EZCORP INC-CL A (EZPW) Stock Fundamental Analysis
NASDAQ:EZPW - Nasdaq - US3023011063 - Common Stock - Currency: USD
We assign a fundamental rating of 6 out of 10 to EZPW. EZPW was compared to 53 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 decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year EZPW was profitable.
EZPW had a positive operating cash flow in the past year.
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
EZPW has a Return On Assets of 5.71%. This is in the better half of the industry: EZPW outperforms 79.25% of its industry peers.
Looking at the Return On Equity, with a value of 10.39%, EZPW is in line with its industry, outperforming 49.06% of the companies in the same industry.
With a decent Return On Invested Capital value of 6.96%, EZPW is doing good in the industry, outperforming 71.70% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for EZPW is below the industry average of 8.54%.
The 3 year average ROIC (5.62%) for EZPW is below the current ROIC(6.96%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.71% | ||
| ROE | 10.39% | ||
| ROIC | 6.96% |
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
The Profit Margin of EZPW (7.25%) is comparable to the rest of the industry.
EZPW's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 10.02%, EZPW is in line with its industry, outperforming 52.83% of the companies in the same industry.
In the last couple of years the Operating Margin of EZPW has grown nicely.
With a decent Gross Margin value of 58.82%, EZPW is doing good in the industry, outperforming 64.15% of the companies in the same 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 | 10.02% | ||
| PM (TTM) | 7.25% | ||
| GM | 58.82% |
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%
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.
EZPW has less shares outstanding than it did 1 year ago.
EZPW has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, EZPW has an improved debt to assets ratio.
2.2 Solvency
EZPW has an Altman-Z score of 2.67. 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 better Altman-Z score (2.67) than 81.13% of its industry peers.
EZPW has a debt to FCF ratio of 3.92. This is a good value and a sign of high solvency as EZPW would need 3.92 years to pay back of all of its debts.
EZPW's Debt to FCF ratio of 3.92 is fine compared to the rest of the industry. EZPW outperforms 67.92% of its industry peers.
EZPW has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
EZPW's Debt to Equity ratio of 0.27 is amongst the best of the industry. EZPW outperforms 81.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 3.92 | ||
| Altman-Z | 2.67 |
ROIC/WACC0.96
WACC7.24%
2.3 Liquidity
A Current Ratio of 2.91 indicates that EZPW has no problem at all paying its short term obligations.
The Current ratio of EZPW (2.91) is better than 77.36% of its industry peers.
A Quick Ratio of 2.13 indicates that EZPW has no problem at all paying its short term obligations.
EZPW's Quick ratio of 2.13 is fine compared to the rest of the industry. EZPW outperforms 71.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.91 | ||
| Quick Ratio | 2.13 |
3. Growth
3.1 Past
EZPW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.67%, 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.
EZPW shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.95%.
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)16.67%
EPS 3Y43.8%
EPS 5Y4.66%
EPS Q2Q%16.67%
Revenue 1Y (TTM)8.95%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%6.73%
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 11.04% yearly.
EZPW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.12% yearly.
EPS Next Y18.55%
EPS Next 2Y13.35%
EPS Next 3Y12.32%
EPS Next 5Y11.04%
Revenue Next Year7.8%
Revenue Next 2Y7.44%
Revenue Next 3Y6.42%
Revenue Next 5Y6.12%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.61, which indicates a correct valuation of EZPW.
The rest of the industry has a similar Price/Earnings ratio as EZPW.
EZPW's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.81.
EZPW is valuated reasonably with a Price/Forward Earnings ratio of 10.33.
Based on the Price/Forward Earnings ratio, EZPW is valued a bit cheaper than the industry average as 60.38% of the companies are valued more expensively.
EZPW's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.91.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.61 | ||
| Fwd PE | 10.33 |
4.2 Price Multiples
81.13% of the companies in the same industry are more expensive than EZPW, based on the Enterprise Value to EBITDA ratio.
EZPW's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.82 | ||
| EV/EBITDA | 6.47 |
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.
