Company Quick10K Filing
EZCorp
Price6.74 EPS0
Shares56 P/E148
MCap377 P/FCF4
Net Debt156 EBIT38
TEV533 TEV/EBIT14
TTM 2019-09-30, in MM, except price, ratios
10-Q 2020-03-31 Filed 2020-05-11
10-Q 2019-12-31 Filed 2020-02-03
10-K 2019-09-30 Filed 2019-12-05
10-Q 2019-06-30 Filed 2019-07-31
10-Q 2019-03-31 Filed 2019-05-08
10-Q 2018-12-31 Filed 2019-01-30
10-K 2018-09-30 Filed 2018-11-14
10-Q 2018-06-30 Filed 2018-08-01
10-Q 2018-03-31 Filed 2018-05-02
10-Q 2017-12-31 Filed 2018-01-31
10-K 2017-09-30 Filed 2017-11-15
10-Q 2017-06-30 Filed 2017-07-31
10-Q 2017-03-31 Filed 2017-05-03
10-Q 2016-12-31 Filed 2017-02-02
10-K 2016-09-30 Filed 2016-12-14
10-Q 2016-06-30 Filed 2016-08-09
10-Q 2016-03-31 Filed 2016-05-09
10-Q 2015-12-31 Filed 2016-02-09
10-K 2015-09-30 Filed 2015-12-24
10-Q 2015-03-31 Filed 2015-11-09
10-Q 2014-12-31 Filed 2015-11-09
10-Q 2014-12-31 Filed 2015-02-06
10-K 2014-09-30 Filed 2014-11-26
10-Q 2014-06-30 Filed 2014-08-08
10-Q 2014-03-31 Filed 2014-05-12
10-Q 2013-12-31 Filed 2014-02-07
10-K 2013-09-30 Filed 2013-11-27
10-Q 2013-06-30 Filed 2013-08-09
10-Q 2013-03-31 Filed 2013-05-10
10-Q 2012-12-31 Filed 2013-02-07
10-K 2012-09-30 Filed 2012-11-20
10-Q 2012-06-30 Filed 2012-08-08
10-Q 2012-03-31 Filed 2012-05-10
10-Q 2011-12-31 Filed 2012-02-08
10-K 2011-09-30 Filed 2011-11-23
10-Q 2011-06-30 Filed 2011-08-05
10-Q 2011-03-31 Filed 2011-05-05
10-Q 2010-12-31 Filed 2011-02-08
10-K 2010-09-30 Filed 2010-11-24
10-Q 2010-06-30 Filed 2010-08-05
10-Q 2010-03-31 Filed 2010-05-07
10-Q 2009-12-31 Filed 2010-02-05
8-K 2020-05-11 Earnings, Regulation FD, Exhibits
8-K 2020-05-11 Officers
8-K 2020-03-05 Shareholder Vote, Regulation FD
8-K 2020-02-24 Officers, Regulation FD, Exhibits
8-K 2020-02-03 Earnings, Regulation FD, Exhibits
8-K 2020-01-08 Officers
8-K 2019-12-05 Earnings, Regulation FD, Other Events, Exhibits
8-K 2019-10-01 Enter Agreement, Exhibits
8-K 2019-09-18 Officers, Shareholder Vote, Regulation FD, Exhibits
8-K 2019-07-31 Earnings, Regulation FD, Exhibits
8-K 2019-06-24 Regulation FD, Exhibits
8-K 2019-06-17 Regulation FD, Exhibits
8-K 2019-05-13 Officers, Shareholder Vote, Exhibits
8-K 2019-05-08 Earnings, Regulation FD, Exhibits
8-K 2019-05-08 Earnings, Regulation FD, Exhibits
8-K 2019-04-08 Officers, Shareholder Vote, Regulation FD, Exhibits
8-K 2019-02-08 Regulation FD
8-K 2019-02-04 Regulation FD, Exhibits
8-K 2019-01-30 Earnings, Regulation FD, Exhibits
8-K 2018-11-23 Shareholder Vote, Regulation FD, Exhibits
8-K 2018-11-14 Earnings, Regulation FD, Exhibits
8-K 2018-10-23 Officers
8-K 2018-08-01 Earnings, Regulation FD, Exhibits
8-K 2018-06-25 Regulation FD, Exhibits
8-K 2018-06-11 Regulation FD, Exhibits
8-K 2018-05-30 Regulation FD
8-K 2018-05-15 Enter Agreement, Off-BS Arrangement, Sale of Shares, Exhibits
8-K 2018-05-09 Shareholder Vote, Other Events, Exhibits
8-K 2018-05-08 Other Events, Exhibits
8-K 2018-05-02 Earnings, Regulation FD, Exhibits
8-K 2018-03-19 Shareholder Vote, Regulation FD
8-K 2018-01-31 Earnings, Regulation FD, Exhibits

