EZCORP INC-CL A (EZPW) Stock Fundamental Analysis
NASDAQ:EZPW - Nasdaq - US3023011063 - Common Stock - Currency: USD
Overall EZPW gets a fundamental rating of 6 out of 10. We evaluated EZPW against 53 industry peers in the Consumer Finance industry. Both the health and profitability get an excellent rating, making EZPW a very profitable company, without any liquidiy or solvency issues. A decent growth rate in combination with a cheap valuation! Better keep an eye on EZPW. These ratings could make EZPW a good candidate for value and quality investing.
1. Profitability
1.1 Basic Checks
EZPW had positive earnings in the past year.
EZPW had a positive operating cash flow in the past year.
Of the past 5 years EZPW 4 years were profitable.
In the past 5 years EZPW always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of EZPW (5.71%) is better than 80.77% of its industry peers.
EZPW has a Return On Equity of 10.39%. This is comparable to the rest of the industry: EZPW outperforms 51.92% of its industry peers.
With a decent Return On Invested Capital value of 6.96%, EZPW is doing good in the industry, outperforming 76.92% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for EZPW is in line with the industry average of 7.30%.
The 3 year average ROIC (5.62%) for EZPW is below the current ROIC(6.96%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.71% | ||
| ROE | 10.39% | ||
| ROIC | 6.96% |
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 7.25% is in line compared to the rest of the industry. EZPW outperforms 48.08% of its industry peers.
In the last couple of years the Profit Margin of EZPW has grown nicely.
EZPW has a Operating Margin of 10.02%. This is comparable to the rest of the industry: EZPW outperforms 53.85% of its industry peers.
In the last couple of years the Operating Margin of EZPW has grown nicely.
EZPW has a Gross Margin of 58.82%. This is in the better half of the industry: EZPW outperforms 63.46% 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 | 10.02% | ||
| PM (TTM) | 7.25% | ||
| GM | 58.82% |
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%
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.
EZPW has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.60 indicates that EZPW is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of EZPW (2.60) is better than 82.69% of its industry peers.
EZPW has a debt to FCF ratio of 3.92. This is a good value and a sign of high solvency as EZPW would need 3.92 years to pay back of all of its debts.
EZPW has a better Debt to FCF ratio (3.92) than 69.23% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that EZPW is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.27, EZPW belongs to the top of the industry, outperforming 80.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 3.92 | ||
| Altman-Z | 2.6 |
ROIC/WACC0.95
WACC7.32%
2.3 Liquidity
A Current Ratio of 2.91 indicates that EZPW has no problem at all paying its short term obligations.
EZPW has a Current ratio of 2.91. This is in the better half of the industry: EZPW outperforms 76.92% of its industry peers.
EZPW has a Quick Ratio of 2.13. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
EZPW's Quick ratio of 2.13 is fine compared to the rest of the industry. EZPW outperforms 67.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.91 | ||
| Quick Ratio | 2.13 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 16.67% over the past year.
EZPW shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.66% yearly.
The Revenue has grown by 8.95% in the past year. This is quite good.
EZPW shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.52% yearly.
EPS 1Y (TTM)16.67%
EPS 3Y43.8%
EPS 5Y4.66%
EPS Q2Q%16.67%
Revenue 1Y (TTM)8.95%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%6.73%
3.2 Future
EZPW is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.32% yearly.
Based on estimates for the next years, EZPW will show a small growth in Revenue. The Revenue will grow by 6.00% on average per year.
EPS Next Y18.55%
EPS Next 2Y13.35%
EPS Next 3Y12.32%
EPS Next 5Y10.32%
Revenue Next Year0.42%
Revenue Next 2Y-0.3%
Revenue Next 3Y6.42%
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.
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
EZPW is valuated reasonably with a Price/Earnings ratio of 11.43.
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 is valuated cheaply when we compare the Price/Earnings ratio to 29.63, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.37, the valuation of EZPW can be described as reasonable.
Based on the Price/Forward Earnings ratio, EZPW is valued a bit cheaper than 63.46% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of EZPW to the average of the S&P500 Index (22.68), we can say EZPW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.43 | ||
| Fwd PE | 9.37 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, EZPW is valued cheaply inside the industry as 80.77% of the companies are valued more expensively.
