EZCORP INC-CL A (EZPW)

US3023011063 - Common Stock

10.71  +0.08 (+0.75%)

After market: 10.71 0 (0%)

Fundamental Rating

5

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.



5

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 3.39%. This is in the better half of the industry: EZPW outperforms 77.36% of its industry peers.
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.
EZPW has a Return On Invested Capital of 5.86%. This is in the better half of the industry: EZPW outperforms 77.36% of its industry peers.
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 RankSector 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

EZPW's Profit Margin of 4.63% is on the low side compared to the rest of the industry. EZPW is outperformed by 62.26% of its industry peers.
EZPW's Profit Margin has declined in the last couple of years.
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.
EZPW's Gross Margin of 58.08% is in line compared to the rest of the industry. EZPW outperforms 58.49% of its industry peers.
EZPW's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%

7

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
Compared to 5 years ago, EZPW has more shares outstanding
The debt/assets ratio for EZPW is higher compared to a year ago.

2.2 Solvency

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.
EZPW has a Altman-Z score of 2.33. This is amongst the best in the industry. EZPW outperforms 83.02% 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.
EZPW has a better Debt to FCF ratio (5.09) than 62.26% of its industry peers.
EZPW has a Debt/Equity ratio of 0.42. This is a healthy value indicating a solid balance between debt and equity.
EZPW has a better Debt to Equity ratio (0.42) than 77.36% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.42
Debt/FCF 5.09
Altman-Z 2.33
ROIC/WACC0.82
WACC7.13%

2.3 Liquidity

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 RankSector Rank
Current Ratio 4
Quick Ratio 3.08

6

3. Growth

3.1 Past

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%

3.2 Future

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%

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 accelerating: in the next years the growth will be better than in the last years.

4

4. Valuation

4.1 Price/Earnings Ratio

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.
EZPW is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.62, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.5
Fwd PE 10.19

4.2 Price Multiples

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 RankSector Rank
P/FCF 8.3
EV/EBITDA 5.43

4.3 Compensation for Growth

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%

0

5. Dividend

5.1 Amount

No dividends for EZPW!.
Industry RankSector 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 RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector 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
BVpS
TBVpS
PEG (NY)2.23
PEG (5Y)4.62
Profitability
Industry RankSector 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 RankSector 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
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y