EZPW 10Q Quarterly Report

Part I - Financial Information
Item 1. Financial Statements
Note 1: Organization and Summary of Significant Accounting Policies
Note 2: Goodwill and Intangible Assets
Note 3: Acquisitions
Note 4: Earnings per Share
Note 5: Leases
Note 6: Strategic Investments
Note 7: Fair Value Measurements
Note 8: Debt
Note 9: Common Stock and Stock Compensation
Note 10: Income Taxes
Note 11: Contingencies
Note 12: Segment Information
Note 13: Supplemental Consolidated Financial Information
Note 14: Subsequent Events
Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations
Item 3. Quantitative and Qualitative Disclosures About Market Risk
Item 4. Controls and Procedures
Part II - Other Information
Item 1. Legal Proceedings
Item 1A. Risk Factors
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
Item 6. Exhibits
EX-10.1 a2020-q210qex1013312020.htm
EX-31.1 a2020-q210qex311033120.htm
EX-31.2 a2020-q210qex312033120.htm
EX-32.1 a2020-q210qex321033120.htm

EZCorp Earnings 2020-03-31

Balance SheetIncome StatementCash Flow
1.61.31.00.60.30.02012201420172020
Assets, Equity
0.30.20.10.1-0.0-0.12012201420172020
Rev, G Profit, Net Income
0.10.0-0.0-0.1-0.1-0.22012201420172020
Ops, Inv, Fin

Document
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
 
 
 
 
FORM 10-Q
 
 
 
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended March 31, 2020 or
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from                      to                         
Commission File No. 0-19424
ezcorplogob12.jpg
EZCORP, INC.
(Exact name of registrant as specified in its charter)
Delaware
74-2540145
(State or other jurisdiction of incorporation or organization)
(I.R.S. Employer Identification No.)
 
 
 
 
 
 
2500 Bee Cave Road
Bldg One
Suite 200
Rollingwood
TX
78746
(Address of principal executive offices)
(Zip Code)
Registrant’s telephone number, including area code: (512) 314-3400
 
 
 
 
Securities registered pursuant to Section 12(b) of the Act
Title of each class
 
Trading Symbol(s)
 
Name of each exchange on which registered
 
 
 
 
 
 
Class A Non-voting Common Stock, par value $.01 per share
 
EZPW
 
NASDAQ Stock Market
(NASDAQ Global Select Market)
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes      No  
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).    Yes      No  
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See definition of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and "emerging growth company" in Rule 12b-2 of the Exchange Act.
Large Accelerated Filer
Accelerated Filer
Non-accelerated Filer
Smaller Reporting Company
 
 
Emerging Growth Company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes      No  
APPLICABLE ONLY TO CORPORATE ISSUERS:
The only class of voting securities of the registrant issued and outstanding is the Class B Voting Common Stock, par value $.01 per share, all of which is owned by an affiliate of the registrant. There is no trading market for the Class B Voting Common Stock.
As of April 29, 2020, 52,097,590 shares of the registrant’s Class A Non-voting Common Stock ("Class A Common Stock"), par value $.01 per share, and 2,970,171 shares of the registrant’s Class B Voting Common Stock, par value $.01 per share, were outstanding.



