17.84 USD
+0.23 (+1.31%)
17.84 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 is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. 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.
EZPW had positive earnings in 4 of the past 5 years.
EZPW had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of EZPW (5.21%) is better than 72.73% of its industry peers.
With a Return On Equity value of 9.91%, EZPW perfoms like the industry average, outperforming 45.45% of the companies in the same industry.
With a decent Return On Invested Capital value of 5.95%, EZPW is doing good in the industry, outperforming 67.27% 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 11.33%.
The last Return On Invested Capital (5.95%) for EZPW is above the 3 year average (5.62%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.21% | ||
| ROE | 9.91% | ||
| ROIC | 5.95% |
ROA(3y)3.97%
ROA(5y)1.37%
ROE(3y)7.58%
ROE(5y)2.69%
ROIC(3y)5.62%
ROIC(5y)4.17%
1.3 Margins
The Profit Margin of EZPW (7.96%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of EZPW has grown nicely.
With a Operating Margin value of 11.30%, EZPW perfoms like the industry average, outperforming 52.73% of the companies in the same industry.
In the last couple of years the Operating Margin of EZPW has grown nicely.
EZPW's Gross Margin of 58.67% is in line compared to the rest of the industry. EZPW outperforms 58.18% of its industry peers.
EZPW's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.3% | ||
| PM (TTM) | 7.96% | ||
| GM | 58.67% |
OM growth 3Y30.14%
OM growth 5Y9.97%
PM growth 3Y82.4%
PM growth 5Y89.2%
GM growth 3Y-1.58%
GM growth 5Y0.13%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so EZPW is destroying value.
There is no outstanding debt for EZPW. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
EZPW has an Altman-Z score of 2.65. 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 2.65 is amongst the best of the industry. EZPW outperforms 83.64% of its industry peers.
The Debt to FCF ratio of EZPW is 5.24, which is a neutral value as it means it would take EZPW, 5.24 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 5.24, EZPW is doing good in the industry, outperforming 76.36% of the companies in the same industry.
A Debt/Equity ratio of 0.52 indicates that EZPW is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.52, EZPW is doing good in the industry, outperforming 70.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 5.24 | ||
| Altman-Z | 2.65 |
ROIC/WACC0.63
WACC9.49%
2.3 Liquidity
EZPW has a Current Ratio of 6.31. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
EZPW has a Current ratio of 6.31. This is amongst the best in the industry. EZPW outperforms 89.09% of its industry peers.
A Quick Ratio of 5.00 indicates that EZPW has no problem at all paying its short term obligations.
EZPW has a better Quick ratio (5.00) than 87.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6.31 | ||
| Quick Ratio | 5 |
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.
EPS 1Y (TTM)26.55%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.77%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%14.35%
3.2 Future
The Earnings Per Share is expected to grow by 10.10% on average over the next years. This is quite good.
EZPW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.40% yearly.
EPS Next Y2.56%
EPS Next 2Y7.2%
EPS Next 3Y10.27%
EPS Next 5Y10.1%
Revenue Next Year6.57%
Revenue Next 2Y8.33%
Revenue Next 3Y6.68%
Revenue Next 5Y6.4%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.48 indicates a correct valuation of EZPW.
EZPW's Price/Earnings ratio is a bit more expensive when compared to the industry. EZPW is more expensive than 60.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of EZPW to the average of the S&P500 Index (25.47), we can say EZPW is valued rather cheaply.
EZPW is valuated correctly with a Price/Forward Earnings ratio of 12.16.
EZPW's Price/Forward Earnings is on the same level as the industry average.
EZPW's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.48 | ||
| Fwd PE | 12.16 |
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 | 10.96 | ||
| EV/EBITDA | 6.6 |
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.
