25.63 USD
+2.69 (+11.73%)
At close: Feb 6, 2026
26 USD
+0.37 (+1.44%)
Pre-Market: 2/9/2026, 8:09:16 AM
EZPW gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. EZPW has an average financial health and profitability rating. 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.
- Each year in the past 5 years EZPW has been profitable.
- Each year in the past 5 years EZPW had a positive operating cash flow.
1.2 Ratios
- With a decent Return On Assets value of 5.62%, EZPW is doing good in the industry, outperforming 72.22% of the companies in the same industry.
- With a Return On Equity value of 10.69%, EZPW perfoms like the industry average, outperforming 42.59% of the companies in the same industry.
- EZPW has a Return On Invested Capital of 6.29%. This is in the better half of the industry: EZPW outperforms 64.81% of its industry peers.
- EZPW had an Average Return On Invested Capital over the past 3 years of 6.16%. This is significantly below the industry average of 12.42%.
- The 3 year average ROIC (6.16%) for EZPW is below the current ROIC(6.29%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.62% | ||
| ROE | 10.69% | ||
| ROIC | 6.29% |
ROA(3y)4.6%
ROA(5y)3.64%
ROE(3y)8.73%
ROE(5y)6.94%
ROIC(3y)6.16%
ROIC(5y)5.06%
1.3 Margins
- EZPW's Profit Margin of 8.60% is on the low side compared to the rest of the industry. EZPW is outperformed by 61.11% of its industry peers.
- EZPW's Profit Margin has improved in the last couple of years.
- EZPW's Operating Margin of 11.79% is in line compared to the rest of the industry. EZPW outperforms 50.00% of its industry peers.
- In the last couple of years the Operating Margin of EZPW has grown nicely.
- EZPW has a Gross Margin (58.55%) which is comparable to the rest of the industry.
- EZPW's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.79% | ||
| PM (TTM) | 8.6% | ||
| GM | 58.55% |
OM growth 3Y10.89%
OM growth 5Y28.67%
PM growth 3Y14.94%
PM growth 5YN/A
GM growth 3Y-0.59%
GM growth 5Y1.41%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so EZPW is destroying value.
- The number of shares outstanding for EZPW has been increased compared to 1 year ago.
- The number of shares outstanding for EZPW has been increased compared to 5 years ago.
- EZPW has a worse debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 2.93 indicates that EZPW is not a great score, but indicates only limited risk for bankruptcy at the moment.
- EZPW's Altman-Z score of 2.93 is amongst the best of the industry. EZPW outperforms 88.89% of its industry peers.
- EZPW has a debt to FCF ratio of 4.70. This is a neutral value as EZPW would need 4.70 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 4.70, EZPW is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
- EZPW has a Debt/Equity ratio of 0.51. This is a neutral value indicating EZPW is somewhat dependend on debt financing.
- EZPW has a better Debt to Equity ratio (0.51) than 74.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 4.7 | ||
| Altman-Z | 2.93 |
ROIC/WACC0.85
WACC7.38%
2.3 Liquidity
- A Current Ratio of 5.61 indicates that EZPW has no problem at all paying its short term obligations.
- EZPW has a better Current ratio (5.61) than 90.74% of its industry peers.
- A Quick Ratio of 4.37 indicates that EZPW has no problem at all paying its short term obligations.
- Looking at the Quick ratio, with a value of 4.37, EZPW belongs to the top of the industry, outperforming 90.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.61 | ||
| Quick Ratio | 4.37 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 31.09% over the past year.
- Measured over the past years, EZPW shows a very strong growth in Earnings Per Share. The EPS has been growing by 29.67% on average per year.
- The Revenue has grown by 9.70% in the past year. This is quite good.
- Measured over the past years, EZPW shows a quite strong growth in Revenue. The Revenue has been growing by 9.14% on average per year.
EPS 1Y (TTM)31.09%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.95%
Revenue 1Y (TTM)9.7%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%19.32%
3.2 Future
- The Earnings Per Share is expected to grow by 10.21% on average over the next years. This is quite good.
- EZPW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.64% yearly.
EPS Next Y4.91%
EPS Next 2Y10.39%
EPS Next 3Y12.85%
EPS Next 5Y10.21%
Revenue Next Year11.79%
Revenue Next 2Y10.39%
Revenue Next 3Y9.35%
Revenue Next 5Y6.64%
3.3 Evolution
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- EZPW is valuated correctly with a Price/Earnings ratio of 16.43.
- Based on the Price/Earnings ratio, EZPW is valued a bit more expensive than 68.52% of the companies in the same industry.
- EZPW's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.93.
- EZPW is valuated correctly with a Price/Forward Earnings ratio of 14.71.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of EZPW is on the same level as its industry peers.
- EZPW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.77, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.43 | ||
| Fwd PE | 14.71 |
4.2 Price Multiples
- 75.93% of the companies in the same industry are more expensive than EZPW, based on the Enterprise Value to EBITDA ratio.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.13 | ||
| EV/EBITDA | 8.81 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- The decent profitability rating of EZPW may justify a higher PE ratio.
- EZPW's earnings are expected to grow with 12.85% in the coming years. This may justify a more expensive valuation.
