$17.48

-0.27 (-1.52%)

7/18/2008 4:00 PM

EZCORP, Inc. (EZPW)

CAPS Rating:

The Company is primarily a lender or provider of credit services to individuals who do not have cash resources or access to credit to meet their short-term cash needs.

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What the Community Thinks

Total Players

273 Outperforms

17 Underperforms

All-Stars

93 Outperforms

5 Underperforms

Wall Street

2 Outperforms

1 Underperforms

Players bullish on EZPW are also bullish on:

Players bearish on EZPW are also bearish on:

Ticker Tags

Credit Services (49), Small Cap (1922), Micro Cap (4824), Specialty Retail, Other (47)
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EZCORP, Inc. At A Glance

Current Price:	$17.48
Last Trade Time:	7/18/2008 4:00 PM
Open:	$17.69
Previous Close:	$17.75
Daily Range:	$17.29 - $17.94
52-Week Range:	$10.00 - $17.80
Volume:	774,246
Market Cap:	$682.10M
P/E Ratio:	16.90
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Stock Trends

EZPW VS S&P 500 (SPY)

News & Discussion Boards

Other News Headlines for EZPW

Tight credit drives consumers toward pawn shops
7/9/2008 3:45:00 PM - AP
Ezcorp sees 3Q earnings better than expected
7/9/2008 7:42:00 AM - AP
Ezcorp senior vice president sells shares
6/25/2008 4:30:00 PM - AP
Ezcorp to pay $600,000 to settle suit
6/23/2008 5:24:00 PM - AP

More Headlines...

Top Bull Pitch

Recs

1 EZCORP, Inc. (EZPW)

Avatar MiamiStuDog (95.24) Submitted: 7/12/08 7:54 PM

What a week!

This has been an extremely volatile week, and in my Real World portfolio I am closing positions on SPN, NE, and AMX. Happily with a gain in the first two, but I admit to a loss in AMX (second time I’ve owned it, and made the first time, so I’m consoling myself with that). Now what ...More

Replies: 1 | Reply | Permalink

What a week!

This has been an extremely volatile week, and in my Real World portfolio I am closing positions on SPN, NE, and AMX. Happily with a gain in the first two, but I admit to a loss in AMX (second time I’ve owned it, and made the first time, so I’m consoling myself with that). Now what to do with the funds this frees up, especially in this uncertain climate?

There are very few stocks which I am finding that match my criteria as of this writing, a reflection of the bear’s grip we find ourselves in. One of the few is EZCorp, (EZPW).

I’ve owned EZPW before, and it is a roller-coaster ride, but one that I believe will do well for the remainder of 2008.

2006 was a monster year for it. I actually screened it in Feb 2006 and have kicked myself that I didn’t buy it them. I foolishly (small “f”) let my emotions do the thinking and turned away from them because of their industry. But the numbers don’t lie, and we need to let logic, not emotion do the thinking when investing.

About those numbers, EZPW currently trades at a PE of 16.25, but has a forward EPS growth forecast of 19% over the next five years, and 29% over the next two, and has beaten estimates the last four quarters by an average of 3%. Profitability indicators range from a Profit Margin of 10.4% to ROE of 19.8%.

I run four separate valuation models when I select I stock, and use the lower of the four. The range of values I calculate are a low of $21.75 to a high of $24.96. The stock currently trades at $16.41, suggesting that it is at least 33% undervalued.

A look at the ten-year history shows a growing, profitable, but small and volatile. If you are considering buying the stock, please research carefully. I consider myself “quant” rather than a “story” investor, but I have to say that given the current economic climate EZPW should do well. That does not mean that I am bullish nor bearish on pawnshops in general.

I will be putting real-world money on it as it looks like the best opportunity out there at this time.

Happy investing.

