EZCORP INC-CL A (EZPW) Stock Fundamental Analysis

NASDAQ:EZPW • US3023011063

25.93 USD
+0.5 (+1.97%)
At close: Feb 25, 2026
25.93 USD
0 (0%)
After Hours: 2/25/2026, 5:54:33 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Overall EZPW gets a fundamental rating of 6 out of 10. We evaluated EZPW against 54 industry peers in the Consumer Finance industry. EZPW is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. EZPW is growing strongly while it is still valued neutral. This is a good combination! These ratings could make EZPW a good candidate for growth investing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year EZPW was profitable.
  • In the past year EZPW had a positive cash flow from operations.
  • Each year in the past 5 years EZPW has been profitable.
  • In the past 5 years EZPW always reported a positive cash flow from operatings.
EZPW Yearly Net Income VS EBIT VS OCF VS FCFEZPW Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M 150M

1.2 Ratios

  • With a decent Return On Assets value of 6.18%, EZPW is doing good in the industry, outperforming 72.22% of the companies in the same industry.
  • The Return On Equity of EZPW (11.48%) is comparable to the rest of the industry.
  • EZPW has a better Return On Invested Capital (6.89%) than 64.81% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for EZPW is significantly below the industry average of 12.20%.
  • The last Return On Invested Capital (6.89%) for EZPW is above the 3 year average (6.16%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 6.18%
ROE 11.48%
ROIC 6.89%
ROA(3y)4.6%
ROA(5y)3.64%
ROE(3y)8.73%
ROE(5y)6.94%
ROIC(3y)6.16%
ROIC(5y)5.06%
EZPW Yearly ROA, ROE, ROICEZPW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 -10

1.3 Margins

  • EZPW has a worse Profit Margin (9.20%) than 61.11% of its industry peers.
  • In the last couple of years the Profit Margin of EZPW has grown nicely.
  • EZPW has a Operating Margin of 12.64%. This is comparable to the rest of the industry: EZPW outperforms 50.00% of its industry peers.
  • EZPW's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 58.65%, EZPW is in line with its industry, outperforming 57.41% of the companies in the same industry.
  • EZPW's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 12.64%
PM (TTM) 9.2%
GM 58.65%
OM growth 3Y10.89%
OM growth 5Y28.67%
PM growth 3Y14.94%
PM growth 5YN/A
GM growth 3Y-0.59%
GM growth 5Y1.41%
EZPW Yearly Profit, Operating, Gross MarginsEZPW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. Health

2.1 Basic Checks

  • EZPW has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, EZPW has more shares outstanding
  • Compared to 5 years ago, EZPW has more shares outstanding
  • The debt/assets ratio for EZPW is higher compared to a year ago.
EZPW Yearly Shares OutstandingEZPW Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
EZPW Yearly Total Debt VS Total AssetsEZPW Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • EZPW has an Altman-Z score of 3.02. This indicates that EZPW is financially healthy and has little risk of bankruptcy at the moment.
  • EZPW's Altman-Z score of 3.02 is amongst the best of the industry. EZPW outperforms 90.74% of its industry peers.
  • EZPW has a debt to FCF ratio of 4.27. This is a neutral value as EZPW would need 4.27 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 4.27, EZPW is in the better half of the industry, outperforming 75.93% of the companies in the same industry.
  • A Debt/Equity ratio of 0.48 indicates that EZPW is not too dependend on debt financing.
  • EZPW has a Debt to Equity ratio of 0.48. This is in the better half of the industry: EZPW outperforms 75.93% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 4.27
Altman-Z 3.02
ROIC/WACC0.95
WACC7.26%
EZPW Yearly LT Debt VS Equity VS FCFEZPW Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.3 Liquidity