PEG (NY)4.88
PEG (5Y)0.42
EPS Next 2Y7.2%
EPS Next 3Y10.27%
5. Dividend
5.1 Amount
EZPW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
17.84
+0.23 (+1.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners115.3%
Inst Owner Change-0.68%
Ins Owners4.2%
Ins Owner Change8.27%
Market Cap1.09B
Revenue(TTM)N/A
Net Income(TTM)98.11M
Analysts80
Price Target24.14 (35.31%)
Short Float %20.33%
Short Ratio13.66
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)18.99%
Min EPS beat(2)7.53%
Max EPS beat(2)30.46%
EPS beat(4)3
Avg EPS beat(4)11.36%
Min EPS beat(4)-3.81%
Max EPS beat(4)30.46%
EPS beat(8)7
Avg EPS beat(8)12.56%
EPS beat(12)11
Avg EPS beat(12)18.63%
EPS beat(16)15
Avg EPS beat(16)60.82%
Revenue beat(2)1
Avg Revenue beat(2)-1.23%
Min Revenue beat(2)-3.23%
Max Revenue beat(2)0.78%
Revenue beat(4)2
Avg Revenue beat(4)-1.28%
Min Revenue beat(4)-3.23%
Max Revenue beat(4)0.78%
Revenue beat(8)2
Avg Revenue beat(8)-1.01%
Revenue beat(12)5
Avg Revenue beat(12)0.81%
Revenue beat(16)9
Avg Revenue beat(16)2.13%
PT rev (1m)13.78%
PT rev (3m)13.78%
EPS NQ rev (1m)2.07%
EPS NQ rev (3m)1.65%
EPS NY rev (1m)0%
EPS NY rev (3m)0.74%
Revenue NQ rev (1m)0.2%
Revenue NQ rev (3m)2.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.48 | ||
| Fwd PE | 12.16 | ||
| P/S | 0.88 | ||
| P/FCF | 10.96 | ||
| P/OCF | 7.7 | ||
| P/B | 1.1 | ||
| P/tB | 1.78 | ||
| EV/EBITDA | 6.6 |
EPS(TTM)1.43
EY8.02%
EPS(NY)1.47
Fwd EY8.22%
FCF(TTM)1.63
FCFY9.12%
OCF(TTM)2.32
OCFY12.98%
SpS20.23
BVpS16.26
TBVpS10.02
PEG (NY)4.88
PEG (5Y)0.42
Graham Number22.87
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.21% | ||
| ROE | 9.91% | ||
| ROCE | 8.14% | ||
| ROIC | 5.95% | ||
| ROICexc | 8.22% | ||
| ROICexgc | 11.86% | ||
| OM | 11.3% | ||
| PM (TTM) | 7.96% | ||
| GM | 58.67% | ||
| FCFM | 8.05% |
ROA(3y)3.97%
ROA(5y)1.37%
ROE(3y)7.58%
ROE(5y)2.69%
ROIC(3y)5.62%
ROIC(5y)4.17%
ROICexc(3y)6.69%
ROICexc(5y)5.09%
ROICexgc(3y)10.21%
ROICexgc(5y)7.96%
ROCE(3y)7.68%
ROCE(5y)5.71%
ROICexgc growth 3Y37.52%
ROICexgc growth 5Y8.37%
ROICexc growth 3Y41.93%
ROICexc growth 5Y11.82%
OM growth 3Y30.14%
OM growth 5Y9.97%
PM growth 3Y82.4%
PM growth 5Y89.2%
GM growth 3Y-1.58%
GM growth 5Y0.13%
F-Score7
Asset Turnover0.65
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 5.24 | ||
| Debt/EBITDA | 3.02 | ||
| Cap/Depr | 129.12% | ||
| Cap/Sales | 3.4% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 82.17% | ||
| Profit Quality | 101.04% | ||
| Current Ratio | 6.31 | ||
| Quick Ratio | 5 | ||
| Altman-Z | 2.65 |
F-Score7
WACC9.49%
ROIC/WACC0.63
Cap/Depr(3y)111.13%
Cap/Depr(5y)100.56%
Cap/Sales(3y)3.51%
Cap/Sales(5y)3.45%
Profit Quality(3y)107.36%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)26.55%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.77%
EPS Next Y2.56%
EPS Next 2Y7.2%
EPS Next 3Y10.27%
EPS Next 5Y10.1%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%14.35%
Revenue Next Year6.57%
Revenue Next 2Y8.33%
Revenue Next 3Y6.68%
Revenue Next 5Y6.4%
EBIT growth 1Y32.85%
EBIT growth 3Y51.97%
EBIT growth 5Y17.14%
EBIT Next Year71.08%
EBIT Next 3Y28.04%
EBIT Next 5YN/A
FCF growth 1Y95.5%
FCF growth 3Y50.57%
FCF growth 5Y3.77%
OCF growth 1Y52.83%
OCF growth 3Y34.78%
OCF growth 5Y1.88%
EZCORP INC-CL A / EZPW FAQ
What is the fundamental rating for EZPW stock?
ChartMill assigns a fundamental rating of 5 / 10 to EZPW.
Can you provide the valuation status for EZCORP INC-CL A?
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.
What is the financial health of EZCORP INC-CL A (EZPW) stock?
The financial health rating of EZCORP INC-CL A (EZPW) is 7 / 10.
Can you provide the expected EPS growth for EZPW stock?
The Earnings per Share (EPS) of EZCORP INC-CL A (EZPW) is expected to grow by 2.56% in the next year.