EZCORP INC-CL A (EZPW) Stock Fundamental Analysis
NASDAQ:EZPW - Nasdaq - US3023011063 - Common Stock - Currency: USD
EZPW gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 51 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 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.
In the past year EZPW had a positive cash flow from operations.
EZPW had positive earnings in 4 of the past 5 years.
EZPW had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
EZPW has a Return On Assets of 4.89%. This is in the better half of the industry: EZPW outperforms 76.47% of its industry peers.
EZPW has a Return On Equity of 10.52%. This is comparable to the rest of the industry: EZPW outperforms 56.86% of its industry peers.
EZPW's Return On Invested Capital of 5.86% is fine compared to the rest of the industry. EZPW outperforms 68.63% of its industry peers.
The Average Return On Invested Capital over the past 3 years for EZPW is below the industry average of 10.59%.
The 3 year average ROIC (5.62%) for EZPW is below the current ROIC(5.86%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.89% | ||
| ROE | 10.52% | ||
| ROIC | 5.86% |
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 of 7.45%. This is comparable to the rest of the industry: EZPW outperforms 41.18% of its industry peers.
In the last couple of years the Profit Margin of EZPW has grown nicely.
Looking at the Operating Margin, with a value of 10.43%, EZPW is in line with its industry, outperforming 52.94% of the companies in the same industry.
In the last couple of years the Operating Margin of EZPW has grown nicely.
EZPW has a Gross Margin (58.71%) which is in line with its industry peers.
EZPW's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.43% | ||
| PM (TTM) | 7.45% | ||
| GM | 58.71% |
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
EZPW has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
EZPW has less shares outstanding than it did 1 year ago.
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 2.29. 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 2.29, EZPW is in the better half of the industry, outperforming 72.55% of the companies in the same industry.
The Debt to FCF ratio of EZPW is 5.99, which is a neutral value as it means it would take EZPW, 5.99 years of fcf income to pay off all of its debts.
EZPW's Debt to FCF ratio of 5.99 is in line compared to the rest of the industry. EZPW outperforms 56.86% of its industry peers.
EZPW has a Debt/Equity ratio of 0.61. This is a neutral value indicating EZPW is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.61, EZPW is doing good in the industry, outperforming 70.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 5.99 | ||
| Altman-Z | 2.29 |
ROIC/WACC0.78
WACC7.47%
2.3 Liquidity
EZPW has a Current Ratio of 4.04. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
EZPW has a better Current ratio (4.04) than 82.35% of its industry peers.
A Quick Ratio of 3.25 indicates that EZPW has no problem at all paying its short term obligations.
The Quick ratio of EZPW (3.25) is better than 80.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.04 | ||
| Quick Ratio | 3.25 |
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 8.14% in the past year. This is quite good.
The Revenue has been growing slightly by 6.52% on average over the past years.
EPS 1Y (TTM)16.82%
EPS 3Y43.8%
EPS 5Y4.66%
EPS Q2Q%21.43%
Revenue 1Y (TTM)8.14%
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.
Based on estimates for the next years, EZPW will show a small growth in Revenue. The Revenue will grow by 6.12% on average per year.
EPS Next Y13.73%
EPS Next 2Y11.03%
EPS Next 3Y13.27%
EPS Next 5Y11.86%
Revenue Next Year8.06%
Revenue Next 2Y7.2%
Revenue Next 3Y7.07%
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.
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
With a Price/Earnings ratio of 10.72, 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 (26.19), we can say EZPW is valued rather cheaply.
A Price/Forward Earnings ratio of 9.62 indicates a reasonable valuation of EZPW.
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 rather cheap valuation when compared to the S&P500 average which is at 22.13.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.72 | ||
| Fwd PE | 9.62 |
4.2 Price Multiples
EZPW's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. EZPW is cheaper than 78.43% of the companies in the same industry.