EZPW has a very decent profitability rating, which may justify a higher PE ratio.
EZPW's earnings are expected to grow with 12.32% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.68
PEG (5Y)2.71
EPS Next 2Y13.35%
EPS Next 3Y12.32%
5. Dividend
5.1 Amount
EZPW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
15
+0.01 (+0.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners121.27%
Inst Owner Change4.66%
Ins Owners4.77%
Ins Owner Change5.04%
Market Cap824.10M
Analysts82.22
Price Target17.34 (15.6%)
Short Float %18.79%
Short Ratio16.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.74%
Min EPS beat(2)-3.81%
Max EPS beat(2)11.29%
EPS beat(4)3
Avg EPS beat(4)5%
Min EPS beat(4)-3.81%
Max EPS beat(4)11.29%
EPS beat(8)7
Avg EPS beat(8)17.29%
EPS beat(12)11
Avg EPS beat(12)38.26%
EPS beat(16)14
Avg EPS beat(16)69.38%
Revenue beat(2)1
Avg Revenue beat(2)-1.33%
Min Revenue beat(2)-2.77%
Max Revenue beat(2)0.1%
Revenue beat(4)1
Avg Revenue beat(4)-1.18%
Min Revenue beat(4)-2.77%
Max Revenue beat(4)0.1%
Revenue beat(8)2
Avg Revenue beat(8)-0.38%
Revenue beat(12)6
Avg Revenue beat(12)1.68%
Revenue beat(16)10
Avg Revenue beat(16)2.6%
PT rev (1m)0%
PT rev (3m)7.37%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.4%
EPS NY rev (1m)0%
EPS NY rev (3m)10.36%
Revenue NQ rev (1m)16.04%
Revenue NQ rev (3m)1.4%
Revenue NY rev (1m)7.35%
Revenue NY rev (3m)-0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.61 | ||
| Fwd PE | 10.33 | ||
| P/S | 0.7 | ||
| P/FCF | 9.82 | ||
| P/OCF | 6.98 | ||
| P/B | 1 | ||
| P/tB | 1.78 | ||
| EV/EBITDA | 6.47 |
EPS(TTM)1.19
EY7.93%
EPS(NY)1.45
Fwd EY9.68%
FCF(TTM)1.53
FCFY10.18%
OCF(TTM)2.15
OCFY14.33%
SpS21.51
BVpS15
TBVpS8.41
PEG (NY)0.68
PEG (5Y)2.71
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.71% | ||
| ROE | 10.39% | ||
| ROCE | 9.51% | ||
| ROIC | 6.96% | ||
| ROICexc | 8.09% | ||
| ROICexgc | 12.22% | ||
| OM | 10.02% | ||
| PM (TTM) | 7.25% | ||
| GM | 58.82% | ||
| FCFM | 7.1% |
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-Score8
Asset Turnover0.79
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 3.92 | ||
| Debt/EBITDA | 1.49 | ||
| Cap/Depr | 104.11% | ||
| Cap/Sales | 2.89% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 78.1% | ||
| Profit Quality | 97.99% | ||
| Current Ratio | 2.91 | ||
| Quick Ratio | 2.13 | ||
| Altman-Z | 2.67 |
F-Score8
WACC7.24%
ROIC/WACC0.96
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)16.67%
EPS 3Y43.8%
EPS 5Y4.66%
EPS Q2Q%16.67%
EPS Next Y18.55%
EPS Next 2Y13.35%
EPS Next 3Y12.32%
EPS Next 5Y11.04%
Revenue 1Y (TTM)8.95%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%6.73%
Revenue Next Year7.8%
Revenue Next 2Y7.44%
Revenue Next 3Y6.42%
Revenue Next 5Y6.12%
EBIT growth 1Y15.27%
EBIT growth 3Y51.97%
EBIT growth 5Y17.14%
EBIT Next Year43.02%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y139.09%
FCF growth 3Y50.57%
FCF growth 5Y3.77%
OCF growth 1Y70.68%
OCF growth 3Y34.78%
OCF growth 5Y1.88%