EZCORP INC-CL A (EZPW) Stock Fundamental Analysis
NASDAQ:EZPW - Nasdaq - US3023011063 - Common Stock - Currency: USD
Overall EZPW gets a fundamental rating of 6 out of 10. We evaluated EZPW against 52 industry peers in the Consumer Finance industry. EZPW is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. EZPW has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
EZPW had positive earnings in the past year.
In the past year EZPW had a positive cash flow from operations.
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 Return On Assets of 5.71%. This is in the better half of the industry: EZPW outperforms 78.85% of its industry peers.
EZPW has a Return On Equity of 10.39%. This is comparable to the rest of the industry: EZPW outperforms 50.00% of its industry peers.
EZPW has a Return On Invested Capital of 6.96%. This is in the better half of the industry: EZPW outperforms 71.15% of its industry peers.
The Average Return On Invested Capital over the past 3 years for EZPW is below the industry average of 9.28%.
The last Return On Invested Capital (6.96%) for EZPW is above the 3 year average (5.62%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.71% | ||
| ROE | 10.39% | ||
| ROIC | 6.96% |
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
EZPW has a Profit Margin (7.25%) which is in line with its industry peers.
In the last couple of years the Profit Margin of EZPW has grown nicely.
With a Operating Margin value of 10.02%, EZPW perfoms like the industry average, outperforming 55.77% of the companies in the same industry.
EZPW's Operating Margin has improved in the last couple of years.
With a decent Gross Margin value of 58.82%, EZPW is doing good in the industry, outperforming 61.54% 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 | 10.02% | ||
| PM (TTM) | 7.25% | ||
| GM | 58.82% |
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%
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 less shares outstanding than it did 5 years ago.
Compared to 1 year ago, EZPW has an improved debt to assets ratio.
2.2 Solvency
EZPW has an Altman-Z score of 2.70. 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.
Looking at the Altman-Z score, with a value of 2.70, EZPW is in the better half of the industry, outperforming 78.85% of the companies in the same industry.
EZPW has a debt to FCF ratio of 3.92. This is a good value and a sign of high solvency as EZPW would need 3.92 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 3.92, EZPW is doing good in the industry, outperforming 69.23% of the companies in the same industry.
A Debt/Equity ratio of 0.27 indicates that EZPW is not too dependend on debt financing.
EZPW's Debt to Equity ratio of 0.27 is amongst the best of the industry. EZPW outperforms 80.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 3.92 | ||
| Altman-Z | 2.7 |
ROIC/WACC0.98
WACC7.07%
2.3 Liquidity
A Current Ratio of 2.91 indicates that EZPW has no problem at all paying its short term obligations.
The Current ratio of EZPW (2.91) is better than 78.85% of its industry peers.
EZPW has a Quick Ratio of 2.13. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
EZPW's Quick ratio of 2.13 is fine compared to the rest of the industry. EZPW outperforms 73.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.91 | ||
| Quick Ratio | 2.13 |
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.
The Earnings Per Share has been growing slightly by 4.66% on average over the past years.
The Revenue has grown by 10.73% in the past year. This is quite good.
EZPW shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.52% yearly.
EPS 1Y (TTM)16.82%
EPS 3Y43.8%
EPS 5Y4.66%
EPS Q2Q%21.43%
Revenue 1Y (TTM)10.73%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%7.24%
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 11.86% on average per year.
EZPW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.12% yearly.
EPS Next Y15.54%
EPS Next 2Y12.31%
EPS Next 3Y13.27%
EPS Next 5Y11.86%
Revenue Next Year7.8%
Revenue Next 2Y7.36%
Revenue Next 3Y6.42%
Revenue Next 5Y6.12%
3.3 Evolution
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.79 indicates a reasonable valuation of EZPW.
The rest of the industry has a similar Price/Earnings ratio as EZPW.
Compared to an average S&P500 Price/Earnings ratio of 24.29, EZPW is valued rather cheaply.
EZPW is valuated reasonably with a Price/Forward Earnings ratio of 10.34.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EZPW is on the same level as its industry peers.
