20.55 USD
-0.43 (-2.05%)
We assign a fundamental rating of 5 out of 10 to EZPW. EZPW was compared to 55 industry peers in the Consumer Finance industry. EZPW has only an average score on both its financial health and profitability. EZPW has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year EZPW was profitable.
EZPW had a positive operating cash flow in the past year.
In the past 5 years EZPW has always been profitable.
EZPW had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
EZPW has a better Return On Assets (5.62%) than 76.36% of its industry peers.
The Return On Equity of EZPW (10.69%) is comparable to the rest of the industry.
With a decent Return On Invested Capital value of 6.29%, EZPW is doing good in the industry, outperforming 67.27% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for EZPW is significantly below the industry average of 12.59%.
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 has a Profit Margin (8.60%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of EZPW has grown nicely.
With a Operating Margin value of 11.79%, EZPW perfoms like the industry average, outperforming 52.73% of the companies in the same industry.
EZPW's Operating Margin has improved in the last couple of years.
EZPW has a Gross Margin (58.55%) 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 | 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EZPW is destroying value.
EZPW has more shares outstanding than it did 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
EZPW has an Altman-Z score of 2.74. 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.
EZPW has a better Altman-Z score (2.74) than 87.27% of its industry peers.
The Debt to FCF ratio of EZPW is 4.70, which is a neutral value as it means it would take EZPW, 4.70 years of fcf income to pay off all of its debts.
EZPW has a better Debt to FCF ratio (4.70) than 78.18% of its industry peers.
A Debt/Equity ratio of 0.51 indicates that EZPW is somewhat dependend on debt financing.
EZPW has a better Debt to Equity ratio (0.51) than 72.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 4.7 | ||
| Altman-Z | 2.74 |
ROIC/WACC0.71
WACC8.83%
2.3 Liquidity
EZPW has a Current Ratio of 5.61. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 5.61, EZPW belongs to the top of the industry, outperforming 90.91% of the companies in the same industry.
A Quick Ratio of 4.37 indicates that EZPW has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 4.37, EZPW belongs to the best of the industry, outperforming 87.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.61 | ||
| Quick Ratio | 4.37 |
3. Growth
3.1 Past
EZPW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.55%, which is quite impressive.
The Earnings Per Share has been growing by 29.67% on average over the past years. This is a very strong growth
EZPW shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.70%.
The Revenue has been growing by 9.14% on average over the past years. This is quite good.
EPS 1Y (TTM)26.55%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.77%
Revenue 1Y (TTM)9.7%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%14.35%
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 10.21% on average per year.
The Revenue is expected to grow by 6.64% on average over the next years.
EPS Next Y3.63%
EPS Next 2Y9.33%
EPS Next 3Y12.57%
EPS Next 5Y10.21%
Revenue Next Year11.32%
Revenue Next 2Y9.54%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 14.37, which indicates a correct valuation of EZPW.
61.82% of the companies in the same industry are cheaper than EZPW, based on the Price/Earnings ratio.
EZPW is valuated rather cheaply when we compare the Price/Earnings ratio to 26.56, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 13.87 indicates a correct valuation of EZPW.
EZPW's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.79, EZPW is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.37 | ||
| Fwd PE | 13.87 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, EZPW is valued a bit cheaper than 76.36% of the companies in the same industry.
EZPW's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.33 | ||
| EV/EBITDA | 7.26 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates EZPW does not grow enough to justify the current Price/Earnings ratio.
The decent profitability rating of EZPW may justify a higher PE ratio.
EZPW's earnings are expected to grow with 12.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)3.96
PEG (5Y)0.48
EPS Next 2Y9.33%
EPS Next 3Y12.57%
5. Dividend
5.1 Amount
No dividends for EZPW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:EZPW (12/15/2025, 12:11:38 PM)
20.55
-0.43 (-2.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners115.16%
Inst Owner Change-0.78%
Ins Owners5.23%
Ins Owner Change8.32%
Market Cap1.25B
Revenue(TTM)1.27B
Net Income(TTM)109.61M
Analysts80
Price Target24.31 (18.3%)
Short Float %20.52%
Short Ratio14.61
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)4.53%
PT rev (3m)14.58%
EPS NQ rev (1m)4.07%
EPS NQ rev (3m)2.77%
EPS NY rev (1m)1.05%
EPS NY rev (3m)1.87%
Revenue NQ rev (1m)3.29%
Revenue NQ rev (3m)3.88%
Revenue NY rev (1m)4.62%
Revenue NY rev (3m)4.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.37 | ||
| Fwd PE | 13.87 | ||
| P/S | 0.98 | ||
| P/FCF | 11.33 | ||
| P/OCF | 8.4 | ||
| P/B | 1.22 | ||
| P/tB | 1.95 | ||
| EV/EBITDA | 7.26 |
EPS(TTM)1.43
EY6.96%
EPS(NY)1.48
Fwd EY7.21%
FCF(TTM)1.81
FCFY8.82%
OCF(TTM)2.45
OCFY11.91%
SpS20.93
BVpS16.84
TBVpS10.54
PEG (NY)3.96
PEG (5Y)0.48
Graham Number23.28
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 | 2.74 |
F-Score6
WACC8.83%
ROIC/WACC0.71
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)26.55%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.77%
EPS Next Y3.63%
EPS Next 2Y9.33%
EPS Next 3Y12.57%
EPS Next 5Y10.21%
Revenue 1Y (TTM)9.7%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%14.35%
Revenue Next Year11.32%
Revenue Next 2Y9.54%
Revenue Next 3Y9.35%
Revenue Next 5Y6.64%
EBIT growth 1Y32.49%
EBIT growth 3Y25.16%
EBIT growth 5Y40.43%
EBIT Next Year38.4%
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.
Can you provide the valuation status for EZCORP INC-CL A?
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.
What is the financial health of EZCORP INC-CL A (EZPW) stock?
The financial health rating of EZCORP INC-CL A (EZPW) is 6 / 10.
Can you provide the expected EPS growth for EZPW stock?
The Earnings per Share (EPS) of EZCORP INC-CL A (EZPW) is expected to grow by 3.63% in the next year.