EZCORP, Inc.
INDEX TO FORM 10-Q
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 



PART I — FINANCIAL INFORMATION
ITEM 1. FINANCIAL STATEMENTS
EZCORP, Inc.
CONDENSED CONSOLIDATED BALANCE SHEETS
(in thousands, except share and per share amounts)
 
March 31,
2020
 
March 31,
2019
 
September 30,
2019
 
 
 
 
 
 
 
(Unaudited)
 
 
Assets:
 
 
 
 
 
Current assets:
 
 
 
 
 
Cash and cash equivalents
$
193,729

 
$
347,786

 
$
157,567

Restricted cash
4,000

 

 
4,875

Pawn loans
160,179

 
173,138

 
199,058

Pawn service charges receivable, net
27,304

 
27,097

 
31,802

Inventory, net
173,251

 
173,348

 
179,355

Notes receivable, net
3,728

 
23,450

 
7,182

Prepaid expenses and other current assets
23,629

 
32,984

 
25,921

Total current assets
585,820

 
777,803

 
605,760

Investments in unconsolidated affiliates
27,993

 
29,387

 
34,516

Property and equipment, net
58,787

 
67,518

 
67,357

Lease right-of-use asset
206,839

 

 

Goodwill
257,222

 
296,881

 
300,527

Intangible assets, net
64,043

 
58,503

 
68,044

Notes receivable, net
1,132

 
8,509

 
1,117

Deferred tax asset, net
6,251

 
10,119

 
1,998

Other assets
5,045

 
4,395

 
4,383

Total assets
$
1,213,132

 
$
1,253,115

 
$
1,083,702

 
 
 
 
 
 
Liabilities and equity:
 
 
 
 
 
Current liabilities:
 
 
 
 
 
Current maturities of long-term debt, net
$
267

 
$
192,901

 
$
214

Accounts payable, accrued expenses and other current liabilities
53,152

 
58,696

 
77,957

Customer layaway deposits
13,060

 
13,564

 
12,915

Lease liability
44,076

 

 

Total current liabilities
110,555

 
265,161

 
91,086

Long-term debt, net
244,288

 
232,733

 
238,380

Deferred tax liability, net
2,540

 
9,012

 
1,985

Lease liability
171,006

 

 

Other long-term liabilities
7,190

 
6,450

 
7,302

Total liabilities
535,579

 
513,356

 
338,753

Commitments and contingencies (Note 10)


 


 


Stockholders’ equity:
 
 
 
 
 
Class A Non-voting Common Stock, par value $.01 per share; shares authorized: 100 million; issued and outstanding: 52,097,590 as of March 31, 2020; 52,475,070 as of March 31, 2019; and 52,565,064 as of September 30, 2019
521

 
524

 
526

Class B Voting Common Stock, convertible, par value $.01 per share; shares authorized: 3 million; issued and outstanding: 2,970,171
30

 
30

 
30

Additional paid-in capital
406,171

 
402,505

 
407,628

Retained earnings
347,004

 
386,650

 
389,163

Accumulated other comprehensive loss
(76,173
)
 
(49,950
)
 
(52,398
)
Total equity
677,553

 
739,759

 
744,949

Total liabilities and equity
$
1,213,132

 
$
1,253,115

 
$
1,083,702

See accompanying notes to unaudited interim condensed consolidated financial statements.

1


EZCORP, Inc.
CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS
 
Three Months Ended March 31,
 
Six Months Ended March 31,
 
2020
 
2019
 
2020
 
2019
 
 
 
 
 
 
 
 
 
(Unaudited)
 
(in thousands, except per share amounts)
Revenues:
 
 
 
 
 
 
 
Merchandise sales
$
129,830

 
$
121,260

 
$
256,558

 
$
242,284

Jewelry scrapping sales
11,878

 
10,380

 
21,406

 
19,661

Pawn service charges
80,222

 
81,799

 
164,947

 
165,318

Other revenues
1,353

 
1,291

 
2,807

 
3,162

Total revenues
223,283

 
214,730

 
445,718

 
430,425

Merchandise cost of goods sold
85,776

 
77,800

 
169,852

 
154,912

Jewelry scrapping cost of goods sold
9,617

 
8,833

 
17,371

 
16,883

Other cost of revenues
525

 
407

 
1,061

 
891

Net revenues
127,365

 
127,690

 
257,434

 
257,739

Operating expenses:
 
