EZCORP INC-CL A (EZPW) Stock Fundamental Analysis
NASDAQ:EZPW - Nasdaq - US3023011063 - Common Stock - Currency: USD
EZPW gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. While EZPW has a great health rating, its profitability is only average at the moment. EZPW is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year EZPW was profitable.
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
EZPW has a better Return On Assets (4.89%) than 77.36% of its industry peers.
With a Return On Equity value of 10.52%, EZPW perfoms like the industry average, outperforming 58.49% of the companies in the same industry.
With a decent Return On Invested Capital value of 5.86%, EZPW is doing good in the industry, outperforming 69.81% 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 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
With a Profit Margin value of 7.45%, EZPW perfoms like the industry average, outperforming 41.51% of the companies in the same industry.
EZPW's Profit Margin has improved in the last couple of years.
EZPW has a Operating Margin (10.43%) which is comparable to the rest of the industry.
EZPW's Operating Margin has improved in the last couple of years.
EZPW's Gross Margin of 58.71% is fine compared to the rest of the industry. EZPW outperforms 60.38% 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 | 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.
EZPW has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.32 indicates that EZPW is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of EZPW (2.32) is better than 73.58% of its industry peers.
EZPW has a debt to FCF ratio of 5.99. This is a neutral value as EZPW would need 5.99 years to pay back of all of its debts.
EZPW has a Debt to FCF ratio (5.99) which is in line with its industry peers.
EZPW has a Debt/Equity ratio of 0.61. This is a neutral value indicating EZPW is somewhat dependend on debt financing.
EZPW has a Debt to Equity ratio of 0.61. This is in the better half of the industry: EZPW outperforms 71.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 5.99 | ||
| Altman-Z | 2.32 |
ROIC/WACC0.75
WACC7.86%
2.3 Liquidity
EZPW has a Current Ratio of 4.04. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
EZPW's Current ratio of 4.04 is amongst the best of the industry. EZPW outperforms 84.91% of its industry peers.
EZPW has a Quick Ratio of 3.25. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 3.25, EZPW belongs to the best of the industry, outperforming 84.91% of the companies in the same industry.
| 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.
The Revenue has grown by 8.14% in the past year. This is quite good.
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
EZPW is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.31% yearly.
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 2Y7.05%
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.
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 10.80, which indicates a very decent valuation of EZPW.
EZPW's Price/Earnings is on the same level as the industry average.
EZPW is valuated cheaply when we compare the Price/Earnings ratio to 27.35, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.59, which indicates a very decent valuation of EZPW.
EZPW's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 37.54, EZPW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.8 | ||
| Fwd PE | 9.59 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of EZPW indicates a somewhat cheap valuation: EZPW is cheaper than 77.36% of the companies listed 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 | 7.15 | ||
| EV/EBITDA | 5.7 |
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 13.50% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.63
PEG (5Y)2.32
EPS Next 2Y11.61%
EPS Next 3Y13.5%
5. Dividend
5.1 Amount
No dividends for EZPW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
13.5
-0.75 (-5.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners121.62%
Inst Owner Change-1.23%
Ins Owners4.86%
Ins Owner Change0.98%
Market Cap742.63M
Analysts80
Price Target21.42 (58.67%)
Short Float %18%
Short Ratio8.65
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)1.2%
PT rev (3m)21.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.92%
EPS NY rev (1m)0%
EPS NY rev (3m)1.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.8 | ||
| Fwd PE | 9.59 | ||
| P/S | 0.62 | ||
| P/FCF | 7.15 | ||
| P/OCF | 5.31 | ||
| P/B | 0.87 | ||
| P/tB | 1.52 | ||
| EV/EBITDA | 5.7 |
EPS(TTM)1.25
EY9.26%
EPS(NY)1.41
Fwd EY10.43%
FCF(TTM)1.89
FCFY13.99%
OCF(TTM)2.54
OCFY18.85%
SpS21.86
BVpS15.48
TBVpS8.89
PEG (NY)0.63
PEG (5Y)2.32
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 | 2.32 |
F-Score5
WACC7.86%
ROIC/WACC0.75
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 2Y7.05%
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%