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Table of Contents

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 June 30, 2019 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
ezcorplogoa80.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 July 22, 2019, 52,475,070 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.


Table of Contents

EZCORP, Inc.
INDEX TO FORM 10-Q
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 


Table of Contents

PART I — FINANCIAL INFORMATION
ITEM 1. FINANCIAL STATEMENTS
EZCORP, Inc.
CONDENSED CONSOLIDATED BALANCE SHEETS
(in thousands, except share and per share amounts)
 
June 30,
2019
 
June 30,
2018
 
September 30,
2018
 
 
 
 
 
 
 
(Unaudited)
 
 
Assets:
 
 
 
 
 
Current assets:
 
 
 
 
 
Cash and cash equivalents
$
138,922

 
$
284,493

 
$
285,311

Pawn loans
190,299

 
183,054

 
198,463

Pawn service charges receivable, net
29,847

 
26,439

 
30,959

Inventory, net
175,802

 
151,145

 
166,997

Notes receivable, net
16,166

 
37,906

 
34,199

Prepaid expenses and other current assets
37,365

 
43,708

 
33,456

Total current assets
588,401

 
726,745

 
749,385

Investments in unconsolidated affiliates
30,922

 
61,056

 
49,500

Property and equipment, net
66,214

 
71,587

 
73,649

Goodwill
300,700

 
294,335

 
299,248

Intangible assets, net
63,646

 
59,678

 
54,923

Notes receivable, net
10,912

 
13,432

 
3,226

Deferred tax asset, net
3,956

 
6,146

 
7,986

Other assets
4,472

 
3,575

 
3,863

Total assets
$
1,069,223

 
$
1,236,554

 
$
1,241,780

 
 
 
 
 
 
Liabilities and equity:
 
 
 
 
 
Current liabilities:
 
 
 
 
 
Current maturities of long-term debt, net
$
215

 
$
195,796

 
$
190,181

Accounts payable, accrued expenses and other current liabilities
59,981

 
61,595

 
57,958

Customer layaway deposits
12,750

 
11,938

 
11,824

Total current liabilities
72,946

 
269,329

 
259,963

Long-term debt, net
235,449

 
222,897

 
226,702

Deferred tax liability, net
7,522

 
4,285

 
8,817

Other long-term liabilities
5,990

 
7,458

 
6,890

Total liabilities
321,907

 
503,969

 
502,372

Commitments and contingencies (Note 8)


 


 


Stockholders’ equity:
 
 
 
 
 
Class A Non-voting Common Stock, par value $.01 per share; shares authorized: 100 million; issued and outstanding: 52,475,070 as of June 30, 2019; 51,494,246 as of June 30, 2018; and 51,614,746 as of September 30, 2018
524

 
515

 
516

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
404,880

 
395,428

 
397,927

Retained earnings
389,808

 
388,014

 
386,622

Accumulated other comprehensive loss
(47,926
)
 
(47,712
)
 
(42,356
)
EZCORP, Inc. stockholders’ equity
747,316

 
736,275

 
742,739

Noncontrolling interest

 
(3,690
)
 
(3,331
)
Total equity
747,316

 
732,585

 
739,408

Total liabilities and equity
$
1,069,223

 
$
1,236,554

 
$
1,241,780

See accompanying notes to unaudited interim condensed consolidated financial statements.

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Table of Contents

EZCORP, Inc.
CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS
 
Three Months Ended June 30,
 
Nine Months Ended June 30,
 
2019
 
2018
 
2019
 
2018
 
 
 
 
 
 
 
 
 
(Unaudited)
 
(in thousands, except per share amounts)
Revenues:
 
 
 
 
 
 
 
Merchandise sales
$
103,902

 
$
104,737

 
$
346,186

 
$
333,270

Jewelry scrapping sales
18,212

 
20,428

 
37,873

 
44,166

Pawn service charges
78,980

 
72,544

 
244,298

 
222,597

Other revenues
1,371

 
1,903

 
4,533

 
6,147

Total revenues
202,465

 
199,612

 
632,890

 
606,180

Merchandise cost of goods sold
70,271

 
66,896

 
225,183

 
210,283

Jewelry scrapping cost of goods sold
15,765

 
17,625

 
32,648

 
37,536

Other cost of revenues
576

 
349

 
1,467

 
1,273

Net revenues
115,853

 
114,742

 
373,592

 
357,088

Operating expenses:
 
 
 
 
 
 
 
Operations
84,727

 
82,932

 
261,756

 
248,758

Administrative
15,053

 
13,268

 
46,795

 
39,688

Depreciation and amortization
7,254

 
6,124

 
21,114

 
18,298

Loss on sale or disposal of assets and other
24

 
314

 
3,643

 
453

Total operating expenses
107,058

 
102,638

 
333,308

 
307,197

Operating income
8,795

 
12,104

 
40,284

 
49,891

Interest expense
9,832

 
7,394

 
27,212

 
19,070

Interest income
(3,172
)
 
