EZPW gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. EZPW has only an average score on both its financial health and profitability. EZPW has a decent growth rate and is not valued too expensively.

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year EZPW was profitable.
In the past year EZPW had a positive cash flow from operations.
In the past 5 years EZPW has always been profitable.
In the past 5 years EZPW always reported a positive cash flow from operatings.

1.2 Ratios

EZPW's Return On Assets of 5.62% is fine compared to the rest of the industry. EZPW outperforms 71.70% of its industry peers.
EZPW's Return On Equity of 10.69% is in line compared to the rest of the industry. EZPW outperforms 41.51% of its industry peers.
The Return On Invested Capital of EZPW (6.29%) is better than 64.15% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for EZPW is significantly below the industry average of 12.42%.
The last Return On Invested Capital (6.29%) for EZPW is above the 3 year average (6.16%), which is a sign of increasing profitability.

		Industry Rank	Sector Rank
ROA	5.62%
ROE	10.69%
ROIC	6.29%

ROA(3y)4.6%

ROA(5y)3.64%

ROE(3y)8.73%

ROE(5y)6.94%

ROIC(3y)6.16%

ROIC(5y)5.06%

1.3 Margins

EZPW has a worse Profit Margin (8.60%) than 64.15% of its industry peers.
EZPW's Profit Margin has improved in the last couple of years.
EZPW has a Operating Margin (11.79%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of EZPW has grown nicely.
Looking at the Gross Margin, with a value of 58.55%, EZPW is in line with its industry, outperforming 58.49% of the companies in the same industry.
EZPW's Gross Margin has been stable in the last couple of years.

		Industry Rank	Sector Rank
OM	11.79%
PM (TTM)	8.6%
GM	58.55%

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EZPW is destroying value.
The number of shares outstanding for EZPW has been increased compared to 1 year ago.
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.

2.2 Solvency

An Altman-Z score of 2.76 indicates that EZPW is not a great score, but indicates only limited risk for bankruptcy at the moment.
EZPW's Altman-Z score of 2.76 is amongst the best of the industry. EZPW outperforms 88.68% of its industry peers.
EZPW has a debt to FCF ratio of 4.70. This is a neutral value as EZPW would need 4.70 years to pay back of all of its debts.
EZPW has a better Debt to FCF ratio (4.70) than 77.36% of its industry peers.
EZPW has a Debt/Equity ratio of 0.51. This is a neutral value indicating EZPW is somewhat dependend on debt financing.
EZPW's Debt to Equity ratio of 0.51 is fine compared to the rest of the industry. EZPW outperforms 73.58% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.51
Debt/FCF	4.7
Altman-Z	2.76

ROIC/WACC0.88

WACC7.14%

2.3 Liquidity

A Current Ratio of 5.61 indicates that EZPW has no problem at all paying its short term obligations.
EZPW's Current ratio of 5.61 is amongst the best of the industry. EZPW outperforms 90.57% of its industry peers.
EZPW has a Quick Ratio of 4.37. 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 4.37, EZPW belongs to the top of the industry, outperforming 90.57% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	5.61
Quick Ratio	4.37

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WACC

Debt/Equity

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Altman-Z score

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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
Looking at the last year, EZPW shows a quite strong growth in Revenue. The Revenue has grown by 9.70% in the last year.
The Revenue has been growing by 9.14% on average over the past years. This is quite good.

EPS 1Y (TTM)26.55%

EPS 3Y24%

EPS 5Y29.67%

EPS Q2Q%30.77%

Revenue 1Y (TTM)9.7%

Revenue growth 3Y12.87%

Revenue growth 5Y9.14%

Sales Q2Q%14.35%

3.2 Future

The Earnings Per Share is expected to grow by 10.21% on average over the next years. This is quite good.
EZPW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.64% yearly.

EPS Next Y4.91%

EPS Next 2Y10.39%

EPS Next 3Y12.85%

EPS Next 5Y10.21%

Revenue Next Year11.79%

Revenue Next 2Y10.39%

Revenue Next 3Y9.35%

Revenue Next 5Y6.64%

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

EZPW is valuated correctly with a Price/Earnings ratio of 14.67.
Based on the Price/Earnings ratio, EZPW is valued a bit more expensive than 64.15% of the companies in the same industry.
EZPW's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.60.
A Price/Forward Earnings ratio of 13.98 indicates a correct valuation of EZPW.
Based on the Price/Forward Earnings ratio, EZPW is valued a bit more expensive than 60.38% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 25.83, EZPW is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	14.67
Fwd PE	13.98

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, EZPW is valued a bit cheaper than 77.36% of the companies in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as EZPW.

		Industry Rank	Sector Rank
P/FCF	11.57
EV/EBITDA	7.38

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.