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

NASDAQ:EZPW • US3023011063

Current stock price

30.73 USD
+0.19 (+0.62%)
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.
  • EZPW had a positive operating cash flow in the past year.
  • 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 has a Return On Assets of 6.18%. This is in the better half of the industry: EZPW outperforms 74.07% of its industry peers.
  • The Return On Equity of EZPW (11.48%) is comparable to the rest of the industry.
  • 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 below the industry average of 9.60%.
  • 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

  • EZPW has a Profit Margin (9.20%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of EZPW has grown nicely.
  • 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.
  • In the last couple of years the Operating Margin of EZPW has grown nicely.
  • EZPW's Gross Margin of 58.65% is in line compared to the rest of the industry. EZPW outperforms 57.41% of its industry peers.
  • 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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7

2. EZPW Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so EZPW is destroying value.
  • EZPW has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for EZPW has been increased compared to 5 years ago.
  • The debt/assets ratio for EZPW is higher compared to a year ago.
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

  • An Altman-Z score of 3.23 indicates that EZPW is not in any danger for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 3.23, EZPW belongs to the top of the industry, outperforming 90.74% of the companies in the same industry.
  • The Debt to FCF ratio of EZPW is 4.27, which is a neutral value as it means it would take EZPW, 4.27 years of fcf income to pay off all of its debts.
  • EZPW's Debt to FCF ratio of 4.27 is fine compared to the rest of the industry. EZPW outperforms 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 3.23
ROIC/WACC0.9
WACC7.62%
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

  • A Current Ratio of 6.03 indicates that EZPW has no problem at all paying its short term obligations.
  • With an excellent Current ratio value of 6.03, EZPW belongs to the best of the industry, outperforming 92.59% of the companies in the same industry.
  • 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 90.74% 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.
  • 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

  • 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 Y27.88%
EPS Next 2Y19.89%
EPS Next 3Y17.86%
EPS Next 5Y15.16%
Revenue Next Year24.75%
Revenue Next 2Y17.85%
Revenue Next 3Y14.52%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

5

4. EZPW Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 19.70 indicates a rather expensive valuation of EZPW.
  • Based on the Price/Earnings ratio, EZPW is valued a bit more expensive than 70.37% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.89. EZPW is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 14.95 indicates a correct valuation of EZPW.
  • EZPW's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of EZPW to the average of the S&P500 Index (38.50), we can say EZPW is valued rather cheaply.
Industry RankSector Rank
PE 19.7
Fwd PE 14.95
EZPW Price Earnings VS Forward Price EarningsEZPW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, EZPW is valued a bit cheaper than the industry average as 75.93% of the companies are valued more expensively.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as EZPW.
Industry RankSector Rank
P/FCF 15.58
EV/EBITDA 9.6
EZPW Per share dataEZPW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • EZPW's 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.
  • EZPW's earnings are expected to grow with 17.86% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.71
PEG (5Y)0.66
EPS Next 2Y19.89%
EPS Next 3Y17.86%

More info and screens

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 (4/20/2026, 12:56:31 PM)

30.73

+0.19 (+0.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-04
Earnings (Next)05-06
Inst Owners115.97%
Inst Owner Change-0.16%
Ins Owners5.04%
Ins Owner Change10.27%
Market Cap1.90B
Revenue(TTM)1.34B
Net Income(TTM)122.90M
Analysts80
Price Target34 (10.64%)
Short Float %18.53%
Short Ratio10.31
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)3.09%
PT rev (3m)34.23%
EPS NQ rev (1m)3.42%
EPS NQ rev (3m)24.89%
EPS NY rev (1m)3.28%
EPS NY rev (3m)22.8%
Revenue NQ rev (1m)0.91%
Revenue NQ rev (3m)15.7%
Revenue NY rev (1m)0.44%
Revenue NY rev (3m)11.59%
Valuation
Industry RankSector Rank
PE 19.7
Fwd PE 14.95
P/S 1.42
P/FCF 15.58
P/OCF 11.69
P/B 1.77
P/tB 2.79
EV/EBITDA 9.6
EPS(TTM)1.56
EY5.08%
EPS(NY)2.06
Fwd EY6.69%
FCF(TTM)1.97
FCFY6.42%
OCF(TTM)2.63
OCFY8.55%
SpS21.66
BVpS17.35
TBVpS11.02
PEG (NY)0.71
PEG (5Y)0.66
Graham Number24.68 (-19.69%)
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 3.23
F-Score6
WACC7.62%
ROIC/WACC0.9
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 Y27.88%
EPS Next 2Y19.89%
EPS Next 3Y17.86%
EPS Next 5Y15.16%
Revenue 1Y (TTM)13.06%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%19.32%
Revenue Next Year24.75%
Revenue Next 2Y17.85%
Revenue Next 3Y14.52%
Revenue Next 5Y11.78%
EBIT growth 1Y42.68%
EBIT growth 3Y25.16%
EBIT growth 5Y40.43%
EBIT Next Year67.72%
EBIT Next 3Y26.62%
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.