EZCORP INC-CL A (EZPW) Stock Fundamental Analysis
USA - NASDAQ:EZPW - US3023011063 - Common Stock
17.75 USD
+0.34 (+1.95%)
17.75 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to EZPW. EZPW was compared to 55 industry peers in the Consumer Finance industry. EZPW has an excellent financial health rating, but there are some minor concerns on its profitability. 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.
Of the past 5 years EZPW 4 years were profitable.
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.
Looking at the Return On Equity, with a value of 9.91%, EZPW is in line with its industry, outperforming 47.27% of the companies in the same industry.
EZPW's Return On Invested Capital of 5.95% 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 11.61%.
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
EZPW has a Profit Margin (7.96%) which is in line with its industry peers.
EZPW's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 11.30%, EZPW perfoms like the industry average, outperforming 52.73% of the companies in the same industry.
EZPW's Operating Margin has improved in the last couple of years.
The Gross Margin of EZPW (58.67%) is comparable to the rest of the 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 | 11.3% | ||
| 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.
EZPW has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
EZPW has an Altman-Z score of 2.64. 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 2.64, EZPW belongs to the top of the industry, outperforming 81.82% of the companies in the same industry.
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.
EZPW's Debt to FCF ratio of 5.24 is fine compared to the rest of the industry. EZPW outperforms 74.55% of its industry peers.
EZPW has a Debt/Equity ratio of 0.52. This is a neutral value indicating 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 | 2.64 |
ROIC/WACC0.62
WACC9.64%
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.
With an excellent Current ratio value of 6.31, EZPW belongs to the best of the industry, outperforming 90.91% of the companies in the same industry.
A Quick Ratio of 5.00 indicates that EZPW has no problem at all paying its short term obligations.
EZPW has a Quick ratio of 5.00. This is amongst the best in the industry. EZPW outperforms 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
EZPW is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.10% yearly.
The Revenue is expected to grow by 6.40% on average over the next years.
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
The Price/Earnings ratio is 12.41, which indicates a correct valuation of EZPW.
60.00% of the companies in the same industry are cheaper than EZPW, based on the Price/Earnings ratio.
EZPW is valuated cheaply when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 12.10 indicates a correct valuation of EZPW.
EZPW's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of EZPW to the average of the S&P500 Index (34.59), we can say EZPW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.41 | ||
| Fwd PE | 12.1 |
4.2 Price Multiples
EZPW's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. EZPW is cheaper than 76.36% of the companies in the same industry.
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 | 10.91 | ||
| EV/EBITDA | 6.57 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
EZPW has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)4.85
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 |
17.75
+0.34 (+1.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners115.3%
Inst Owner Change0.96%
Ins Owners4.2%
Ins Owner Change-0.98%
Market Cap1.08B
Revenue(TTM)N/A
Net Income(TTM)98.11M
Analysts80
Price Target24.14 (36%)
Short Float %18.72%
Short Ratio12.48
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)9.62%
PT rev (3m)8.57%
EPS NQ rev (1m)1.57%
EPS NQ rev (3m)1.16%
EPS NY rev (1m)0%
EPS NY rev (3m)5.39%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)2.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.41 | ||
| Fwd PE | 12.1 | ||
| P/S | 0.88 | ||
| P/FCF | 10.91 | ||
| P/OCF | 7.66 | ||
| P/B | 1.09 | ||
| P/tB | 1.77 | ||
| EV/EBITDA | 6.57 |
EPS(TTM)1.43
EY8.06%
EPS(NY)1.47
Fwd EY8.26%
FCF(TTM)1.63
FCFY9.17%
OCF(TTM)2.32
OCFY13.05%
SpS20.23
BVpS16.26
TBVpS10.02
PEG (NY)4.85
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 | 2.64 |
F-Score7
WACC9.64%
ROIC/WACC0.62
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 6 / 10 to EZPW.
Can you provide the valuation status for EZCORP INC-CL A?
ChartMill assigns a valuation rating of 5 / 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.