| Market Capitalization (Millions $) |
1,117 |
| Shares
Outstanding (Millions) |
83 |
| Employees |
2,500 |
| Revenues (TTM) (Millions $) |
1,144 |
| Net Income (TTM) (Millions $) |
90 |
| Cash Flow (TTM) (Millions $) |
277 |
| Capital Exp. (TTM) (Millions $) |
36 |
Ezcorp Inc
EZCORP Inc. is a publicly traded financial services company that specializes in providing short-term consumer loans and pawn lending services. It was founded in 1989 and is headquartered in Austin, Texas.
The company operates through three main business segments: Pawn, Financial Services, and Mexico. Pawn segment provides pawn loans, which are collateralized by the borrower's personal property. Financial Services segment offers payday and installment loans, auto title loans, and related products and services. While the Mexico segment offers pawn and consumer loan services through the company's stores in Mexico.
The company operates under various brands, including EZPAWN, EZMONEY, and Value Pawn & Jewelry. EZPAWN is the company's largest brand, which operates in over 400 pawn stores across the US, Mexico, and Canada. The brand offers pawn lending services, as well as retail sales of jewelry, electronics, and other consumer goods.
The financial services segment operates primarily under the EZMONEY brand, which provides payday and installment loans, auto title loans, and other short-term consumer loans. The segment operates in over 300 locations across the US and is regulated by state laws.
Mexico segment operates under the brand, Empeno Facil, which operates in over 120 stores across Mexico. The segment offers pawn lending services and is regulated by Mexican laws.
EZCORP Inc. has a diversified revenue stream, with the Pawn segment accounting for the majority of its revenue. The company has experienced growth through acquisitions, with its acquisition of Pawn Plus in 2017 and more recently, GuatePrenda in 2020, which has expanded its market share in the US and Latin America.
The company has had a challenging operating environment, with increased regulatory scrutiny and competition from online lenders. Additionally, the COVID-19 pandemic has impacted the company's operations, resulting in reduced store traffic and demand for its services.
EZCORP Inc has a strong focus on responsible lending and compliance with state and federal regulations. It has implemented measures to protect its customers from predatory lending practices, including limiting the size and term of its loans, and providing borrowers with clear and transparent disclosures of loan terms and fees.
In conclusion, EZCORP Inc is a leading provider of short-term consumer loans and pawn lending services, with a diversified revenue stream and a strong focus on responsible lending and compliance. The company's ability to adapt to changing market conditions and maintain compliance with regulations will be key to its future success.
Company Address: 2500 Bee Cave Road Rollingwood 78746 TX
Company Phone Number: 314-3400 Stock Exchange / Ticker: NASDAQ EZPW
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