EZCORP INC-CL A (EZPW) Stock Fundamental Analysis

NASDAQ:EZPW • US3023011063

27.21 USD
+0.68 (+2.56%)
Last: Mar 2, 2026, 01:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to EZPW. EZPW was compared to 54 industry peers in the Consumer Finance industry. While EZPW has a great health rating, its profitability is only average at the moment. EZPW is valued quite expensively, but it does show have an excellent growth rating. These ratings would make EZPW suitable 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.
  • Each year in the past 5 years EZPW has been profitable.
  • 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 6.18% is fine compared to the rest of the industry. EZPW outperforms 72.22% of its industry peers.
  • Looking at the Return On Equity, with a value of 11.48%, EZPW is in line with its industry, outperforming 42.59% of the companies in the same industry.
  • The Return On Invested Capital of EZPW (6.89%) is better than 64.81% of its industry peers.
  • EZPW had an Average Return On Invested Capital over the past 3 years of 6.16%. This is significantly below the industry average of 12.27%.
  • The last Return On Invested Capital (6.89%) for EZPW is above the 3 year average (6.16%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 6.18%
ROE 11.48%
ROIC 6.89%
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

  • Looking at the Profit Margin, with a value of 9.20%, EZPW is in line with its industry, outperforming 40.74% of the companies in the same industry.
  • EZPW's Profit Margin has improved in the last couple of years.
  • The Operating Margin of EZPW (12.64%) is comparable to the rest of the industry.
  • EZPW's Operating Margin has improved in the last couple of years.
  • EZPW has a Gross Margin (58.65%) which is in line with its industry peers.
  • In the last couple of years the Gross Margin of EZPW has remained more or less at the same level.
Industry RankSector Rank
OM 12.64%
PM (TTM) 9.2%
GM 58.65%
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

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ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. Health

2.1 Basic Checks

  • EZPW has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for EZPW has been increased compared to 1 year ago.
  • The number of shares outstanding for EZPW has been increased compared to 5 years ago.
  • EZPW has a worse debt/assets ratio than last year.
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 3.06. This indicates that EZPW is financially healthy and has little risk of bankruptcy at the moment.
  • EZPW's Altman-Z score of 3.06 is amongst the best of the industry. EZPW outperforms 90.74% of its industry peers.
  • EZPW has a debt to FCF ratio of 4.27. This is a neutral value as EZPW would need 4.27 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 4.27, EZPW is doing good in the industry, outperforming 75.93% of the companies in the same industry.
  • A Debt/Equity ratio of 0.48 indicates that EZPW is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.48, EZPW is in the better half of the industry, outperforming 75.93% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 4.27
Altman-Z 3.06
ROIC/WACC0.95
WACC7.23%
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

  • EZPW has a Current Ratio of 6.03. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Current ratio value of 6.03, EZPW belongs to the best of the industry, outperforming 90.74% of the companies in the same industry.
  • A Quick Ratio of 4.69 indicates that EZPW has no problem at all paying its short term obligations.
  • EZPW's Quick ratio of 4.69 is amongst the best of the industry. EZPW outperforms 87.04% of its industry peers.
Industry RankSector Rank
Current Ratio 6.03
Quick Ratio 4.69
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

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

8

3. Growth

3.1 Past

  • EZPW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 31.09%, which is quite impressive.
  • EZPW shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 29.67% yearly.
  • EZPW shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.06%.
  • 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)13.06%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%19.32%

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 15.16% on average per year.
  • The Revenue is expected to grow by 11.78% on average over the next years. This is quite good.
EPS Next Y4.91%
EPS Next 2Y10.39%
EPS Next 3Y12.85%
EPS Next 5Y15.16%
Revenue Next Year22.64%
Revenue Next 2Y16.61%
Revenue Next 3Y13.76%
Revenue Next 5Y11.78%

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 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

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • EZPW is valuated rather expensively with a Price/Earnings ratio of 17.44.
  • Based on the Price/Earnings ratio, EZPW is valued a bit more expensive than the industry average as 68.52% of the companies are valued more cheaply.
  • EZPW's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.07.
  • Based on the Price/Forward Earnings ratio of 15.62, the valuation of EZPW can be described as correct.
  • Based on the Price/Forward Earnings ratio, EZPW is valued a bit more expensive than 62.96% of the companies in the same industry.
  • EZPW's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.05.
Industry RankSector Rank
PE 17.44
Fwd PE 15.62
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

