AUSTIN, Texas, July 22 /PRNewswire-FirstCall/ -- EZCORP, Inc. (Nasdaq: EZPW), a leading pawn store operator and provider of specialty consumer financial services, today announced results for its third fiscal quarter ended June 30, 2010.
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EZCORP's net income for the quarter increased 39% to $20.0 million ($0.40 per share) compared to $14.4 million ($0.29 per share) for the third quarter of fiscal 2009. Total revenues for the quarter increased 17% over the prior year period to $173.5 million.
Consolidated operating income improved 34% to $28.8 million (27% of net revenues) from $21.5 million (24% of net revenues) in the prior year quarter. Store level operating income improved $9.2 million in the Company's U.S. Pawn operations, $0.3 million in its Empeno Facil Mexico Pawn segment and $3.1 million in its EZMONEY operations.
EZCORP's net income for the nine-month period ended June 30, 2010 increased 46% to $69.4 million ($1.40 per share) compared to $47.5 million ($1.00 per share) for the prior year nine-month period. Operating income for the nine months improved 43% to $101.8 million (31% of net revenues) compared to $71.2 million (27% of net revenues) for the prior year nine-month period.
Commenting on these results, Chief Executive Officer, Joe Rotunda, stated, "The June quarter was another great quarter for EZCORP. Each of our business segments and strategic affiliates produced robust revenue and earnings increases over the prior year quarter. In addition, our consolidated pawn and EZMONEY loan portfolios reflect strong, high quality growth over last year of 19% and 28%, respectively. These results clearly demonstrate strong consumer demand for our assortment of products and services and the value and convenience they provide in today's financial marketplace."
The Company's President and Chief Operating Officer, Paul Rothamel, added, "We are very pleased by the strong growth and customer acceptance of our expanded offerings, and recently achieved a number of significant milestones. We acquired thirteen domestic pawn stores in June, giving us an entrance to the Chicago area and strengthening our number one position in Florida; we surpassed 70 new store openings year-to-date; and we opened our 100th pawn store in Mexico on July 2."
Rothamel concluded, "We continue to drive earnings growth with an intense focus on product and geographic diversification, new store growth and superior customer service. We are increasing our expected earnings per share for the full fiscal year ending September 30 to $1.92, representing a 35% increase from $1.42 in fiscal 2009."
You are invited to listen to a conference call discussing these results on July 22, 2010 at 3:30 pm Central Time. The conference call can be accessed over the Internet or replayed at your convenience at the following address.
http://www.videonewswire.com/event.asp?id=70642
ABOUT EZCORP
EZCORP is a leading pawn store operator and provider of specialty consumer financial services. It provides collateralized non-recourse loans, commonly known as pawn loans, and a variety of short-term consumer loans including payday loans, installment loans and auto title loans, or fee-based credit services to customers seeking loans. At its pawn stores, the company also sells second-hand merchandise, primarily collateral forfeited from its pawn lending operations.
At June 30, 2010, EZCORP operated 482 pawn stores in the U.S. and Mexico and 497 short-term consumer loan stores in the U.S. and Canada. The company also has significant investments in Albemarle & Bond Holdings PLC (ABM.L), one of the U.K.'s largest pawnbroking businesses with over 120 stores, and Cash Converters International Limited (CCV.L and CCV.AUS), which franchises and operates a worldwide network of over 500 financial services and second-hand retail stores.
Special Note Regarding Forward-Looking Statements
This announcement contains certain forward-looking statements regarding the Company's expected operating and financial performance for future periods, including new store expansion and expected future earnings. These statements are based on the Company's current expectations. Actual results for future periods may differ materially from those expressed or implied by these forward-looking statements due to a number of uncertainties and other factors, including changing market conditions in the overall economy and the industry, consumer demand for the Company's services and merchandise, actions of third parties who offer services and products in the Company's locations and changes in the regulatory environment. For a discussion of these and other factors affecting the Company's business and prospects, see the Company's annual, quarterly and other reports filed with the Securities and Exchange Commission.
For additional information, contact Danny Chism at (512) 314-2246.
