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EZCORP

EZPW
66
Financial - Credit Services · Financial Services
Exchange
NASDAQ
Winston Score
66
Winston is curious
A decent business — some strong pillars, some weaker.

EZCORP, Inc. provides pawn loans in the United States and Latin America. It offers pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. The company also sells merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. In addition, it offers Lana and EZ+ web-based engagement platforms to manage pawn loans. As of September 30, 2021, the company owned

Winston Score History

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+45.9% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+73.9% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

5.2%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$354M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

EZCORP grew revenue 46% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Quality

Gross Margin
56.0%
Premium pricing power — 56.0% gross margin
Operating Margin
15.2%
Healthy — 15.2% operating margin
ROCE
4.8%
Weak — 4.8% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY
+12.7%
Fast-growing sales (12.7% YoY)
EPS YoY
+1854.5%
Earnings growing fast (1854.5% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency
8/8 quarters
Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion
134%
Turns 134% of profit into real cash
FCF Margin
9.1%
Modest free cash flow (9.1%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity
0.25
Conservative — low debt load (0.25)
Interest Cover
6.20x
Adequate interest coverage (6.2x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

P/E Ratio (TTM)
13.2x
no trend
Attractive valuation — P/E 13.2

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward
-1.6
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Not applicable for this business.
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