24.87 USD
+0.13 (+0.53%)
At close: Feb 11, 2026
25.4055 USD
+0.54 (+2.15%)
After Hours: 2/11/2026, 4:30:02 PM
EZPW gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. EZPW has only an average score on both its financial health and profitability. EZPW is not overvalued while it is showing excellent growth. This is an interesting combination. With these ratings, EZPW could be worth investigating further for growth investing!.
1. Profitability
1.1 Basic Checks
- EZPW had positive earnings in the past year.
- In the past year EZPW had a positive cash flow from operations.
- Each year in the past 5 years EZPW has been profitable.
- 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 5.62%, EZPW is in the better half of the industry, outperforming 72.22% of the companies in the same industry.
- EZPW's Return On Equity of 10.69% is in line compared to the rest of the industry. EZPW outperforms 42.59% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 6.29%, EZPW is in the better half of the industry, outperforming 64.81% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for EZPW is significantly below the industry average of 12.42%.
- The 3 year average ROIC (6.16%) for EZPW is below the current ROIC(6.29%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.62% | ||
| ROE | 10.69% | ||
| ROIC | 6.29% |
ROA(3y)4.6%
ROA(5y)3.64%
ROE(3y)8.73%
ROE(5y)6.94%
ROIC(3y)6.16%
ROIC(5y)5.06%
1.3 Margins
- Looking at the Profit Margin, with a value of 8.60%, EZPW is doing worse than 61.11% of the companies in the same industry.
- EZPW's Profit Margin has improved in the last couple of years.
- EZPW has a Operating Margin (11.79%) which is in line with its industry peers.
- In the last couple of years the Operating Margin of EZPW has grown nicely.
- EZPW has a Gross Margin of 58.55%. This is comparable to the rest of the industry: EZPW outperforms 59.26% of its industry peers.
- EZPW's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.79% | ||
| PM (TTM) | 8.6% | ||
| GM | 58.55% |
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%
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
- Compared to 1 year ago, EZPW has a worse debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 2.91 indicates that EZPW is not a great score, but indicates only limited risk for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 2.91, EZPW belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
- The Debt to FCF ratio of EZPW is 4.70, which is a neutral value as it means it would take EZPW, 4.70 years of fcf income to pay off all of its debts.
- EZPW has a better Debt to FCF ratio (4.70) than 77.78% of its industry peers.
- EZPW has a Debt/Equity ratio of 0.51. This is a neutral value indicating EZPW is somewhat dependend on debt financing.
- EZPW has a better Debt to Equity ratio (0.51) than 74.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 4.7 | ||
| Altman-Z | 2.91 |
ROIC/WACC0.86
WACC7.31%
2.3 Liquidity
- A Current Ratio of 5.61 indicates that EZPW has no problem at all paying its short term obligations.
- EZPW has a Current ratio of 5.61. This is amongst the best in the industry. EZPW outperforms 90.74% of its industry peers.
- A Quick Ratio of 4.37 indicates that EZPW has no problem at all paying its short term obligations.
- EZPW has a better Quick ratio (4.37) than 90.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.61 | ||
| Quick Ratio | 4.37 |
3. Growth
3.1 Past
- EZPW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 31.09%, which is quite impressive.
- 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 9.70% in the last year.
- Measured over the past years, EZPW shows a quite strong growth in Revenue. The Revenue has been growing by 9.14% on average per year.
EPS 1Y (TTM)31.09%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.95%
Revenue 1Y (TTM)9.7%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%19.32%
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 15.16% on average per year.
- 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 Year11.79%
Revenue Next 2Y10.39%
Revenue Next 3Y9.35%
Revenue Next 5Y11.78%
3.3 Evolution
- Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 15.94, EZPW is valued correctly.
- Based on the Price/Earnings ratio, EZPW is valued a bit more expensive than 66.67% of the companies in the same industry.
- When comparing the Price/Earnings ratio of EZPW to the average of the S&P500 Index (28.03), we can say EZPW is valued slightly cheaper.
- With a Price/Forward Earnings ratio of 14.27, EZPW is valued correctly.
- EZPW's Price/Forward Earnings ratio is in line with the industry average.
