EZCORP INC-CL A (EZPW) Stock Fundamental Analysis

NASDAQ:EZPW • US3023011063

24.31 USD
-0.03 (-0.12%)
At close: Feb 13, 2026
24.4 USD
+0.09 (+0.37%)
After Hours: 2/13/2026, 8:05:53 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

EZPW gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. EZPW has an average financial health and profitability rating. EZPW is not priced too expensively while it is growing strongly. Keep and eye on this one! This makes EZPW very considerable for growth investing!


Dividend Valuation Growth Profitability Health

6

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.
  • EZPW had positive earnings in each of the past 5 years.
  • Each year in the past 5 years EZPW had a positive operating cash flow.
EZPW Yearly Net Income VS EBIT VS OCF VS FCFEZPW Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M 150M

1.2 Ratios

  • EZPW's Return On Assets of 5.62% is fine compared to the rest of the industry. EZPW outperforms 70.37% of its industry peers.
  • EZPW's Return On Equity of 10.69% is in line compared to the rest of the industry. EZPW outperforms 42.59% of its industry peers.
  • The Return On Invested Capital of EZPW (6.29%) is better than 64.81% 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 12.18%.
  • 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 RankSector 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%
EZPW Yearly ROA, ROE, ROICEZPW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 -10

1.3 Margins

  • With a Profit Margin value of 8.60%, EZPW is not doing good in the industry: 62.96% of the companies in the same industry are doing better.
  • 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.
  • In the last couple of years the Operating Margin of EZPW has grown nicely.
  • EZPW's Gross Margin of 58.55% is in line compared to the rest of the industry. EZPW outperforms 57.41% of its industry peers.
  • EZPW's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
EZPW Yearly Profit, Operating, Gross MarginsEZPW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

6

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.
EZPW Yearly Shares OutstandingEZPW Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
EZPW Yearly Total Debt VS Total AssetsEZPW Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • EZPW has an Altman-Z score of 2.89. 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.
  • With an excellent Altman-Z score value of 2.89, EZPW belongs to the best of the industry, outperforming 88.89% 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.
  • Looking at the Debt to FCF ratio, with a value of 4.70, EZPW is in the better half of the industry, outperforming 75.93% of the companies in the same industry.
  • A Debt/Equity ratio of 0.51 indicates that EZPW is somewhat dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.51, EZPW is doing good in the industry, outperforming 74.07% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 4.7
Altman-Z 2.89
ROIC/WACC0.87
WACC7.19%
EZPW Yearly LT Debt VS Equity VS FCFEZPW Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.3 Liquidity

  • A Current Ratio of 5.61 indicates that EZPW has no problem at all paying its short term obligations.
  • EZPW has a Current ratio of 5.61. This is amongst the best in the industry. EZPW outperforms 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.
  • Looking at the Quick ratio, with a value of 4.37, EZPW belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 5.61
Quick Ratio 4.37
EZPW Yearly Current Assets VS Current LiabilitesEZPW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 31.09% over the past year.
  • 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.
  • The Revenue has been growing by 9.14% on average over the past years. This is quite good.
EPS 1Y (TTM)31.09%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.95%
Revenue 1Y (TTM)9.7%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%19.32%

3.2 Future

  • The Earnings Per Share is expected to grow by 15.16% on average over the next years. This is quite good.
  • EZPW is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.78% yearly.
EPS Next Y4.91%
EPS Next 2Y10.39%
EPS Next 3Y12.85%
EPS Next 5Y15.16%
Revenue Next Year11.79%
Revenue Next 2Y10.39%
Revenue Next 3Y9.35%
Revenue Next 5Y11.78%

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 accelerating: in the next years the growth will be better than in the last years.
EZPW Yearly Revenue VS EstimatesEZPW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 500M 1B 1.5B 2B
EZPW Yearly EPS VS EstimatesEZPW Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 1 -1 2

More info and screens

Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • EZPW is valuated correctly with a Price/Earnings ratio of 15.58.
  • Based on the Price/Earnings ratio, EZPW is valued a bit more expensive than 64.81% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.68. EZPW is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 13.95 indicates a correct valuation of EZPW.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of EZPW indicates a slightly more expensive valuation: EZPW is more expensive than 61.11% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, EZPW is valued rather cheaply.
Industry RankSector Rank
PE 15.58
Fwd PE 13.95
EZPW Price Earnings VS Forward Price EarningsEZPW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, EZPW is valued a bit cheaper than 74.07% 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 RankSector Rank
P/FCF 13.58
EV/EBITDA 8.48
EZPW Per share dataEZPW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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)3.17
PEG (5Y)0.53
EPS Next 2Y10.39%
EPS Next 3Y12.85%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • EZPW does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

EZCORP INC-CL A

NASDAQ:EZPW (2/13/2026, 8:05:53 PM)

After market: 24.4 +0.09 (+0.37%)

24.31

-0.03 (-0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-04
Earnings (Next)04-27
Inst Owners114.86%
Inst Owner Change0.82%
Ins Owners5.23%
Ins Owner Change9.07%
Market Cap1.50B
Revenue(TTM)1.27B
Net Income(TTM)109.61M
Analysts80
Price Target25.84 (6.29%)
Short Float %25.04%
Short Ratio13.73
Dividend
Industry RankSector 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)6.29%
PT rev (3m)11.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.67%
EPS NY rev (1m)0.74%
EPS NY rev (3m)2.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.06%
Valuation
Industry RankSector Rank
PE 15.58
Fwd PE 13.95
P/S 1.18
P/FCF 13.58
P/OCF 10.07
P/B 1.46
P/tB 2.34
EV/EBITDA 8.48
EPS(TTM)1.56
EY6.42%
EPS(NY)1.74
Fwd EY7.17%
FCF(TTM)1.79
FCFY7.36%
OCF(TTM)2.41
OCFY9.93%
SpS20.65
BVpS16.62
TBVpS10.4
PEG (NY)3.17
PEG (5Y)0.53
Graham Number24.15
Profitability
Industry RankSector 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 RankSector 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 2.89
F-Score6
WACC7.19%
ROIC/WACC0.87
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)31.09%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.95%
EPS Next Y4.91%
EPS Next 2Y10.39%
EPS Next 3Y12.85%
EPS Next 5Y15.16%
Revenue 1Y (TTM)9.7%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%19.32%
Revenue Next Year11.79%
Revenue Next 2Y10.39%
Revenue Next 3Y9.35%
Revenue Next 5Y11.78%
EBIT growth 1Y32.49%
EBIT growth 3Y25.16%
EBIT growth 5Y40.43%
EBIT Next Year40.71%
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 6 / 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 15.58 and the Price/Book (PB) ratio is 1.46.