.2% -47.5% 48.3%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 182.07
204.51
202.73
199.94
206.33
growth rate 12.3% -0.9% -1.4% 3.2%
Op.Income 13.65
20.18
19.14
12.65
17.56
growth rate 47.9% -5.1% -33.9% 38.8%
IBT 7.61
19.79
17.86
15.74
3.69
growth rate 160.0% -9.8% -11.9% -76.6%
Net Income 11.41
12.75
11.81
14.63
-0.14
growth rate 11.7% -7.3% 23.9% -100.0%
EPS
growth rate
Gross Profit 108.09
122.43
120.59
115.07
124.82
growth rate 13.3% -1.5% -4.6% 8.5%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (20.40)

YOY Growth Grade:

E (26.46)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 11.69 10.07 11.95
EPS / Growth -26.5% 0.90 5.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 4.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 3.5% 3.5%
Future PE 2.00 10.22 10.22
Future EPS 0.99 1.27 1.27
Value Price
MOS %
0.49
-94.6%
3.21
-64.6%
3.21
-64.6%
MOS Price 0.25 1.61 1.61
IRT 9.55 8.51 8.51

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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