EZCORP INC-CL A (EZPW) Stock Fundamental Analysis

NASDAQ:EZPW • US3023011063

25.43 USD
+0.31 (+1.23%)
At close: Feb 24, 2026
25.43 USD
0 (0%)
After Hours: 2/24/2026, 8:24:16 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Taking everything into account, EZPW scores 6 out of 10 in our fundamental rating. EZPW was compared to 54 industry peers in the Consumer Finance industry. EZPW is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. EZPW is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! This makes EZPW very considerable for growth investing!


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year EZPW was profitable.
  • EZPW had a positive operating cash flow in the past year.
  • 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.
EZPW Yearly Net Income VS EBIT VS OCF VS FCFEZPW Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M 150M

1.2 Ratios

  • EZPW has a better Return On Assets (6.18%) than 72.22% of its industry peers.
  • EZPW has a Return On Equity of 11.48%. This is comparable to the rest of the industry: EZPW outperforms 46.30% of its industry peers.
  • EZPW has a Return On Invested Capital of 6.89%. This is in the better half of the industry: EZPW outperforms 64.81% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for EZPW is significantly below the industry average of 12.20%.
  • The 3 year average ROIC (6.16%) for EZPW is below the current ROIC(6.89%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 6.18%
ROE 11.48%
ROIC 6.89%
ROA(3y)4.6%
ROA(5y)3.64%
ROE(3y)8.73%
ROE(5y)6.94%
ROIC(3y)6.16%
ROIC(5y)5.06%
EZPW Yearly ROA, ROE, ROICEZPW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 -10

1.3 Margins

  • EZPW has a worse Profit Margin (9.20%) than 61.11% of its industry peers.
  • EZPW's Profit Margin has improved in the last couple of years.
  • With a Operating Margin value of 12.64%, EZPW perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • EZPW's Operating Margin has improved in the last couple of years.
  • EZPW has a Gross Margin of 58.65%. This is comparable to the rest of the industry: EZPW outperforms 57.41% 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 RankSector Rank
OM 12.64%
PM (TTM) 9.2%
GM 58.65%
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%
EZPW Yearly Profit, Operating, Gross MarginsEZPW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EZPW is destroying value.
  • Compared to 1 year ago, EZPW has more shares outstanding
  • The number of shares outstanding for EZPW has been increased compared to 5 years ago.
  • The debt/assets ratio for EZPW is higher compared to a year ago.
EZPW Yearly Shares OutstandingEZPW Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
EZPW Yearly Total Debt VS Total AssetsEZPW Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • EZPW has an Altman-Z score of 3.01. This indicates that EZPW is financially healthy and has little risk of bankruptcy at the moment.
  • EZPW has a better Altman-Z score (3.01) than 90.74% of its industry peers.
  • EZPW has a debt to FCF ratio of 4.27. This is a neutral value as EZPW would need 4.27 years to pay back of all of its debts.
  • EZPW has a better Debt to FCF ratio (4.27) than 75.93% of its industry peers.
  • A Debt/Equity ratio of 0.48 indicates that EZPW is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.48, EZPW is doing good in the industry, outperforming 75.93% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 4.27
Altman-Z 3.01
ROIC/WACC0.95
WACC7.23%
EZPW Yearly LT Debt VS Equity VS FCFEZPW Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.3 Liquidity

  • EZPW has a Current Ratio of 6.03. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
  • EZPW's Current ratio of 6.03 is amongst the best of the industry. EZPW outperforms 90.74% of its industry peers.
  • A Quick Ratio of 4.69 indicates that EZPW has no problem at all paying its short term obligations.
  • The Quick ratio of EZPW (4.69) is better than 87.04% of its industry peers.
Industry RankSector Rank
Current Ratio 6.03
Quick Ratio 4.69
EZPW Yearly Current Assets VS Current LiabilitesEZPW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. Growth

3.1 Past

  • EZPW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 31.09%, which is quite impressive.
  • EZPW shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 29.67% yearly.
  • The Revenue has grown by 13.06% in the past year. This is quite good.
  • EZPW shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.14% yearly.
EPS 1Y (TTM)31.09%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.95%
Revenue 1Y (TTM)13.06%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%19.32%

3.2 Future

  • The Earnings Per Share is expected to grow by 15.16% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 11.78% on average over the next years. This is quite good.
EPS Next Y4.91%
EPS Next 2Y10.39%
EPS Next 3Y12.85%
EPS Next 5Y15.16%
Revenue Next Year22.64%
Revenue Next 2Y16.61%
Revenue Next 3Y13.76%
Revenue Next 5Y11.78%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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 accelerating.
EZPW Yearly Revenue VS EstimatesEZPW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 500M 1B 1.5B 2B
EZPW Yearly EPS VS EstimatesEZPW Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 1 -1 2