EZCORP, Inc. |
|||||||||
Highlights of Consolidated Statements of Operations (Unaudited) |
|||||||||
(in thousands, except per share data and percents) |
|||||||||
Three Months Ended June 30, |
Increase |
Percent |
|||||||
2010 |
2009 |
(Decrease) |
Change |
||||||
1 |
Revenues: |
||||||||
2 |
Merchandise sales |
$ 49,891 |
$ 50,442 |
$ (551) |
(1.1) |
||||
3 |
Jewelry scrapping sales |
43,773 |
30,867 |
12,906 |
41.8 |
||||
4 |
Pawn service charges |
39,424 |
32,880 |
6,544 |
19.9 |
||||
5 |
Signature loan fees |
32,296 |
30,815 |
1,481 |
4.8 |
||||
6 |
Auto title loan fees |
4,658 |
1,030 |
3,628 |
352.2 |
||||
7 |
Other |
3,500 |
1,740 |
1,760 |
101.1 |
||||
8 |
Total revenues |
173,542 |
147,774 |
25,768 |
17.4 |
||||
9 |
Cost of goods sold: |
||||||||
10 |
Cost of merchandise sales |
29,710 |
31,057 |
(1,347) |
(4.3) |
||||
11 |
Cost of jewelry scrapping sales |
29,275 |
19,908 |
9,367 |
47.1 |
||||
12 |
Total cost of goods sold |
58,985 |
50,965 |
8,020 |
15.7 |
||||
13 |
Bad debt: |
||||||||
14 |
Signature loan bad debt |
8,917 |
8,618 |
299 |
3.5 |
||||
15 |
Auto title loan bad debt |
836 |
104 |
732 |
703.8 |
||||
16 |
Total bad debt |
9,753 |
8,722 |
1,031 |
11.8 |
||||
17 |
Net revenue |
104,804 |
88,087 |
16,717 |
19.0 |
||||
18 |
|||||||||
19 |
Operations expense |
57,952 |
53,833 |
4,119 |
7.7 |
||||
20 |
Administrative expense |
13,576 |
9,687 |
3,889 |
40.1 |
||||
21 |
Depreciation and amortization |
3,759 |
3,254 |
505 |
15.5 |
||||
22 |
(Gain) / Loss on sale/disposal of assets |
734 |
(146) |
880 |
(602.7) |
||||
23 |
Operating income |
28,783 |
21,459 |
7,324 |
34.1 |
||||
24 |
|||||||||
25 |
Interest income |
(135) |
(59) |
(76) |
128.8 |
||||
26 |
Interest expense |
311 |
428 |
(117) |
(27.3) |
||||
27 |
Equity in net income of unconsolidated affiliates |
(2,930) |
(851) |
(2,079) |
244.3 |
||||
28 |
Other |
(100) |
11 |
(111) |
(1009.1) |
||||
29 |
Income before income taxes |
31,637 |
21,930 |
9,707 |
44.3 |
||||
30 |
Income tax expense |
11,675 |
7,545 |
4,130 |
54.7 |
||||
31 |
Net income |
$ 19,962 |
$ 14,385 |
$ 5,577 |
38.8 |
||||
32 |
|||||||||
33 |
Net income per share, diluted |
$ 0.40 |
$ 0.29 |
$ 0.11 |
37.9 |
||||
34 |
Weighted average shares, diluted |
49,640 |
49,279 |
||||||
35 |
|||||||||
36 |
Amount or |
||||||||
37 |
Percentage Point (ppt) |
||||||||
38 |
OTHER DATA: |
Increase (Decrease) |
|||||||
39 |
Gross margin on merchandise sales (lines (2-10)/2) |
40.5% |
38.4% |
2.1 |
ppts |
||||
40 |
Gross margin on jewelry scrapping sales (lines (3-11)/3) |
33.1% |
35.5% |
(2.4) |
ppts |
||||
41 |
Gross margin on total sales (lines ((2+3)-12)/(2+3)) |
37.0% |
37.3% |
(0.3) |
ppts |
||||
42 |
|||||||||
43 |
Signature loan bad debt as percent of fees (lines 14/5) |
27.6% |
28.0% |
(0.4) |
ppts |
||||
44 |
Auto title loan bad debt as percent of fees (lines 15/6) |
17.9% |
10.1% |
7.8 |
ppts |
||||
45 |
|||||||||
46 |
Annualized inventory turnover |
4.1 |
3.6 |
0.5 |
|||||
47 |
|||||||||
48 |
