EZCORP INC-CL A (EZPW) Stock Fundamental Analysis
NASDAQ:EZPW - US3023011063 - Common Stock
16.73 USD
-0.17 (-1.01%)
16.81 USD
+0.08 (+0.48%)
Overall EZPW gets a fundamental rating of 6 out of 10. We evaluated EZPW against 54 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 decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year EZPW was profitable.
EZPW had a positive operating cash flow in the past year.
EZPW had positive earnings in 4 of the past 5 years.
In the past 5 years EZPW always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 5.21%, EZPW is doing good in the industry, outperforming 74.07% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.91%, EZPW is in line with its industry, outperforming 51.85% of the companies in the same industry.
EZPW has a better Return On Invested Capital (5.95%) than 70.37% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for EZPW is significantly below the industry average of 11.02%.
The 3 year average ROIC (5.62%) for EZPW is below the current ROIC(5.95%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.21% | ||
| ROE | 9.91% | ||
| ROIC | 5.95% |
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
Looking at the Profit Margin, with a value of 7.96%, EZPW is in line with its industry, outperforming 42.59% of the companies in the same industry.
In the last couple of years the Profit Margin of EZPW has grown nicely.
EZPW has a Operating Margin of 11.30%. This is comparable to the rest of the industry: EZPW outperforms 55.56% of its industry peers.
EZPW's Operating Margin has improved in the last couple of years.
EZPW's Gross Margin of 58.67% is in line compared to the rest of the industry. EZPW outperforms 57.41% of its industry peers.
EZPW's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.3% | ||
| PM (TTM) | 7.96% | ||
| GM | 58.67% |
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
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 2.60 indicates that EZPW is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.60, EZPW belongs to the top of the industry, outperforming 81.48% of the companies in the same industry.
The Debt to FCF ratio of EZPW is 5.24, which is a neutral value as it means it would take EZPW, 5.24 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 5.24, EZPW is in the better half of the industry, outperforming 72.22% of the companies in the same industry.
EZPW has a Debt/Equity ratio of 0.52. This is a neutral value indicating EZPW is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.52, EZPW is doing good in the industry, outperforming 74.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 5.24 | ||
| Altman-Z | 2.6 |
ROIC/WACC0.61
WACC9.81%
2.3 Liquidity
EZPW has a Current Ratio of 6.31. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
EZPW has a better Current ratio (6.31) than 88.89% of its industry peers.
A Quick Ratio of 5.00 indicates that EZPW has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 5.00, EZPW belongs to the top of the industry, outperforming 87.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6.31 | ||
| Quick Ratio | 5 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 22.73% over the past year.
The Earnings Per Share has been growing slightly by 4.66% on average over the past years.
The Revenue has grown by 8.30% 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)22.73%
EPS 3Y43.8%
EPS 5Y4.66%
EPS Q2Q%43.48%
Revenue 1Y (TTM)8.3%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%10.5%
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 11.97% yearly.
EZPW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.64% yearly.
EPS Next Y22.58%
EPS Next 2Y13.46%
EPS Next 3Y12.74%
EPS Next 5Y11.97%
Revenue Next Year8.31%
Revenue Next 2Y7.36%
Revenue Next 3Y7.68%
Revenue Next 5Y6.64%
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.
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
Based on the Price/Earnings ratio of 12.39, the valuation of EZPW can be described as correct.
EZPW's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of EZPW to the average of the S&P500 Index (27.06), we can say EZPW is valued rather cheaply.
With a Price/Forward Earnings ratio of 11.50, the valuation of EZPW can be described as very reasonable.
EZPW's Price/Forward Earnings is on the same level as the industry average.
EZPW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.69, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.39 | ||
| Fwd PE | 11.5 |
4.2 Price Multiples
77.78% of the companies in the same industry are more expensive than EZPW, based on the Enterprise Value to EBITDA ratio.
The rest of the industry has a similar Price/Free Cash Flow ratio as EZPW.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.28 | ||
| EV/EBITDA | 6.21 |
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.
The decent profitability rating of EZPW may justify a higher PE ratio.
