EZCORP INC-CL A (EZPW) Fundamental Analysis & Valuation

NASDAQ:EZPW • US3023011063

Current stock price

27.19 USD
+1.17 (+4.5%)
At close:
26.8417 USD
-0.35 (-1.28%)
After Hours:

This EZPW fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. EZPW Profitability Analysis

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.
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.
  • EZPW has a Return On Equity of 11.48%. This is in the lower half of the industry: EZPW underperforms 61.11% of its industry peers.
  • EZPW has a better Return On Invested Capital (6.89%) 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 below the industry average of 9.87%.
  • The 3 year average ROIC (6.16%) for EZPW is below the current ROIC(6.89%), indicating increased profibility in the last year.
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

  • EZPW has a Profit Margin of 9.20%. This is comparable to the rest of the industry: EZPW outperforms 40.74% of its industry peers.
  • EZPW's Profit Margin has improved in the last couple of years.
  • EZPW has a Operating Margin of 12.64%. This is comparable to the rest of the industry: EZPW outperforms 53.70% of its industry peers.
  • EZPW's Operating Margin has improved in the last couple of years.
  • The Gross Margin of EZPW (58.65%) is comparable to the rest of the industry.
  • EZPW's Gross Margin has been stable in the last couple of years.
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. EZPW Health Analysis

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.
  • 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 3.09. This indicates that EZPW is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 3.09, EZPW belongs to the top of the industry, outperforming 90.74% of the companies in the same industry.
  • 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.
  • EZPW has a better Debt to FCF ratio (4.27) than 75.93% of its industry peers.
  • A Debt/Equity ratio of 0.48 indicates that EZPW is not too dependend on debt financing.
  • The Debt to Equity ratio of EZPW (0.48) is better than 74.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 4.27
Altman-Z 3.09
ROIC/WACC0.91
WACC7.56%
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.
  • The Current ratio of EZPW (6.03) is better than 92.59% of its industry peers.
  • EZPW has a Quick Ratio of 4.69. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
  • EZPW has a Quick ratio of 4.69. This is amongst the best in the industry. EZPW outperforms 90.74% 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. EZPW Growth Analysis

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%.
  • 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)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 Y23.82%
EPS Next 2Y18.58%
EPS Next 3Y17.34%
EPS Next 5Y15.16%
Revenue Next Year24.82%
Revenue Next 2Y17.88%
Revenue Next 3Y14.52%
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

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Find the best growth stocksShow best growing peers

4

4. EZPW Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 17.43, which indicates a rather expensive current valuation of EZPW.
  • 74.07% of the companies in the same industry are cheaper than EZPW, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.17, EZPW is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 13.52 indicates a correct valuation of EZPW.
  • EZPW's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. EZPW is more expensive than 61.11% 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 23.05.
Industry RankSector Rank
PE 17.43
Fwd PE 13.52
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 75.93% of the companies in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as EZPW.
Industry RankSector Rank
P/FCF 13.78
EV/EBITDA 8.58
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • 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 17.34% in the coming years.
PEG (NY)0.73
PEG (5Y)0.59
EPS Next 2Y18.58%
EPS Next 3Y17.34%

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

0

5. EZPW Dividend Analysis

5.1 Amount

  • No dividends for EZPW!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

EZPW Fundamentals: All Metrics, Ratios and Statistics

EZCORP INC-CL A

NASDAQ:EZPW (4/2/2026, 8:21:46 PM)

After market: 26.8417 -0.35 (-1.28%)

27.19

+1.17 (+4.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-04
Earnings (Next)04-27
Inst Owners116.04%
Inst Owner Change-0.04%
Ins Owners5.05%
Ins Owner Change10.27%
Market Cap1.68B
Revenue(TTM)1.34B
Net Income(TTM)122.90M
Analysts80
Price Target32.98 (21.29%)
Short Float %21.95%
Short Ratio12.56
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)0%
PT rev (3m)35.66%
EPS NQ rev (1m)3.06%
EPS NQ rev (3m)25.49%
EPS NY rev (1m)0%
EPS NY rev (3m)18.89%
Revenue NQ rev (1m)0.9%
Revenue NQ rev (3m)15.69%
Revenue NY rev (1m)0.5%
Revenue NY rev (3m)12.13%
Valuation
Industry RankSector Rank
PE 17.43
Fwd PE 13.52
P/S 1.26
P/FCF 13.78
P/OCF 10.35
P/B 1.57
P/tB 2.47
EV/EBITDA 8.58
EPS(TTM)1.56
EY5.74%
EPS(NY)2.01
Fwd EY7.4%
FCF(TTM)1.97
FCFY7.26%
OCF(TTM)2.63
OCFY9.66%
SpS21.66
BVpS17.35
TBVpS11.02
PEG (NY)0.73
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 3.09
F-Score6
WACC7.56%
ROIC/WACC0.91
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 Y23.82%
EPS Next 2Y18.58%
EPS Next 3Y17.34%
EPS Next 5Y15.16%
Revenue 1Y (TTM)13.06%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%19.32%
Revenue Next Year24.82%
Revenue Next 2Y17.88%
Revenue Next 3Y14.52%
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 Fundamental Analysis 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 5 / 10 to EZCORP INC-CL A (EZPW). This can be considered as Fairly Valued.


Can you provide the profitability details for EZCORP INC-CL A?

EZCORP INC-CL A (EZPW) has a profitability rating of 6 / 10.


How financially healthy is EZCORP INC-CL A?

The financial health rating of EZCORP INC-CL A (EZPW) is 7 / 10.