 
 
 
 
 
 
Operations
88,372

 
89,766

 
178,997

 
180,642

Administrative
14,620

 
14,964

 
32,109

 
28,129

Impairment of goodwill and intangible assets
47,060

 

 
47,060

 

Depreciation and amortization
7,762

 
7,012

 
15,495

 
13,860

Loss (gain) on sale or disposal of assets and other
261

 
(823
)
 
1,005

 
3,619

Total operating expenses
158,075

 
110,919

 
274,666

 
226,250

Operating (loss) income
(30,710
)
 
16,771

 
(17,232
)
 
31,489

Interest expense
5,881

 
8,589

 
11,210

 
17,380

Interest income
(941
)
 
(3,126
)
 
(1,784
)
 
(6,465
)
Equity in net (income) loss of unconsolidated affiliates
(1,184
)
 
(431
)
 
4,713

 
688

Impairment of investment in unconsolidated affiliates

 
6,451

 

 
19,725

Other (income) expense
(361
)
 
269

 
(290
)
 
(117
)
(Loss) income from continuing operations before income taxes
(34,105
)
 
5,019

 
(31,081
)
 
278

Income tax expense
6,749

 
2,360

 
8,508

 
1,279

(Loss) income from continuing operations, net of tax
(40,854
)
 
2,659

 
(39,589
)
 
(1,001
)
Loss from discontinued operations, net of tax
(20
)
 
(18
)
 
(47
)
 
(201
)
Net (loss) income
(40,874
)
 
2,641

 
(39,636
)
 
(1,202
)
Net loss attributable to noncontrolling interest

 
(753
)
 

 
(1,230
)
Net (loss) income attributable to EZCORP, Inc.
$
(40,874
)
 
$
3,394

 
$
(39,636
)
 
$
28

 
 
 
 
 
 
 
 
Basic (loss) earnings per share attributable to EZCORP, Inc. — continuing operations
$
(0.74
)
 
$
0.06

 
$
(0.71
)
 
$

Diluted (loss) earnings per share attributable to EZCORP, Inc. — continuing operations
$
(0.74
)
 
$
0.06

 
$
(0.71
)
 
$

 
 
 
 
 
 
 
 
Weighted-average basic shares outstanding
55,448

 
55,445

 
55,557

 
55,236

Weighted-average diluted shares outstanding
55,522

 
55,463

 
55,608

 
55,247

See accompanying notes to unaudited interim condensed consolidated financial statements.

2


EZCORP, Inc.
CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE (LOSS) INCOME
 
Three Months Ended March 31,
 
Six Months Ended March 31,
 
2020
 
2019
 
2020
 
2019
 
 
 
 
 
 
 
 
 
(Unaudited)
 
(in thousands)
Net (loss) income
$
(40,874
)
 
$
2,641

 
$
(39,636
)
 
$
(1,202
)
Other comprehensive loss:
 
 
 
 
 
 
 
Foreign currency translation loss, net of income tax benefit for our investment in unconsolidated affiliate of $517 and $380 for the three and six months ended March 31, 2020, respectively, and $602 and $515 for the three and six months ended March 31, 2019.
(29,846
)
 
(1,211
)
 
(23,775
)
 
(7,594
)
Comprehensive (loss) income
(70,720
)
 
1,430

 
(63,411
)
 
(8,796
)
Comprehensive loss attributable to noncontrolling interest


(753
)
 


(1,230
)
Comprehensive (loss) income attributable to EZCORP, Inc.
$
(70,720
)
 
$
2,183

 
$
(63,411
)
 
$
(7,566
)
See accompanying notes to unaudited interim condensed consolidated financial statements.










