EZCORP INC-CL A (EZPW)
US3023011063 - Common Stock
We assign a fundamental rating of 6 out of 10 to EZPW. EZPW was compared to 51 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
EZPW had positive earnings in the past year.
EZPW had a positive operating cash flow in the past year.
EZPW had positive earnings in 4 of the past 5 years.
Each year in the past 5 years EZPW had a positive operating cash flow.
1.2 Ratios
EZPW has a better Return On Assets (3.39%) than 78.43% of its industry peers.
EZPW has a Return On Equity (6.47%) which is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 5.86%, EZPW belongs to the top of the industry, outperforming 80.39% 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 6.30%.
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%
1.3 Margins
Looking at the Profit Margin, with a value of 4.63%, EZPW is in line with its industry, outperforming 43.14% of the companies in the same industry.
EZPW's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 9.47%, EZPW is in line with its industry, outperforming 49.02% of the companies in the same industry.
In the last couple of years the Operating Margin of EZPW has grown nicely.
Looking at the Gross Margin, with a value of 58.08%, EZPW is in the better half of the industry, outperforming 62.75% of the companies in the same industry.
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 | 9.47% | ||
| 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%
2. Health
2.1 Basic Checks
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
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
An Altman-Z score of 2.37 indicates that EZPW is not a great score, but indicates only limited risk for bankruptcy at the moment.
EZPW has a better Altman-Z score (2.37) than 84.31% of its industry peers.
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.
Looking at the Debt to FCF ratio, with a value of 5.09, EZPW is in the better half of the industry, outperforming 60.78% of the companies in the same industry.
A Debt/Equity ratio of 0.42 indicates that EZPW is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.42, EZPW belongs to the best of the industry, outperforming 80.39% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | 5.09 | ||
| Altman-Z | 2.37 |
ROIC/WACC0.82
WACC7.15%
2.3 Liquidity
A Current Ratio of 4.00 indicates that EZPW has no problem at all paying its short term obligations.
EZPW's Current ratio of 4.00 is amongst the best of the industry. EZPW outperforms 80.39% of its industry peers.
A Quick Ratio of 3.08 indicates that EZPW has no problem at all paying its short term obligations.
EZPW's Quick ratio of 3.08 is fine compared to the rest of the industry. EZPW outperforms 78.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4 | ||
| Quick Ratio | 3.08 |
3. Growth
3.1 Past
EZPW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.93%, which is quite impressive.
EZPW shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.28% yearly.
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%
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 6.87% on average per year.
EPS Next Y12.85%
EPS Next 2Y10%
EPS Next 3Y12.44%
EPS Next 5Y9.94%
Revenue Next Year10.61%
Revenue Next 2Y8.64%
Revenue Next 3Y7.39%
Revenue Next 5Y6.87%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last 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 10.85, the valuation of EZPW can be described as very reasonable.
EZPW's Price/Earnings is on the same level as the industry average.
EZPW's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.20.
EZPW is valuated reasonably with a Price/Forward Earnings ratio of 9.73.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EZPW indicates a somewhat cheap valuation: EZPW is cheaper than 62.75% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of EZPW to the average of the S&P500 Index (21.63), we can say EZPW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.85 | ||
| Fwd PE | 9.73 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, EZPW is valued cheaply inside the industry as 88.24% of the companies are valued more expensively.
EZPW's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.57 | ||
| EV/EBITDA | 5.75 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of EZPW may justify a higher PE ratio.
A more expensive valuation may be justified as EZPW's earnings are expected to grow with 12.44% in the coming years.
PEG (NY)0.84
PEG (5Y)4.77
EPS Next 2Y10%
EPS Next 3Y12.44%
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 (4/25/2024, 4:20:02 PM)
After market: 11.07 0 (0%)11.07
-0.43 (-3.74%)
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 Cap610.51M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
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Surprises & Revisions
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Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.85 | ||
| Fwd PE | 9.73 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
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OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.84
PEG (5Y)4.77
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 Y12.85%
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
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
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FCF growth 3Y
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