17.84 USD
+0.23 (+1.31%)
17.84 USD
0 (0%)
Taking everything into account, EZPW scores 5 out of 10 in our fundamental rating. EZPW was compared to 55 industry peers in the Consumer Finance industry. EZPW has an excellent financial health rating, but there are some minor concerns on its profitability. 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.
Of the past 5 years EZPW 4 years had a positive operating cash flow.
1.2 Ratios
EZPW has a better Return On Assets (5.21%) than 72.73% of its industry peers.
Looking at the Return On Equity, with a value of 9.91%, EZPW is in line with its industry, outperforming 45.45% of the companies in the same industry.
With a decent Return On Invested Capital value of 5.95%, EZPW is doing good in the industry, outperforming 67.27% of the companies in the same industry.
EZPW had an Average Return On Invested Capital over the past 3 years of 5.62%. This is significantly below the industry average of 11.33%.
The 3 year average ROIC (5.62%) for EZPW is below the current ROIC(5.95%), indicating increased profibility in the last year.
| 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
Looking at the Profit Margin, with a value of 7.96%, EZPW is in line with its industry, outperforming 43.64% of the companies in the same industry.
In the last couple of years the Profit Margin of EZPW has grown nicely.
The Operating Margin of EZPW (11.30%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of EZPW has grown nicely.
Looking at the Gross Margin, with a value of 58.67%, EZPW is in line with its industry, outperforming 58.18% of the companies in the same industry.
EZPW's Gross Margin has been stable in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EZPW is destroying value.
There is no outstanding debt for EZPW. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
An Altman-Z score of 2.65 indicates that EZPW is not a great score, but indicates only limited risk for bankruptcy at the moment.
With an excellent Altman-Z score value of 2.65, EZPW belongs to the best of the industry, outperforming 83.64% of the companies in the same industry.
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.
With a decent Debt to FCF ratio value of 5.24, EZPW is doing good in the industry, outperforming 76.36% of the companies in the same industry.
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 70.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 5.24 | ||
| Altman-Z | 2.65 |
ROIC/WACC0.63
WACC9.49%
2.3 Liquidity
EZPW has a Current Ratio of 6.31. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
EZPW's Current ratio of 6.31 is amongst the best of the industry. EZPW outperforms 89.09% of its industry peers.
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 26.55% 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.
EPS 1Y (TTM)26.55%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.77%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%14.35%
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 10.10% on average per year.
The Revenue is expected to grow by 6.40% on average over the next years.
EPS Next Y2.56%
EPS Next 2Y7.2%
EPS Next 3Y10.27%
EPS Next 5Y10.1%
Revenue Next Year6.57%
Revenue Next 2Y8.33%
Revenue Next 3Y6.68%
Revenue Next 5Y6.4%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.48 indicates a correct valuation of EZPW.
EZPW's Price/Earnings ratio is a bit more expensive when compared to the industry. EZPW is more expensive than 60.00% of the companies in the same industry.
EZPW is valuated cheaply when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 12.16 indicates a correct valuation of EZPW.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EZPW is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.42, EZPW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.48 | ||
| Fwd PE | 12.16 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, EZPW is valued a bit cheaper than 76.36% 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 | 10.96 | ||
| EV/EBITDA | 6.6 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The decent profitability rating of EZPW may justify a higher PE ratio.
PEG (NY)4.88
PEG (5Y)0.42
EPS Next 2Y7.2%
EPS Next 3Y10.27%
5. Dividend
5.1 Amount
EZPW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
17.84
+0.23 (+1.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners115.3%
Inst Owner Change-0.68%
Ins Owners4.2%
Ins Owner Change8.27%
Market Cap1.09B
Revenue(TTM)N/A
Net Income(TTM)98.11M
Analysts80
Price Target24.14 (35.31%)
Short Float %20.33%
Short Ratio13.66
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)13.78%
PT rev (3m)13.78%
EPS NQ rev (1m)2.07%
EPS NQ rev (3m)1.65%
EPS NY rev (1m)0%
EPS NY rev (3m)0.74%
Revenue NQ rev (1m)0.2%
Revenue NQ rev (3m)2.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.48 | ||
| Fwd PE | 12.16 | ||
| P/S | 0.88 | ||
| P/FCF | 10.96 | ||
| P/OCF | 7.7 | ||
| P/B | 1.1 | ||
| P/tB | 1.78 | ||
| EV/EBITDA | 6.6 |
EPS(TTM)1.43
EY8.02%
EPS(NY)1.47
Fwd EY8.22%
FCF(TTM)1.63
FCFY9.12%
OCF(TTM)2.32
OCFY12.98%
SpS20.23
BVpS16.26
TBVpS10.02
PEG (NY)4.88
PEG (5Y)0.42
Graham Number22.87
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%
ROICexgc growth 3Y37.52%
ROICexgc 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 | 2.65 |
F-Score7
WACC9.49%
ROIC/WACC0.63
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)26.55%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.77%
EPS Next Y2.56%
EPS Next 2Y7.2%
EPS Next 3Y10.27%
EPS Next 5Y10.1%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%14.35%
Revenue Next Year6.57%
Revenue Next 2Y8.33%
Revenue Next 3Y6.68%
Revenue Next 5Y6.4%
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%
EZCORP INC-CL A / EZPW FAQ
What is the fundamental rating for EZPW stock?
ChartMill assigns a fundamental rating of 5 / 10 to EZPW.
Can you provide the valuation status for EZCORP INC-CL A?
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.
What is the financial health of EZCORP INC-CL A (EZPW) stock?
The financial health rating of EZCORP INC-CL A (EZPW) is 7 / 10.
Can you provide the expected EPS growth for EZPW stock?
The Earnings per Share (EPS) of EZCORP INC-CL A (EZPW) is expected to grow by 2.56% in the next year.