EZPW's earnings are expected to grow with 12.74% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.55
PEG (5Y)2.66
EPS Next 2Y13.46%
EPS Next 3Y12.74%
5. Dividend
5.1 Amount
No dividends for EZPW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
16.73
-0.17 (-1.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners124.51%
Inst Owner Change6.17%
Ins Owners4.69%
Ins Owner Change0.98%
Market Cap1.02B
Analysts80
Price Target21.22 (26.84%)
Short Float %15.96%
Short Ratio11.89
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)18.99%
Min EPS beat(2)7.53%
Max EPS beat(2)30.46%
EPS beat(4)3
Avg EPS beat(4)11.36%
Min EPS beat(4)-3.81%
Max EPS beat(4)30.46%
EPS beat(8)7
Avg EPS beat(8)12.56%
EPS beat(12)11
Avg EPS beat(12)18.63%
EPS beat(16)15
Avg EPS beat(16)60.82%
Revenue beat(2)1
Avg Revenue beat(2)-1.23%
Min Revenue beat(2)-3.23%
Max Revenue beat(2)0.78%
Revenue beat(4)2
Avg Revenue beat(4)-1.28%
Min Revenue beat(4)-3.23%
Max Revenue beat(4)0.78%
Revenue beat(8)2
Avg Revenue beat(8)-1.01%
Revenue beat(12)5
Avg Revenue beat(12)0.81%
Revenue beat(16)9
Avg Revenue beat(16)2.13%
PT rev (1m)-0.95%
PT rev (3m)0.24%
EPS NQ rev (1m)-3.5%
EPS NQ rev (3m)-3.5%
EPS NY rev (1m)4.62%
EPS NY rev (3m)7.78%
Revenue NQ rev (1m)0.18%
Revenue NQ rev (3m)1.11%
Revenue NY rev (1m)0.55%
Revenue NY rev (3m)0.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.39 | ||
| Fwd PE | 11.5 | ||
| P/S | 0.83 | ||
| P/FCF | 10.28 | ||
| P/OCF | 7.22 | ||
| P/B | 1.03 | ||
| P/tB | 1.67 | ||
| EV/EBITDA | 6.21 |
EPS(TTM)1.35
EY8.07%
EPS(NY)1.45
Fwd EY8.7%
FCF(TTM)1.63
FCFY9.73%
OCF(TTM)2.32
OCFY13.85%
SpS20.23
BVpS16.26
TBVpS10.02
PEG (NY)0.55
PEG (5Y)2.66
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.21% | ||
| ROE | 9.91% | ||
| ROCE | 8.14% | ||
| ROIC | 5.95% | ||
| ROICexc | 8.22% | ||
| ROICexgc | 11.86% | ||
| OM | 11.3% | ||
| PM (TTM) | 7.96% | ||
| GM | 58.67% | ||
| FCFM | 8.05% |
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-Score7
Asset Turnover0.65
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 5.24 | ||
| Debt/EBITDA | 3.02 | ||
| Cap/Depr | 129.12% | ||
| Cap/Sales | 3.4% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 82.17% | ||
| Profit Quality | 101.04% | ||
| Current Ratio | 6.31 | ||
| Quick Ratio | 5 | ||
| Altman-Z | 2.6 |
F-Score7
WACC9.81%
ROIC/WACC0.61
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)22.73%
EPS 3Y43.8%
EPS 5Y4.66%
EPS Q2Q%43.48%
EPS Next Y22.58%
EPS Next 2Y13.46%
EPS Next 3Y12.74%
EPS Next 5Y11.97%
Revenue 1Y (TTM)8.3%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%10.5%
Revenue Next Year8.31%
Revenue Next 2Y7.36%
Revenue Next 3Y7.68%
Revenue Next 5Y6.64%
EBIT growth 1Y32.85%
EBIT growth 3Y51.97%
EBIT growth 5Y17.14%
EBIT Next Year70.64%
EBIT Next 3Y28.5%
EBIT Next 5YN/A
FCF growth 1Y95.5%
FCF growth 3Y50.57%
FCF growth 5Y3.77%
OCF growth 1Y52.83%
OCF growth 3Y34.78%
OCF growth 5Y1.88%