Taking everything into account, EZPW scores 5 out of 10 in our fundamental rating. EZPW was compared to 54 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.

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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.
EZPW had positive earnings in each of the past 5 years.
In the past 5 years EZPW always reported a positive cash flow from operatings.

1.2 Ratios

The Return On Assets of EZPW (5.62%) is better than 72.22% of its industry peers.
EZPW has a Return On Equity (10.69%) which is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 6.29%, EZPW is in the better half of 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 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's Profit Margin of 8.60% is on the low side compared to the rest of the industry. EZPW is outperformed by 61.11% of its industry peers.
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 50.00% of its industry peers.
EZPW's Operating Margin has improved in the last couple of years.
EZPW's Gross Margin of 58.55% is in line compared to the rest of the industry. EZPW outperforms 59.26% of its industry peers.
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.
EZPW has more shares outstanding than it did 5 years ago.
The debt/assets ratio for EZPW is higher compared to a year ago.

2.2 Solvency

EZPW has an Altman-Z score of 2.76. 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's Altman-Z score of 2.76 is amongst the best of the industry. EZPW outperforms 88.89% 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.
The Debt to FCF ratio of EZPW (4.70) is better than 77.78% 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.
Looking at the Debt to Equity ratio, with a value of 0.51, EZPW is in the better half of the industry, outperforming 74.07% of the companies in the same industry.

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

ROIC/WACC0.87

WACC7.19%

2.3 Liquidity

EZPW has a Current Ratio of 5.61. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of EZPW (5.61) is better than 90.74% 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.
With an excellent Quick ratio value of 4.37, EZPW belongs to the best of the industry, outperforming 90.74% 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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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

The Earnings Per Share is expected to grow by 10.21% on average over the next years. This is quite good.
The Revenue is expected to grow by 6.64% on average over the next years.

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.
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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 15.00, which indicates a correct valuation of EZPW.
Based on the Price/Earnings ratio, EZPW is valued a bit more expensive than 64.81% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.32, EZPW is valued a bit cheaper.
With a Price/Forward Earnings ratio of 14.30, EZPW is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EZPW is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, EZPW is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	15
Fwd PE	14.3

4.2 Price Multiples

75.93% of the companies in the same industry are more expensive than EZPW, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of EZPW is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	11.83
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.
EZPW has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as EZPW's earnings are expected to grow with 12.85% in the coming years.