EZCORP INC-CL A (EZPW)
US3023011063 - Common Stock
EZPW gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 52 industry peers in the Consumer Finance industry. EZPW has an average financial health and profitability rating. 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.
In the past year EZPW had a positive cash flow from operations.
Of the past 5 years EZPW 4 years were profitable.
In the past 5 years EZPW always reported a positive cash flow from operatings.
1.2 Ratios
EZPW's Return On Assets of 5.20% is amongst the best of the industry. EZPW outperforms 82.69% of its industry peers.
Looking at the Return On Equity, with a value of 9.80%, EZPW is in line with its industry, outperforming 50.00% of the companies in the same industry.
With a decent Return On Invested Capital value of 5.74%, EZPW is doing good in the industry, outperforming 76.92% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for EZPW is below the industry average of 7.16%.
The last Return On Invested Capital (5.74%) for EZPW is above the 3 year average (4.13%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.2% | ||
| ROE | 9.8% | ||
| ROIC | 5.74% |
ROA(3y)2.34%
ROA(5y)0.31%
ROE(3y)4.56%
ROE(5y)0.7%
ROIC(3y)4.13%
ROIC(5y)3.63%
1.3 Margins
EZPW has a Profit Margin (7.06%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of EZPW has declined.
With a Operating Margin value of 9.28%, EZPW perfoms like the industry average, outperforming 51.92% of the companies in the same industry.
EZPW's Operating Margin has improved in the last couple of years.
The Gross Margin of EZPW (58.31%) is better than 63.46% of its industry peers.
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 | 9.28% | ||
| PM (TTM) | 7.06% | ||
| GM | 58.31% |
OM growth 3Y38.97%
OM growth 5Y1.51%
PM growth 3YN/A
PM growth 5Y-4.38%
GM growth 3Y2.11%
GM growth 5Y-0.4%
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 more shares outstanding than it did 5 years ago.
The debt/assets ratio for EZPW is higher compared to a year ago.
2.2 Solvency
EZPW has an Altman-Z score of 2.33. 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 (2.33) than 80.77% of its industry peers.
The Debt to FCF ratio of EZPW is 6.50, which is on the high side as it means it would take EZPW, 6.50 years of fcf income to pay off all of its debts.
EZPW has a Debt to FCF ratio (6.50) which is in line with its industry peers.
A Debt/Equity ratio of 0.41 indicates that EZPW is not too dependend on debt financing.
EZPW has a better Debt to Equity ratio (0.41) than 76.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.41 | ||
| Debt/FCF | 6.5 | ||
| Altman-Z | 2.33 |
ROIC/WACC0.88
WACC6.5%
2.3 Liquidity
A Current Ratio of 4.17 indicates that EZPW has no problem at all paying its short term obligations.
With an excellent Current ratio value of 4.17, EZPW belongs to the best of the industry, outperforming 84.62% of the companies in the same industry.
EZPW has a Quick Ratio of 3.23. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 3.23, EZPW is in the better half of the industry, outperforming 76.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.17 | ||
| Quick Ratio | 3.23 |
3. Growth
3.1 Past
EZPW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.49%, which is quite impressive.
The Earnings Per Share has been growing slightly by 2.28% on average over the past years.
Looking at the last year, EZPW shows a quite strong growth in Revenue. The Revenue has grown by 14.41% in the last year.
The Revenue has been growing slightly by 5.25% on average over the past years.
EPS 1Y (TTM)30.49%
EPS 3Y34.08%
EPS 5Y2.28%
EPS Q2Q%21.74%
Revenue 1Y (TTM)14.41%
Revenue growth 3Y8.43%
Revenue growth 5Y5.25%
Sales Q2Q%10.53%
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 9.94% on average per year.
Based on estimates for the next years, EZPW will show a small growth in Revenue. The Revenue will grow by 6.70% on average per year.
EPS Next Y16.65%
EPS Next 2Y10.24%
EPS Next 3Y7.35%
EPS Next 5Y9.94%
Revenue Next Year10.8%
Revenue Next 2Y8.68%
Revenue Next 3Y7.23%
Revenue Next 5Y6.7%
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 accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.64 indicates a reasonable valuation of EZPW.
Based on the Price/Earnings ratio, EZPW is valued a bit cheaper than 63.46% of the companies in the same industry.
EZPW is valuated cheaply when we compare the Price/Earnings ratio to 24.41, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.03, the valuation of EZPW can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as EZPW.
EZPW's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.64 | ||
| Fwd PE | 9.03 |
4.2 Price Multiples
82.69% 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 | 10.14 | ||
| EV/EBITDA | 5.16 |
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.
PEG (NY)0.58
PEG (5Y)4.24
EPS Next 2Y10.24%
EPS Next 3Y7.35%
5. Dividend
5.1 Amount
EZPW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EZCORP INC-CL A
NASDAQ:EZPW (7/26/2024, 7:28:00 PM)
After market: 10.38 +0.06 (+0.58%)10.32
-0.02 (-0.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap566.98M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
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Surprises & Revisions
EPS beat(2)
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EPS beat(8)
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EPS beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
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Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.64 | ||
| Fwd PE | 9.03 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.58
PEG (5Y)4.24
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.2% | ||
| ROE | 9.8% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 9.28% | ||
| PM (TTM) | 7.06% | ||
| GM | 58.31% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.74
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.41 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 4.17 | ||
| Quick Ratio | 3.23 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)30.49%
EPS 3Y34.08%
EPS 5Y
EPS Q2Q%
EPS Next Y16.65%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)14.41%
Revenue growth 3Y8.43%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y