EZCORP INC-CL A (EZPW)
US3023011063 - Common Stock
EZPW gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 52 industry peers in the Consumer Finance industry. EZPW has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. EZPW is not valued too expensively and it also shows a decent growth rate. These ratings could make EZPW a good candidate for quality investing.
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 better Return On Assets (5.56%) than 80.77% of its industry peers.
EZPW has a Return On Equity (10.33%) which is in line with its industry peers.
EZPW's Return On Invested Capital of 6.78% is fine compared to the rest of the industry. EZPW outperforms 78.85% of its industry peers.
The Average Return On Invested Capital over the past 3 years for EZPW is in line with the industry average of 7.32%.
The last Return On Invested Capital (6.78%) for EZPW is above the 3 year average (5.62%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.56% | ||
| ROE | 10.33% | ||
| ROIC | 6.78% |
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's Profit Margin of 7.15% is in line compared to the rest of the industry. EZPW outperforms 44.23% of its industry peers.
EZPW's Profit Margin has improved in the last couple of years.
EZPW has a Operating Margin (9.76%) which is in line with its industry peers.
EZPW's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 58.74%, EZPW is in the better half of the industry, outperforming 63.46% of the companies in the same industry.
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 | 9.76% | ||
| PM (TTM) | 7.15% | ||
| GM | 58.74% |
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so EZPW is destroying value.
Compared to 1 year ago, EZPW has less shares outstanding
The number of shares outstanding for EZPW has been reduced compared to 5 years ago.
The debt/assets ratio for EZPW has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.43 indicates that EZPW is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.43, EZPW is in the better half of the industry, outperforming 78.85% of the companies in the same industry.
EZPW has a debt to FCF ratio of 4.23. This is a neutral value as EZPW would need 4.23 years to pay back of all of its debts.
EZPW has a Debt to FCF ratio of 4.23. This is in the better half of the industry: EZPW outperforms 71.15% of its industry peers.
EZPW has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
EZPW has a Debt to Equity ratio of 0.28. This is amongst the best in the industry. EZPW outperforms 82.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 4.23 | ||
| Altman-Z | 2.43 |
ROIC/WACC0.94
WACC7.23%
2.3 Liquidity
A Current Ratio of 2.71 indicates that EZPW has no problem at all paying its short term obligations.
The Current ratio of EZPW (2.71) is better than 76.92% of its industry peers.
A Quick Ratio of 1.99 indicates that EZPW should not have too much problems paying its short term obligations.
EZPW's Quick ratio of 1.99 is fine compared to the rest of the industry. EZPW outperforms 73.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.71 | ||
| Quick Ratio | 1.99 |
3. Growth
3.1 Past
EZPW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.21%, which is quite impressive.
EZPW shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.66% yearly.
EZPW shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.73%.
EZPW shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.52% yearly.
EPS 1Y (TTM)20.21%
EPS 3Y43.8%
EPS 5Y4.66%
EPS Q2Q%13.04%
Revenue 1Y (TTM)10.73%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%8.89%
3.2 Future
The Earnings Per Share is expected to grow by 10.32% on average over the next years. This is quite good.
The Revenue is expected to grow by 6.00% on average over the next years.
EPS Next Y7.42%
EPS Next 2Y8.46%
EPS Next 3Y11.36%
EPS Next 5Y10.32%
Revenue Next Year7.97%
Revenue Next 2Y7.16%
Revenue Next 3Y6.27%
Revenue Next 5Y6%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last 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 stable.
4. Valuation
4.1 Price/Earnings Ratio
EZPW is valuated reasonably with a Price/Earnings ratio of 10.33.
Compared to the rest of the industry, the Price/Earnings ratio of EZPW indicates a somewhat cheap valuation: EZPW is cheaper than 61.54% of the companies listed in the same industry.
EZPW's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.42.
With a Price/Forward Earnings ratio of 9.61, the valuation of EZPW can be described as very reasonable.
