21.37 USD
-0.09 (-0.42%)
21.6 USD
+0.23 (+1.08%)
We assign a fundamental rating of 5 out of 10 to EZPW. EZPW was compared to 53 industry peers in the Consumer Finance industry. EZPW has an average financial health and profitability rating. EZPW is not valued too expensively and it also shows a decent 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.
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 has a better Return On Assets (5.62%) than 72.73% of its industry peers.
Looking at the Return On Equity, with a value of 10.69%, EZPW is in line with its industry, outperforming 43.64% of the companies in the same industry.
EZPW has a Return On Invested Capital of 6.29%. This is in the better half of the industry: EZPW outperforms 65.45% 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 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
With a Profit Margin value of 8.60%, EZPW is not doing good in the industry: 61.82% of the companies in the same industry are doing better.
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 50.91% of its industry peers.
EZPW's Operating Margin has improved in the last couple of years.
With a Gross Margin value of 58.55%, EZPW perfoms like the industry average, outperforming 56.36% of the companies in the same 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 | 11.79% | ||
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
Looking at the Altman-Z score, with a value of 2.76, EZPW belongs to the top of the industry, outperforming 89.09% of the companies in the same industry.
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 Debt to FCF ratio of 4.70. This is in the better half of the industry: EZPW outperforms 78.18% of its industry peers.
A Debt/Equity ratio of 0.51 indicates that 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
WACC7.12%
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.
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.
With an excellent Quick ratio value of 4.37, EZPW belongs to the best of the industry, outperforming 89.09% of the companies in the same industry.
| 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.
EZPW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.64% yearly.
EPS Next Y4.14%
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
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 14.94 indicates a correct valuation of EZPW.
63.64% of the companies in the same industry are cheaper than EZPW, based on the Price/Earnings ratio.
EZPW's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.19.
EZPW is valuated correctly with a Price/Forward Earnings ratio of 14.35.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EZPW is on the same level as its industry peers.
EZPW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.92, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.94 | ||
| Fwd PE | 14.35 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, EZPW is valued a bit cheaper than 76.36% 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 | 11.78 | ||
| EV/EBITDA | 7.39 |
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)3.61
PEG (5Y)0.5
EPS Next 2Y9.98%
EPS Next 3Y12.85%
5. Dividend
5.1 Amount
EZPW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
21.37
-0.09 (-0.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
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 (13.76%)
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 | 14.94 | ||
| Fwd PE | 14.35 | ||
| P/S | 1.02 | ||
| P/FCF | 11.78 | ||
| P/OCF | 8.73 | ||
| P/B | 1.27 | ||
| P/tB | 2.03 | ||
| EV/EBITDA | 7.39 |
EPS(TTM)1.43
EY6.69%
EPS(NY)1.49
Fwd EY6.97%
FCF(TTM)1.81
FCFY8.49%
OCF(TTM)2.45
OCFY11.45%
SpS20.93
BVpS16.84
TBVpS10.54
PEG (NY)3.61
PEG (5Y)0.5
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
WACC7.12%
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 14.94 and the Price/Book (PB) ratio is 1.27.