Ezcorp Intrinsic Value Calculator – EZCORP Reports Third Quarter Fiscal Year 2023 Earnings Results on August 2, 2023
August 22, 2023
🌥️Earnings Overview
EZCORP ($NASDAQ:EZPW) reported total revenue of USD 255.8 million for their third quarter of fiscal year 2023, ending June 30 2023, on August 2 2023. This represented a year-over-year increase of 18.5%. Net income for the quarter was also up, coming in at USD 18.2 million – a 49.1% increase compared to the same period in the previous year.
Price History
On August 2, 2023, EZCORP released their third quarter fiscal year 2023 earnings results. Stock opened Wednesday at $9.0 and closed at $8.8, representing a 2.3% decrease from prior closing price of $9.0. The results showed a marked improvement in EZCORP’s operating income, which was up 18.5% year-over-year. Despite the positive earnings results, investors appeared to remain cautious, pushing the stock down 2.3%.
However, the financials still indicated increased investor confidence in the company’s long-term growth prospects. Overall, EZCORP reported strong financial results for the third quarter fiscal year 2023 and investors seemed to remain optimistic despite the slight dip in share price. Live Quote…
About the Company
Income Snapshot
Below shows the total revenue, net income and net margin for Ezcorp. More…
| Total Revenues | Net Income | Net Margin |
| 1.01k | 35.55 | 3.5% |
Cash Flow Snapshot
Below shows the cash from operations, investing and financing for Ezcorp. More…
| Operations | Investing | Financing |
| 92.35 | -102.24 | 24.93 |
Balance Sheet Snapshot
Below shows the total assets, liabilities and book value per share for Ezcorp. More…
| Total Assets | Total Liabilities | Book Value Per Share |
| 1.46k | 718.64 | 13.34 |
Key Ratios Snapshot
Some of the financial key ratios for Ezcorp are shown below. More…
| 3Y Rev Growth | 3Y Operating Profit Growth | Operating Margin |
| 5.2% | 38.2% | 6.6% |
| FCF Margin | ROE | ROA |
| 5.0% | 5.8% | 2.9% |
Analysis – Ezcorp Intrinsic Value Calculator
As GoodWhale, we have conducted an analysis of EZCORP‘s fundamentals and concluded that the fair value of its stock is around $8.7. This figure was determined using our proprietary Valuation Line, which takes into account a range of factors such as the company’s operating performance, revenue growth, profitability, financial position and competitive advantages. Currently, the market price of EZCORP is $8.8, which is very close to our calculated fair value. This suggests that EZCORP stock is currently trading at a fair price based on fundamental analysis. Therefore, GoodWhale would recommend EZCORP as an investment for potential investors. More…
Peers
The company’s primary competitors are PRA Group Inc, Enova International Inc, Flexpower Inc.
– PRA Group Inc ($NASDAQ:PRAA)
PRA Group is a global provider of debt recovery and customer management services. The company’s services include accounts receivable management, customer relationship management, and business process outsourcing. PRA Group’s clients include banks, credit unions, and other financial institutions.
PRA Group’s market cap is 1.22B as of 2022. The company’s return on equity is 15.33%. PRA Group’s main competitors include Alliance Data Systems, Experian, and TransUnion.
– Enova International Inc ($NYSE:ENVA)
Enova International Inc. is a provider of online financial services. The company offers credit products and services to consumers and businesses in the United States, the United Kingdom, Australia, and Canada. It operates through four segments: Installment Loans and Lines of Credit, Digital Banking, and International. The company was founded in 1998 and is headquartered in Chicago, Illinois.
Summary
EZCORP reported strong earnings results for the third quarter of fiscal year 2023, with total revenue of USD 255.8 million, representing an 18.5% year-over-year increase. Net income for the quarter was USD 18.2 million, a 49.1% increase compared to the previous year. This is good news for investors as it suggests that EZCORP is continuing to perform well despite the economic challenges presented by the pandemic. Going forward, investors should consider EZCORP’s long-term strategies and financial health to determine if it is a sound investment choice.
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