- EZPW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.97, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.94 | ||
| Fwd PE | 14.27 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, EZPW is valued a bit cheaper than 75.93% of the companies in the same industry.
- 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 | 13.9 | ||
| EV/EBITDA | 8.63 |
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)3.24
PEG (5Y)0.54
EPS Next 2Y10.39%
EPS Next 3Y12.85%
5. Dividend
5.1 Amount
- EZPW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
24.87
+0.13 (+0.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-04 2026-02-04/amc
Earnings (Next)04-27 2026-04-27
Inst Owners114.86%
Inst Owner Change0.17%
Ins Owners5.23%
Ins Owner Change9.07%
Market Cap1.53B
Revenue(TTM)1.27B
Net Income(TTM)109.61M
Analysts80
Price Target25.84 (3.9%)
Short Float %25.04%
Short Ratio13.73
Dividend
| Industry Rank | Sector 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)21.86%
Min EPS beat(2)13.27%
Max EPS beat(2)30.46%
EPS beat(4)4
Avg EPS beat(4)15.63%
Min EPS beat(4)7.53%
Max EPS beat(4)30.46%
EPS beat(8)7
Avg EPS beat(8)11.89%
EPS beat(12)11
Avg EPS beat(12)17.86%
EPS beat(16)15
Avg EPS beat(16)32.94%
Revenue beat(2)2
Avg Revenue beat(2)1.27%
Min Revenue beat(2)0.78%
Max Revenue beat(2)1.76%
Revenue beat(4)2
Avg Revenue beat(4)-0.86%
Min Revenue beat(4)-3.23%
Max Revenue beat(4)1.76%
Revenue beat(8)3
Avg Revenue beat(8)-0.76%
Revenue beat(12)5
Avg Revenue beat(12)0.17%
Revenue beat(16)9
Avg Revenue beat(16)1.73%
PT rev (1m)6.29%
PT rev (3m)11.11%
EPS NQ rev (1m)0.66%
EPS NQ rev (3m)3.67%
EPS NY rev (1m)0.74%
EPS NY rev (3m)2.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.29%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)5.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.94 | ||
| Fwd PE | 14.27 | ||
| P/S | 1.2 | ||
| P/FCF | 13.9 | ||
| P/OCF | 10.3 | ||
| P/B | 1.5 | ||
| P/tB | 2.39 | ||
| EV/EBITDA | 8.63 |
EPS(TTM)1.56
EY6.27%
EPS(NY)1.74
Fwd EY7.01%
FCF(TTM)1.79
FCFY7.2%
OCF(TTM)2.41
OCFY9.71%
SpS20.65
BVpS16.62
TBVpS10.4
PEG (NY)3.24
PEG (5Y)0.54
Graham Number24.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.62% | ||
| ROE | 10.69% | ||
| ROCE | 8.58% | ||
| ROIC | 6.29% | ||
| ROICexc | 8.59% | ||
| ROICexgc | 12.26% | ||
| OM | 11.79% | ||
| PM (TTM) | 8.6% | ||
| GM | 58.55% | ||
| FCFM | 8.67% |
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 Turnover0.65
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 4.7 | ||
| Debt/EBITDA | 2.84 | ||
| Cap/Depr | 118.51% | ||
| Cap/Sales | 3.03% | ||
| Interest Coverage | 13.55 | ||
| Cash Conversion | 81.54% | ||
| Profit Quality | 100.74% | ||
| Current Ratio | 5.61 | ||
| Quick Ratio | 4.37 | ||
| Altman-Z | 2.91 |
F-Score6
WACC7.31%
ROIC/WACC0.86
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)9.7%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%19.32%
Revenue Next Year11.79%
Revenue Next 2Y10.39%
Revenue Next 3Y9.35%
Revenue Next 5Y11.78%
EBIT growth 1Y32.49%
EBIT growth 3Y25.16%
EBIT growth 5Y40.43%
EBIT Next Year40.71%
EBIT Next 3Y25.33%
EBIT Next 5YN/A
FCF growth 1Y41.87%
FCF growth 3Y47.23%
FCF growth 5Y39.91%
OCF growth 1Y31.15%
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 15.94 and the Price/Book (PB) ratio is 1.5.