Operating income margin (lines 23/17) |
27.5% |
24.4% |
3.1 |
ppts |
||||
EZCORP, Inc. |
|||||||||
Highlights of Consolidated Statements of Operations (Unaudited) |
|||||||||
(in thousands, except per share data and percents) |
|||||||||
Nine months Ended June 30, |
Increase |
Percent |
|||||||
2010 |
2009 |
(Decrease) |
Change |
||||||
1 |
Revenues: |
||||||||
2 |
Merchandise sales |
$ 175,450 |
$ 156,293 |
$ 19,157 |
12.3 |
||||
3 |
Jewelry scrapping sales |
117,443 |
78,609 |
38,834 |
49.4 |
||||
4 |
Pawn service charges |
118,527 |
92,777 |
25,750 |
27.8 |
||||
5 |
Signature loan fees |
102,616 |
98,409 |
4,207 |
4.3 |
||||
6 |
Auto title loan fees |
11,716 |
1,666 |
10,050 |
603.2 |
||||
7 |
Other |
9,125 |
4,901 |
4,224 |
86.2 |
||||
8 |
Total revenues |
534,877 |
432,655 |
102,222 |
23.6 |
||||
9 |
Cost of goods sold: |
||||||||
10 |
Cost of merchandise sales |
108,056 |
96,348 |
11,708 |
12.2 |
||||
11 |
Cost of jewelry scrapping sales |
75,661 |
51,468 |
24,193 |
47.0 |
||||
12 |
Total cost of goods sold |
183,717 |
147,816 |
35,901 |
24.3 |
||||
13 |
Bad debt: |
||||||||
14 |
Signature loan bad debt |
22,104 |
23,174 |
(1,070) |
(4.6) |
||||
15 |
Auto title loan bad debt |
1,616 |
153 |
1,463 |
956.2 |
||||
16 |
Total bad debt |
23,720 |
23,327 |
393 |
1.7 |
||||
17 |
Net revenue |
327,440 |
261,512 |
65,928 |
25.2 |
||||
18 |
|||||||||
19 |
Operations expense |
174,338 |
151,955 |
22,383 |
14.7 |
||||
20 |
Administrative expense |
39,356 |
29,892 |
9,464 |
31.7 |
||||
21 |
Depreciation and amortization |
10,688 |
9,471 |
1,217 |
12.8 |
||||
22 |
(Gain) / Loss on sale/disposal of assets |
1,301 |
(967) |
2,268 |
(234.5) |
||||
23 |
Operating income |
101,757 |
71,161 |
30,596 |
43.0 |
||||
24 |
|||||||||
25 |
Interest income |
(151) |
(257) |
106 |
(41.2) |
||||
26 |
Interest expense |
1,071 |
1,064 |
7 |
0.7 |
||||
27 |
Equity in net income of unconsolidated affiliates |
(7,519) |
(3,163) |
(4,356) |
137.7 |
||||
28 |
Other |
(103) |
38 |
(141) |
(371.1) |
||||
29 |
Income before income taxes |
108,459 |
73,479 |
34,980 |
47.6 |
||||
30 |
Income tax expense |
39,017 |
25,946 |
13,071 |
50.4 |
||||
31 |
Net income |
$ 69,442 |
$ 47,533 |
$ 21,909 |
46.1 |
||||
32 |
|||||||||
33 |
Net income per share, diluted |
$ 1.40 |
$ 1.00 |
$ 0.40 |
40.0 |
||||
34 |
Weighted average shares, diluted |
49,541 |
47,724 |
||||||
35 |
|||||||||
36 |
Amount or |
||||||||
37 |
Percentage Point (ppt) |
||||||||
38 |
OTHER DATA: |
Increase (Decrease) |
|||||||
39 |
Gross margin on merchandise sales (lines (2-10)/2) |
38.4% |
38.4% |
0.0 |
ppts |
||||
40 |
Gross margin on jewelry scrapping sales (lines (3-11)/3) |
35.6% |
34.5% |
1.1 |
ppts |
||||
41 |
Gross margin on total sales (lines ((2+3)-12)/(2+3)) |
37.3% |
37.1% |
0.2 |
ppts |
||||
42 |
|||||||||
43 |
Signature loan bad debt as percent of fees (lines 14/5) |
21.5% |
23.5% |
(2.0) |
ppts |
||||
44 |
Auto title loan bad debt as percent of fees (lines 15/6) |
13.8% |
9.2% |
4.6 |
ppts |
||||
45 |