  • EZPW has a Current Ratio of 6.03. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
  • The Current ratio of EZPW (6.03) is better than 90.74% of its industry peers.
  • EZPW has a Quick Ratio of 4.69. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
  • EZPW has a better Quick ratio (4.69) than 87.04% of its industry peers.
Industry RankSector Rank
Current Ratio 6.03
Quick Ratio 4.69
EZPW Yearly Current Assets VS Current LiabilitesEZPW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 31.09% over the past year.
  • EZPW shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 29.67% yearly.
  • Looking at the last year, EZPW shows a quite strong growth in Revenue. The Revenue has grown by 13.06% in the last year.
  • The Revenue has been growing by 9.14% on average over the past years. This is quite good.
EPS 1Y (TTM)31.09%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.95%
Revenue 1Y (TTM)13.06%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%19.32%

3.2 Future

  • EZPW is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.16% yearly.
  • EZPW is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.78% yearly.
EPS Next Y4.91%
EPS Next 2Y10.39%
EPS Next 3Y12.85%
EPS Next 5Y15.16%
Revenue Next Year22.64%
Revenue Next 2Y16.61%
Revenue Next 3Y13.76%
Revenue Next 5Y11.78%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
EZPW Yearly Revenue VS EstimatesEZPW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 500M 1B 1.5B 2B
EZPW Yearly EPS VS EstimatesEZPW Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 1 -1 2

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • EZPW is valuated correctly with a Price/Earnings ratio of 16.62.
  • Based on the Price/Earnings ratio, EZPW is valued a bit more expensive than the industry average as 66.67% of the companies are valued more cheaply.
  • When comparing the Price/Earnings ratio of EZPW to the average of the S&P500 Index (27.05), we can say EZPW is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 14.88, which indicates a correct valuation of EZPW.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of EZPW indicates a slightly more expensive valuation: EZPW is more expensive than 62.96% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.03, EZPW is valued a bit cheaper.
Industry RankSector Rank
PE 16.62
Fwd PE 14.88
EZPW Price Earnings VS Forward Price EarningsEZPW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, EZPW is valued a bit cheaper than the industry average as 72.22% of the companies are valued more expensively.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as EZPW.
Industry RankSector Rank
P/FCF 13.14
EV/EBITDA 8.04
EZPW Per share dataEZPW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates EZPW does not grow enough to justify the current Price/Earnings ratio.
  • EZPW has a very decent profitability rating, which may justify a higher PE ratio.
  • EZPW's earnings are expected to grow with 12.85% in the coming years. This may justify a more expensive valuation.
PEG (NY)3.38
PEG (5Y)0.56
EPS Next 2Y10.39%
EPS Next 3Y12.85%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for EZPW!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

EZCORP INC-CL A

NASDAQ:EZPW (2/25/2026, 5:54:33 PM)

After market: 25.93 0 (0%)

