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 average financial health and profitability rating. EZPW is not valued too expensively and it also shows a decent growth rate.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

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.
Each year in the past 5 years EZPW had a positive operating cash flow.

1.2 Ratios

EZPW has a better Return On Assets (5.62%) than 71.70% of its industry peers.
EZPW has a Return On Equity (10.69%) which is in line with its industry peers.
The Return On Invested Capital of EZPW (6.29%) is better than 64.15% 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 last Return On Invested Capital (6.29%) for EZPW is above the 3 year average (6.16%), which is a sign of increasing profitability.

		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 worse Profit Margin (8.60%) than 64.15% of its industry peers.
In the last couple of years the Profit Margin of EZPW has grown nicely.
EZPW has a Operating Margin of 11.79%. This is comparable to the rest of the industry: EZPW outperforms 49.06% of its industry peers.
In the last couple of years the Operating Margin of EZPW has grown nicely.
EZPW's Gross Margin of 58.55% is in line compared to the rest of the industry. EZPW outperforms 58.49% of its industry peers.
In the last couple of years the Gross Margin of EZPW has remained more or less at the same level.

		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%

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EZPW is destroying value.
The number of shares outstanding for EZPW has been increased compared to 1 year ago.
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

EZPW has an Altman-Z score of 2.76. 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 Altman-Z score of 2.76. This is amongst the best in the industry. EZPW outperforms 88.68% 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.
Looking at the Debt to FCF ratio, with a value of 4.70, EZPW is in the better half of the industry, outperforming 77.36% of the companies in the same industry.
A Debt/Equity ratio of 0.51 indicates that EZPW is somewhat dependend on debt financing.
The Debt to Equity ratio of EZPW (0.51) is better than 73.58% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.51
Debt/FCF	4.7
Altman-Z	2.76

ROIC/WACC0.88

WACC7.15%

2.3 Liquidity

A Current Ratio of 5.61 indicates that EZPW has no problem at all paying its short term obligations.
With an excellent Current ratio value of 5.61, EZPW belongs to the best of the industry, outperforming 90.57% 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.
Looking at the Quick ratio, with a value of 4.37, EZPW belongs to the top of the industry, outperforming 90.57% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	5.61
Quick Ratio	4.37

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

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.
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.
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

The Earnings Per Share is expected to grow by 10.21% 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 6.64% on average per year.

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.92, which indicates a correct valuation of EZPW.
EZPW's Price/Earnings ratio is a bit more expensive when compared to the industry. EZPW is more expensive than 66.04% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.87. EZPW is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 14.22, EZPW is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EZPW is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of EZPW to the average of the S&P500 Index (25.96), we can say EZPW is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	14.92
Fwd PE	14.22

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, EZPW is valued a bit cheaper than the industry average as 77.36% of the companies are valued more expensively.
EZPW's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	11.76
EV/EBITDA	7.44

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 12.85% in the coming years. This may justify a more expensive valuation.