EZCORP INC-CL A (EZPW) Stock Fundamental Analysis
USA - NASDAQ:EZPW - US3023011063 - Common Stock
17.61 USD
-0.29 (-1.62%)
17.54 USD
-0.07 (-0.4%)
EZPW gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 55 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 has a decent growth rate and is not valued too expensively.
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.
Of the past 5 years EZPW 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of EZPW (5.21%) is better than 72.73% of its industry peers.
With a Return On Equity value of 9.91%, EZPW perfoms like the industry average, outperforming 47.27% of the companies in the same industry.
EZPW has a Return On Invested Capital of 5.95%. This is in the better half of the industry: EZPW outperforms 67.27% of its industry peers.
EZPW had an Average Return On Invested Capital over the past 3 years of 5.62%. This is significantly below the industry average of 11.61%.
The last Return On Invested Capital (5.95%) for EZPW is above the 3 year average (5.62%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.21% | ||
| ROE | 9.91% | ||
| ROIC | 5.95% |
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
Looking at the Profit Margin, with a value of 7.96%, EZPW is in line with its industry, outperforming 43.64% of the companies in the same industry.
In the last couple of years the Profit Margin of EZPW has grown nicely.
The Operating Margin of EZPW (11.30%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of EZPW has grown nicely.
The Gross Margin of EZPW (58.67%) 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.3% | ||
| PM (TTM) | 7.96% | ||
| GM | 58.67% |
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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
EZPW has an Altman-Z score of 2.64. 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 2.64. This is amongst the best in the industry. EZPW outperforms 83.64% of its industry peers.
EZPW has a debt to FCF ratio of 5.24. This is a neutral value as EZPW would need 5.24 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 5.24, EZPW is doing good in the industry, outperforming 74.55% of the companies in the same industry.
A Debt/Equity ratio of 0.52 indicates that EZPW is somewhat dependend on debt financing.
The Debt to Equity ratio of EZPW (0.52) is better than 70.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 5.24 | ||
| Altman-Z | 2.64 |
ROIC/WACC0.62
WACC9.59%
2.3 Liquidity
A Current Ratio of 6.31 indicates that EZPW has no problem at all paying its short term obligations.
EZPW has a Current ratio of 6.31. This is amongst the best in the industry. EZPW outperforms 90.91% of its industry peers.
EZPW has a Quick Ratio of 5.00. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 5.00, EZPW belongs to the top of the industry, outperforming 87.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6.31 | ||
| Quick Ratio | 5 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 26.55% 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
EPS 1Y (TTM)26.55%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.77%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%14.35%
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 10.10% yearly.
EZPW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.40% yearly.
EPS Next Y2.56%
EPS Next 2Y7.2%
EPS Next 3Y10.27%
EPS Next 5Y10.1%
Revenue Next Year6.57%
Revenue Next 2Y8.33%
Revenue Next 3Y6.68%
Revenue Next 5Y6.4%
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.
4. Valuation
4.1 Price/Earnings Ratio
EZPW is valuated correctly with a Price/Earnings ratio of 12.31.
Compared to the rest of the industry, the Price/Earnings ratio of EZPW indicates a slightly more expensive valuation: EZPW is more expensive than 60.00% 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 25.07.
EZPW is valuated correctly with a Price/Forward Earnings ratio of 12.01.
The rest of the industry has a similar Price/Forward Earnings ratio as EZPW.
EZPW is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.08, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.31 | ||
| Fwd PE | 12.01 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of EZPW indicates a somewhat cheap valuation: EZPW is cheaper than 76.36% of the companies listed in the same industry.
EZPW's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.82 | ||
| EV/EBITDA | 6.52 |
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.
