EZCORP INC-CL A (EZPW) Stock Fundamental Analysis
USA - NASDAQ:EZPW - US3023011063 - Common Stock
19.04 USD
-0.11 (-0.57%)
19.266 USD
+0.23 (+1.19%)
Taking everything into account, EZPW scores 6 out of 10 in our fundamental rating. EZPW was compared to 55 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 not valued too expensively and it also shows a decent growth rate.
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.
EZPW had positive earnings in 4 of the past 5 years.
EZPW had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 5.21%, EZPW is in the better half of the industry, outperforming 74.55% of the companies in the same industry.
EZPW has a Return On Equity (9.91%) which is comparable to the rest of the industry.
EZPW has a Return On Invested Capital of 5.95%. This is in the better half of the industry: EZPW outperforms 70.91% of its industry peers.
The Average Return On Invested Capital over the past 3 years for EZPW is significantly below the industry average of 11.02%.
The last Return On Invested Capital (5.95%) for EZPW is above the 3 year average (5.62%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.21% | ||
| ROE | 9.91% | ||
| ROIC | 5.95% |
ROA(3y)3.97%
ROA(5y)1.37%
ROE(3y)7.58%
ROE(5y)2.69%
ROIC(3y)5.62%
ROIC(5y)4.17%
1.3 Margins
EZPW has a Profit Margin (7.96%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of EZPW has grown nicely.
EZPW has a Operating Margin of 11.30%. This is comparable to the rest of the industry: EZPW outperforms 56.36% of its industry peers.
EZPW's Operating Margin has improved in the last couple of years.
EZPW has a Gross Margin (58.67%) which is comparable to the rest of the industry.
In the last couple of years the Gross Margin of EZPW has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.3% | ||
| PM (TTM) | 7.96% | ||
| GM | 58.67% |
OM growth 3Y30.14%
OM growth 5Y9.97%
PM growth 3Y82.4%
PM growth 5Y89.2%
GM growth 3Y-1.58%
GM growth 5Y0.13%
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.
The number of shares outstanding for EZPW has been reduced compared to 1 year ago.
EZPW has less shares outstanding than it did 5 years ago.
The debt/assets ratio for EZPW has been reduced compared to a year ago.
2.2 Solvency
EZPW has an Altman-Z score of 2.70. This is not the best score and indicates that EZPW is in the grey zone with still only limited risk for bankruptcy at the moment.
EZPW has a Altman-Z score of 2.70. This is amongst the best in the industry. EZPW outperforms 81.82% of its industry peers.
The Debt to FCF ratio of EZPW is 5.24, which is a neutral value as it means it would take EZPW, 5.24 years of fcf income to pay off all of its debts.
EZPW has a better Debt to FCF ratio (5.24) than 72.73% of its industry peers.
A Debt/Equity ratio of 0.52 indicates that EZPW is somewhat dependend on debt financing.
EZPW's Debt to Equity ratio of 0.52 is fine compared to the rest of the industry. EZPW outperforms 74.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 5.24 | ||
| Altman-Z | 2.7 |
ROIC/WACC0.58
WACC10.2%
2.3 Liquidity
A Current Ratio of 6.31 indicates that EZPW has no problem at all paying its short term obligations.
With an excellent Current ratio value of 6.31, EZPW belongs to the best of the industry, outperforming 89.09% of the companies in the same industry.
EZPW has a Quick Ratio of 5.00. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
EZPW has a better Quick ratio (5.00) than 87.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6.31 | ||
| Quick Ratio | 5 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 22.73% over the past year.
EZPW shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.66% yearly.
Looking at the last year, EZPW shows a quite strong growth in Revenue. The Revenue has grown by 8.30% in the last year.
The Revenue has been growing slightly by 6.52% on average over the past years.
EPS 1Y (TTM)22.73%
EPS 3Y43.8%
EPS 5Y4.66%
EPS Q2Q%43.48%
Revenue 1Y (TTM)8.3%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%10.5%
3.2 Future
Based on estimates for the next years, EZPW will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.97% on average per year.
The Revenue is expected to grow by 6.64% on average over the next years.
EPS Next Y23.48%
EPS Next 2Y13.46%
EPS Next 3Y12.74%
EPS Next 5Y11.97%
Revenue Next Year8.57%
Revenue Next 2Y7.52%
Revenue Next 3Y8.38%
Revenue Next 5Y6.64%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.10, EZPW is valued correctly.
60.00% of the companies in the same industry are cheaper than EZPW, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.76, EZPW is valued a bit cheaper.
A Price/Forward Earnings ratio of 13.09 indicates a correct valuation of EZPW.
EZPW's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.18. EZPW is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.1 | ||
| Fwd PE | 13.09 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of EZPW indicates a somewhat cheap valuation: EZPW is cheaper than 76.36% of the companies listed in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as EZPW.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.7 | ||
| EV/EBITDA | 7.07 |
4.3 Compensation for Growth
EZPW's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of EZPW may justify a higher PE ratio.
