21.69 USD
+0.23 (+1.07%)
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 has only an average score on both its financial health and profitability. EZPW has a correct valuation and a medium growth rate.
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.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 5.62%, EZPW is in the better half of the industry, outperforming 72.73% of the companies in the same industry.
EZPW has a Return On Equity (10.69%) which is comparable to the rest of the industry.
EZPW's Return On Invested Capital of 6.29% is fine compared to the rest of the industry. EZPW outperforms 65.45% of its industry peers.
The Average Return On Invested Capital over the past 3 years for EZPW is significantly below the industry average of 12.42%.
The 3 year average ROIC (6.16%) for EZPW is below the current ROIC(6.29%), indicating increased profibility in the last year.
| 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
Looking at the Profit Margin, with a value of 8.60%, EZPW is doing worse than 61.82% of the companies in the same industry.
In the last couple of years the Profit Margin of EZPW has grown nicely.
EZPW has a Operating Margin of 11.79%. This is comparable to the rest of the industry: EZPW outperforms 50.91% of its industry peers.
EZPW's Operating Margin has improved in the last couple of years.
The Gross Margin of EZPW (58.55%) is comparable to the rest of the 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%
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 more shares outstanding than it did 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 has a better Altman-Z score (2.76) than 89.09% 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.
Looking at the Debt to FCF ratio, with a value of 4.70, EZPW is in the better half of the industry, outperforming 78.18% of the companies in the same industry.
EZPW has a Debt/Equity ratio of 0.51. This is a neutral value indicating EZPW is somewhat dependend on debt financing.
EZPW has a better Debt to Equity ratio (0.51) than 72.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 4.7 | ||
| Altman-Z | 2.76 |
ROIC/WACC0.88
WACC7.13%
2.3 Liquidity
A Current Ratio of 5.61 indicates that EZPW has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 5.61, EZPW belongs to the top of the industry, outperforming 90.91% of the companies in the same industry.
A Quick Ratio of 4.37 indicates that EZPW has no problem at all paying its short term obligations.
The Quick ratio of EZPW (4.37) is better than 89.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.61 | ||
| Quick Ratio | 4.37 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 26.55% over the past year.
Measured over the past years, EZPW shows a very strong growth in Earnings Per Share. The EPS has been growing by 29.67% on average per year.
EZPW shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.70%.
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)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
EZPW is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.21% yearly.
The Revenue is expected to grow by 6.64% on average over the next years.
EPS Next Y4.14%
EPS Next 2Y9.98%
EPS Next 3Y12.85%
EPS Next 5Y10.21%
Revenue Next Year11.32%
Revenue Next 2Y9.54%
Revenue Next 3Y9.35%
Revenue Next 5Y6.64%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 15.17 indicates a correct valuation of EZPW.
Based on the Price/Earnings ratio, EZPW is valued a bit more expensive than 63.64% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.00. EZPW is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 14.56, EZPW is valued correctly.
EZPW's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.70, EZPW is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.17 | ||
| Fwd PE | 14.56 |
4.2 Price Multiples
EZPW's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. EZPW is cheaper than 78.18% of the companies in the same industry.
EZPW's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.96 | ||
| EV/EBITDA | 7.42 |
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.
The decent profitability rating of EZPW 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)3.66
PEG (5Y)0.51
EPS Next 2Y9.98%
EPS Next 3Y12.85%
5. Dividend
5.1 Amount
No dividends for EZPW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:EZPW (1/9/2026, 11:26:06 AM)
21.69
+0.23 (+1.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners114.86%
Inst Owner Change0%
Ins Owners5.23%
Ins Owner Change9.04%
Market Cap1.32B
Revenue(TTM)1.27B
Net Income(TTM)109.61M
Analysts80
Price Target24.31 (12.08%)
Short Float %24.1%
Short Ratio14.18
Dividend
| Industry Rank | Sector 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)21.86%
Min EPS beat(2)13.27%
Max EPS beat(2)30.46%
EPS beat(4)4
Avg EPS beat(4)15.63%
Min EPS beat(4)7.53%
Max EPS beat(4)30.46%
EPS beat(8)7
Avg EPS beat(8)11.89%
EPS beat(12)11
Avg EPS beat(12)17.86%
EPS beat(16)15
Avg EPS beat(16)32.94%
Revenue beat(2)2
Avg Revenue beat(2)1.27%
Min Revenue beat(2)0.78%
Max Revenue beat(2)1.76%
Revenue beat(4)2
Avg Revenue beat(4)-0.86%
Min Revenue beat(4)-3.23%
Max Revenue beat(4)1.76%
Revenue beat(8)3
Avg Revenue beat(8)-0.76%
Revenue beat(12)5
Avg Revenue beat(12)0.17%
Revenue beat(16)9
Avg Revenue beat(16)1.73%
PT rev (1m)0.7%
PT rev (3m)14.58%
EPS NQ rev (1m)-1.04%
EPS NQ rev (3m)0.99%
EPS NY rev (1m)0.49%
EPS NY rev (3m)2.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.25%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.17 | ||
| Fwd PE | 14.56 | ||
| P/S | 1.04 | ||
| P/FCF | 11.96 | ||
| P/OCF | 8.86 | ||
| P/B | 1.29 | ||
| P/tB | 2.06 | ||
| EV/EBITDA | 7.42 |
EPS(TTM)1.43
EY6.59%
EPS(NY)1.49
Fwd EY6.87%
FCF(TTM)1.81
FCFY8.36%
OCF(TTM)2.45
OCFY11.28%
SpS20.93
BVpS16.84
TBVpS10.54
PEG (NY)3.66
PEG (5Y)0.51
Graham Number23.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.62% | ||
| ROE | 10.69% | ||
| ROCE | 8.58% | ||
| ROIC | 6.29% | ||
| ROICexc | 8.59% | ||
| ROICexgc | 12.26% | ||
| OM | 11.79% | ||
| PM (TTM) | 8.6% | ||
| GM | 58.55% | ||
| FCFM | 8.67% |
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 Turnover0.65
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 4.7 | ||
| Debt/EBITDA | 2.84 | ||
| Cap/Depr | 118.51% | ||
| Cap/Sales | 3.03% | ||
| Interest Coverage | 13.55 | ||
| Cash Conversion | 81.54% | ||
| Profit Quality | 100.74% | ||
| Current Ratio | 5.61 | ||
| Quick Ratio | 4.37 | ||
| Altman-Z | 2.76 |
F-Score6
WACC7.13%
ROIC/WACC0.88
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)26.55%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.77%
EPS Next Y4.14%
EPS Next 2Y9.98%
EPS Next 3Y12.85%
EPS Next 5Y10.21%
Revenue 1Y (TTM)9.7%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%14.35%
Revenue Next Year11.32%
Revenue Next 2Y9.54%
Revenue Next 3Y9.35%
Revenue Next 5Y6.64%
EBIT growth 1Y32.49%
EBIT growth 3Y25.16%
EBIT growth 5Y40.43%
EBIT Next Year39.97%
EBIT Next 3Y25.33%
EBIT Next 5YN/A
FCF growth 1Y41.87%
FCF growth 3Y47.23%
FCF growth 5Y39.91%
OCF growth 1Y31.15%
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 5 / 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 15.17 and the Price/Book (PB) ratio is 1.29.