EZCORP, Inc. (EZPW)
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.
Recs
mukwonago53149
(78.08)
Submitted: 11/9/2009 10:17:59 PM :
Start Price:
$14.77
EZPW Score:
-0.45
http://www.fool.com/investing/general/2009/11/09/pawn-lenders-looking-more-like-kings.aspx
Recs
crashsurvivor09
(< 20)
Submitted: 11/3/2009 5:41:57 PM :
Start Price:
$13.17
EZPW Score:
+8.05
With double digit unemployment and the pressure of the holiday season on desperate people this may be one of the best short term plays around if you are able to get in at under $13.50. The only thing that hurts this stock is an improvement in employment and I think that is at least a year off.
Recs
tombo615
(55.71)
Submitted: 10/20/2009 11:21:05 AM :
Start Price:
$14.12
EZPW Score:
+4.18
Ezcorp proves to be a promising company for several reasons. Their financial statements show signs of consistent, long-term growth and profitability. Over the past five years they have substantially grown, increased their retained earnings, and paid off debt.
Their strong ratios make ezcorp a solid choice in the uncertain world of small caps, and their relatively low-beta (compared to other widely held small caps) help to decrease the volatility that most small caps suffer from.
Recs
wooderino
(89.98)
Submitted: 9/22/2009 1:36:08 PM :
Start Price:
$13.22
EZPW Score:
+9.14
strong 5 year ROE& profit margin improvement and still at reasonable PE ratios
Recs
59special
(< 20)
Submitted: 8/8/2009 8:26:48 AM :
Start Price:
$12.35
EZPW Score:
+10.05
1/23 in Consumer Finance -(74.4 @ A+/A+)
Recs
genakvaktun
(< 20)
Submitted: 8/5/2009 3:16:33 PM :
Start Price:
$12.50
EZPW Score:
+8.71
Fundamental analysis
Recs
kozonoquantity
(99.50)
Submitted: 8/3/2009 8:57:59 PM :
Start Price:
$12.63
EZPW Score:
+6.57
mechanical value screen, no research
Recs
toolboy2
(98.02)
Submitted: 8/3/2009 8:34:10 PM :
Start Price:
$12.63
EZPW Score:
+6.57
They lend so you can spend. From the Lone Star state, this premium blend has growth rates that blow away the competition and price ratios that cannot be resisted. Don't pawn it, buy it!
wallstreetbean.com
Recs
kevinottofro
(98.74)
Submitted: 7/19/2009 12:48:32 PM :
Start Price:
$10.54
EZPW Score:
+23.53
Low relative PE, good star ranking, PEG & 09 PE still below normal - bottom fishing 7/20 picks.
Recs
wallstreetweapon
(< 20)
Submitted: 7/14/2009 11:15:22 AM :
Start Price:
$10.20
EZPW Score:
+22.48
Excellent financials, consistent growth record and good business.
Recs
QwertyHero
(45.67)
Submitted: 6/18/2009 2:40:05 PM :
Start Price:
$10.42
EZPW Score:
+21.56
Whish the ticker was EZPZ. That would be funny.
Recs
jbs4radio
(< 20)
Submitted: 6/16/2009 2:48:43 AM :
Start Price:
$10.81
EZPW Score:
+17.56
PEG = 0.48
Recs
LatePlay
(87.68)
Submitted: 4/24/2009 3:40:06 PM :
Start Price:
$12.43
EZPW Score:
-8.46
Very Cheap, Good Fundies, 50% Upside
Recs
Trimalerus
(99.67)
Submitted: 4/1/2009 6:44:15 PM :
Start Price:
$11.90
EZPW Score:
-9.26
I don't normally like cash advance stocks, as I feel that they are predatory of low-income households, but in these tight economic times often people need an emergency loan to fix their car or pay an overdue utility bill. Also this stock is near it's 52 week low and has good scores among members that have picked it to outperform in the $11-12 range. Good stock to hedge against the recession.
Recs
sfchollon
(< 20)
Submitted: 3/22/2009 4:15:47 PM :
Start Price:
$11.26
EZPW Score:
-9.70
Has a DAR rating of 0.1 which is unheard of in this rough economic times. BUY, BUY, BUY!
Recs
wimbol
(90.79)
Submitted: 3/18/2009 5:59:07 AM :
Start Price:
$10.84
EZPW Score:
-7.33
In times of crisis people go to pawn shops.
Recs
TheBarnacle
(79.09)
Submitted: 3/18/2009 5:06:23 AM :
Start Price:
$10.84
EZPW Score:
-7.33
Great fundamentals with intrinsic value of $10.85.
Recs
tenmiles
(99.99)
Submitted: 1/21/2009 10:31:48 AM :
Start Price:
$12.85
EZPW Score:
-22.12
Legal loan sharking not a bad overall business in a recession. Down today in sympathy with weak Cash America forecast - likely attractive longer-term opportunity here around $12.75. Historical mid-teen ROE player whose pawn shop side of the business has recorded 25 consecutive quarters of YOY earnings growth. Forward p/e looks decent; debt is manageable with 2/3 of its credit line ($120 million) available. Some potential exposure if new administration clamps down on "usury" providers, but view this as unlikely to cripple this business long term - likely to continue to find accretive growth opportunties during industry consolidation.
Recs
brentvoss
(97.93)
Submitted: 1/13/2009 10:09:59 PM :
Start Price:
$13.56
EZPW Score:
-21.54
Pawn Shop?
Recs
TheGarcipian
(99.24)
Submitted: 1/7/2009 5:23:14 PM :
Start Price:
$14.00
EZPW Score:
-18.37
Pointed out to me by TastyLunch, I think this company has room to grow in 2009, both from a macro-economic viewpoint and from a company-financials viewpoint. First the former, then the latter. Face it, this economy is in the toilet and people will be hard pressed to come up with needed cash. You can't sell most of your equity investments without incurring massive losses (unless you've invested in gold, baby!), and you really shouldn't be touching your 401k for any loans, no matter how "temporary" they may be. Unemployment is expected to climb to double-digits, possibly as high as 20% (jeez!), but the rent has got to be paid. More and more people will be selling their "un-necessities" via EBay and local pawn shops. This is where EZCorp will make quite a boon this coming year. From their Yahoo! Finance profile page: "The company makes pawn loans, which are non recourse loans collateralized by tangible personal property, including jewelry, consumer electronics, tools, sporting goods, and musical instruments... As of September 30, 2008, [the company] offered pawn loans to 294 pawn stores in the United States and 38 Mexico pawn stores, as well as signature loans from 71 pawn stores and 477 EZMONEY stores." With the amount of foreclosures expected to rise throughout 2009, that means even more inventory for pawn shops, and thus more business.
Regarding the company's financial picture, it has a low forward P/E of 8.2, a trailing P/E of 11.7, a PEG of 0.56, Profit and Operating Margins of 11.5% & 16.5% respectively, RoA=16.8%, RoE=21.4%, impressive quarterly Revenue and Earnings growth rates of 18.8% and 43.7% resp., a book value equal to about half the stock price (excellent!), ZERO debt (more excellent!), very low Short interest, and a low Beta (volatility) score.
I think this business will prosper during the recession/depression, and certainly warrants a much closer look as a real-world pick.
DISCLOSURE: At this time, I have no position in EZPW.
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