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 16.30 indicates a correct valuation of EZPW.
  • 66.67% of the companies in the same industry are cheaper than EZPW, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.98, EZPW is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 14.59, which indicates a correct valuation of EZPW.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of EZPW indicates a slightly more expensive valuation: EZPW is more expensive than 62.96% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.01, EZPW is valued a bit cheaper.
Industry RankSector Rank
PE 16.3
Fwd PE 14.59
EZPW Price Earnings VS Forward Price EarningsEZPW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, EZPW is valued a bit cheaper than 72.22% of the companies in the same industry.
  • EZPW's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.89
EV/EBITDA 7.94
EZPW Per share dataEZPW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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.
  • EZPW has a very decent profitability rating, which 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)3.32
PEG (5Y)0.55
EPS Next 2Y10.39%
EPS Next 3Y12.85%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • EZPW does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

EZCORP INC-CL A

NASDAQ:EZPW (2/24/2026, 8:24:16 PM)

After market: 25.43 0 (0%)

25.43

+0.31 (+1.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-04
Earnings (Next)04-27
Inst Owners114.86%
Inst Owner Change4.96%
Ins Owners5.23%
Ins Owner Change8.27%
Market Cap1.57B
Revenue(TTM)1.34B
Net Income(TTM)122.90M
Analysts80
Price Target25.84 (1.61%)
Short Float %24.36%
Short Ratio11.92
Dividend
Industry RankSector 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)22.12%
Min EPS beat(2)13.27%
Max EPS beat(2)30.97%
EPS beat(4)4
Avg EPS beat(4)20.55%
Min EPS beat(4)7.53%
Max EPS beat(4)30.97%
EPS beat(8)7
Avg EPS beat(8)12.78%
EPS beat(12)11
Avg EPS beat(12)18.38%
EPS beat(16)15
Avg EPS beat(16)33.83%
Revenue beat(2)2
Avg Revenue beat(2)3.04%
Min Revenue beat(2)1.76%
Max Revenue beat(2)4.31%
Revenue beat(4)3
Avg Revenue beat(4)0.91%
Min Revenue beat(4)-3.23%
Max Revenue beat(4)4.31%
Revenue beat(8)4
Avg Revenue beat(8)-0.14%
Revenue beat(12)5
Avg Revenue beat(12)0.05%
Revenue beat(16)9
Avg Revenue beat(16)1.49%
PT rev (1m)2.01%
PT rev (3m)7.04%
EPS NQ rev (1m)13.79%
EPS NQ rev (3m)12.28%
EPS NY rev (1m)0%
EPS NY rev (3m)2.3%
Revenue NQ rev (1m)12.52%
Revenue NQ rev (3m)15.03%
Revenue NY rev (1m)9.71%
Revenue NY rev (3m)15.26%
Valuation
Industry RankSector Rank
PE 16.3
Fwd PE 14.59
P/S 1.17
P/FCF 12.89
P/OCF 9.68
P/B 1.47
P/tB 2.31
EV/EBITDA 7.94
EPS(TTM)1.56
EY6.13%
EPS(NY)1.74
Fwd EY6.85%
FCF(TTM)1.97
FCFY7.76%
OCF(TTM)2.63
OCFY10.33%
SpS21.66
BVpS17.35
TBVpS11.02
PEG (NY)3.32
PEG (5Y)0.55
Graham Number24.68
Profitability
Industry RankSector Rank
ROA 6.18%
ROE 11.48%
ROCE 9.4%
ROIC 6.89%
ROICexc 9.3%
ROICexgc 13.16%
OM 12.64%
PM (TTM) 9.2%
GM 58.65%
FCFM 9.11%
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 Turnover0.67
Health
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 4.27
Debt/EBITDA 2.57
Cap/Depr 122.6%
Cap/Sales 3.02%
Interest Coverage 250
Cash Conversion 80.31%
Profit Quality 99.05%
Current Ratio 6.03
Quick Ratio 4.69
Altman-Z 3.01
F-Score6
WACC7.23%
ROIC/WACC0.95
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 5Y15.16%
Revenue 1Y (TTM)13.06%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%19.32%
Revenue Next Year22.64%
Revenue Next 2Y16.61%
Revenue Next 3Y13.76%
Revenue Next 5Y11.78%
EBIT growth 1Y42.68%
EBIT growth 3Y25.16%
EBIT growth 5Y40.43%
EBIT Next Year40.71%
EBIT Next 3Y25.33%
EBIT Next 5YN/A
FCF growth 1Y70.98%
FCF growth 3Y47.23%
FCF growth 5Y39.91%
OCF growth 1Y45.31%
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 6 / 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 16.3 and the Price/Book (PB) ratio is 1.47.