Matthew Appel - EZCORP Director

EZPW Stock  USD 10.82  0.03  0.28%   

Director

Mr. Matthew W. Appel is Independent Director of the Company. Mr. Appel joined EZCORP as a director in January 2015 and is Chair of the Audit Committee, a member of the Compensation Committee and Chair of the Nominating Committee. Mr. Appel spent 37 years in finance, administration and operations roles with a variety of companies, most recently Zale Corporationrationration, an NYSE listed jewelry retailer, where he served as Chief Financial Officer from May 2009 to May 2011 and Chief Administrative Officer from May 2011 to July 2014 and coled the successful turnaround of the company. Prior to joining Zale, Mr. Appel was Chief Financial Officer of EXL Service Holdings, Inc., a NASDAQ listed business process solutions company spent four years at Electronic Data Systems Corporationrationration, serving as Vice President, Finance and Administration BPO and Vice President, BPO Management and held a variety of finance and operations roles from 1984 to 2003 at Tenneco Inc., Affiliated Computer Services, Inc. and PricewaterhouseCoopers. Mr. Appel began his professional career with Arthur Andersen Company, working there from 1977 to 1984. Mr. Appel received an MBA in Accounting from the Rutgers University Graduate School of Business in 1977 and a Business Administration degree from Rutgers College in 1976. Mr. Appel is a Certified Public Accountant and a Certified Management Accountant. since 2015.
Age 61
Tenure 9 years
Professional MarksMBA
Address Building One, Austin, TX, United States, 78746
Phone512 314 3400
Webhttps://www.ezcorp.com
Appel received an MBA in Accounting from the Rutgers University

EZCORP Management Efficiency

The company has return on total asset (ROA) of 0.0457 % which means that it generated a profit of $0.0457 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.0678 %, meaning that it created $0.0678 on every $100 dollars invested by stockholders. EZCORP's management efficiency ratios could be used to measure how well EZCORP manages its routine affairs as well as how well it operates its assets and liabilities. At this time, EZCORP's Return On Tangible Assets are fairly stable compared to the past year. Return On Capital Employed is likely to climb to 0.07 in 2024, whereas Return On Equity is likely to drop 0.03 in 2024. At this time, EZCORP's Total Assets are fairly stable compared to the past year. Non Current Assets Total is likely to climb to about 903.2 M in 2024, whereas Other Current Assets are likely to drop slightly above 4.5 M in 2024.
The company currently holds 610.48 M in liabilities with Debt to Equity (D/E) ratio of 0.79, which is about average as compared to similar companies. EZCORP Inc has a current ratio of 4.13, suggesting that it is liquid enough and is able to pay its financial obligations when due. Debt can assist EZCORP until it has trouble settling it off, either with new capital or with free cash flow. So, EZCORP's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like EZCORP Inc sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for EZCORP to invest in growth at high rates of return. When we think about EZCORP's use of debt, we should always consider it together with cash and equity.

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EZCORP, Inc. provides pawn services in the United States and Latin America. EZCORP, Inc. was incorporated in 1989 and is headquartered in Austin, Texas. Ezcorp operates under Credit Services classification in the United States and is traded on NASDAQ Exchange. It employs 7000 people. EZCORP Inc (EZPW) is traded on NASDAQ Exchange in USA. It is located in Building One, Austin, TX, United States, 78746 and employs 7,500 people. EZCORP is listed under Consumer Finance category by Fama And French industry classification.

Management Performance

EZCORP Inc Leadership Team

Elected by the shareholders, the EZCORP's board of directors comprises two types of representatives: EZCORP inside directors who are chosen from within the company, and outside directors, selected externally and held independent of EZCORP. The board's role is to monitor EZCORP's management team and ensure that shareholders' interests are well served. EZCORP's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, EZCORP's outside directors are responsible for providing unbiased perspectives on the board's policies.
Jodie Maccarrone, Chief Strategy Officer and Vice Chair of Grupo Finmart
Matthew Appel, Director
Robert Hicks, Chief Officer
Thomas Roberts, Director
Karyn Munsie, Chief Marketing Officer, Communications Officer
Nicole Swies, Chief Officer
Pablo Espinosa, Independent Director
Lachlan Given, Executive Chairman
Carl Spilker, Chief Risk Officer
Timothy Jugmans, Chief Officer
Rosa Zeegers, Independent Director
Ellen Bryant, Chief Secretary
Mark Ashby, CFO
Keith Robertson, Chief Officer
Eric Fosse, President U.S. Pawn
Mark DeBenedictus, Chief Customer Experience Officer
Lachlan BBus, Director CEO
Joseph Rotunda, Director and President of North America Pawn
Daniel Chism, CFO, Principal Financial Officer
Lisa VanRoekel, Chief Officer
Sunil CPA, Chief Executive
Fransisco Kuthy, General Manager,Empeño Fácil
David McGuire, Deputy CFO and Principal Accounting Officer
Scott Alomes, Chief Human Resource Officer
Kent Stone, Independent Director
William Wood, CIO and Sr. VP
Shelaghmichael Brown, Independent Director
John Powell, COO Pawn
Mitchell Fadel, President - U.S. Pawn
Thomas Welch, Sr. VP, General Counsel and Secretary
David Hurrell, CIO
Santiago Miranda, Director
Gary Tillett, Independent Director
Zena Arnold, Independent Director
Robert Webb, Independent Director
Peter Cumins, Director
Stuart Grimshaw, Executive Chairman of the Board
Jacob Wedin, Chief Business Development Officer
Jeff Christensen, IR Contact Officer
Fransisco Saenger, General Managerof Empeño Fácil
Jason Kulas, Independent Director

EZCORP Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is EZCORP a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards EZCORP in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, EZCORP's short interest history, or implied volatility extrapolated from EZCORP options trading.

Pair Trading with EZCORP

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if EZCORP position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in EZCORP will appreciate offsetting losses from the drop in the long position's value.

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The ability to find closely correlated positions to EZCORP could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace EZCORP when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back EZCORP - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling EZCORP Inc to buy it.
The correlation of EZCORP is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as EZCORP moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if EZCORP Inc moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for EZCORP can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching
When determining whether EZCORP Inc is a strong investment it is important to analyze EZCORP's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact EZCORP's future performance. For an informed investment choice regarding EZCORP Stock, refer to the following important reports:
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in EZCORP Inc. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in american community survey.
You can also try the Portfolio Anywhere module to track or share privately all of your investments from the convenience of any device.

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When running EZCORP's price analysis, check to measure EZCORP's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy EZCORP is operating at the current time. Most of EZCORP's value examination focuses on studying past and present price action to predict the probability of EZCORP's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move EZCORP's price. Additionally, you may evaluate how the addition of EZCORP to your portfolios can decrease your overall portfolio volatility.
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Is EZCORP's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of EZCORP. If investors know EZCORP will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about EZCORP listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.409
Earnings Share
0.8
Revenue Per Share
19.623
Quarterly Revenue Growth
0.135
Return On Assets
0.0457
The market value of EZCORP Inc is measured differently than its book value, which is the value of EZCORP that is recorded on the company's balance sheet. Investors also form their own opinion of EZCORP's value that differs from its market value or its book value, called intrinsic value, which is EZCORP's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because EZCORP's market value can be influenced by many factors that don't directly affect EZCORP's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between EZCORP's value and its price as these two are different measures arrived at by different means. Investors typically determine if EZCORP is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, EZCORP's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.