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Upturn AI SWOT - About
EZPW 
EZCORP Inc (EZPW)
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Upturn Advisory Summary
03/27/2025: EZPW (3-star) is a STRONG-BUY. BUY since 43 days. Profits (21.36%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 14.34% | Avg. Invested days 42 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 806.22M USD | Price to earnings Ratio 12.87 | 1Y Target Price 17.25 |
Price to earnings Ratio 12.87 | 1Y Target Price 17.25 | ||
Volume (30-day avg) 605030 | Beta 0.89 | 52 Weeks Range 9.65 - 15.35 | Updated Date 03/30/2025 |
52 Weeks Range 9.65 - 15.35 | Updated Date 03/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 7.25% | Operating Margin (TTM) 13.1% |
Management Effectiveness
Return on Assets (TTM) 4.97% | Return on Equity (TTM) 10.71% |
Valuation
Trailing PE 12.87 | Forward PE 11.29 | Enterprise Value 1199555734 | Price to Sales(TTM) 0.68 |
Enterprise Value 1199555734 | Price to Sales(TTM) 0.68 | ||
Enterprise Value to Revenue 1.01 | Enterprise Value to EBITDA 7.25 | Shares Outstanding 51968400 | Shares Floating 49311775 |
Shares Outstanding 51968400 | Shares Floating 49311775 | ||
Percent Insiders 4.32 | Percent Institutions 119.52 |
Analyst Ratings
Rating 4.33 | Target Price 15.83 | Buy - | Strong Buy 2 |
Buy - | Strong Buy 2 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
EZCORP Inc
Company Overview
History and Background
EZCORP Inc. was founded in 1989. It began as a single pawn store and has grown to become a provider of pawn loans and other financial services primarily targeting the underbanked. The company has expanded through acquisitions and organic growth, including international expansion.
Core Business Areas
- U.S. Pawn: Offers pawn loans on collateral such as jewelry, electronics, and tools. Also sells merchandise forfeited from pawn loans and purchased from customers. This segment is the largest revenue contributor.
- Mexico Pawn: Operates pawn stores in Mexico offering similar services to the U.S. pawn segment.
- Consumer Loans: Provides unsecured consumer loans, often short-term, to customers in certain markets. It might be offered through third-party partnerships or internally.
- Other Investments: Company may hold investments in other related financial service companies.
Leadership and Structure
The leadership team consists of the CEO (currently Lachlan P. Given) and other key executives overseeing various departments such as finance, operations, and legal. The organizational structure is typical of a public company, with a board of directors providing oversight.
Top Products and Market Share
Key Offerings
- Pawn Loans: Short-term loans secured by personal property. Market share data is fragmented across different regions. Competitors include FirstCash (FCFS), regional and local pawnshops.
- Merchandise Sales: Sales of previously pawned items. Competitors include other pawn shops, online marketplaces like eBay, and local secondhand retailers.
- Consumer Loans: Unsecured short-term loans. Market share varies by region. Competitors include payday lenders like Advance America, online lenders, and other financial service providers.
Market Dynamics
Industry Overview
The pawn and short-term lending industry serves individuals who may have limited access to traditional banking services. It is sensitive to economic conditions and regulatory changes.
Positioning
EZCORP is positioned as a national pawn and consumer loan provider with a focus on underserved markets. Its competitive advantages include its established brand, store network, and experience in the industry.
Total Addressable Market (TAM)
The total addressable market for alternative financial services is estimated to be billions of dollars annually. EZCORP is positioned to capture a portion of this TAM through its various service offerings. Accurate TAM is hard to define because market size varies greatly depending on regulatory enivornments and economic conditions.
Upturn SWOT Analysis
Strengths
- Established brand and store network
- Experience in the pawn and short-term lending industry
- Diversified service offerings
- Focus on underserved markets
Weaknesses
- High interest rates can attract regulatory scrutiny
- Dependence on economic conditions
- Potential for reputational risk
- Relatively high employee turnover
Opportunities
- Expansion into new markets
- Development of new financial products and services
- Technological innovation (e.g., online pawn services)
- Partnerships with other financial institutions
Threats
- Increased regulatory scrutiny
- Competition from other pawn shops and lenders
- Economic downturns impacting customer demand
- Changes in consumer behavior
Competitors and Market Share
Key Competitors
- FirstCash Holdings, Inc. (FCFS)
- Cash America International (merged with FirstCash)
- Regional and local pawnshops
Competitive Landscape
EZCORP's competitive advantages include its brand recognition and store network. Its disadvantages include potential regulatory scrutiny and economic sensitivity. FCFS has a greater market share and store count.
Major Acquisitions
Value Financial Services (VFS)
- Year: 2014
- Acquisition Price (USD millions):
- Strategic Rationale: Expanded EZCORP's presence in the consumer loan sector.
Growth Trajectory and Initiatives
Historical Growth: EZCORP's growth has been driven by acquisitions and organic expansion of its pawn and consumer loan businesses. Growth rates have varied depending on economic conditions and market factors.
Future Projections: Analyst estimates for future growth are dependent on factors such as market conditions, regulatory changes, and the company's strategic initiatives.
Recent Initiatives: To be updated with recent initiatives that EZCORP has undertaken.
Summary
EZCORP operates in a niche market providing pawn and consumer loan services, facing regulatory and economic challenges. Its established brand and store network are strengths, while market competition and economic sensitivity pose threats. Expansion into new markets and technological innovations could drive future growth. Recent earnings have been strong, indicating healthy growth and smart financial decisions for the company.
Similar Companies
- FCFS
- CURO
- NCASH
Sources and Disclaimers
Data Sources:
- Company filings (10K, 10Q)
- Financial news sources
- Industry reports
- Company Website
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About EZCORP Inc
Exchange NASDAQ | Headquaters Austin, TX, United States | ||
IPO Launch date 1991-08-27 | CEO & Director Mr. Lachlan P. Given BBus | ||
Sector Financial Services | Industry Credit Services | Full time employees 8000 | Website https://www.ezcorp.com |
Full time employees 8000 | Website https://www.ezcorp.com | ||
EZCORP, Inc. provides pawn services in the United States and Latin America. The company operates through U.S. Pawn, Latin America Pawn, and Other Investments segments. The company offers pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. It also retails merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. In addition, the company provides EZ+, a web-based application that allow customers to manage their pawn transactions, layaways, and loyalty rewards online. Further, it operates under the EZPAWN, Value Pawn & Jewelry, Empeño Fácil, Cash Apoyo Efectivo, GuatePrenda, and MaxiEfectivo brands. EZCORP, Inc. was incorporated in 1989 and is headquartered in Austin, Texas.
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