EZPW EZCorp Dashboard

EZCORP, Inc. provides pawn loans in the United States and Latin America. It operates its business through following segments: U.S. Pawn, Latin America Pawn, and Other International. The U.S. Pawn includes its EZPAWN, Value Pawn & Jewelry and other branded pawn operations in United States. The Latin America Pawn Includes Empeno Facil & other branded pawn operations in Mexico and GuatePrenda & MaxiEfectivo pawn operations in Guatemala, El Salvador, Honduras and Peru. The Other International segment includes Cashmax financial services operations in Canada. The company was founded in 1989 and is headquartered in Rollingwood, TX.

Company profile

Ticker

EZPW

Exchange

NASDAQ

Website

www.ezcorp.com/

CEO

Stuart Grimshaw

Incorporated

Delaware

Location

Texas

Fiscal year end

Sep 30

Sector

Finance and Insurance > Consumer Lending

Industry (SIC)

Retail - Miscellaneous Retail

Party City Holdco • Ferrellgas Finance • Ferrellgas Partners Finance • Suburban Propane Partners • Acreage • FirstCash • Therealreal • ZAGG • Acorn International • Winmark ...

SEC CIK

0000876523

Corporate docs

Articles of Incorporation & Bylaws

IRS number

742540145

EZPW stock data

S&P 500

1M 1Y 2Y 5Y

News

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EZCORP: Q1 Earnings Insights

3 Feb 21

Shares of EZCORP (NASDAQ:EZPW) fell in after-market trading after the company reported Q1 results. Quarterly Results Earnings per share were down 18.75% over the past year to $0.13, which beat the estimate of ($0.04).

EZCORP Q1 EPS $0.13 Beats $(0.04) Estimate, Sales $178.10M Miss $194.63M Estimate

3 Feb 21

EZCORP (NASDAQ:EZPW) reported quarterly earnings of $0.13 per share which beat the analyst consensus estimate of $(0.04) by 425 percent. This is a 18.75 percent decrease over earnings of $0.16 per share from the same

Earnings Scheduled For February 3, 2021

3 Feb 21

Companies Reporting Before The Bell • Bank Bradesco (NYSE:BBD) is likely to report quarterly earnings at $0.11 per share on revenue of $4.81 billion.

Press releases

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EZCORP Reduces Size of Board of Directors as Terms Expire

18 Feb 21

EZCORP, Inc. (NASDAQ:EZPW) today announced that, in line with current cost reduction initiatives, it is reducing the size of its Board of Directors, with five directors leaving the Board at the end of their current

EZCORP Reports First Quarter Fiscal 2021 Results

3 Feb 21

EZCORP, Inc. (NASDAQ:EZPW) today announced results for its first quarter ended December 31, 2020. All amounts in this release are in conformity with U.S. generally accepted accounting principles ("GAAP") unless

EZCORP, Inc. to Release First Quarter Fiscal 2021 Results After Market Close on Wednesday, February 3, 2021

2 Feb 21

EZCORP, Inc. (NASDAQ:EZPW) will issue first quarter fiscal 2021 financial results (period ended December 31, 2020) on Wednesday, February 3, 2021 after the market close. The Company will host a webcast and conference

Investment data

Data from SEC filings

Securities sold

Number of investors

Calendar

3 Feb 21

13 Apr 21

30 Sep 21

Financial summary

Financial statements Chart EZPW financial data

Quarter (USD)	Dec 20	Sep 20	Jun 20	Mar 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Annual (USD)	Sep 20	Sep 19	Sep 18	Sep 17
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Financial data from EZCorp earnings reports.

