EZCORP INC-CL A (EZPW) Stock Fundamental Analysis
USA - NASDAQ:EZPW - US3023011063 - Common Stock
17.565 USD
-0.33 (-1.87%)
Taking everything into account, EZPW scores 5 out of 10 in our fundamental rating. EZPW was compared to 55 industry peers in the Consumer Finance industry. While EZPW has a great health rating, its profitability is only average at the moment. EZPW is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
EZPW had positive earnings in the past year.
EZPW had a positive operating cash flow in the past year.
EZPW had positive earnings in 4 of the past 5 years.
Of the past 5 years EZPW 4 years had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 5.21%, EZPW is doing good in the industry, outperforming 72.73% of the companies in the same industry.
EZPW has a Return On Equity (9.91%) which is comparable to the rest of the industry.
The Return On Invested Capital of EZPW (5.95%) is better than 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 3 year average ROIC (5.62%) for EZPW is below the current ROIC(5.95%), indicating increased profibility in the last year.
| 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's Profit Margin of 7.96% is in line compared to the rest of the industry. EZPW outperforms 43.64% of its industry peers.
EZPW's Profit Margin has improved in the last couple of years.
The Operating Margin of EZPW (11.30%) is comparable to the rest of the industry.
EZPW's Operating Margin has improved in the last couple of years.
With a Gross Margin value of 58.67%, EZPW perfoms like the industry average, outperforming 58.18% 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 | 11.3% | ||
| 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
EZPW has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
There is no outstanding debt for EZPW. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
An Altman-Z score of 2.65 indicates that EZPW is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.65, 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.
Looking at the Debt to FCF ratio, with a value of 5.24, EZPW is in the better half of the industry, outperforming 74.55% of the companies in the same industry.
EZPW has a Debt/Equity ratio of 0.52. This is a neutral value indicating EZPW is somewhat dependend on debt financing.
EZPW has a Debt to Equity ratio of 0.52. This is in the better half of the industry: EZPW outperforms 70.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 5.24 | ||
| Altman-Z | 2.65 |
ROIC/WACC0.62
WACC9.6%
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.
EZPW has a better Current ratio (6.31) than 90.91% of its industry peers.
A Quick Ratio of 5.00 indicates that EZPW has no problem at all paying its short term obligations.
The Quick ratio of EZPW (5.00) is better than 87.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6.31 | ||
| Quick Ratio | 5 |
3. Growth
3.1 Past
EZPW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.55%, which is quite impressive.
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
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.28, which indicates a correct valuation of EZPW.
Based on the Price/Earnings ratio, EZPW is valued a bit more expensive than the industry average as 60.00% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 25.47. EZPW is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 11.98, which indicates a very decent valuation of EZPW.
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 35.42, EZPW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.28 | ||
| Fwd PE | 11.98 |
4.2 Price Multiples
76.36% 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.79 | ||
| EV/EBITDA | 6.62 |
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)4.8
PEG (5Y)0.41
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 |
NASDAQ:EZPW (11/20/2025, 3:32:47 PM)
17.565
-0.33 (-1.87%)
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 Cap1.07B
Revenue(TTM)N/A
Net Income(TTM)98.11M
Analysts80
Price Target24.14 (37.43%)
Short Float %20.33%
Short Ratio13.66
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 | 12.28 | ||
| Fwd PE | 11.98 | ||
| P/S | 0.87 | ||
| P/FCF | 10.79 | ||
| P/OCF | 7.58 | ||
| P/B | 1.08 | ||
| P/tB | 1.75 | ||
| EV/EBITDA | 6.62 |
EPS(TTM)1.43
EY8.14%
EPS(NY)1.47
Fwd EY8.35%
FCF(TTM)1.63
FCFY9.27%
OCF(TTM)2.32
OCFY13.19%
SpS20.23
BVpS16.26
TBVpS10.02
PEG (NY)4.8
PEG (5Y)0.41
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 | 2.65 |
F-Score7
WACC9.6%
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 5 / 10 to EZPW.
Can you provide the valuation status for EZCORP INC-CL A?
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.
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.