EZPW's earnings are expected to grow with 12.74% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.6
PEG (5Y)3.03
EPS Next 2Y13.46%
EPS Next 3Y12.74%
5. Dividend
5.1 Amount
EZPW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
19.04
-0.11 (-0.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners115.3%
Inst Owner Change6.23%
Ins Owners4.2%
Ins Owner Change-0.36%
Market Cap1.16B
Analysts80
Price Target21.22 (11.45%)
Short Float %16.64%
Short Ratio11.71
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)18.99%
Min EPS beat(2)7.53%
Max EPS beat(2)30.46%
EPS beat(4)3
Avg EPS beat(4)11.36%
Min EPS beat(4)-3.81%
Max EPS beat(4)30.46%
EPS beat(8)7
Avg EPS beat(8)12.56%
EPS beat(12)11
Avg EPS beat(12)18.63%
EPS beat(16)15
Avg EPS beat(16)60.82%
Revenue beat(2)1
Avg Revenue beat(2)-1.23%
Min Revenue beat(2)-3.23%
Max Revenue beat(2)0.78%
Revenue beat(4)2
Avg Revenue beat(4)-1.28%
Min Revenue beat(4)-3.23%
Max Revenue beat(4)0.78%
Revenue beat(8)2
Avg Revenue beat(8)-1.01%
Revenue beat(12)5
Avg Revenue beat(12)0.81%
Revenue beat(16)9
Avg Revenue beat(16)2.13%
PT rev (1m)0%
PT rev (3m)0.24%
EPS NQ rev (1m)-1.15%
EPS NQ rev (3m)-4.61%
EPS NY rev (1m)0.74%
EPS NY rev (3m)5.39%
Revenue NQ rev (1m)0.72%
Revenue NQ rev (3m)1.4%
Revenue NY rev (1m)0.23%
Revenue NY rev (3m)0.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.1 | ||
| Fwd PE | 13.09 | ||
| P/S | 0.94 | ||
| P/FCF | 11.7 | ||
| P/OCF | 8.22 | ||
| P/B | 1.17 | ||
| P/tB | 1.9 | ||
| EV/EBITDA | 7.07 |
EPS(TTM)1.35
EY7.09%
EPS(NY)1.45
Fwd EY7.64%
FCF(TTM)1.63
FCFY8.55%
OCF(TTM)2.32
OCFY12.17%
SpS20.23
BVpS16.26
TBVpS10.02
PEG (NY)0.6
PEG (5Y)3.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.21% | ||
| ROE | 9.91% | ||
| ROCE | 8.14% | ||
| ROIC | 5.95% | ||
| ROICexc | 8.22% | ||
| ROICexgc | 11.86% | ||
| OM | 11.3% | ||
| PM (TTM) | 7.96% | ||
| GM | 58.67% | ||
| FCFM | 8.05% |
ROA(3y)3.97%
ROA(5y)1.37%
ROE(3y)7.58%
ROE(5y)2.69%
ROIC(3y)5.62%
ROIC(5y)4.17%
ROICexc(3y)6.69%
ROICexc(5y)5.09%
ROICexgc(3y)10.21%
ROICexgc(5y)7.96%
ROCE(3y)7.68%
ROCE(5y)5.71%
ROICexcg growth 3Y37.52%
ROICexcg growth 5Y8.37%
ROICexc growth 3Y41.93%
ROICexc growth 5Y11.82%
OM growth 3Y30.14%
OM growth 5Y9.97%
PM growth 3Y82.4%
PM growth 5Y89.2%
GM growth 3Y-1.58%
GM growth 5Y0.13%
F-Score7
Asset Turnover0.65
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 5.24 | ||
| Debt/EBITDA | 3.02 | ||
| Cap/Depr | 129.12% | ||
| Cap/Sales | 3.4% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 82.17% | ||
| Profit Quality | 101.04% | ||
| Current Ratio | 6.31 | ||
| Quick Ratio | 5 | ||
| Altman-Z | 2.7 |
F-Score7
WACC10.2%
ROIC/WACC0.58
Cap/Depr(3y)111.13%
Cap/Depr(5y)100.56%
Cap/Sales(3y)3.51%
Cap/Sales(5y)3.45%
Profit Quality(3y)107.36%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)22.73%
EPS 3Y43.8%
EPS 5Y4.66%
EPS Q2Q%43.48%
EPS Next Y23.48%
EPS Next 2Y13.46%
EPS Next 3Y12.74%
EPS Next 5Y11.97%
Revenue 1Y (TTM)8.3%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%10.5%
Revenue Next Year8.57%
Revenue Next 2Y7.52%
Revenue Next 3Y8.38%
Revenue Next 5Y6.64%
EBIT growth 1Y32.85%
EBIT growth 3Y51.97%
EBIT growth 5Y17.14%
EBIT Next Year71.08%
EBIT Next 3Y28.04%
EBIT Next 5YN/A
FCF growth 1Y95.5%
FCF growth 3Y50.57%
FCF growth 5Y3.77%
OCF growth 1Y52.83%
OCF growth 3Y34.78%
OCF growth 5Y1.88%