EZPW's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.79 | ||
| Fwd PE | 10.34 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of EZPW indicates a rather cheap valuation: EZPW is cheaper than 84.62% of the companies listed in the same industry.
EZPW's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.66 | ||
| EV/EBITDA | 6.66 |
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 13.27% in the coming years.
PEG (NY)0.76
PEG (5Y)2.53
EPS Next 2Y12.31%
EPS Next 3Y13.27%
5. Dividend
5.1 Amount
No dividends for EZPW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
14.74
-0.76 (-4.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners121.27%
Inst Owner Change-0.4%
Ins Owners4.77%
Ins Owner Change5.09%
Market Cap810.85M
Analysts82
Price Target18.87 (28.02%)
Short Float %21.81%
Short Ratio8.67
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)1
Avg EPS beat(2)3.74%
Min EPS beat(2)-3.81%
Max EPS beat(2)11.29%
EPS beat(4)3
Avg EPS beat(4)5%
Min EPS beat(4)-3.81%
Max EPS beat(4)11.29%
EPS beat(8)7
Avg EPS beat(8)17.29%
EPS beat(12)11
Avg EPS beat(12)38.26%
EPS beat(16)14
Avg EPS beat(16)69.38%
Revenue beat(2)1
Avg Revenue beat(2)-1.33%
Min Revenue beat(2)-2.77%
Max Revenue beat(2)0.1%
Revenue beat(4)1
Avg Revenue beat(4)-1.18%
Min Revenue beat(4)-2.77%
Max Revenue beat(4)0.1%
Revenue beat(8)2
Avg Revenue beat(8)-0.38%
Revenue beat(12)6
Avg Revenue beat(12)1.68%
Revenue beat(16)10
Avg Revenue beat(16)2.6%
PT rev (1m)10.45%
PT rev (3m)16.84%
EPS NQ rev (1m)-0.72%
EPS NQ rev (3m)6.9%
EPS NY rev (1m)-2.48%
EPS NY rev (3m)3.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.79 | ||
| Fwd PE | 10.34 | ||
| P/S | 0.69 | ||
| P/FCF | 9.66 | ||
| P/OCF | 6.87 | ||
| P/B | 0.98 | ||
| P/tB | 1.75 | ||
| EV/EBITDA | 6.66 |
EPS(TTM)1.25
EY8.48%
EPS(NY)1.43
Fwd EY9.67%
FCF(TTM)1.53
FCFY10.35%
OCF(TTM)2.15
OCFY14.57%
SpS21.48
BVpS14.98
TBVpS8.4
PEG (NY)0.76
PEG (5Y)2.53
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.71% | ||
| ROE | 10.39% | ||
| ROCE | 9.51% | ||
| ROIC | 6.96% | ||
| ROICexc | 8.09% | ||
| ROICexgc | 12.22% | ||
| OM | 10.02% | ||
| PM (TTM) | 7.25% | ||
| GM | 58.82% | ||
| FCFM | 7.1% |
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-Score8
Asset Turnover0.79
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 3.92 | ||
| Debt/EBITDA | 1.49 | ||
| Cap/Depr | 104.11% | ||
| Cap/Sales | 2.89% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 78.1% | ||
| Profit Quality | 97.99% | ||
| Current Ratio | 2.91 | ||
| Quick Ratio | 2.13 | ||
| Altman-Z | 2.7 |
F-Score8
WACC7.07%
ROIC/WACC0.98
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 Y15.54%
EPS Next 2Y12.31%
EPS Next 3Y13.27%
EPS Next 5Y11.86%
Revenue 1Y (TTM)10.73%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%7.24%
Revenue Next Year7.8%
Revenue Next 2Y7.36%
Revenue Next 3Y6.42%
Revenue Next 5Y6.12%
EBIT growth 1Y15.27%
EBIT growth 3Y51.97%
EBIT growth 5Y17.14%
EBIT Next Year60.48%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y139.09%
FCF growth 3Y50.57%
FCF growth 5Y3.77%
OCF growth 1Y70.68%
OCF growth 3Y34.78%
OCF growth 5Y1.88%