The rest of the industry has a similar Price/Free Cash Flow ratio as EZPW.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.9 | ||
| EV/EBITDA | 5.96 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
EZPW has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as EZPW's earnings are expected to grow with 12.32% in the coming years.
PEG (NY)0.62
PEG (5Y)2.45
EPS Next 2Y13.35%
EPS Next 3Y12.32%
5. Dividend
5.1 Amount
No dividends for EZPW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
13.6
-0.24 (-1.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners121.27%
Inst Owner Change4.67%
Ins Owners4.77%
Ins Owner Change3.9%
Market Cap747.18M
Analysts82.22
Price Target17.34 (27.5%)
Short Float %16.36%
Short Ratio15.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0
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)3.74%
Min EPS beat(2)-3.81%
Max EPS beat(2)11.29%
EPS beat(4)3
Avg EPS beat(4)5%
Min EPS beat(4)-3.81%
Max EPS beat(4)11.29%
EPS beat(8)7
Avg EPS beat(8)17.29%
EPS beat(12)11
Avg EPS beat(12)38.26%
EPS beat(16)14
Avg EPS beat(16)69.38%
Revenue beat(2)1
Avg Revenue beat(2)-1.33%
Min Revenue beat(2)-2.77%
Max Revenue beat(2)0.1%
Revenue beat(4)1
Avg Revenue beat(4)-1.18%
Min Revenue beat(4)-2.77%
Max Revenue beat(4)0.1%
Revenue beat(8)2
Avg Revenue beat(8)-0.38%
Revenue beat(12)6
Avg Revenue beat(12)1.68%
Revenue beat(16)10
Avg Revenue beat(16)2.6%
PT rev (1m)7.37%
PT rev (3m)7.37%
EPS NQ rev (1m)9.4%
EPS NQ rev (3m)17.82%
EPS NY rev (1m)10.36%
EPS NY rev (3m)5.49%
Revenue NQ rev (1m)-12.62%
Revenue NQ rev (3m)-10.97%
Revenue NY rev (1m)-6.99%
Revenue NY rev (3m)-5.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.43 | ||
| Fwd PE | 9.37 | ||
| P/S | 0.63 | ||
| P/FCF | 8.9 | ||
| P/OCF | 6.33 | ||
| P/B | 0.91 | ||
| P/tB | 1.62 | ||
| EV/EBITDA | 5.96 |
EPS(TTM)1.19
EY8.75%
EPS(NY)1.45
Fwd EY10.67%
FCF(TTM)1.53
FCFY11.23%
OCF(TTM)2.15
OCFY15.81%
SpS21.51
BVpS15
TBVpS8.41
PEG (NY)0.62
PEG (5Y)2.45
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.71% | ||
| ROE | 10.39% | ||
| ROCE | 9.51% | ||
| ROIC | 6.96% | ||
| ROICexc | 8.09% | ||
| ROICexgc | 12.22% | ||
| OM | 10.02% | ||
| PM (TTM) | 7.25% | ||
| GM | 58.82% | ||
| FCFM | 7.1% |
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 Turnover0.79
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 3.92 | ||
| Debt/EBITDA | 1.49 | ||
| Cap/Depr | 104.11% | ||
| Cap/Sales | 2.89% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 78.1% | ||
| Profit Quality | 97.99% | ||
| Current Ratio | 2.91 | ||
| Quick Ratio | 2.13 | ||
| Altman-Z | 2.6 |
F-Score8
WACC7.32%
ROIC/WACC0.95
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)16.67%
EPS 3Y43.8%
EPS 5Y4.66%
EPS Q2Q%16.67%
EPS Next Y18.55%
EPS Next 2Y13.35%
EPS Next 3Y12.32%
EPS Next 5Y10.32%
Revenue 1Y (TTM)8.95%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%6.73%
Revenue Next Year0.42%
Revenue Next 2Y-0.3%
Revenue Next 3Y6.42%
Revenue Next 5Y6%
EBIT growth 1Y15.27%
EBIT growth 3Y51.97%
EBIT growth 5Y17.14%
EBIT Next Year43.02%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y139.09%
FCF growth 3Y50.57%
FCF growth 5Y3.77%
OCF growth 1Y70.68%
OCF growth 3Y34.78%
OCF growth 5Y1.88%