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

NASDAQ:EZPW • US3023011063

Current stock price

25.815 USD
-0.05 (-0.21%)
Last:

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

  • In the past year EZPW was profitable.
  • In the past year EZPW had a positive cash flow from operations.
  • Each year in the past 5 years EZPW has been profitable.
  • EZPW had a positive operating cash flow in each of the past 5 years.
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

  • With a decent Return On Assets value of 6.18%, EZPW is doing good in the industry, outperforming 70.37% of the companies in the same industry.
  • EZPW's Return On Equity of 11.48% is in line compared to the rest of the industry. EZPW outperforms 40.74% of its industry peers.
  • EZPW's Return On Invested Capital of 6.89% is fine compared to the rest of the industry. EZPW outperforms 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 12.42%.
  • 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

  • With a Profit Margin value of 9.20%, 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.
  • With a Operating Margin value of 12.64%, EZPW perfoms like the industry average, outperforming 51.85% of the companies in the same industry.
  • In the last couple of years the Operating Margin of EZPW has grown nicely.
  • EZPW has a Gross Margin (58.65%) which is comparable to the rest of the industry.
  • 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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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.
  • EZPW has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, EZPW has more shares outstanding
  • Compared to 1 year ago, EZPW has a worse debt to assets ratio.
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 3.04. This indicates that EZPW is financially healthy and has little risk of bankruptcy at the moment.
  • With an excellent Altman-Z score value of 3.04, EZPW belongs to the best 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.
  • Looking at the Debt to FCF ratio, with a value of 4.27, EZPW is in the better half of the industry, outperforming 75.93% of the companies in the same industry.
  • EZPW has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
  • 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 3.04
ROIC/WACC0.92
WACC7.45%
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.
  • With an excellent Quick ratio value of 4.69, EZPW belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
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

  • The Earnings Per Share has grown by an impressive 31.09% over the past year.
  • 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.
  • Looking at the last year, EZPW shows a quite strong growth in Revenue. The Revenue has grown by 13.06% in the last year.
  • 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

  • The Earnings Per Share is expected to grow by 15.16% on average over the next years. This is quite good.
  • Based on estimates for the next years, EZPW will show a quite strong growth in Revenue. The Revenue will grow by 11.78% on average per year.
EPS Next Y23.82%
EPS Next 2Y18.58%
EPS Next 3Y17.34%
EPS Next 5Y15.16%
Revenue Next Year24.2%
Revenue Next 2Y17.48%
Revenue Next 3Y13.76%
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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5

4. EZPW Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 16.55, 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 70.37% 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 25.71.
  • A Price/Forward Earnings ratio of 12.84 indicates a correct valuation of EZPW.
  • EZPW's Price/Forward Earnings ratio is in line with the industry average.
  • EZPW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.83, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 16.55
Fwd PE 12.84
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of EZPW indicates a somewhat cheap valuation: EZPW is cheaper than 72.22% of the companies listed in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as EZPW.
Industry RankSector Rank
P/FCF 13.08
EV/EBITDA 8.17
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.
  • The decent profitability rating of EZPW may justify a higher PE ratio.
  • EZPW's earnings are expected to grow with 17.34% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.69
PEG (5Y)0.56
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

  • EZPW does not give a dividend.
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 (3/16/2026, 2:38:47 PM)

25.815

-0.05 (-0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-04
Earnings (Next)04-27
Inst Owners116.04%
Inst Owner Change4.97%
Ins Owners5.05%
Ins Owner Change7.83%
Market Cap1.59B
Revenue(TTM)1.34B
Net Income(TTM)122.90M
Analysts80
Price Target32.98 (27.76%)
Short Float %22.36%
Short Ratio12.66
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)27.63%
PT rev (3m)35.66%
EPS NQ rev (1m)10.78%
EPS NQ rev (3m)21.76%
EPS NY rev (1m)18.02%
EPS NY rev (3m)19.48%
Revenue NQ rev (1m)1.9%
Revenue NQ rev (3m)14.66%
Revenue NY rev (1m)11.1%
Revenue NY rev (3m)11.57%
Valuation
Industry RankSector Rank
PE 16.55
Fwd PE 12.84
P/S 1.19
P/FCF 13.08
P/OCF 9.82
P/B 1.49
P/tB 2.34
EV/EBITDA 8.17
EPS(TTM)1.56
EY6.04%
EPS(NY)2.01
Fwd EY7.79%
FCF(TTM)1.97
FCFY7.64%
OCF(TTM)2.63
OCFY10.18%
SpS21.66
BVpS17.35
TBVpS11.02
PEG (NY)0.69
PEG (5Y)0.56
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 3.04
F-Score6
WACC7.45%
ROIC/WACC0.92
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 Year24.2%
Revenue Next 2Y17.48%
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 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.


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 16.55 and the Price/Book (PB) ratio is 1.49.