Based on the Price/Forward Earnings ratio, EZPW is valued a bit cheaper than 61.54% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of EZPW to the average of the S&P500 Index (22.56), we can say EZPW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.33 | ||
| Fwd PE | 9.61 |
4.2 Price Multiples
EZPW's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. EZPW is cheaper than 82.69% 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.17 | ||
| EV/EBITDA | 5.45 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
EZPW has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.39
PEG (5Y)2.22
EPS Next 2Y8.46%
EPS Next 3Y11.36%
5. Dividend
5.1 Amount
EZPW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EZCORP INC-CL A
NASDAQ:EZPW (12/20/2024, 11:34:51 AM)
11.67
-0.07 (-0.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners106.4%
Inst Owner Change-4.05%
Ins Owners11.92%
Ins Owner Change3.94%
Market Cap635.66M
Analysts82.22
Price Target16.15 (38.39%)
Short Float %14.99%
Short Ratio14.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.53%
Min EPS beat(2)-3.81%
Max EPS beat(2)4.88%
EPS beat(4)3
Avg EPS beat(4)8.14%
Min EPS beat(4)-3.81%
Max EPS beat(4)23.84%
EPS beat(8)7
Avg EPS beat(8)18.97%
EPS beat(12)11
Avg EPS beat(12)38.7%
EPS beat(16)14
Avg EPS beat(16)92.63%
Revenue beat(2)1
Avg Revenue beat(2)-0.6%
Min Revenue beat(2)-1.3%
Max Revenue beat(2)0.1%
Revenue beat(4)1
Avg Revenue beat(4)-0.66%
Min Revenue beat(4)-1.3%
Max Revenue beat(4)0.1%
Revenue beat(8)3
Avg Revenue beat(8)0.69%
Revenue beat(12)7
Avg Revenue beat(12)2.6%
Revenue beat(16)10
Avg Revenue beat(16)2.13%
PT rev (1m)-6.86%
PT rev (3m)-6.86%
EPS NQ rev (1m)0.47%
EPS NQ rev (3m)0.47%
EPS NY rev (1m)-4.42%
EPS NY rev (3m)-4.42%
Revenue NQ rev (1m)1.04%
Revenue NQ rev (3m)1.04%
Revenue NY rev (1m)1.35%
Revenue NY rev (3m)1.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.33 | ||
| Fwd PE | 9.61 | ||
| P/S | 0.55 | ||
| P/FCF | 8.17 | ||
| P/OCF | 5.6 | ||
| P/B | 0.79 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | 5.45 |
EPS(TTM)1.13
EY9.68%
EPS(NY)1.21
Fwd EY10.4%
FCF(TTM)1.43
FCFY12.24%
OCF(TTM)2.09
OCFY17.87%
SpS21.33
BVpS14.77
TBVpS8.07
PEG (NY)1.39
PEG (5Y)2.22
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.56% | ||
| ROE | 10.33% | ||
| ROCE | 9.26% | ||
| ROIC | 6.78% | ||
| ROICexc | 7.87% | ||
| ROICexgc | 12.04% | ||
| OM | 9.76% | ||
| PM (TTM) | 7.15% | ||
| GM | 58.74% | ||
| FCFM | 6.7% |
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-Score8
Asset Turnover0.78
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 4.23 | ||
| Debt/EBITDA | 1.54 | ||
| Cap/Depr | 108.15% | ||
| Cap/Sales | 3.08% | ||
| Interest Coverage | 9.39 | ||
| Cash Conversion | 77.58% | ||
| Profit Quality | 93.67% | ||
| Current Ratio | 2.71 | ||
| Quick Ratio | 1.99 | ||
| Altman-Z | 2.43 |
F-Score8
WACC7.23%
ROIC/WACC0.94
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)20.21%
EPS 3Y43.8%
EPS 5Y4.66%
EPS Q2Q%13.04%
EPS Next Y7.42%
EPS Next 2Y8.46%
EPS Next 3Y11.36%
EPS Next 5Y10.32%
Revenue 1Y (TTM)10.73%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%8.89%
Revenue Next Year7.97%
Revenue Next 2Y7.16%
Revenue Next 3Y6.27%
Revenue Next 5Y6%
EBIT growth 1Y20.59%
EBIT growth 3Y51.97%
EBIT growth 5Y17.14%
EBIT Next Year43.25%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y26.77%
FCF growth 3Y50.57%
FCF growth 5Y3.77%
OCF growth 1Y11.59%
OCF growth 3Y34.78%
OCF growth 5Y1.88%