EZCORP INC-CL A (EZPW) Stock Fundamental Analysis
NASDAQ:EZPW - Nasdaq - US3023011063 - Common Stock - Currency: USD
Taking everything into account, EZPW scores 6 out of 10 in our fundamental rating. EZPW was compared to 52 industry peers in the Consumer Finance industry. While EZPW has a great health rating, its profitability is only average at the moment. EZPW has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
EZPW had positive earnings in the past year.
EZPW had a positive operating cash flow in the past year.
Of the past 5 years EZPW 4 years were profitable.
Each year in the past 5 years EZPW had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.89%, EZPW is in the better half of the industry, outperforming 76.92% of the companies in the same industry.
Looking at the Return On Equity, with a value of 10.52%, EZPW is in line with its industry, outperforming 57.69% of the companies in the same industry.
The Return On Invested Capital of EZPW (5.86%) is better than 69.23% of its industry peers.
The Average Return On Invested Capital over the past 3 years for EZPW is below the industry average of 10.31%.
The last Return On Invested Capital (5.86%) for EZPW is above the 3 year average (5.62%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.89% | ||
| ROE | 10.52% | ||
| ROIC | 5.86% |
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 (7.45%) which is comparable to the rest of the industry.
EZPW's Profit Margin has improved in the last couple of years.
EZPW has a Operating Margin (10.43%) which is in line with its industry peers.
EZPW's Operating Margin has improved in the last couple of years.
EZPW has a Gross Margin (58.71%) which is in line with its industry peers.
EZPW's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.43% | ||
| PM (TTM) | 7.45% | ||
| GM | 58.71% |
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.
The number of shares outstanding for EZPW has been reduced compared to 5 years ago.
The debt/assets ratio for EZPW has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.30 indicates that EZPW is not a great score, but indicates only limited risk for bankruptcy at the moment.
EZPW has a Altman-Z score of 2.30. This is in the better half of the industry: EZPW outperforms 73.08% of its industry peers.
The Debt to FCF ratio of EZPW is 5.99, which is a neutral value as it means it would take EZPW, 5.99 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 5.99, EZPW is in line with its industry, outperforming 57.69% of the companies in the same industry.
EZPW has a Debt/Equity ratio of 0.61. This is a neutral value indicating EZPW is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.61, EZPW is doing good in the industry, outperforming 71.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 5.99 | ||
| Altman-Z | 2.3 |
ROIC/WACC0.78
WACC7.48%
2.3 Liquidity
A Current Ratio of 4.04 indicates that EZPW has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 4.04, EZPW belongs to the top of the industry, outperforming 84.62% of the companies in the same industry.
A Quick Ratio of 3.25 indicates that EZPW has no problem at all paying its short term obligations.
EZPW has a better Quick ratio (3.25) than 84.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.04 | ||
| Quick Ratio | 3.25 |
3. Growth
3.1 Past
EZPW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.82%, which is quite good.
Measured over the past 5 years, EZPW shows a small growth in Earnings Per Share. The EPS has been growing by 4.66% on average per year.
Looking at the last year, EZPW shows a quite strong growth in Revenue. The Revenue has grown by 8.14% in the last year.
Measured over the past years, EZPW shows a small growth in Revenue. The Revenue has been growing by 6.52% on average per year.
EPS 1Y (TTM)16.82%
EPS 3Y43.8%
EPS 5Y4.66%
EPS Q2Q%21.43%
Revenue 1Y (TTM)8.14%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%7.24%
3.2 Future
The Earnings Per Share is expected to grow by 12.31% on average over the next years. This is quite good.
The Revenue is expected to grow by 6.48% on average over the next years.
EPS Next Y17.16%
EPS Next 2Y11.61%
EPS Next 3Y13.5%
EPS Next 5Y12.31%
Revenue Next Year7.63%
Revenue Next 2Y7.01%
Revenue Next 3Y7.56%
Revenue Next 5Y6.48%
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 10.90, the valuation of EZPW can be described as very reasonable.
EZPW's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of EZPW to the average of the S&P500 Index (26.92), we can say EZPW is valued rather cheaply.
The Price/Forward Earnings ratio is 9.68, which indicates a very decent valuation of EZPW.
EZPW's Price/Forward Earnings ratio is in line with the industry average.