|||||||||
46 |
Annualized inventory turnover |
4.0 |
3.6 |
0.4 |
|||||
47 |
|||||||||
48 |
Operating income margin (lines 23/17) |
31.1% |
27.2% |
3.9 |
ppts |
||||
EZCORP, Inc. |
|||||
Highlights of Consolidated Balance Sheets (Unaudited) |
|||||
(in thousands, except per share data and store counts) |
|||||
June 30, |
|||||
2010 |
2009 |
||||
1 |
Assets: |
||||
2 |
Current assets: |
||||
3 |
Cash and cash equivalents |
$ 14,912 |
$ 46,546 |
||
4 |
Pawn loans |
112,807 |
94,648 |
||
5 |
Signature loans, net |
8,915 |
7,649 |
||
6 |
Auto title loans, net |
2,802 |
1,126 |
||
7 |
Pawn service charges receivable, net |
19,899 |
16,693 |
||
8 |
Signature loan fees receivable, net |
5,493 |
5,105 |
||
9 |
Auto title loan fees receivable, net |
1,314 |
352 |
||
10 |
Inventory, net |
61,181 |
57,141 |
||
11 |
Deferred tax asset |
15,803 |
15,809 |
||
12 |
Federal income taxes receivable |
10,655 |
- |
||
13 |
Prepaid expenses and other assets |
15,179 |
14,866 |
||
14 |
Total current assets |
268,960 |
259,935 |
||
15 |
|||||
16 |
Investments in unconsolidated affiliates |
99,773 |
34,784 |
||
17 |
Property and equipment, net |
59,045 |
49,752 |
||
18 |
Deferred tax asset, non-current |
5,526 |
9,090 |
||
19 |
Goodwill |
115,415 |
100,742 |
||
20 |
Other assets, net |
22,664 |
17,892 |
||
21 |
Total assets |
$ 571,383 |
$ 472,195 |
||
22 |
Liabilities and stockholders' equity: |
||||
23 |
Current liabilities: |
||||
24 |
Current maturities of long-term debt |
$ 10,000 |
$ 10,000 |
||
25 |
Accounts payable and other accrued expenses |
44,194 |
33,958 |
||
26 |
Customer layaway deposits |
5,404 |
3,603 |
||
27 |
Federal income taxes payable |
- |
1,988 |
||
28 |
Total current liabilities |
59,598 |
49,549 |
||
29 |
|||||
30 |
Long-term debt, less current maturities |
17,500 |
27,500 |
||
31 |
Deferred gains and other long-term liabilities |
2,630 |
3,352 |
||
32 |
Total stockholders' equity |
491,655 |
391,794 |
||
33 |
Total liabilities and stockholders' equity |
$ 571,383 |
$ 472,195 |
||
34 |
|||||
35 |
Pawn loan balance per ending pawn store |
$ 234 |
$ 227 |
||
36 |
Inventory per ending pawn store |
$ 127 |
$ 137 |
||
37 |
Book value per share |
$ 9.99 |
$ 8.05 |
||
38 |
Tangible book value per share |
$ 7.32 |
$ 5.65 |
||
39 |
Pawn store count - end of period |
482 |
417 |
||
40 |
Signature loan store count - end of period |
497 |
480 |
||
41 |
Shares outstanding - end of period |
49,218 |
48,652 |
||
EZCORP, Inc. |
|||||||||||
Operating Segment Results (Unaudited) |
|||||||||||
(in thousands, except store counts and percents) |
|||||||||||
U.S. Pawn |
Empeno |
EZMONEY |
|||||||||
Three months ended June 30, 2010: |
Operations |
Facil |
Operations |
Consolidated |
|||||||
1 |
Revenues: |
||||||||||
2 |
Sales |
$ 87,916 |
$ 5,579 |
$ 169 |
$ 93,664 |
||||||
3 |
Pawn service charges |
37,014 |
2,410 |
- |
39,424 |
||||||
4 |
Signature loan fees |
455 |
- |
31,841 |
32,296 |
||||||
5 |
Auto title loan fees |
359 |
- |
4,299 |
4,658 |
