EZCORP INC-CL A (EZPW) Fundamental Analysis & Valuation

NASDAQ:EZPW • US3023011063

Current stock price

28.39 USD
+0.36 (+1.28%)
Last:

This EZPW fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. EZPW Profitability Analysis

1.1 Basic Checks

  • EZPW had positive earnings in the past year.
  • In the past year EZPW had a positive cash flow from operations.
  • Each year in the past 5 years EZPW has been profitable.
  • EZPW had a positive operating cash flow in each of the past 5 years.
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

  • The Return On Assets of EZPW (6.18%) is better than 72.22% of its industry peers.
  • EZPW has a worse Return On Equity (11.48%) than 61.11% of its industry peers.
  • With a decent Return On Invested Capital value of 6.89%, EZPW is doing good in the industry, outperforming 64.81% of the companies in the same industry.
  • EZPW had an Average Return On Invested Capital over the past 3 years of 6.16%. This is below the industry average of 9.87%.
  • The last Return On Invested Capital (6.89%) for EZPW is above the 3 year average (6.16%), which is a sign of increasing profitability.
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 Profit Margin (9.20%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of EZPW has grown nicely.
  • EZPW has a Operating Margin of 12.64%. This is comparable to the rest of the industry: EZPW outperforms 53.70% of its industry peers.
  • In the last couple of years the Operating Margin of EZPW has grown nicely.
  • The Gross Margin of EZPW (58.65%) is comparable to the rest of the industry.
  • 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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7

2. EZPW Health Analysis

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 more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for EZPW has been increased compared to 5 years ago.
  • Compared to 1 year ago, EZPW has a worse debt to assets ratio.
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

  • An Altman-Z score of 3.12 indicates that EZPW is not in any danger for bankruptcy at the moment.
  • EZPW has a Altman-Z score of 3.12. This is amongst the best in the industry. EZPW outperforms 90.74% of its industry peers.
  • The Debt to FCF ratio of EZPW is 4.27, which is a neutral value as it means it would take EZPW, 4.27 years of fcf income to pay off all of its debts.
  • EZPW has a Debt to FCF ratio of 4.27. This is in the better half of the industry: EZPW outperforms 75.93% of its industry peers.
  • EZPW has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.48, EZPW is in the better half of the industry, outperforming 74.07% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 4.27
Altman-Z 3.12
ROIC/WACC0.91
WACC7.58%
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 has a Current ratio of 6.03. This is amongst the best in the industry. EZPW outperforms 92.59% of its industry peers.
  • A Quick Ratio of 4.69 indicates that EZPW has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 4.69, EZPW belongs to the top of the industry, outperforming 90.74% of the companies in the same industry.
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. EZPW Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 31.09% over the past year.
  • 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 13.06%.
  • Measured over the past years, EZPW shows a quite strong growth in Revenue. The Revenue has been growing by 9.14% on average per year.
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

  • Based on estimates for the next years, EZPW will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.16% on average per year.
  • The Revenue is expected to grow by 11.78% on average over the next years. This is quite good.
EPS Next Y23.82%
EPS Next 2Y18.58%
EPS Next 3Y17.34%
EPS Next 5Y15.16%
Revenue Next Year24.82%
Revenue Next 2Y17.88%
Revenue Next 3Y14.52%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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. EZPW Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 18.20, the valuation of EZPW can be described as rather expensive.
  • Based on the Price/Earnings ratio, EZPW is valued a bit more expensive than the industry average as 74.07% of the companies are valued more cheaply.
  • When comparing the Price/Earnings ratio of EZPW to the average of the S&P500 Index (26.91), we can say EZPW is valued slightly cheaper.
  • Based on the Price/Forward Earnings ratio of 14.12, the valuation of EZPW can be described as correct.
  • Based on the Price/Forward Earnings ratio, EZPW is valued a bit more expensive than the industry average as 61.11% of the companies are valued more cheaply.
  • EZPW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.69, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 18.2
Fwd PE 14.12
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

  • EZPW's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. EZPW is cheaper than 75.93% 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 14.39
EV/EBITDA 8.83
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of EZPW may justify a higher PE ratio.
  • EZPW's earnings are expected to grow with 17.34% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.76
PEG (5Y)0.61
EPS Next 2Y18.58%
EPS Next 3Y17.34%

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

0

5. EZPW Dividend Analysis

5.1 Amount

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

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Find the best dividend stocksShow peers with best dividend

EZPW Fundamentals: All Metrics, Ratios and Statistics

EZCORP INC-CL A

NASDAQ:EZPW (4/9/2026, 1:13:11 PM)

28.39

+0.36 (+1.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-04
Earnings (Next)04-27
Inst Owners116.04%
Inst Owner Change-0.04%
Ins Owners5.05%
Ins Owner Change10.27%
Market Cap1.75B
Revenue(TTM)1.34B
Net Income(TTM)122.90M
Analysts80
Price Target32.98 (16.17%)
Short Float %21.95%
Short Ratio12.56
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)0%
PT rev (3m)35.66%
EPS NQ rev (1m)3.06%
EPS NQ rev (3m)25.49%
EPS NY rev (1m)0%
EPS NY rev (3m)18.89%
Revenue NQ rev (1m)0.9%
Revenue NQ rev (3m)15.69%
Revenue NY rev (1m)0.5%
Revenue NY rev (3m)12.13%
Valuation
Industry RankSector Rank
PE 18.2
Fwd PE 14.12
P/S 1.31
P/FCF 14.39
P/OCF 10.8
P/B 1.64
P/tB 2.58
EV/EBITDA 8.83
EPS(TTM)1.56
EY5.49%
EPS(NY)2.01
Fwd EY7.08%
FCF(TTM)1.97
FCFY6.95%
OCF(TTM)2.63
OCFY9.26%
SpS21.66
BVpS17.35
TBVpS11.02
PEG (NY)0.76
PEG (5Y)0.61
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 3.12
F-Score6
WACC7.58%
ROIC/WACC0.91
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 Y23.82%
EPS Next 2Y18.58%
EPS Next 3Y17.34%
EPS Next 5Y15.16%
Revenue 1Y (TTM)13.06%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%19.32%
Revenue Next Year24.82%
Revenue Next 2Y17.88%
Revenue Next 3Y14.52%
Revenue Next 5Y11.78%
EBIT growth 1Y42.68%
EBIT growth 3Y25.16%
EBIT growth 5Y40.43%
EBIT Next Year63.71%
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 Fundamental Analysis 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.


Can you provide the profitability details for EZCORP INC-CL A?

EZCORP INC-CL A (EZPW) has a profitability rating of 6 / 10.


How financially healthy is EZCORP INC-CL A?

The financial health rating of EZCORP INC-CL A (EZPW) is 7 / 10.