ScoreWhy is EZCORP, Inc. ?
1
Strong ability to service debt as the company has a low Debt to EBITDA ratio of 0.85 times
2
Low Debt Company with Strong Long Term Fundamental Strength
3
With a growth in Operating Profit of 43.94%, the company declared Very Positive results in Dec 25
- The company has declared positive results for the last 6 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 165.67 MM
- ROCE(HY) Highest at 12.97%
- DEBT-EQUITY RATIO (HY) Lowest at 27.61 %
4
With ROE of 11.54%, it has a fair valuation with a 1.49 Price to Book Value
- Over the past year, while the stock has generated a return of 82.37%, its profits have risen by 43.5% ; the PEG ratio of the company is 0.5
5
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to EZCORP, Inc. should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is EZCORP, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
EZCORP, Inc.
85.81%
4.48
32.99%
S&P 500
16.12%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.41%
EBIT Growth (5y)
82.15%
EBIT to Interest (avg)
5.89
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
28.39%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
7.94%
ROE (avg)
6.03%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.49
EV to EBIT
10.15
EV to EBITDA
8.48
EV to Capital Employed
1.44
EV to Sales
1.27
PEG Ratio
0.47
Dividend Yield
NA
ROCE (Latest)
14.21%
ROE (Latest)
11.54%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 165.67 MM
ROCE(HY)
Highest at 12.97%
DEBT-EQUITY RATIO
(HY)
Lowest at 27.61 %
RAW MATERIAL COST(Y)
Fallen by -1.42% (YoY
CASH AND EQV(HY)
Highest at USD 941.31 MM
NET SALES(Q)
Highest at USD 382.02 MM
OPERATING PROFIT(Q)
Highest at USD 69.45 MM
OPERATING PROFIT MARGIN(Q)
Highest at 18.18 %
PRE-TAX PROFIT(Q)
Highest at USD 59.17 MM
NET PROFIT(Q)
Highest at USD 44.3 MM
EPS(Q)
Highest at USD 0.55
-9What is not working for the Company
INTEREST(HY)
At USD 16.31 MM has Grown at 156.79%
INVENTORY TURNOVER RATIO(HY)
Lowest at 2.59 times
Here's what is working for EZCORP, Inc.
Operating Cash Flow
Highest at USD 165.67 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Debt-Equity Ratio
Lowest at 27.61 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Net Sales
Highest at USD 382.02 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 69.45 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 18.18 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 59.17 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 44.3 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.55
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 941.31 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Raw Material Cost
Fallen by -1.42% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
Highest at USD 8.76 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for EZCORP, Inc.
Interest
At USD 16.31 MM has Grown at 156.79%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Inventory Turnover Ratio
Lowest at 2.59 times
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling inventory has slowed
Inventory Turnover Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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