EZCORP INC-CL A (EZPW) Stock Fundamental Analysis
USA - NASDAQ:EZPW - US3023011063 - Common Stock
17.7 USD
+0.09 (+0.51%)
18.24 USD
+0.54 (+3.05%)
Overall EZPW gets a fundamental rating of 6 out of 10. We evaluated EZPW against 55 industry peers in the Consumer Finance industry. While EZPW has a great health rating, its profitability is only average at the moment. EZPW has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year EZPW was profitable.
EZPW had a positive operating cash flow in the past year.
EZPW had positive earnings in 4 of the past 5 years.
Each year in the past 5 years EZPW had a positive operating cash flow.
1.2 Ratios
EZPW has a better Return On Assets (5.21%) than 72.73% of its industry peers.
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 70.91% of its industry peers.
EZPW had an Average Return On Invested Capital over the past 3 years of 5.62%. This is significantly below the industry average of 11.72%.
The last Return On Invested Capital (5.95%) for EZPW is above the 3 year average (5.62%), which is a sign of increasing profitability.
| 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
The Profit Margin of EZPW (7.96%) is comparable to the rest of the industry.
EZPW's Profit Margin has improved in the last couple of years.
EZPW's Operating Margin of 11.30% is in line compared to the rest of the industry. EZPW outperforms 56.36% of its industry peers.
EZPW's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 58.67%, EZPW is in line with its industry, outperforming 58.18% of the companies in the same industry.
In the last couple of years the Gross Margin of EZPW has remained more or less at the same level.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so EZPW is destroying value.
Compared to 1 year ago, EZPW has less shares outstanding
EZPW has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, EZPW has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.64 indicates that EZPW is not a great score, but indicates only limited risk for bankruptcy at the moment.
With an excellent Altman-Z score value of 2.64, EZPW belongs to the best of the industry, outperforming 83.64% of the companies in the same industry.
EZPW has a debt to FCF ratio of 5.24. This is a neutral value as EZPW would need 5.24 years to pay back of all of its debts.
EZPW's Debt to FCF ratio of 5.24 is fine compared to the rest of the industry. EZPW outperforms 74.55% of its industry peers.
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 better Debt to Equity ratio (0.52) than 74.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 5.24 | ||
| Altman-Z | 2.64 |
ROIC/WACC0.62
WACC9.56%
2.3 Liquidity
A Current Ratio of 6.31 indicates that EZPW has no problem at all paying its short term obligations.
EZPW has a Current ratio of 6.31. This is amongst the best in the industry. EZPW outperforms 89.09% of its industry peers.
EZPW has a Quick Ratio of 5.00. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
EZPW's Quick ratio of 5.00 is amongst the best of the industry. EZPW outperforms 87.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6.31 | ||
| Quick Ratio | 5 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 22.73% over the past year.
Measured over the past 5 years, EZPW shows a small growth in Earnings Per Share. The EPS has been growing by 4.66% on average per year.
EZPW shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.30%.
Measured over the past years, EZPW shows a small growth in Revenue. The Revenue has been growing by 6.52% on average per year.
EPS 1Y (TTM)22.73%
EPS 3Y43.8%
EPS 5Y4.66%
EPS Q2Q%43.48%
Revenue 1Y (TTM)8.3%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%10.5%
3.2 Future
The Earnings Per Share is expected to grow by 11.97% on average over the next years. This is quite good.
Based on estimates for the next years, EZPW will show a small growth in Revenue. The Revenue will grow by 6.64% on average per year.
EPS Next Y23.48%
EPS Next 2Y13.92%
EPS Next 3Y13.29%
EPS Next 5Y11.97%
Revenue Next Year8.48%
Revenue Next 2Y7.52%
Revenue Next 3Y8.38%
Revenue Next 5Y6.64%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.11, which indicates a correct valuation of EZPW.
61.82% of the companies in the same industry are cheaper than EZPW, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of EZPW to the average of the S&P500 Index (25.83), we can say EZPW is valued slightly cheaper.
A Price/Forward Earnings ratio of 12.07 indicates a correct valuation of EZPW.
EZPW's Price/Forward Earnings ratio is in line with the industry average.
EZPW's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 32.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.11 | ||
| Fwd PE | 12.07 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, EZPW is valued a bit cheaper than 78.18% of the companies in the same industry.
EZPW's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.87 | ||
| EV/EBITDA | 6.52 |
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.
A more expensive valuation may be justified as EZPW's earnings are expected to grow with 13.29% in the coming years.
PEG (NY)0.56
PEG (5Y)2.82
EPS Next 2Y13.92%
EPS Next 3Y13.29%
5. Dividend
5.1 Amount
EZPW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
17.7
+0.09 (+0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners115.3%
Inst Owner Change-0.25%
Ins Owners4.2%
Ins Owner Change-0.36%
Market Cap1.08B
Revenue(TTM)1.23B
Net Income(TTM)98.11M
Analysts80
Price Target23.26 (31.41%)
Short Float %18.72%
Short Ratio12.48
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)0%
EPS NQ rev (3m)-5.15%
EPS NY rev (1m)0%
EPS NY rev (3m)5.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.53%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.11 | ||
| Fwd PE | 12.07 | ||
| P/S | 0.87 | ||
| P/FCF | 10.87 | ||
| P/OCF | 7.64 | ||
| P/B | 1.09 | ||
| P/tB | 1.77 | ||
| EV/EBITDA | 6.52 |
EPS(TTM)1.35
EY7.63%
EPS(NY)1.47
Fwd EY8.29%
FCF(TTM)1.63
FCFY9.2%
OCF(TTM)2.32
OCFY13.09%
SpS20.23
BVpS16.26
TBVpS10.02
PEG (NY)0.56
PEG (5Y)2.82
Graham Number22.22
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 | 2.64 |
F-Score7
WACC9.56%
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)22.73%
EPS 3Y43.8%
EPS 5Y4.66%
EPS Q2Q%43.48%
EPS Next Y23.48%
EPS Next 2Y13.92%
EPS Next 3Y13.29%
EPS Next 5Y11.97%
Revenue 1Y (TTM)8.3%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%10.5%
Revenue Next Year8.48%
Revenue Next 2Y7.52%
Revenue Next 3Y8.38%
Revenue Next 5Y6.64%
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 6 / 10 to EZPW.
Can you provide the valuation status for EZCORP INC-CL A?
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.
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 23.48% in the next year.