25.93

+0.5 (+1.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-04
Earnings (Next)04-27
Inst Owners114.86%
Inst Owner Change4.96%
Ins Owners5.23%
Ins Owner Change8.27%
Market Cap1.60B
Revenue(TTM)1.34B
Net Income(TTM)122.90M
Analysts80
Price Target25.84 (-0.35%)
Short Float %24.36%
Short Ratio11.92
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)22.12%
Min EPS beat(2)13.27%
Max EPS beat(2)30.97%
EPS beat(4)4
Avg EPS beat(4)20.55%
Min EPS beat(4)7.53%
Max EPS beat(4)30.97%
EPS beat(8)7
Avg EPS beat(8)12.78%
EPS beat(12)11
Avg EPS beat(12)18.38%
EPS beat(16)15
Avg EPS beat(16)33.83%
Revenue beat(2)2
Avg Revenue beat(2)3.04%
Min Revenue beat(2)1.76%
Max Revenue beat(2)4.31%
Revenue beat(4)3
Avg Revenue beat(4)0.91%
Min Revenue beat(4)-3.23%
Max Revenue beat(4)4.31%
Revenue beat(8)4
Avg Revenue beat(8)-0.14%
Revenue beat(12)5
Avg Revenue beat(12)0.05%
Revenue beat(16)9
Avg Revenue beat(16)1.49%
PT rev (1m)2.01%
PT rev (3m)7.04%
EPS NQ rev (1m)13.79%
EPS NQ rev (3m)12.28%
EPS NY rev (1m)0%
EPS NY rev (3m)2.3%
Revenue NQ rev (1m)12.52%
Revenue NQ rev (3m)15.03%
Revenue NY rev (1m)9.71%
Revenue NY rev (3m)15.26%
Valuation
Industry RankSector Rank
PE 16.62
Fwd PE 14.88
P/S 1.2
P/FCF 13.14
P/OCF 9.87
P/B 1.49
P/tB 2.35
EV/EBITDA 8.04
EPS(TTM)1.56
EY6.02%
EPS(NY)1.74
Fwd EY6.72%
FCF(TTM)1.97
FCFY7.61%
OCF(TTM)2.63
OCFY10.13%
SpS21.66
BVpS17.35
TBVpS11.02
PEG (NY)3.38
PEG (5Y)0.56
Graham Number24.68
Profitability
Industry RankSector Rank
ROA 6.18%
ROE 11.48%
ROCE 9.4%
ROIC 6.89%
ROICexc 9.3%
ROICexgc 13.16%
OM 12.64%
PM (TTM) 9.2%
GM 58.65%
FCFM 9.11%
ROA(3y)4.6%
ROA(5y)3.64%
ROE(3y)8.73%
ROE(5y)6.94%
ROIC(3y)6.16%
ROIC(5y)5.06%
ROICexc(3y)7.67%
ROICexc(5y)6.29%
ROICexgc(3y)11.42%
ROICexgc(5y)9.52%
ROCE(3y)8.41%
ROCE(5y)6.91%
ROICexgc growth 3Y12.14%
ROICexgc growth 5Y21.98%
ROICexc growth 3Y14.81%
ROICexc growth 5Y26.5%
OM growth 3Y10.89%
OM growth 5Y28.67%
PM growth 3Y14.94%
PM growth 5YN/A
GM growth 3Y-0.59%
GM growth 5Y1.41%
F-Score6
Asset Turnover0.67
Health
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 4.27
Debt/EBITDA 2.57
Cap/Depr 122.6%
Cap/Sales 3.02%
Interest Coverage 250
Cash Conversion 80.31%
Profit Quality 99.05%
Current Ratio 6.03
Quick Ratio 4.69
Altman-Z 3.02
F-Score6
WACC7.26%
ROIC/WACC0.95
Cap/Depr(3y)117.51%
Cap/Depr(5y)105.75%
Cap/Sales(3y)3.32%
Cap/Sales(5y)3.36%
Profit Quality(3y)117.96%
Profit Quality(5y)137.59%
High Growth Momentum
Growth
EPS 1Y (TTM)31.09%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.95%
EPS Next Y4.91%
EPS Next 2Y10.39%
EPS Next 3Y12.85%
EPS Next 5Y15.16%
Revenue 1Y (TTM)13.06%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%19.32%
Revenue Next Year22.64%
Revenue Next 2Y16.61%
Revenue Next 3Y13.76%
Revenue Next 5Y11.78%
EBIT growth 1Y42.68%
EBIT growth 3Y25.16%
EBIT growth 5Y40.43%
EBIT Next Year40.71%
EBIT Next 3Y25.33%
EBIT Next 5YN/A
FCF growth 1Y70.98%
FCF growth 3Y47.23%
FCF growth 5Y39.91%
OCF growth 1Y45.31%
OCF growth 3Y30.85%
OCF growth 5Y24.86%

EZCORP INC-CL A / EZPW FAQ

What is the fundamental rating for EZPW stock?

ChartMill assigns a fundamental rating of 6 / 10 to EZPW.


What is the valuation status for EZPW stock?

ChartMill assigns a valuation rating of 4 / 10 to EZCORP INC-CL A (EZPW). This can be considered as Fairly Valued.


How profitable is EZCORP INC-CL A (EZPW) stock?

EZCORP INC-CL A (EZPW) has a profitability rating of 6 / 10.


Can you provide the PE and PB ratios for EZPW stock?

The Price/Earnings (PE) ratio for EZCORP INC-CL A (EZPW) is 16.62 and the Price/Book (PB) ratio is 1.49.