21.43 USD
-0.11 (-0.51%)
21.43 USD
0 (0%)
Taking everything into account, EZPW scores 5 out of 10 in our fundamental rating. EZPW was compared to 53 industry peers in the Consumer Finance industry. Both the profitability and the financial health of EZPW get a neutral evaluation. Nothing too spectacular is happening here. EZPW has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year EZPW was profitable.
- EZPW had a positive operating cash flow in the past year.
- 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
- With a decent Return On Assets value of 5.62%, EZPW is doing good in the industry, outperforming 71.70% of the companies in the same industry.
- EZPW has a Return On Equity (10.69%) which is in line with its industry peers.
- Looking at the Return On Invested Capital, with a value of 6.29%, EZPW is in the better half of the industry, outperforming 64.15% of the companies in the same industry.
- 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
- The Profit Margin of EZPW (8.60%) is worse than 62.26% of its industry peers.
- EZPW's Profit Margin has improved in the last couple of years.
- EZPW's Operating Margin of 11.79% is in line compared to the rest of the industry. EZPW outperforms 49.06% of its industry peers.
- In the last couple of years the Operating Margin of EZPW has grown nicely.
- EZPW has a Gross Margin of 58.55%. This is comparable to the rest of the industry: EZPW outperforms 58.49% 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 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
- 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
- EZPW has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, EZPW has a worse debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 2.77 indicates that EZPW is not a great score, but indicates only limited risk for bankruptcy at the moment.
- EZPW has a Altman-Z score of 2.77. This is amongst the best in the industry. EZPW outperforms 88.68% of its industry peers.
- The Debt to FCF ratio of EZPW is 4.70, which is a neutral value as it means it would take EZPW, 4.70 years of fcf income to pay off 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 | 2.77 |
ROIC/WACC0.88
WACC7.12%
2.3 Liquidity
- A Current Ratio of 5.61 indicates that EZPW has no problem at all paying its short term obligations.
- EZPW has a better Current ratio (5.61) than 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.
- EZPW has a better Quick ratio (4.37) than 90.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.61 | ||
| Quick Ratio | 4.37 |
3. Growth
3.1 Past
- EZPW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.55%, which is quite impressive.
- The Earnings Per Share has been growing by 29.67% on average over the past years. This is a very strong growth
- The Revenue has grown by 9.70% in the past year. This is quite good.
- 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)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
- Based on estimates for the next years, EZPW will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.21% on average per year.
- Based on estimates for the next years, EZPW will show a small growth in Revenue. The Revenue will grow by 6.64% on average per year.
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
- Based on the Price/Earnings ratio of 14.99, the valuation of EZPW can be described as correct.
- 64.15% of the companies in the same industry are cheaper than EZPW, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of EZPW to the average of the S&P500 Index (27.47), we can say EZPW is valued slightly cheaper.
- EZPW is valuated correctly with a Price/Forward Earnings ratio of 14.39.
- EZPW's Price/Forward Earnings ratio is in line with the industry average.
- EZPW's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.99 | ||
| Fwd PE | 14.39 |
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.
- EZPW's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.82 | ||
| EV/EBITDA | 7.45 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- 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)3.62
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% |
21.43
-0.11 (-0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-13 2025-11-13/amc
Earnings (Next)02-04 2026-02-04
Inst Owners114.86%
Inst Owner Change0.78%
Ins Owners5.23%
Ins Owner Change9.04%
Market Cap1.30B
Revenue(TTM)1.27B
Net Income(TTM)109.61M
Analysts80
Price Target24.31 (13.44%)
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%
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 | 14.99 | ||
| Fwd PE | 14.39 | ||
| P/S | 1.02 | ||
| P/FCF | 11.82 | ||
| P/OCF | 8.76 | ||
| P/B | 1.27 | ||
| P/tB | 2.03 | ||
| EV/EBITDA | 7.45 |
EPS(TTM)1.43
EY6.67%
EPS(NY)1.49
Fwd EY6.95%
FCF(TTM)1.81
FCFY8.46%
OCF(TTM)2.45
OCFY11.42%
SpS20.93
BVpS16.84
TBVpS10.54
PEG (NY)3.62
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 | 2.77 |
F-Score6
WACC7.12%
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 14.99 and the Price/Book (PB) ratio is 1.27.