Cash burn rate (estimated)	Burn method: Change in cash		Burn method: Operating income/loss		Burn method: FCF (opex + capex)
	Last Q	Avg 4Q	Last Q	Avg 4Q	Last Q	Avg 4Q
Cash on hand (at last report)	298.46M	298.46M	298.46M	298.46M	298.46M	298.46M
Cash burn (monthly)	4.7M	(positive/no burn)	(positive/no burn)	5.34M	1.5M	(positive/no burn)
Cash used (since last report)	16.18M	n/a	n/a	18.4M	5.18M	n/a
Cash remaining	282.28M	n/a	n/a	280.07M	293.28M	n/a
Runway (months of cash)	60.1	n/a	n/a	52.4	195.0	n/a

Beta Read what these cash burn values mean

Recent insider trades

EZPW insider ownership history Insider history

Date	Owner	Security	Transaction	Code	Indirect	10b5-1	$Price	#Shares	$Value	#Remaining
1 Apr 21	Kulas Jason A.	Class A Non-Voting Common Stock	Buy	Aquire P	No	Yes	5.05	1,000	5.05K	113,017
2 Mar 21	Kulas Jason A.	Class A Non-Voting Common Stock	Buy	Aquire P	No	Yes	4.87	1	4.87	134,120
1 Mar 21	Kulas Jason A.	Class A Non-Voting Common Stock	Buy	Aquire P	No	Yes	4.9164	999	4.91K	134,119
1 Mar 21	Kulas Jason A.	Class A Non-Voting Common Stock	Payment of exercise	Dispose F	No	No	4.94	22,103	109.19K	112,017
22 Feb 21	Sunil Sajnani	RSU Class A Non-Voting Common Stock	Grant	Aquire A	No	No	5.03	55,666	280K	74,915
22 Feb 21	Timothy Jugmans	RSU Class A Non-Voting Common Stock	Grant	Aquire A	No	No	5.03	58,846	296K	87,242

Data from 3, 4 and 5 filings. Stock values as filed, not updated for current price.

Institutional ownership Q4 2020

EZPW institutional ownership history Ownership history

Data for the last complete 13F reporting period. To see the most recent changes to ownership, click the ownership history button above.

88.0% owned by funds/institutions

13F holders	Current	Prev Q	Change
Total holders	136	141	-3.5%
Opened positions	21	15	+40.0%
Closed positions	26	20	+30.0%
Increased positions	43	38	+13.2%
Reduced positions	49	54	-9.3%

13F shares	Current	Prev Q	Change
Total value	299.39M	678.57M	-55.9%
Total shares	46.29M	47.68M	-2.9%
Total puts	41.7K	27.4K	+52.2%
Total calls	101.7K	24.5K	+315.1%
Total put/call ratio	0.4	1.1	-63.3%

Largest owners	Shares	Value	Change
BLK Blackrock	7.93M	$37.98M	-0.0%
Dimensional Fund Advisors	4.28M	$20.48M	-0.8%
Vanguard	3.31M	$15.83M	-6.4%
Lafitte Capital Management	2.96M	$14.16M	-34.0%
Renaissance Technologies	2.8M	$13.4M	+3.1%
First Wilshire Securities Management	2.69M	$12.88M	-6.6%
AMP Ameriprise Financial	2.55M	$12.23M	+27.4%
Archon Capital Management	2.09M	$9.99M	+24.7%
Stephens Investment Management	1.58M	$7.56M	-36.6%
STT State Street	1.52M	$7.29M	-7.6%

Largest transactions	Shares	Bought/sold	Change
Lafitte Capital Management	2.96M	-1.52M	-34.0%
Stephens Investment Management	1.58M	-912.47K	-36.6%
AMP Ameriprise Financial	2.55M	+548.68K	+27.4%
Archon Capital Management	2.09M	+413.48K	+24.7%
Heartland Advisors	700K	+400K	+133.3%
D. E. Shaw & Co.	457.97K	+380.87K	+494.0%
IVZ Invesco	985.26K	+345.58K	+54.0%
Voss Capital	0	-261.7K	EXIT
Vanguard	3.31M	-227.54K	-6.4%
FHI Federated Hermes	92.11K	-200.17K	-68.5%

Data from 13F filings. Stock values as filed, not updated for current price. Long positions only.

Financial report summary

Management Discussion

ITEM 2. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
EZCORP is a Delaware corporation headquartered in Austin, Texas. We are a leading provider of pawn loans in the United States and Latin America. Pawn loans are non-recourse loans collateralized by personal property. We also sell merchandise, primarily collateral forfeited from unpaid loans or goods purchased directly from customers.
We exist to serve our customers’ short-term cash needs, helping them to live and enjoy their lives. We are focused on three strategic pillars:

Content analysis

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From filing 10-Q 2021 Q1