EZPW's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.49.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.9 | ||
| Fwd PE | 9.68 |
4.2 Price Multiples
76.92% of the companies in the same industry are more expensive than EZPW, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of EZPW is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.21 | ||
| EV/EBITDA | 5.48 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
EZPW has a very decent profitability rating, which may justify a higher PE ratio.
EZPW's earnings are expected to grow with 13.50% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.63
PEG (5Y)2.34
EPS Next 2Y11.61%
EPS Next 3Y13.5%
5. Dividend
5.1 Amount
EZPW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
13.62
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners121.62%
Inst Owner Change1.56%
Ins Owners4.86%
Ins Owner Change0.96%
Market Cap749.24M
Analysts82
Price Target21.17 (55.43%)
Short Float %18.11%
Short Ratio6.04
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)9.41%
Min EPS beat(2)7.53%
Max EPS beat(2)11.29%
EPS beat(4)3
Avg EPS beat(4)4.97%
Min EPS beat(4)-3.81%
Max EPS beat(4)11.29%
EPS beat(8)7
Avg EPS beat(8)12.35%
EPS beat(12)11
Avg EPS beat(12)33.91%
EPS beat(16)14
Avg EPS beat(16)57.82%
Revenue beat(2)0
Avg Revenue beat(2)-3%
Min Revenue beat(2)-3.23%
Max Revenue beat(2)-2.77%
Revenue beat(4)1
Avg Revenue beat(4)-1.8%
Min Revenue beat(4)-3.23%
Max Revenue beat(4)0.1%
Revenue beat(8)1
Avg Revenue beat(8)-1.11%
Revenue beat(12)5
Avg Revenue beat(12)1.37%
Revenue beat(16)9
Avg Revenue beat(16)2.11%
PT rev (1m)0%
PT rev (3m)23.88%
EPS NQ rev (1m)1.89%
EPS NQ rev (3m)-12.4%
EPS NY rev (1m)3.02%
EPS NY rev (3m)-1.1%
Revenue NQ rev (1m)0.23%
Revenue NQ rev (3m)0.32%
Revenue NY rev (1m)-0.39%
Revenue NY rev (3m)-0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.9 | ||
| Fwd PE | 9.68 | ||
| P/S | 0.62 | ||
| P/FCF | 7.21 | ||
| P/OCF | 5.35 | ||
| P/B | 0.88 | ||
| P/tB | 1.53 | ||
| EV/EBITDA | 5.48 |
EPS(TTM)1.25
EY9.18%
EPS(NY)1.41
Fwd EY10.33%
FCF(TTM)1.89
FCFY13.87%
OCF(TTM)2.54
OCFY18.68%
SpS21.86
BVpS15.48
TBVpS8.89
PEG (NY)0.63
PEG (5Y)2.34
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.89% | ||
| ROE | 10.52% | ||
| ROCE | 8.01% | ||
| ROIC | 5.86% | ||
| ROICexc | 8.65% | ||
| ROICexgc | 13.14% | ||
| OM | 10.43% | ||
| PM (TTM) | 7.45% | ||
| GM | 58.71% | ||
| FCFM | 8.64% |
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-Score5
Asset Turnover0.66
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 5.99 | ||
| Debt/EBITDA | 3.28 | ||
| Cap/Depr | 110.53% | ||
| Cap/Sales | 3% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 88.59% | ||
| Profit Quality | 116.03% | ||
| Current Ratio | 4.04 | ||
| Quick Ratio | 3.25 | ||
| Altman-Z | 2.3 |
F-Score5
WACC7.48%
ROIC/WACC0.78
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)16.82%
EPS 3Y43.8%
EPS 5Y4.66%
EPS Q2Q%21.43%
EPS Next Y17.16%
EPS Next 2Y11.61%
EPS Next 3Y13.5%
EPS Next 5Y12.31%
Revenue 1Y (TTM)8.14%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%7.24%
Revenue Next Year7.63%
Revenue Next 2Y7.01%
Revenue Next 3Y7.56%
Revenue Next 5Y6.48%
EBIT growth 1Y21.48%
EBIT growth 3Y51.97%
EBIT growth 5Y17.14%
EBIT Next Year62.08%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y142.2%
FCF growth 3Y50.57%
FCF growth 5Y3.77%
OCF growth 1Y69.26%
OCF growth 3Y34.78%
OCF growth 5Y1.88%