||||||
6 |
Other |
3,361 |
131 |
8 |
3,500 |
||||||
7 |
Total revenues |
129,105 |
8,120 |
36,317 |
173,542 |
||||||
8 |
|||||||||||
9 |
Cost of goods sold |
55,077 |
3,823 |
85 |
58,985 |
||||||
10 |
Signature loan bad debt |
159 |
- |
8,758 |
8,917 |
||||||
11 |
Auto title loan bad debt |
44 |
- |
792 |
836 |
||||||
12 |
Net revenues |
73,825 |
4,297 |
26,682 |
104,804 |
||||||
13 |
|||||||||||
14 |
Operations expense |
39,148 |
2,999 |
15,805 |
57,952 |
||||||
15 |
Store operating income |
$ 34,677 |
$ 1,298 |
$ 10,877 |
$ 46,852 |
||||||
16 |
|||||||||||
17 |
Gross margin on total sales (lines (2-9)/2) |
37.4% |
31.5% |
49.7% |
37.0% |
||||||
18 |
Annualized inventory turnover |
4.1 |
4.4 |
N/A |
4.1 |
||||||
19 |
Signature loan bad debt as percent of fees (lines 10/4) |
34.9% |
N/A |
27.5% |
27.6% |
||||||
20 |
Auto title loan bad debt as percent of fees (lines 11/5) |
12.3% |
N/A |
18.4% |
17.9% |
||||||
21 |
Operating income margin (lines 15/12) |
47.0% |
30.2% |
40.8% |
44.7% |
||||||
22 |
Pawn store count - end of period |
383 |
99 |
- |
482 |
||||||
23 |
Signature loan store count - end of period |
6 |
- |
491 |
497 |
||||||
24 |
|||||||||||
25 |
|||||||||||
26 |
Three months ended June 30, 2009: |
||||||||||
27 |
Revenues: |
||||||||||
28 |
Sales |
$ 78,519 |
$ 2,790 |
$ - |
$ 81,309 |
||||||
29 |
Pawn service charges |
31,409 |
1,471 |
- |
32,880 |
||||||
30 |
Signature loan fees |
523 |
- |
30,292 |
30,815 |
||||||
31 |
Auto title loan fees |
430 |
- |
600 |
1,030 |
||||||
32 |
Other |
1,706 |
34 |
- |
1,740 |
||||||
33 |
Total revenues |
112,587 |
4,295 |
30,892 |
147,774 |
||||||
34 |
|||||||||||
35 |
Cost of goods sold |
49,157 |
1,808 |
- |
50,965 |
||||||
36 |
Signature loan bad debt |
237 |
- |
8,381 |
8,618 |
||||||
37 |
Auto title loan bad debt |
30 |
- |
74 |
104 |
||||||
38 |
Net revenues |
63,163 |
2,487 |
22,437 |
88,087 |
||||||
39 |
|||||||||||
40 |
Operations expense |
37,719 |
1,441 |
14,673 |
53,833 |
||||||
41 |
Store operating income |
$ 25,444 |
$ 1,046 |
$ 7,764 |
$ 34,254 |
||||||
42 |
|||||||||||
43 |
Gross margin on total sales (lines (28-35)/28) |
37.4% |
35.2% |
N/A |
37.3% |
||||||
44 |
Annualized inventory turnover |
3.7 |
2.5 |
N/A |
3.6 |
||||||
45 |
Signature loan bad debt as percent of fees (lines 36/30) |
45.3% |
N/A |
27.7% |
28.0% |
||||||
46 |
Auto title loan bad debt as percent of fees (lines 37/31) |
7.0% |
N/A |
12.3% |
10.1% |
||||||
47 |
Operating income margin (lines 41/38) |
40.3% |
42.1% |
34.6% |
38.9% |
||||||
48 |
Pawn store count - end of period |
370 |
47 |
- |
417 |
||||||
49 |
Signature loan store count - end of period |
6 |
- |
474 |
480 |
||||||
EZCORP, Inc. |
|||||||||||
Operating Segment Results (Unaudited) |
|||||||||||
(in thousands, except store counts and percents) |
|||||||||||
U.S. Pawn |
Empeno |
EZMONEY |
|||||||||
Nine months ended June 30, 2010: |
Operations |
Facil |
Operations |
Consolidated |
|||||||
1 |
Revenues: |
||||||||||
2 |
Sales |
$ 278,314 |