  • 72.22% of the companies in the same industry are more expensive than EZPW, based on the Enterprise Value to EBITDA ratio.
  • EZPW's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.79
EV/EBITDA 8.38
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.
  • EZPW has a very decent profitability rating, which 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)3.55
PEG (5Y)0.59
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

  • No dividends for EZPW!.
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 (3/2/2026, 1:04:59 PM)

27.21

+0.68 (+2.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-04
Earnings (Next)04-27
Inst Owners114.86%
Inst Owner Change4.96%
Ins Owners5.23%
Ins Owner Change7.96%
Market Cap1.68B
Revenue(TTM)1.34B
Net Income(TTM)122.90M
Analysts80
Price Target32.98 (21.21%)
Short Float %24.36%
Short Ratio11.92
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)22.12%
Min EPS beat(2)13.27%
Max EPS beat(2)30.97%
EPS beat(4)4
Avg EPS beat(4)20.55%
Min EPS beat(4)7.53%
Max EPS beat(4)30.97%
EPS beat(8)7
Avg EPS beat(8)12.78%
EPS beat(12)11
Avg EPS beat(12)18.38%
EPS beat(16)15
Avg EPS beat(16)33.83%
Revenue beat(2)2
Avg Revenue beat(2)3.04%
Min Revenue beat(2)1.76%
Max Revenue beat(2)4.31%
Revenue beat(4)3
Avg Revenue beat(4)0.91%
Min Revenue beat(4)-3.23%
Max Revenue beat(4)4.31%
Revenue beat(8)4
Avg Revenue beat(8)-0.14%
Revenue beat(12)5
Avg Revenue beat(12)0.05%
Revenue beat(16)9
Avg Revenue beat(16)1.49%
PT rev (1m)30.2%
PT rev (3m)36.62%
EPS NQ rev (1m)20.76%
EPS NQ rev (3m)21.76%
EPS NY rev (1m)0%
EPS NY rev (3m)2.3%
Revenue NQ rev (1m)14.66%
Revenue NQ rev (3m)14.66%
Revenue NY rev (1m)9.71%
Revenue NY rev (3m)15.26%
Valuation
Industry RankSector Rank
PE 17.44
Fwd PE 15.62
P/S 1.26
P/FCF 13.79
P/OCF 10.35
P/B 1.57
P/tB 2.47
EV/EBITDA 8.38
EPS(TTM)1.56
EY5.73%
EPS(NY)1.74
Fwd EY6.4%
FCF(TTM)1.97
FCFY7.25%
OCF(TTM)2.63
OCFY9.66%
SpS21.66
BVpS17.35
TBVpS11.02
PEG (NY)3.55
PEG (5Y)0.59
Graham Number24.68
Profitability
Industry RankSector Rank
ROA 6.18%
ROE 11.48%
ROCE 9.4%
ROIC 6.89%
ROICexc 9.3%
ROICexgc 13.16%
OM 12.64%
PM (TTM) 9.2%
GM 58.65%
FCFM 9.11%
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 Turnover0.67
Health
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 4.27
Debt/EBITDA 2.57
Cap/Depr 122.6%
Cap/Sales 3.02%
Interest Coverage 250
Cash Conversion 80.31%
Profit Quality 99.05%
Current Ratio 6.03
Quick Ratio 4.69
Altman-Z 3.06
F-Score6
WACC7.23%
ROIC/WACC0.95
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)13.06%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%19.32%
Revenue Next Year22.64%
Revenue Next 2Y16.61%
Revenue Next 3Y13.76%
Revenue Next 5Y11.78%
EBIT growth 1Y42.68%
EBIT growth 3Y25.16%
EBIT growth 5Y40.43%
EBIT Next Year63.71%
EBIT Next 3Y25.33%
EBIT Next 5YN/A
FCF growth 1Y70.98%
FCF growth 3Y47.23%
FCF growth 5Y39.91%
OCF growth 1Y45.31%
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 3 / 10 to EZCORP INC-CL A (EZPW). This can be considered as Overvalued.


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 17.44 and the Price/Book (PB) ratio is 1.57.