Last $10.48 USD
Change Today -0.21 / -1.96%
Volume 1.2M
EZPW On Other Exchanges
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Berlin
NASDAQ GS
As of 8:10 PM 09/19/14 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

1901 Capital Parkway

Austin, TX 78746

United States

Phone: 512-314-3400

Fax: 512-314-3404

EZCORP, Inc. provides specialty consumer financial services. The company provides various instant cash solutions, including collateralized, non-recourse loans, commonly known as pawn loans, and various short-term consumer loans, including single-payment and multiple-payment unsecured loans, and single-payment and multiple-payment auto title loans, or fee-based credit services to customers seeking loans. The company delivers instant cash solutions to its customers through various channels, products, services, and markets. It offers these products through its four primary channels, such as in-store, online, worksite, and mobile platforms. The company owns a 60% interest in Prestaciones Finmart, S.A.P.I. de C.V., SOFOM, E.N.R. (Grupo Finmart), a major payroll withholding lender headquartered in Mexico City; and a 51% interest in Renueva Commercial S.A.P.I. de C.V. (TUYO), a company headquartered in Mexico City that owns and operates buy/sell stores in Mexico City and the surrounding metropolitan area. As of September 30, 2013, the company operated a total of 1,342 locations, including 495 U.S. pawn stores (operating primarily as EZPAWN or Value Pawn & Jewelry); 7 U.S. buy/sell stores (operating as Cash Converters); 239 pawn stores in Mexico (operating as Empeño Fácil); 489 U.S. financial services stores (operating primarily as EZMONEY); 15 buy/sell and financial services stores in Canada (operating as Cash Converters); 24 financial services stores in Canada (operating as CASHMAX); 19 buy/sell stores in Mexico (operating as TUYO); and 54 financial services branches in Mexico (operating as Crediamigo or Adex). In addition, the company offers consumer loans online in the U.S. and the U.K. operating primarily as EZMONEY.com and CashGenie.com, respectively. The company owns approximately 30% of Albemarle & Bond Holdings, PLC, the United Kingdom's major pawnbroking business with approximately 230 stores, and approximately 33% of Cash Converters International Limited, which is based in Australia, and franchises and operates a worldwide network of approximately 700 locations that provide financial services and buy and sell second-hand goods. It also owns the Cash Converters master franchise rights in Canada and is the franchisor of eight stores there. At the company’s pawn stores, it offers pawn loans, which are non-recourse loans collateralized by tangible personal property, and sells merchandise to customers. The merchandise that the company sells consists of second-hand collateral forfeited from its pawn lending activities or purchased from customers and new or refurbished merchandise from third party vendors. In its Cash Converters stores, the company also buys and sells second-hand goods. At its financial services stores and at some of its pawn and buy/sell stores, the company offers various consumer loan products, including single-payment, unsecured loans with maturity dates ranging from 7 to 30 days; multiple-payment unsecured loans that might be repaid through extended periods of approximately 7 months; single-payment 30-day loans secured by automobile titles; multiple-payment auto title loans that carry terms of 2 to 5 months; and revolving lines of credit, both unsecured and secured by automobile titles. In Texas, the company’s financial services stores and pawn stores offer credit services to help customers obtain loans from independent third-party lenders. Segments The company’s business consists of three segments: U.S. & Canada, which includes all business activities in the United States and Canada; Latin America, which includes its Empeño Fácil pawn operations and Grupo Finmart financial services operations in Mexico; and Other International, which includes the Cash Genie online business in the U.K. and the company’s equity interests in the net income of Albemarle & Bond Holdings, PLC and Cash Converters International Limited. Pawn and Retail Activities The total U.S. loan term ranges between 60 and 120 days, including the primary term and grace period. In Mexico, pawn service charges range from 14% to 21% per month, including applicable taxes, with the majority of loans earning 21%. The tota

 

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EZPW

Industry Average

Valuation EZPW Industry Range
Price/Earnings 40.2x
Price/Sales 0.6x
Price/Book 0.6x
Price/Cash Flow 10.3x
TEV/Sales 0.1x
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