US3023011063 - Common Stock

**EZPW** gets a fundamental rating of **5** out of 10. The analysis compared the fundamentals against 53 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.

In the past year **EZPW** had a positive cash flow from operations.

Each year in the past 5 years **EZPW** had a positive operating cash flow.

With a **Return On Equity** value of **6.47%**, **EZPW** perfoms like the industry average, outperforming **43.40%** 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 **7.58%**.

The 3 year average ROIC (**4.13%**) for **EZPW** is below the current ROIC(**5.86%**), indicating increased profibility in the last year.

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 3.39% | ||

ROE | 6.47% | ||

ROIC | 5.86% |

ROA(3y)2.34%

ROA(5y)0.31%

ROE(3y)4.56%

ROE(5y)0.7%

ROIC(3y)4.13%

ROIC(5y)3.63%

With a **Operating Margin** value of **9.47%**, **EZPW** perfoms like the industry average, outperforming **50.94%** of the companies in the same industry.

In the last couple of years the **Operating Margin** of **EZPW** has grown nicely.

Industry Rank | Sector Rank | ||
---|---|---|---|

OM | 9.47% | ||

PM (TTM) | 4.63% | ||

GM | 58.08% |

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%

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), **EZPW** is destroying value.

Compared to 1 year ago, **EZPW** has less shares outstanding

Compared to 5 years ago, **EZPW** has more shares outstanding

The debt/assets ratio for **EZPW** is higher compared to a year ago.

An Altman-Z score of **2.33** indicates that **EZPW** is not a great score, but indicates only limited risk for bankruptcy at the moment.

The Debt to FCF ratio of **EZPW** is **5.09**, which is a neutral value as it means it would take **EZPW**, **5.09** years of fcf income to pay off all of its debts.

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 0.42 | ||

Debt/FCF | 5.09 | ||

Altman-Z | 2.33 |

ROIC/WACC0.82

WACC7.13%

A Current Ratio of **4.00** indicates that **EZPW** has no problem at all paying its short term obligations.

Looking at the **Current ratio**, with a value of **4.00**, **EZPW** belongs to the top of the industry, outperforming **81.13%** of the companies in the same industry.

A Quick Ratio of **3.08** indicates that **EZPW** has no problem at all paying its short term obligations.

The **Quick ratio** of **EZPW** (**3.08**) is better than **79.25%** of its industry peers.

Industry Rank | Sector Rank | ||
---|---|---|---|

Current Ratio | 4 | ||

Quick Ratio | 3.08 |

The **Earnings Per Share** has grown by an impressive **25.93%** over the past year.

Measured over the past 5 years, **EZPW** shows a small growth in **Earnings Per Share**. The EPS has been growing by **2.28%** on average per year.

The **Revenue** has grown by **16.70%** in the past year. This is quite good.

The **Revenue** has been growing slightly by **5.25%** on average over the past years.

EPS 1Y (TTM)25.93%

EPS 3Y34.08%

EPS 5Y2.28%

EPS growth Q2Q28.57%

Revenue 1Y (TTM)16.7%

Revenue growth 3Y8.43%

Revenue growth 5Y5.25%

Revenue growth Q2Q13.5%

The **Earnings Per Share** is expected to grow by **9.94%** on average over the next years. This is quite good.

Based on estimates for the next years, **EZPW** will show a small growth in **Revenue**. The Revenue will grow by **6.87%** on average per year.

EPS Next Y4.71%

EPS Next 2Y5.72%

EPS Next 3Y9.5%

EPS Next 5Y9.94%

Revenue Next Year11.08%

Revenue Next 2Y9.29%

Revenue Next 3Y7.06%

Revenue Next 5Y6.87%

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

With a **Price/Earnings** ratio of **10.50**, the valuation of **EZPW** can be described as very reasonable.

Compared to the rest of the industry, the **Price/Earnings** ratio of **EZPW** is on the same level as its industry peers.

When comparing the **Price/Earnings** ratio of **EZPW** to the average of the S&P500 Index (**26.15**), we can say **EZPW** is valued rather cheaply.

The **Price/Forward Earnings** ratio is **10.19**, which indicates a very decent valuation of **EZPW**.

The rest of the industry has a similar **Price/Forward Earnings** ratio as **EZPW**.

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 10.5 | ||

Fwd PE | 10.19 |

Based on the **Enterprise Value to EBITDA** ratio, **EZPW** is valued a bit cheaper than 79.25% 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 | 8.3 | ||

EV/EBITDA | 5.43 |

The high **PEG Ratio(NY)**, which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)2.23

PEG (5Y)4.62

EPS Next 2Y5.72%

EPS Next 3Y9.5%

No dividends for **EZPW**!.

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | N/A |

**EZCORP INC-CL A**

NASDAQ:EZPW (2/23/2024, 7:00:01 PM)

After market: 10.71 0 (0%)**10.71**

**+0.08 (+0.75%) **

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 Cap590.66M

Analysts

Price Target

Dividend

Industry Rank | Sector Rank | ||
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Dividend Yield | N/A |

Dividend Growth(5Y)

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EPS beat(2)

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Valuation

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 10.5 | ||

Fwd PE | 10.19 | ||

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

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TBVpS

PEG (NY)2.23

PEG (5Y)4.62

Profitability

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 3.39% | ||

ROE | 6.47% | ||

ROCE | |||

ROIC | |||

ROICexc | |||

ROICexgc | |||

OM | 9.47% | ||

PM (TTM) | 4.63% | ||

GM | 58.08% | ||

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 Turnover0.73

Health

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 0.42 | ||

Debt/FCF | |||

Debt/EBITDA | |||

Cap/Depr | |||

Cap/Sales | |||

Interest Coverage | |||

Cash Conversion | |||

Profit Quality | |||

Current Ratio | 4 | ||

Quick Ratio | 3.08 | ||

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)

Growth

EPS 1Y (TTM)25.93%

EPS 3Y34.08%

EPS 5Y

EPS growth Q2Q

EPS Next Y4.71%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)16.7%

Revenue growth 3Y8.43%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

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EBIT growth 3Y

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