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Last $7.25 USD
Change Today -0.065 / -0.89%
Volume 355.6K
As of 8:10 PM 07/2/15 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 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 across products, services and markets. With approximately 7,300 team members and approximately 1,400 locations, the company offers its customers multiple ways to access instant cash, including pawn loans and consumer loans in the United States, Mexico and Canada. At its pawn and buy/sell stores, the company also sells merchandise, primarily collateral forfeited from pawn lending operations and used merchandise purchased from customers. In its Texas locations, the company offers credit services to help customers obtain loans from independent third-party lenders. The company owns a 76% interest in Prestaciones Finmart, S.A.P.I. de C.V., SOFOM, E.N.R. (Grupo Finmart, doing business under the names Crediamigo and Adex), a consumer loan provider headquartered in Mexico City; and a 59% 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, 2014, the company operated a total of 1,358 locations, consisting of 497 U.S. pawn stores (operating primarily as EZPAWN or Value Pawn & Jewelry); 7 U.S. buy/sell stores (operating as Cash Converters); 242 Mexico pawn stores (operating as Empeño Fácil); 19 Mexico buy/sell stores (operating as TUYO or Cash Converters); 501 U.S. financial services stores (operating primarily as EZMONEY); 24 financial services stores in Canada (operating as CASHMAX); 15 buy/sell and financial services stores in Canada (operating as Cash Converters); and 53 Grupo Finmart locations in Mexico (operating as Crediamigo or Adex). The company owns approximately 32% of Cash Converters International Limited (Cash Converters International), which is based in Australia and franchises and operates a worldwide network of approximately 750 locations that provide financial services and buy and sell second-hand goods. The company also owns the Cash Converters master franchise rights in Canada and are the franchisor of five stores there. At its pawn stores, the company offers pawn loans, which are non-recourse loans collateralized by tangible personal property, and sells merchandise to customers looking for good value. The merchandise 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. 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 typically ranging from 7 to 23 days; multiple-payment unsecured loans that may be repaid over extended periods of up to 7 months; single-payment 30-day loans secured by automobile titles; multiple-payment auto title loans that carry terms of 2 to 4 months; and revolving lines of credit, both unsecured and secured by auto titles. In Texas, its financial services stores and its pawn stores that also offer financial services do not offer loan products themselves, but rather 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, TUYO buy/sell operations and Grupo Finmart financial services operations in Mexico; and Other International, which includes its equity interest in the net income of Cash Converters International. Pawn Activities At its pawn stores, the company offers secured loans, which are typically small, non-recourse loans collateralize

 

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EZPW:US $7.25 USD -0.065

EZPW Competitors

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Company Last Change
Cardtronics Inc $37.04 USD +0.03
Cash America International Inc $26.17 USD +0.02
First Cash Financial Services Inc $46.17 USD -0.04
Green Dot Corp $18.98 USD -0.30
World Acceptance Corp $61.21 USD -1.36
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Industry Analysis

EZPW

Industry Average

Valuation EZPW Industry Range
Price/Earnings 10.9x
Price/Sales 0.4x
Price/Book 0.4x
Price/Cash Flow NM Not Meaningful
TEV/Sales NM Not Meaningful
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