(4,358
)
 
(9,637
)
 
(12,896
)
Equity in net income of unconsolidated affiliates
(1,320
)
 
(1,151
)
 
(632
)
 
(3,477
)
Impairment of investment in unconsolidated affiliates

 

 
19,725

 

Other income
(4
)
 
(5,287
)
 
(121
)
 
(5,473
)
Income from continuing operations before income taxes
3,459

 
15,506

 
3,737

 
52,667

Income tax expense
98

 
1,502

 
1,377

 
14,710

Income from continuing operations, net of tax
3,361

 
14,004

 
2,360

 
37,957

(Loss) income from discontinued operations, net of tax
(203
)
 
91

 
(404
)
 
(631
)
Net income
3,158

 
14,095

 
1,956

 
37,326

Net loss attributable to noncontrolling interest

 
(359
)
 
(1,230
)
 
(1,348
)
Net income attributable to EZCORP, Inc.
$
3,158

 
$
14,454

 
$
3,186

 
$
38,674

 
 
 
 
 
 
 
 
Basic earnings per share attributable to EZCORP, Inc. — continuing operations
$
0.06

 
$
0.26

 
$
0.06

 
$
0.72

Diluted earnings per share attributable to EZCORP, Inc. — continuing operations
$
0.06

 
$
0.25

 
$
0.06

 
$
0.69

 
 
 
 
 
 
 
 
Weighted-average basic shares outstanding
55,445

 
54,464

 
55,306

 
54,453

Weighted-average diluted shares outstanding
55,487

 
57,954

 
55,327

 
57,080

See accompanying notes to unaudited interim condensed consolidated financial statements.

2

Table of Contents

EZCORP, Inc.
CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
 
Three Months Ended June 30,
 
Nine Months Ended June 30,
 
2019
 
2018
 
2019
 
2018
 
 
 
 
 
 
 
 
 
(Unaudited)
 
(in thousands)
Net income
$
3,158

 
$
14,095

 
$
1,956

 
$
37,326

Other comprehensive gain (loss):
 
 
 
 
 
 
 
Foreign currency translation gain (loss), net of income tax expense (benefit) for our investment in unconsolidated affiliate of $45 and ($470) for the three and nine months ended June 30, 2019 respectively, and ($135) and $76 for the three and nine months ended June 30, 2018, respectively.
2,024

 
(7,464
)
 
(5,570
)
 
(7,993
)
Comprehensive income
5,182

 
6,631

 
(3,614
)
 
29,333

Comprehensive loss attributable to noncontrolling interest


(358
)
 
(1,230
)

(1,241
)
Comprehensive income attributable to EZCORP, Inc.
$
5,182

 
$
6,989

 
$
(2,384
)
 
$
30,574

See accompanying notes to unaudited interim condensed consolidated financial statements.
EZCORP, Inc.
CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY
 
Common Stock
 
Additional
Paid-in
Capital
 
Retained
Earnings
 
Accumulated
Other
Comprehensive (Loss) Income
 
Noncontrolling Interest
 
Total Equity
 
Shares
 
Par Value
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(Unaudited, except balances as of September 30, 2017)
 
(in thousands)
Balances as of September 30, 2017
54,398

 
$
544

 
$
348,532

 
$
347,885

 
$
(38,157
)
 
$
(2,449
)
 
$
656,355

Stock compensation

 

 
2,889

 

 

 

 
2,889

Release of restricted stock
66

 
1

 

 

 

 

 
1

Taxes paid related to net share settlement of equity awards

 

 
(311
)
 

 

 

 
(311
)
Foreign currency translation loss

 

 

 

 
(6,434
)
 
(40
)
 
(6,474
)
Net income (loss)

 

 

 
12,639

 

 
(615
)
 
12,024

Balances as of December 31, 2017
54,464

 
$
545

 
$
351,110

 
$
360,524

 
$
(44,591
)
 
$
(3,104
)
 
$
664,484

Stock compensation

 

 
2,588

 

 

 

 
2,588

Reclassification of stranded tax effects resulting from the Tax Cuts and Jobs Act

 

 

 
1,455

 
(1,455
)
 

 

Foreign currency translation gain

 

 

 

 
5,799

 
146

 
5,945

Net income (loss)

 

 

 
11,581

 

 
(374
)
 
11,207

Balances as of March 31, 2018
54,464

 
$
545

 
$
353,698

 
$
373,560

 
$
(40,247
)
 
$
(3,332
)
 
