19.42 USD
-0.27 (-1.37%)
19.42 USD
0 (0%)
Overall EZPW gets a fundamental rating of 5 out of 10. We evaluated EZPW against 55 industry peers in the Consumer Finance industry. EZPW has an average financial health and profitability rating. EZPW has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
EZPW had positive earnings in the past year.
In the past year EZPW had a positive cash flow from operations.
In the past 5 years EZPW has always been profitable.
Each year in the past 5 years EZPW had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 5.62%, EZPW is doing good in the industry, outperforming 76.36% of the companies in the same industry.
Looking at the Return On Equity, with a value of 10.69%, EZPW is in line with its industry, outperforming 47.27% of the companies in the same industry.
EZPW's Return On Invested Capital of 6.29% is fine compared to the rest of the industry. EZPW outperforms 67.27% 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 12.44%.
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 comparable to the rest of the industry.
In the last couple of years the Profit Margin of EZPW has grown nicely.
The Operating Margin of EZPW (11.79%) is comparable to the rest of the industry.
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
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
An Altman-Z score of 2.69 indicates that EZPW is not a great score, but indicates only limited risk for bankruptcy at the moment.
With an excellent Altman-Z score value of 2.69, EZPW belongs to the best of the industry, outperforming 85.45% 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.
With a decent Debt to FCF ratio value of 4.70, EZPW is doing good in 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.
Looking at the Debt to Equity ratio, with a value of 0.51, EZPW is in the better half of the industry, outperforming 72.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 4.7 | ||
| Altman-Z | 2.69 |
ROIC/WACC0.88
WACC7.16%
2.3 Liquidity
A Current Ratio of 5.61 indicates that EZPW has no problem at all paying its short term obligations.
The Current ratio of EZPW (5.61) is better than 90.91% 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 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
The Earnings Per Share has grown by an impressive 26.55% over the past year.
EZPW shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 29.67% yearly.
Looking at the last year, EZPW shows a quite strong growth in Revenue. The Revenue has grown by 9.70% in the last year.
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
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
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.
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
The Price/Earnings ratio is 13.58, which indicates a correct valuation of EZPW.
Based on the Price/Earnings ratio, EZPW is valued a bit more expensive than 60.00% 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 26.51.
Based on the Price/Forward Earnings ratio of 13.04, the valuation of EZPW can be described as correct.
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 23.13, EZPW is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.58 | ||
| Fwd PE | 13.04 |
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.
The rest of the industry has a similar Price/Free Cash Flow ratio as EZPW.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.71 | ||
| EV/EBITDA | 6.83 |
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.
PEG (NY)3.28
PEG (5Y)0.46
EPS Next 2Y9.98%
EPS Next 3Y12.85%
5. Dividend
5.1 Amount
No dividends for EZPW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
19.42
-0.27 (-1.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners115.16%
Inst Owner Change-0.78%
Ins Owners5.23%
Ins Owner Change8.63%
Market Cap1.18B
Revenue(TTM)1.27B
Net Income(TTM)109.61M
Analysts80
Price Target24.31 (25.18%)
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)1.7%
EPS NY rev (1m)1.54%
EPS NY rev (3m)2.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.88%
Revenue NY rev (1m)4.62%
Revenue NY rev (3m)4.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.58 | ||
| Fwd PE | 13.04 | ||
| P/S | 0.93 | ||
| P/FCF | 10.71 | ||
| P/OCF | 7.94 | ||
| P/B | 1.15 | ||
| P/tB | 1.84 | ||
| EV/EBITDA | 6.83 |
EPS(TTM)1.43
EY7.36%
EPS(NY)1.49
Fwd EY7.67%
FCF(TTM)1.81
FCFY9.34%
OCF(TTM)2.45
OCFY12.6%
SpS20.93
BVpS16.84
TBVpS10.54
PEG (NY)3.28
PEG (5Y)0.46
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 | 2.69 |
F-Score6
WACC7.16%
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 13.58 and the Price/Book (PB) ratio is 1.15.