3


EZCORP, Inc.
CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY
 
Common Stock
 
Additional
Paid-in
Capital
 
Retained
Earnings
 
Accumulated
Other
Comprehensive Loss
 
Noncontrolling Interest
 
Total Equity
 
Shares
 
Par Value
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(Unaudited, except balances as of September 30, 2018)
 
(in thousands)
Balances as of September 30, 2018
54,585

 
$
546

 
$
397,927

 
$
386,622

 
$
(42,356
)
 
$
(3,331
)
 
$
739,408

Stock compensation

 

 
2,247

 

 

 

 
2,247

Release of restricted stock
860

 
8

 

 

 

 

 
8

Taxes paid related to net share settlement of equity awards

 

 
(3,288
)
 

 

 

 
(3,288
)
Transfer of subsidiary shares to noncontrolling interest

 

 
3,195

 

 

 
(3,195
)
 

Foreign currency translation loss

 

 

 

 
(6,383
)
 

 
(6,383
)
Net loss

 

 

 
(3,366
)
 

 
(477
)
 
(3,843
)
Balances as of December 31, 2018
55,445

 
$
554

 
$
400,081

 
$
383,256

 
$
(48,739
)
 
$
(7,003
)
 
$
728,149

Stock compensation

 

 
2,424

 

 

 

 
2,424

Deconsolidation of subsidiary

 

 

 

 

 
7,756

 
7,756

Foreign currency translation loss

 

 

 

 
(1,211
)
 

 
(1,211
)
Net income (loss)

 

 

 
3,394

 

 
(753
)
 
2,641

Balances as of March 31, 2019
55,445

 
$
554

 
$
402,505

 
$
386,650

 
$
(49,950
)
 
$

 
$
739,759

 
Common Stock
 
Additional
Paid-in
Capital
 
Retained
Earnings
 
Accumulated
Other
Comprehensive Loss
 
Total Equity
 
Shares
 
Par Value
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(Unaudited, except balances as of September 30, 2019)
 
(in thousands)
Balances as of September 30, 2019
55,535

 
$
556

 
$
407,628

 
$
389,163

 
$
(52,398
)
 
$
744,949

Stock compensation

 

 
1,695

 

 

 
1,695

Release of restricted stock
463

 
5

 

 

 

 
5

Taxes paid related to net share settlement of equity awards

 

 
(1,395
)
 

 

 
(1,395
)
Foreign currency translation gain

 

 

 

 
6,071

 
6,071

Purchase and retirement of treasury stock
(142
)
 
(2
)
 
(488
)
 
(473
)
 

 
(963
)
Net income

 

 

 
1,238

 

 
1,238

Balances as of December 31, 2019
55,856

 
$
559

 
$
407,440

 
$
389,928

 
$
(46,327
)
 
$
751,600

Stock compensation

 

 
930

 

 

 
930

Release of restricted stock
13

 
1

 

 

 

 
1

Taxes paid related to net share settlement of equity awards

 

 
(63
)
 

 

 
(63
)
Foreign currency translation loss

 

 

 

 
(29,846
)
 
(29,846
)
Purchase and retirement of treasury stock
(801
)
 
(9
)
 
(2,136
)
 
(2,050
)
 

 
(4,195
)
Net loss

 

 

 
(40,874
)
 

 
(40,874
)
Balances as of March 31, 2020
55,068

 
$
551

 
$
406,171

 
$
347,004

 
$
(76,173
)
 
$
677,553

See accompanying notes to unaudited interim condensed consolidated financial statements.

4


EZCORP, Inc.
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS
 
Six Months Ended March 31,
 
2020
 
2019
 
 
 
 
 
(Unaudited)
 
(in thousands)
Operating activities:
 
 
 
Net loss
$
(39,636
)
 
$
(1,202
)
Adjustments to reconcile net loss to net cash flows from operating activities:
 
 
 
Depreciation and amortization
15,495

 
13,860

Amortization of debt discount and deferred financing costs
6,493

 
11,225

Amortization of lease right-of-use asset
22,752

 

Accretion of notes receivable discount and deferred compensation fee
(546
)
 
(2,492
)
Deferred income taxes
(3,698
)
 
358

Impairment of goodwill and intangible assets
47,060

 

Impairment of investment in unconsolidated affiliate

 
19,725

Other adjustments
1,810

 
1,265

Reserve on jewelry scrap receivable

 
3,646

Stock compensation expense
2,722

 
4,697

Loss from investment in unconsolidated affiliates
4,713