24.74 USD
-0.44 (-1.75%)
At close: Feb 10, 2026
24.7 USD
-0.04 (-0.16%)
After Hours: 2/10/2026, 8:03:37 PM
Taking everything into account, EZPW scores 6 out of 10 in our fundamental rating. EZPW was compared to 54 industry peers in the Consumer Finance industry. EZPW has an average financial health and profitability rating. EZPW is growing strongly while it is still valued neutral. This is a good combination! With these ratings, EZPW could be worth investigating further for growth investing!.
1. Profitability
1.1 Basic Checks
- In the past year EZPW was profitable.
- EZPW had a positive operating cash flow in the past year.
- In the past 5 years EZPW has always been profitable.
- EZPW had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- EZPW has a Return On Assets of 5.62%. This is in the better half of the industry: EZPW outperforms 72.22% of its industry peers.
- EZPW has a Return On Equity of 10.69%. This is comparable 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.
- The Average Return On Invested Capital over the past 3 years for EZPW is significantly below the industry average of 12.42%.
- The 3 year average ROIC (6.16%) for EZPW is below the current ROIC(6.29%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
- With a Profit Margin value of 8.60%, EZPW is not doing good in the industry: 61.11% 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 (11.79%) which is in line with its industry peers.
- In the last couple of years the Operating Margin of EZPW has grown nicely.
- With a Gross Margin value of 58.55%, EZPW perfoms like the industry average, outperforming 59.26% of the companies in the same industry.
- EZPW's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EZPW is destroying value.
- EZPW has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, EZPW has more shares outstanding
- The debt/assets ratio for EZPW is higher compared to a year ago.
2.2 Solvency
- EZPW has an Altman-Z score of 2.91. 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 2.91, EZPW belongs to the top 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.
- With a decent Debt to FCF ratio value of 4.70, EZPW is doing good in the industry, outperforming 77.78% of the companies in the same industry.
- EZPW has a Debt/Equity ratio of 0.51. This is a neutral value indicating EZPW is somewhat dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.51, EZPW is in the better half of the industry, outperforming 74.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 4.7 | ||
| Altman-Z | 2.91 |
ROIC/WACC0.86
WACC7.33%
2.3 Liquidity
- EZPW has a Current Ratio of 5.61. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
- Looking at the Current ratio, with a value of 5.61, EZPW belongs to the top of the industry, outperforming 90.74% of the companies in the same industry.
- A Quick Ratio of 4.37 indicates that EZPW has no problem at all paying its short term obligations.
- EZPW's Quick ratio of 4.37 is amongst the best of the industry. EZPW outperforms 90.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.61 | ||
| Quick Ratio | 4.37 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 31.09% over the past year.
- 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 9.70%.
- Measured over the past years, EZPW shows a quite strong growth in Revenue. The Revenue has been growing by 9.14% on average per year.
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.
- 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 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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 15.86, the valuation of EZPW can be described as correct.
- Based on the Price/Earnings ratio, EZPW is valued a bit more expensive than 66.67% of the companies in the same industry.
- EZPW's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.03.
- Based on the Price/Forward Earnings ratio of 14.20, the valuation of EZPW can be described as correct.
- The rest of the industry has a similar Price/Forward Earnings ratio as EZPW.
- Compared to an average S&P500 Price/Forward Earnings ratio of 27.97, EZPW is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.86 | ||
| Fwd PE | 14.2 |
4.2 Price Multiples
- 75.93% of the companies in the same industry are more expensive than EZPW, based on the Enterprise Value to EBITDA ratio.
- The rest of the industry has a similar Price/Free Cash Flow ratio as EZPW.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.82 | ||
| EV/EBITDA | 8.63 |
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.
- A more expensive valuation may be justified as EZPW's earnings are expected to grow with 12.85% in the coming years.
PEG (NY)3.23
PEG (5Y)0.53
EPS Next 2Y10.39%
EPS Next 3Y12.85%
5. Dividend
5.1 Amount
- EZPW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
24.74
-0.44 (-1.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-04 2026-02-04/amc
Earnings (Next)04-27 2026-04-27
Inst Owners114.86%
Inst Owner Change0.17%
Ins Owners5.23%
Ins Owner Change9.07%
Market Cap1.53B
Revenue(TTM)1.27B
Net Income(TTM)109.61M
Analysts80
Price Target25.84 (4.45%)
Short Float %25.04%
Short Ratio13.73
Dividend
| Industry Rank | Sector 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)0.66%
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)0.42%
Revenue NY rev (3m)5.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.86 | ||
| Fwd PE | 14.2 | ||
| P/S | 1.2 | ||
| P/FCF | 13.82 | ||
| P/OCF | 10.25 | ||
| P/B | 1.49 | ||
| P/tB | 2.38 | ||
| EV/EBITDA | 8.63 |
EPS(TTM)1.56
EY6.31%
EPS(NY)1.74
Fwd EY7.04%
FCF(TTM)1.79
FCFY7.23%
OCF(TTM)2.41
OCFY9.76%
SpS20.65
BVpS16.62
TBVpS10.4
PEG (NY)3.23
PEG (5Y)0.53
Graham Number24.15
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.91 |
F-Score6
WACC7.33%
ROIC/WACC0.86
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 5 / 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 15.86 and the Price/Book (PB) ratio is 1.49.