EZPW's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.09 | ||
| EV/EBITDA | 5.41 |
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 13.27% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.78
PEG (5Y)2.3
EPS Next 2Y11.03%
EPS Next 3Y13.27%
5. Dividend
5.1 Amount
EZPW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:EZPW (5/30/2025, 9:37:23 AM)
13.3963
-0.02 (-0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners121.27%
Inst Owner Change1.61%
Ins Owners4.77%
Ins Owner Change0.85%
Market Cap736.93M
Analysts82
Price Target21.17 (58.03%)
Short Float %21.76%
Short Ratio7.13
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)9.41%
Min EPS beat(2)7.53%
Max EPS beat(2)11.29%
EPS beat(4)3
Avg EPS beat(4)4.97%
Min EPS beat(4)-3.81%
Max EPS beat(4)11.29%
EPS beat(8)7
Avg EPS beat(8)12.35%
EPS beat(12)11
Avg EPS beat(12)33.91%
EPS beat(16)14
Avg EPS beat(16)57.82%
Revenue beat(2)0
Avg Revenue beat(2)-3%
Min Revenue beat(2)-3.23%
Max Revenue beat(2)-2.77%
Revenue beat(4)1
Avg Revenue beat(4)-1.8%
Min Revenue beat(4)-3.23%
Max Revenue beat(4)0.1%
Revenue beat(8)1
Avg Revenue beat(8)-1.11%
Revenue beat(12)5
Avg Revenue beat(12)1.37%
Revenue beat(16)9
Avg Revenue beat(16)2.11%
PT rev (1m)20.29%
PT rev (3m)22.06%
EPS NQ rev (1m)-8.65%
EPS NQ rev (3m)-14.16%
EPS NY rev (1m)-1.56%
EPS NY rev (3m)-4.06%
Revenue NQ rev (1m)0.09%
Revenue NQ rev (3m)16.23%
Revenue NY rev (1m)0.24%
Revenue NY rev (3m)7.6%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.72 | ||
| Fwd PE | 9.62 | ||
| P/S | 0.61 | ||
| P/FCF | 7.09 | ||
| P/OCF | 5.26 | ||
| P/B | 0.87 | ||
| P/tB | 1.51 | ||
| EV/EBITDA | 5.41 |
EPS(TTM)1.25
EY9.33%
EPS(NY)1.39
Fwd EY10.4%
FCF(TTM)1.89
FCFY14.1%
OCF(TTM)2.54
OCFY19%
SpS21.86
BVpS15.48
TBVpS8.89
PEG (NY)0.78
PEG (5Y)2.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.89% | ||
| ROE | 10.52% | ||
| ROCE | 8.01% | ||
| ROIC | 5.86% | ||
| ROICexc | 8.65% | ||
| ROICexgc | 13.14% | ||
| OM | 10.43% | ||
| PM (TTM) | 7.45% | ||
| GM | 58.71% | ||
| FCFM | 8.64% |
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-Score5
Asset Turnover0.66
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 5.99 | ||
| Debt/EBITDA | 3.28 | ||
| Cap/Depr | 110.53% | ||
| Cap/Sales | 3% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 88.59% | ||
| Profit Quality | 116.03% | ||
| Current Ratio | 4.04 | ||
| Quick Ratio | 3.25 | ||
| Altman-Z | 2.29 |
F-Score5
WACC7.47%
ROIC/WACC0.78
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 Y13.73%
EPS Next 2Y11.03%
EPS Next 3Y13.27%
EPS Next 5Y11.86%
Revenue 1Y (TTM)8.14%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%7.24%
Revenue Next Year8.06%
Revenue Next 2Y7.2%
Revenue Next 3Y7.07%
Revenue Next 5Y6.12%
EBIT growth 1Y21.48%
EBIT growth 3Y51.97%
EBIT growth 5Y17.14%
EBIT Next Year62.08%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y142.2%
FCF growth 3Y50.57%
FCF growth 5Y3.77%
OCF growth 1Y69.26%
OCF growth 3Y34.78%
OCF growth 5Y1.88%