m.czosnek EZCorp (NASDAQ:EZPW) is a publicly-traded company that owns over 1,200 pawn shops in the US and Latin America. With inflationary pressure and an accumulated inventory of COVID-stimulus purchased items, pawn shop businesses are busy. EZPW has experienced steady growth, has plenty of cash, a strong balance sheet and, importantly, they are keeping inventory under control. A simplified discounted free cash flow model indicated EZPW’s stock price is fairly undervalued and, if the risks are acceptab ...

Stocks under $20 usually provide a very good balance of upside potential and safety. I believe it is worth looking into many stocks in this range, as many have been battered and are about to make a turnaround. That’s compared to many similar stocks in lower price ranges which may be up-and-coming startups that are just beginning to get big.I believe once interest rate cuts start and the economy enters a new cycle in the coming quarters, investors could start taking a deeper look into the market. The best st ...

The proven Zacks Rank system focuses on earnings estimates and estimate revisions to find winning stocks. Nevertheless, we know that our readers all have their own perspectives, so we are always looking at the latest trends in value, growth, and momentum to find strong picks. Looking at the history of these trends, perhaps none is more beloved than value investing. This strategy simply looks to identify companies that are being undervalued by the broader market. Value investors use fundamental analysis and ...

Small-caps have seen modest buying pressure over the last couple of weeks, undoubtedly a welcomed development among market participants after an extended period of sideways action. Large-cap technology has dominated headlines, but with the expectations of a rate cut from the Fed coming this year, small-caps look prime to enjoy positivity. Of course, investors should be aware of small-caps’ volatile nature, a critical aspect to keep in mind. Analysts have become bullish on several small-caps, a list that inc ...

While the proven Zacks Rank places an emphasis on earnings estimates and estimate revisions to find strong stocks, we also know that investors tend to develop their own individual strategies. With this in mind, we are always looking at value, growth, and momentum trends to discover great companies. Of these, value investing is easily one of the most popular ways to find great stocks in any market environment. Value investors rely on traditional forms of analysis on key valuation metrics to find stocks that ...

For Immediate Release Chicago, IL – May 22, 2024 – Today, Zacks Equity Research discusses Mr. Cooper Group Inc. (COOP) , World Acceptance Corp. (WRLD) and EZCORP, Inc. (EZPW) . Industry: Consumer Loans Link: https://www.zacks.com/commentary/2276450/3-consumer-loan-stocks-to-buy-from-a-prospering-industry The Zacks Consumer Loans industry continues to witness deteriorating asset quality. The industry players are also bearing the brunt of persistent inflation, higher interest rates and expectations of economi ...

The Zacks Consumer Loans industry continues to witness deteriorating asset quality. The industry players are also bearing the brunt of persistent inflation, higher interest rates and expectations of economic slowdown. Yet, as consumers understand that high interest rates are here to stay for a long time, demand for consumer loans is likely to improve gradually. Easing lending standards, stabilizing consumer sentiments and the digitization of operations will keep aiding consumer loan providers. Hence, indust ...

Investors seek growth stocks to capitalize on above-average growth in financials that help these securities grab the market's attention and produce exceptional returns. But finding a growth stock that can live up to its true potential can be a tough task. By their very nature, these stocks carry above-average risk and volatility. Moreover, if a company's growth story is over or nearing its end, betting on it could lead to significant loss. However, the task of finding cutting-edge growth stocks is made easy ...

Investors might want to bet on Ezcorp (EZPW) , as it has been recently upgraded to a Zacks Rank #2 (Buy). This upgrade is essentially a reflection of an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices. A company's changing earnings picture is at the core of the Zacks rating. The system tracks the Zacks Consensus Estimate -- the consensus measure of EPS estimates from the sell-side analysts covering the stock -- for the current and following years. Individual inve ...

财务数据和关键指标变化 - 总收入280百万美元,同比增长8% [8] - 当期最高的第二季度总收入 [8] - 当当期最高的第二季度当铺贷款余额(PLO)232百万美元,同比增长13% [8][11] - 现金余额229百万美元,为公司提供了充足的流动性 [13] - 综合EBITDA为36.2百万美元,同比增长7% [21] 各条业务线数据和关键指标变化 - 美国当铺业务总收入207.6百万美元,同比增长10%,为历史第二季度最高 [23] - 美国当铺业务PLO增长11%,带动了9%的库存增长 [24] - 美国当铺业务EBITDA为43.2百万美元,同比增长7% [26] - 拉丁美洲当铺业务总收入72.6百万美元,为历史第二季度最高 [27] - 拉丁美洲当铺业务PLO增长19%,带动了2%的库存增长 [27] - 拉丁美洲当铺业务EBITDA为9.4百万美元,同比增长23% [28] 各个市场数据和关键指标变化 - 美国当铺业务PLO中珠宝占比上升100个基点,平均贷款金额增长9% [25] - 美国当铺业务库存中一般商品占比上升300个基点 [25] - 拉丁美洲当铺业务PLO中珠宝占比上升600个基点,平均贷款金额增长9% [27] 公司战略和发展方向及行业竞争 - 公司继续加强核心当铺业务,投资于人员和技术 [15] - 在拉丁美洲通过聚焦基本面和最佳实践提升PLO增长 [15] - 现有会员数达460万,其中130万在第二季度有交易 [16] - 在美国和墨西哥拓展在线支付,并在美国试点线上下单店内取货 [17] - 在奢侈品当铺业务中,电商渠道有助于带动销售 [17] - 公司致力于通过多项举措提升员工体验,包括职业发展周、人才工具等 [16][19] - 公司在可持续发展方面取得进展,包括二手商品销售、社区参与等 [18] 管理层对经营环境和未来前景的评论 - 宏观经济环境仍然充满挑战,客户对短期现金需求增加,推动当铺业务增长 [9] - 客户也更青睐二手商品,这对环境也更加友好 [10] - 公司有信心通过提升PLO、优化库存管理、改善系统和流程,以及提供优质客户服务来推动未来业绩增长 [29][30] 问答环节重要的提问和回答 问题1 **John Hecht 提问** 询问公司在美国和拉丁美洲的门店扩张情况,以及未来的发展计划 [36][37] **Lachlan Given 回答** - 在美国主要是小规模但持续的收购,而在拉丁美洲仍有较大的连锁收购机会 [37] - 公司在扩张时保持谨慎,注重价格 [37] 问题2 **Brian McNamara 提问** 询问美国和拉丁美洲业务的毛利率变化原因 [38][39] **Tim Jugmans 回答** - 部分原因是产品结构变化,同时拉丁美洲定价也有所改善 [39] - 拉丁美洲业务执行力提升,尤其是在墨西哥,也带动了毛利率提升 [39] 问题3 **Brian McNamara 提问** 询问公司新老客户的变化情况 [40][41] **Lachlan Given 回答** - 客户需求增长来自于当铺贷款和二手商品销售两个业务,保持一致 [41] - 奢侈品当铺业务也有不错的增长 [41]