$
684,224

Stock compensation

 

 
2,673

 

 

 

 
2,673

Foreign currency translation (loss) gain

 

 

 

 
(7,465
)
 
1

 
(7,464
)
Equity portion of convertible notes

 

 
39,057

 

 

 

 
39,057

Net income (loss)

 

 

 
14,454

 

 
(359
)
 
14,095

Balances as of June 30, 2018
54,464

 
$
545

 
$
395,428

 
$
388,014

 
$
(47,712
)
 
$
(3,690
)
 
$
732,585


3

Table of Contents

 
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

Stock compensation

 

 
2,375

 

 

 

 
2,375

Foreign currency translation gain

 

 

 

 
2,024

 

 
2,024

Net income

 

 

 
3,158

 

 

 
3,158

Balances as of June 30, 2019
55,445

 
$
554

 
$
404,880

 
$
389,808

 
$
(47,926
)
 
$

 
$
747,316

See accompanying notes to unaudited interim condensed consolidated financial statements.

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Table of Contents

EZCORP, Inc.
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS
 
Nine Months Ended June 30,
 
2019
 
2018
 
 
 
 
 
(Unaudited)
 
(in thousands)
Operating activities:
 
 
 
Net income
$
1,956

 
$
37,326

Adjustments to reconcile net income to net cash flows from operating activities:
 
 
 
Depreciation and amortization
21,114

 
18,298

Amortization of debt discount and deferred financing costs
16,613

 
12,126

Accretion of notes receivable discount and deferred compensation fee
(3,788
)
 
(7,222
)
Deferred income taxes
5,003

 
3,135

Impairment of investment in unconsolidated affiliate
19,725

 

Other adjustments
1,875

 
1,948

Reserve on jewelry scrap receivable
3,646

 

Stock compensation expense
7,036

 
8,216

Income from investment in unconsolidated affiliates
(632
)
 
(3,477
)
Changes in operating assets and liabilities, net of business acquisitions:
 
 
 
Service charges and fees receivable
1,301

 
2,609

Inventory
1,377

 
988

Prepaid expenses, other current assets and other assets
(4,194
)
 
(3,356
)
Accounts payable, accrued expenses and other liabilities
(1,477
)
 
(4,624
)
Customer layaway deposits
949

 
935

Income taxes, net of excess tax benefit from stock compensation
(5,527
)
 
2,419

Net cash provided by operating activities
64,977

 
69,321

Investing activities:
 
 
 
Loans made
(542,512
)
 
(512,914
)
Loans repaid
328,079

 
318,636

Recovery of pawn loan principal through sale of forfeited collateral
211,979

 
202,078

Additions to property and equipment, net
(24,568
)
 
(33,917
)
Acquisitions, net of cash acquired
(8,116
)
 
(93,165
)
Investment in unconsolidated affiliate

 
(14,036
)
Principal collections on notes receivable
21,900

 
16,210

Net cash used in investing activities
(13,238
)
 
(117,108
)
Financing activities:
 
 
 
Taxes paid related to net share settlement of equity awards
(3,288
)
 
(311
)
Proceeds from borrowings, net of issuance costs
1,064

 
170,496

Payments on borrowings
(195,877
)
 
(28
)
Net cash (used in) provided by financing activities
(198,101
)
 
170,157

Effect of exchange rate changes on cash and cash equivalents and restricted cash
(294
)
 
(1,493
)
Net (decrease) increase in cash, cash equivalents and restricted cash
(146,656
)
 
120,877

Cash, cash equivalents and restricted cash at beginning of period
285,578

 
163,868

Cash, cash equivalents and restricted cash at end of period
$
138,922

 
$
284,745

 
 
 
 
Non-cash investing and financing activities:
 
 
 
Pawn loans forfeited and transferred to inventory
$
221,940

 
$
197,163


See accompanying notes to unaudited interim condensed consolidated financial statements.