PEG (NY)4.81
PEG (5Y)0.41
EPS Next 2Y7.2%
EPS Next 3Y10.27%
5. Dividend
5.1 Amount
EZPW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
17.61
-0.29 (-1.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners115.3%
Inst Owner Change0.96%
Ins Owners4.2%
Ins Owner Change-0.98%
Market Cap1.07B
Revenue(TTM)N/A
Net Income(TTM)98.11M
Analysts80
Price Target24.14 (37.08%)
Short Float %20.33%
Short Ratio13.66
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)18.99%
Min EPS beat(2)7.53%
Max EPS beat(2)30.46%
EPS beat(4)3
Avg EPS beat(4)11.36%
Min EPS beat(4)-3.81%
Max EPS beat(4)30.46%
EPS beat(8)7
Avg EPS beat(8)12.56%
EPS beat(12)11
Avg EPS beat(12)18.63%
EPS beat(16)15
Avg EPS beat(16)60.82%
Revenue beat(2)1
Avg Revenue beat(2)-1.23%
Min Revenue beat(2)-3.23%
Max Revenue beat(2)0.78%
Revenue beat(4)2
Avg Revenue beat(4)-1.28%
Min Revenue beat(4)-3.23%
Max Revenue beat(4)0.78%
Revenue beat(8)2
Avg Revenue beat(8)-1.01%
Revenue beat(12)5
Avg Revenue beat(12)0.81%
Revenue beat(16)9
Avg Revenue beat(16)2.13%
PT rev (1m)9.62%
PT rev (3m)8.57%
EPS NQ rev (1m)1.57%
EPS NQ rev (3m)1.16%
EPS NY rev (1m)0%
EPS NY rev (3m)5.39%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)2.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.31 | ||
| Fwd PE | 12.01 | ||
| P/S | 0.87 | ||
| P/FCF | 10.82 | ||
| P/OCF | 7.6 | ||
| P/B | 1.08 | ||
| P/tB | 1.76 | ||
| EV/EBITDA | 6.52 |
EPS(TTM)1.43
EY8.12%
EPS(NY)1.47
Fwd EY8.33%
FCF(TTM)1.63
FCFY9.24%
OCF(TTM)2.32
OCFY13.15%
SpS20.23
BVpS16.26
TBVpS10.02
PEG (NY)4.81
PEG (5Y)0.41
Graham Number22.87
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.21% | ||
| ROE | 9.91% | ||
| ROCE | 8.14% | ||
| ROIC | 5.95% | ||
| ROICexc | 8.22% | ||
| ROICexgc | 11.86% | ||
| OM | 11.3% | ||
| PM (TTM) | 7.96% | ||
| GM | 58.67% | ||
| FCFM | 8.05% |
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%
ROICexgc growth 3Y37.52%
ROICexgc 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-Score7
Asset Turnover0.65
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 5.24 | ||
| Debt/EBITDA | 3.02 | ||
| Cap/Depr | 129.12% | ||
| Cap/Sales | 3.4% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 82.17% | ||
| Profit Quality | 101.04% | ||
| Current Ratio | 6.31 | ||
| Quick Ratio | 5 | ||
| Altman-Z | 2.64 |
F-Score7
WACC9.59%
ROIC/WACC0.62
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)26.55%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.77%
EPS Next Y2.56%
EPS Next 2Y7.2%
EPS Next 3Y10.27%
EPS Next 5Y10.1%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%14.35%
Revenue Next Year6.57%
Revenue Next 2Y8.33%
Revenue Next 3Y6.68%
Revenue Next 5Y6.4%
EBIT growth 1Y32.85%
EBIT growth 3Y51.97%
EBIT growth 5Y17.14%
EBIT Next Year71.08%
EBIT Next 3Y28.04%
EBIT Next 5YN/A
FCF growth 1Y95.5%
FCF growth 3Y50.57%
FCF growth 5Y3.77%
OCF growth 1Y52.83%
OCF growth 3Y34.78%
OCF growth 5Y1.88%
EZCORP INC-CL A / EZPW FAQ
What is the fundamental rating for EZPW stock?
ChartMill assigns a fundamental rating of 5 / 10 to EZPW.
Can you provide the valuation status for EZCORP INC-CL A?
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.
What is the financial health of EZCORP INC-CL A (EZPW) stock?
The financial health rating of EZCORP INC-CL A (EZPW) is 7 / 10.
Can you provide the expected EPS growth for EZPW stock?
The Earnings per Share (EPS) of EZCORP INC-CL A (EZPW) is expected to grow by 2.56% in the next year.