$ 14,346 |
$ 233 |
$ 292,893 |
||||||
3 |
Pawn service charges |
112,211 |
6,316 |
- |
118,527 |
||||||
4 |
Signature loan fees |
1,442 |
- |
101,174 |
102,616 |
||||||
5 |
Auto title loan fees |
1,261 |
- |
10,455 |
11,716 |
||||||
6 |
Other |
8,771 |
346 |
8 |
9,125 |
||||||
7 |
Total revenues |
401,999 |
21,008 |
111,870 |
534,877 |
||||||
8 |
|||||||||||
9 |
Cost of goods sold |
173,348 |
10,253 |
116 |
183,717 |
||||||
10 |
Signature loan bad debt |
446 |
- |
21,658 |
22,104 |
||||||
11 |
Auto title loan bad debt |
166 |
- |
1,450 |
1,616 |
||||||
12 |
Net revenues |
228,039 |
10,755 |
88,646 |
327,440 |
||||||
13 |
|||||||||||
14 |
Operations expense |
119,259 |
7,736 |
47,343 |
174,338 |
||||||
15 |
Store operating income |
$ 108,780 |
$ 3,019 |
$ 41,303 |
$ 153,102 |
||||||
16 |
|||||||||||
17 |
Gross margin on total sales (lines (2-9)/2) |
37.7% |
28.5% |
50.2% |
37.3% |
||||||
18 |
Annualized inventory turnover |
3.9 |
4.5 |
N/A |
4.0 |
||||||
19 |
Signature loan bad debt as percent of fees (lines 10/4) |
30.9% |
N/A |
21.4% |
21.5% |
||||||
20 |
Auto title loan bad debt as percent of fees (lines 11/5) |
13.2% |
N/A |
13.9% |
13.8% |
||||||
21 |
Operating income margin (lines 15/12) |
47.7% |
28.1% |
46.6% |
46.8% |
||||||
22 |
Pawn store count - end of period |
383 |
99 |
- |
482 |
||||||
23 |
Signature loan store count - end of period |
6 |
- |
491 |
497 |
||||||
24 |
|||||||||||
25 |
|||||||||||
26 |
Nine months ended June 30, 2009: |
||||||||||
27 |
Revenues: |
||||||||||
28 |
Sales |
$ 227,494 |
$ 7,408 |
$ - |
$ 234,902 |
||||||
29 |
Pawn service charges |
88,558 |
4,219 |
- |
92,777 |
||||||
30 |
Signature loan fees |
1,766 |
- |
96,643 |
98,409 |
||||||
31 |
Auto title loan fees |
991 |
- |
675 |
1,666 |
||||||
32 |
Other |
4,866 |
35 |
- |
4,901 |
||||||
33 |
Total revenues |
323,675 |
11,662 |
97,318 |
432,655 |
||||||
34 |
|||||||||||
35 |
Cost of goods sold |
143,167 |
4,649 |
- |
147,816 |
||||||
36 |
Signature loan bad debt |
581 |
- |
22,593 |
23,174 |
||||||
37 |
Auto title loan bad debt |
72 |
- |
81 |
153 |
||||||
38 |
Net revenues |
179,855 |
7,013 |
74,644 |
261,512 |
||||||
39 |
|||||||||||
40 |
Operations expense |
102,764 |
4,024 |
45,167 |
151,955 |
||||||
41 |
Store operating income |
$ 77,091 |
$ 2,989 |
$ 29,477 |
$ 109,557 |
||||||
42 |
|||||||||||
43 |
Gross margin on total sales (lines (28-35)/28) |
37.1% |
37.2% |
N/A |
37.1% |
||||||
44 |
Annualized inventory turnover |
3.7 |
2.2 |
N/A |
3.6 |
||||||
45 |
Signature loan bad debt as percent of fees (lines 36/30) |
32.9% |
N/A |
23.4% |
23.5% |
||||||
46 |
Auto title loan bad debt as percent of fees (lines 37/31) |
7.3% |
N/A |
12.0% |
9.2% |
||||||
47 |
Operating income margin (lines 41/38) |
42.9% |
42.6% |
39.5% |
41.9% |
||||||
48 |
Pawn store count - end of period |
370 |
47 |
- |
417 |
||||||
49 |
Signature loan store count - end of period |
6 |
- |
474 |
480 |
||||||
SOURCE EZCORP, Inc.
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