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
The company has declared Positive results for the last 6 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 144.68 MM
- ROCE(HY) Highest at 10.95%
- DEBT-EQUITY RATIO (HY) Lowest at 28.46 %
4
With ROE of 10.57%, it has a attractive valuation with a 0.86 Price to Book Value
- Over the past year, while the stock has generated a return of 46.43%, its profits have risen by 10.1% ; the PEG ratio of the company is 0.8
5
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Market Beating performance in long term as well as near term
- Along with generating 46.43% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- 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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
EZCORP, Inc.
59.19%
2.66
30.05%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.20%
EBIT Growth (5y)
40.73%
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
8
Industry P/E
Price to Book Value
0.86
EV to EBIT
7.13
EV to EBITDA
5.66
EV to Capital Employed
0.88
EV to Sales
0.74
PEG Ratio
0.77
Dividend Yield
NA
ROCE (Latest)
12.33%
ROE (Latest)
10.57%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 144.68 MM
ROCE(HY)
Highest at 10.95%
DEBT-EQUITY RATIO
(HY)
Lowest at 28.46 %
RAW MATERIAL COST(Y)
Fallen by -0.23% (YoY
CASH AND EQV(HY)
Highest at USD 996.44 MM
PRE-TAX PROFIT(Q)
At USD 34.71 MM has Grown at 50.93%
-13What is not working for the Company
DEBTORS TURNOVER RATIO(HY)
Lowest at 3.44 times
INTEREST COVERAGE RATIO(Q)
Lowest at 505.27
INVENTORY TURNOVER RATIO(HY)
Lowest at 2.73 times
INTEREST(Q)
Highest at USD 8.46 MM
Here's what is working for EZCORP, Inc.
Operating Cash Flow
Highest at USD 144.68 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 28.46 % 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
Pre-Tax Profit
At USD 34.71 MM has Grown at 50.93%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Cash and Eqv
Highest at USD 996.44 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Raw Material Cost
Fallen by -0.23% (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
Here's what is not working for EZCORP, Inc.
Interest
At USD 8.46 MM has Grown at 157.79%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Interest Coverage Ratio
Lowest at 505.27
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
Debtors Turnover Ratio
Lowest at 3.44 times and Fallen
In each half year in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling Debtors has slowed
Debtors Turnover Ratio
Interest
Highest at USD 8.46 MM
in the last five periods and Increased by 157.79% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Inventory Turnover Ratio
Lowest at 2.73 times
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling inventory has slowed
Inventory Turnover Ratio
Non Operating Income
Highest at USD 0.24 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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