PEG (NY)3.34
PEG (5Y)0.55
EPS Next 2Y10.39%
EPS Next 3Y12.85%
5. Dividend
5.1 Amount
- No dividends for EZPW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
25.63
+2.69 (+11.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-04 2026-02-04/amc
Earnings (Next)04-27 2026-04-27
Inst Owners114.86%
Inst Owner Change0.17%
Ins Owners5.23%
Ins Owner Change9.07%
Market Cap1.56B
Revenue(TTM)1.27B
Net Income(TTM)109.61M
Analysts80
Price Target25.84 (0.82%)
Short Float %25.04%
Short Ratio13.73
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)21.86%
Min EPS beat(2)13.27%
Max EPS beat(2)30.46%
EPS beat(4)4
Avg EPS beat(4)15.63%
Min EPS beat(4)7.53%
Max EPS beat(4)30.46%
EPS beat(8)7
Avg EPS beat(8)11.89%
EPS beat(12)11
Avg EPS beat(12)17.86%
EPS beat(16)15
Avg EPS beat(16)32.94%
Revenue beat(2)2
Avg Revenue beat(2)1.27%
Min Revenue beat(2)0.78%
Max Revenue beat(2)1.76%
Revenue beat(4)2
Avg Revenue beat(4)-0.86%
Min Revenue beat(4)-3.23%
Max Revenue beat(4)1.76%
Revenue beat(8)3
Avg Revenue beat(8)-0.76%
Revenue beat(12)5
Avg Revenue beat(12)0.17%
Revenue beat(16)9
Avg Revenue beat(16)1.73%
PT rev (1m)6.29%
PT rev (3m)11.11%
EPS NQ rev (1m)0.66%
EPS NQ rev (3m)3.67%
EPS NY rev (1m)0.74%
EPS NY rev (3m)2.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.29%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)5.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.43 | ||
| Fwd PE | 14.71 | ||
| P/S | 1.22 | ||
| P/FCF | 14.13 | ||
| P/OCF | 10.47 | ||
| P/B | 1.52 | ||
| P/tB | 2.43 | ||
| EV/EBITDA | 8.81 |
EPS(TTM)1.56
EY6.09%
EPS(NY)1.74
Fwd EY6.8%
FCF(TTM)1.81
FCFY7.08%
OCF(TTM)2.45
OCFY9.55%
SpS20.93
BVpS16.84
TBVpS10.54
PEG (NY)3.34
PEG (5Y)0.55
Graham Number24.31
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.62% | ||
| ROE | 10.69% | ||
| ROCE | 8.58% | ||
| ROIC | 6.29% | ||
| ROICexc | 8.59% | ||
| ROICexgc | 12.26% | ||
| OM | 11.79% | ||
| PM (TTM) | 8.6% | ||
| GM | 58.55% | ||
| FCFM | 8.67% |
ROA(3y)4.6%
ROA(5y)3.64%
ROE(3y)8.73%
ROE(5y)6.94%
ROIC(3y)6.16%
ROIC(5y)5.06%
ROICexc(3y)7.67%
ROICexc(5y)6.29%
ROICexgc(3y)11.42%
ROICexgc(5y)9.52%
ROCE(3y)8.41%
ROCE(5y)6.91%
ROICexgc growth 3Y12.14%
ROICexgc growth 5Y21.98%
ROICexc growth 3Y14.81%
ROICexc growth 5Y26.5%
OM growth 3Y10.89%
OM growth 5Y28.67%
PM growth 3Y14.94%
PM growth 5YN/A
GM growth 3Y-0.59%
GM growth 5Y1.41%
F-Score6
Asset Turnover0.65
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 4.7 | ||
| Debt/EBITDA | 2.84 | ||
| Cap/Depr | 118.51% | ||
| Cap/Sales | 3.03% | ||
| Interest Coverage | 13.55 | ||
| Cash Conversion | 81.54% | ||
| Profit Quality | 100.74% | ||
| Current Ratio | 5.61 | ||
| Quick Ratio | 4.37 | ||
| Altman-Z | 2.93 |
F-Score6
WACC7.38%
ROIC/WACC0.85
Cap/Depr(3y)117.51%
Cap/Depr(5y)105.75%
Cap/Sales(3y)3.32%
Cap/Sales(5y)3.36%
Profit Quality(3y)117.96%
Profit Quality(5y)137.59%
High Growth Momentum
Growth
EPS 1Y (TTM)31.09%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.95%
EPS Next Y4.91%
EPS Next 2Y10.39%
EPS Next 3Y12.85%
EPS Next 5Y10.21%
Revenue 1Y (TTM)9.7%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%19.32%
Revenue Next Year11.79%
Revenue Next 2Y10.39%
Revenue Next 3Y9.35%
Revenue Next 5Y6.64%
EBIT growth 1Y32.49%
EBIT growth 3Y25.16%
EBIT growth 5Y40.43%
EBIT Next Year40.71%
EBIT Next 3Y25.33%
EBIT Next 5YN/A
FCF growth 1Y41.87%
FCF growth 3Y47.23%
FCF growth 5Y39.91%
OCF growth 1Y31.15%
OCF growth 3Y30.85%
OCF growth 5Y24.86%
EZCORP INC-CL A / EZPW FAQ
What is the fundamental rating for EZPW stock?
ChartMill assigns a fundamental rating of 5 / 10 to EZPW.
What is the valuation status for EZPW stock?
ChartMill assigns a valuation rating of 4 / 10 to EZCORP INC-CL A (EZPW). This can be considered as Fairly Valued.
How profitable is EZCORP INC-CL A (EZPW) stock?
EZCORP INC-CL A (EZPW) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for EZPW stock?
The Price/Earnings (PE) ratio for EZCORP INC-CL A (EZPW) is 16.43 and the Price/Book (PB) ratio is 1.52.