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Recs 0 (EZPW) manucastle (72.57) Submitted: 7/17/08 10:18 AM : Start Price: $16.73 EZPW Score: 3.96 I have purchased EZPW today :- http://finance.yahoo.com/q?s=EZPW Industry: Retail(Spec Non-Apparel) EPS = 1.00 PE = 16.4 Industry 15.2 PB = 2.77 Industry 1.44 PS = 1.62 Industry 0.3 P/CF = 13.0 industry 12.0 P/FCF = 16.5 Industry 16.1 Yield 0.0 Industry 0.0 Gross profit margin = 69.3 Industry 33.6 Operating margin = 15.6 Industry 2.3 Net Profit Margin = 10.5 Industry 1.0 ROA = 17.0 Industry 2.1 ROE = 19.5 Industry 11.2 Insider ownership = 22.9 Greenblatt ROC = 52.78 Greenblatt Earnings Yield = 10.12 PosFCF generic % free cash flow yield 6.05%* Passes 14 of 17 of Mikes metrics MaxPrice = 34.67 Discount 53% Metrics from qtr ending 03/31/2008 Zacks rank 2 http://www.zacks.com/research/report.php?t=ezpw&type=main Caps rank 4 http://caps.fool.com/Ticker/EZPW.aspx MC score 230 All good enough for my money. I only suggest stocks that I own ! (See posts 388/584/665/760/1051/1807/2213/3546/3755/4046/4208/4225/4345/4573/4818/5241/5242/5310 5169 on 'Investment Analysis Clubs / Dynamic Value Investing ' board for extra due diligence applied ). MaxPrice is a generic version of Mike Klein's Maxprice and ROC and Earnings yields are generic versions of Greenblatt's metrics. * PosFCF generic % free cash flow yield taken from AAII and posts 5248 and 5253 See 'Investment Analysis Clubs / Dynamic Value Investing' board and my CAPS profile for further excellent companies selling at a discount to Maxprice with excellent current metrics. CAPS only shows my selections over 100Mill (unfortunately due to restricted lower market cap applied by MF CAPS). As stated on the 'Investment Analysis Clubs /Dynamic Value Investing' board my aim is to obtain up to 50% returns p.a. as Buffett stated he could obtain (3 times) recently. A very difficult task but you can follow along with my buys and sells on my CAPS page, where I put my money where my mouth is . If I perform well I hope you can benefit. If not , feel free to ignore my comments. CAPS allows each and everyone of us to be clinically judged on our stock picking abilities over the LONG TERM. Please always do your own due diligence before investing. Manucastle :o) Report this Post Replies: 0 \| Reply \| Permalink Oops! There appears to be a problem with your comment. Check to see if there's something you left out. Recs 1 (EZPW) MiamiStuDog (95.24) Submitted: 7/12/08 7:54 PM : Start Price: $12.95 EZPW Score: 36.45 What a week! This has been an extremely volatile week, and in my Real World portfolio I am closing positions on SPN, NE, and AMX. Happily with a gain in the first two, but I admit to a loss in AMX (second time I’ve owned it, and made the first time, so I’m consoling myself with that). Now what to do with the funds this frees up, especially in this uncertain climate? There are very few stocks which I am finding that match my criteria as of this writing, a reflection of the bear’s grip we find ourselves in. One of the few is EZCorp, (EZPW). I’ve owned EZPW before, and it is a roller-coaster ride, but one that I believe will do well for the remainder of 2008. 2006 was a monster year for it. I actually screened it in Feb 2006 and have kicked myself that I didn’t buy it them. I foolishly (small “f”) let my emotions do the thinking and turned away from them because of their industry. But the numbers don’t lie, and we need to let logic, not emotion do the thinking when investing. About those numbers, EZPW currently trades at a PE of 16.25, but has a forward EPS growth forecast of 19% over the next five years, and 29% over the next two, and has beaten estimates the last four quarters by an average of 3%. Profitability indicators range from a Profit Margin of 10.4% to ROE of 19.8%. I run four separate valuation models when I select I stock, and use the lower of the four. The range of values I calculate are a low of $21.75 to a high of $24.96. The stock currently trades at $16.41, suggesting that it is at least 33% undervalued. A look at the ten-year history shows a growing, profitable, but small and volatile. If you are considering buying the stock, please research carefully. I consider myself “quant” rather than a “story” investor, but I have to say that given the current economic climate EZPW should do well. That does not mean that I am bullish nor bearish on pawnshops in general. I will be putting real-world money on it as it looks like the best opportunity out there at this time. Happy investing. Report this Post Replies: 1 \| Reply \| Permalink Oops! There appears to be a problem with your comment. Check to see if there's something you left out. Recs 0 (EZPW) colonelnelson (< 20) Submitted: 7/09/08 11:55 PM : Start Price: $15.45 EZPW Score: 11.84 Strong earnings, healthy return, decent profit margin, and today announced that 2008 will be much better than anticipated on strength of higher than expected gross profit and fewer bad loans than anticipated. It feels a bit exploitive to pick a pawnshop in the midst of a big economic downturn... but such is life. Outperform. Report this Post Replies: 0 \| Reply \| Permalink Oops! There appears to be a problem with your comment. Check to see if there's something you left out. Recs 0 (EZPW) SierraBlue (67.63) Submitted: 7/09/08 2:32 PM : Start Price: $15.52 EZPW Score: 12.75 Telechart Scan 7/9/8 1. Price increase of 12.5% last 20 days 2. Volume greater than 200,000 3. Share Price greater than $15.00 4. Capitalization greater than $480 Report this Post Replies: 0 \| Reply \| Permalink Oops! There appears to be a problem with your comment. Check to see if there's something you left out. Recs 0 (EZPW) mugwumper12 (94.37) Submitted: 5/27/08 11:09 PM : Start Price: $12.68 EZPW Score: 43.07 Not a glorious segment...and a tinge of "financial" keeps it down. But it's got a Forward P/E under 9, and a 20% ROE. No debt. This one looks like a clear winner. The only potential downside is government regulation. But EZPW operates primarily in Texas and the SW where regulation is not on the horizon, and it is expanding its business in Mexico. Report this Post Replies: 0 \| Reply \| Permalink Oops! There appears to be a problem with your comment. Check to see if there's something you left out.
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	TrackRothCapital	45.45	04/25/07		NS	$15.52	+12.63%	-15.25%	+27.88
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