5

Table of Contents

EZCORP, Inc.
Notes to Interim Condensed Consolidated Financial Statements (Unaudited)
June 30, 2019
NOTE 1: ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Description of Business
When used in this report, the terms “we,” “us,” “our,” “EZCORP” and the “Company” mean EZCORP, Inc. and its consolidated subsidiaries, collectively.
We are a leading provider of pawn loans in the United States and Latin America. Pawn loans are non-recourse loans collateralized by tangible property. We also sell merchandise, primarily collateral forfeited from pawn lending operations and used merchandise purchased from customers, and operate a small number of financial services stores in Canada.
Basis of Presentation
The accompanying unaudited interim condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all the information and footnotes required by generally accepted accounting principles for complete financial statements. Our management has included all adjustments it considers necessary for a fair presentation which are of a normal, recurring nature. All intercompany accounts and transactions have been eliminated in consolidation.
The accompanying financial statements should be read in conjunction with the consolidated financial statements and notes included in our Annual Report on Form 10-K for the year ended September 30, 2018 and as corrected below. The balance sheet as of September 30, 2018 has been derived from the audited financial statements at that date but does not include all of the information and footnotes required by GAAP for complete financial statements.
Our business is subject to seasonal variations, and operating results for the three and nine months ended June 30, 2019 and 2018 (the "current quarter" and "current year-to-date period" and "prior-year quarter" and "prior-year nine-months," respectively) are not necessarily indicative of the results of operations for the full fiscal year.
There have been no changes in significant accounting policies as described in our Annual Report on Form 10-K for the year ended September 30, 2018, other than those described below.
Use of Estimates and Assumptions
The preparation of these financial statements requires us to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues and expenses and related disclosure of contingent assets and liabilities. On an ongoing basis, we evaluate our estimates and judgments, including those related to revenue recognition, inventories, loan loss allowances, long-lived and intangible assets, share-based compensation, income taxes, contingencies and litigation. We base our estimates on historical experience, observable trends and various other assumptions that we believe are reasonable under the circumstances. We use this information to make judgments about the carrying values of assets and liabilities that are not readily apparent from other sources. Actual results may differ materially from these estimates under different assumptions or conditions.

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Table of Contents

Corrections to Prior Period Financial Statements
During the second quarter of fiscal 2019, we identified errors in our previously reported financial statements during the ordinary course of account reviews and subsequent investigation of related accounts. None of the identified errors was material to any previously reported period. These have now been corrected in all periods presented. The errors related primarily to the overstatement of historical balances of pawn service charges receivable resulting from errors in the configuration of information technology reports. These errors resulted in an overstatement of October 1, 2017 beginning retained earnings of $3.8 million. The impact of these corrections on the condensed consolidated financial statements is as follows (in thousands except per share amounts):
Condensed Consolidated Balance Sheets
 
June 30, 2018
 
As Previously Reported
 
Corrections
 
As Corrected
 
 
 
 
 
 
Cash and cash equivalents
$
285,031

 
$
(538
)
 
$
284,493

Pawn service charges receivable, net
33,388

 
(6,949
)
 
26,439

Prepaid expenses and other current assets
43,448

 
260

 
43,708

Goodwill
292,544

 
1,791

 
294,335

Deferred tax asset, net
616

 
1,245

 
1,861

Accounts payable, accrued expenses and other current liabilities
61,813

 
(218
)
 
61,595

Retained earnings
392,315

 
(4,301
)
 
388,014

Accumulated other comprehensive loss
(48,040
)
 
328

 
(47,712
)
Condensed Consolidated Statements of Operations
 
Three Months Ended June 30, 2018
 
As Previously Reported
 
Corrections
 
As Corrected
 
 
 
 
 
 
Pawn service charges
$
72,874

 
$
(330
)
 
$
72,544

Operations expense
83,032

 
(100
)
 
82,932

Income from continuing operations before income taxes
15,736

 
(230
)
 
15,506

Income tax expense
1,553

 
(51
)
 
1,502

Income from continuing operations, net of tax
14,183

 
(179
)
 
14,004

Basic earnings per share attributable to EZCORP, Inc. — continuing operations
$
0.27

 
$
(0.01
)
 
$
0.26

Diluted earnings per share attributable to EZCORP, Inc. — continuing operations
$
0.25

 
$

 
$
0.25

 
Nine Months Ended June 30, 2018
 
As Previously Reported
 
Corrections
 
As Corrected
 
 
 
 
 
 
Pawn service charges
$
223,601

 
$
(1,004
)
 
$
222,597

Operations expense
248,802

 
(44
)
 
248,758

Administrative expense
39,927

 
(239
)
 
39,688

Income from continuing operations before income taxes
53,388

 
(721
)
 
52,667

Income tax expense
14,911

 
(201
)
 
14,710

Income from continuing operations, net of tax
38,477

 
(520
)
 
37,957

Basic earnings per share attributable to EZCORP, Inc. — continuing operations
$
0.73

 
$
(0.01
)
 
$
0.72

Diluted earnings per share attributable to EZCORP, Inc. — continuing operations
$
0.70

 
$
(0.01
)
 
$
0.69


7

Table of Contents

Condensed Consolidated Statements of Cash Flows
 
Nine Months Ended June 30, 2018
 
As Previously Reported
 
Corrections
 
As Corrected
 
 
 
 
 
 
Net income
$
37,846

 
$
(520
)
 
$
37,326

Service charges and fees receivable
1,601

 
1,008

 
2,609

Accounts payable, accrued expenses and other liabilities
(4,245
)
 
(379
)