EZCORP INC-CL A (EZPW) Stock Fundamental Analysis
NASDAQ:EZPW - Nasdaq - US3023011063 - Common Stock - Currency: USD
We assign a fundamental rating of 6 out of 10 to EZPW. EZPW was compared to 52 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year EZPW was profitable.
In the past year EZPW had a positive cash flow from operations.
EZPW had positive earnings in 4 of the past 5 years.
In the past 5 years EZPW always reported a positive cash flow from operatings.
1.2 Ratios
EZPW has a better Return On Assets (4.89%) than 76.92% of its industry peers.
EZPW has a Return On Equity (10.52%) which is in line with its industry peers.
EZPW has a better Return On Invested Capital (5.86%) than 69.23% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for EZPW is below the industry average of 10.31%.
The last Return On Invested Capital (5.86%) for EZPW is above the 3 year average (5.62%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.89% | ||
| ROE | 10.52% | ||
| ROIC | 5.86% |
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 7.45% is in line compared to the rest of the industry. EZPW outperforms 40.38% of its industry peers.
In the last couple of years the Profit Margin of EZPW has grown nicely.
EZPW's Operating Margin of 10.43% is in line compared to the rest of the industry. EZPW outperforms 53.85% of its industry peers.
EZPW's Operating Margin has improved in the last couple of years.
EZPW has a Gross Margin (58.71%) which is comparable to the rest of the industry.
EZPW's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.43% | ||
| PM (TTM) | 7.45% | ||
| GM | 58.71% |
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EZPW is destroying value.
EZPW has less shares outstanding than it did 1 year ago.
The number of shares outstanding for EZPW has been reduced compared to 5 years ago.
EZPW has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.31 indicates that EZPW is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of EZPW (2.31) is better than 73.08% of its industry peers.
EZPW has a debt to FCF ratio of 5.99. This is a neutral value as EZPW would need 5.99 years to pay back of all of its debts.
The Debt to FCF ratio of EZPW (5.99) is comparable to the rest of the industry.
EZPW has a Debt/Equity ratio of 0.61. This is a neutral value indicating EZPW is somewhat dependend on debt financing.
EZPW's Debt to Equity ratio of 0.61 is fine compared to the rest of the industry. EZPW outperforms 71.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 5.99 | ||
| Altman-Z | 2.31 |
ROIC/WACC0.78
WACC7.48%
2.3 Liquidity
EZPW has a Current Ratio of 4.04. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 4.04, EZPW belongs to the best of the industry, outperforming 84.62% of the companies in the same industry.
A Quick Ratio of 3.25 indicates that EZPW has no problem at all paying its short term obligations.
EZPW has a Quick ratio of 3.25. This is amongst the best in the industry. EZPW outperforms 84.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.04 | ||
| Quick Ratio | 3.25 |
3. Growth
3.1 Past
EZPW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.82%, which is quite good.
EZPW shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.66% yearly.
EZPW shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.14%.
EZPW shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.52% yearly.
EPS 1Y (TTM)16.82%
EPS 3Y43.8%
EPS 5Y4.66%
EPS Q2Q%21.43%
Revenue 1Y (TTM)8.14%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%7.24%
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 12.31% yearly.
The Revenue is expected to grow by 6.48% on average over the next years.
EPS Next Y17.16%
EPS Next 2Y11.61%
EPS Next 3Y13.5%
EPS Next 5Y12.31%
Revenue Next Year7.63%
Revenue Next 2Y7.01%
Revenue Next 3Y7.56%
Revenue Next 5Y6.48%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
EZPW is valuated reasonably with a Price/Earnings ratio of 11.22.
The rest of the industry has a similar Price/Earnings ratio as EZPW.
When comparing the Price/Earnings ratio of EZPW to the average of the S&P500 Index (27.45), we can say EZPW is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.97, the valuation of EZPW can be described as reasonable.
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 (21.90), we can say EZPW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.22 | ||
| Fwd PE | 9.97 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, EZPW is valued a bit cheaper than 76.92% of the companies in the same industry.
EZPW's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.43 | ||
| EV/EBITDA | 5.57 |
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.
EZPW has a very decent profitability rating, which may justify a higher PE ratio.
EZPW's earnings are expected to grow with 13.50% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.65
PEG (5Y)2.41
EPS Next 2Y11.61%
EPS Next 3Y13.5%
5. Dividend
5.1 Amount
No dividends for EZPW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
14.03
+0.16 (+1.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners121.62%
Inst Owner Change1.56%
Ins Owners4.86%
Ins Owner Change0.96%
Market Cap771.79M
Analysts82
Price Target21.17 (50.89%)
Short Float %17.58%
Short Ratio6.33
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)9.41%
Min EPS beat(2)7.53%
Max EPS beat(2)11.29%
EPS beat(4)3
Avg EPS beat(4)4.97%
Min EPS beat(4)-3.81%
Max EPS beat(4)11.29%
EPS beat(8)7
Avg EPS beat(8)12.35%
EPS beat(12)11
Avg EPS beat(12)33.91%
EPS beat(16)14
Avg EPS beat(16)57.82%
Revenue beat(2)0
Avg Revenue beat(2)-3%
Min Revenue beat(2)-3.23%
Max Revenue beat(2)-2.77%
Revenue beat(4)1
Avg Revenue beat(4)-1.8%
Min Revenue beat(4)-3.23%
Max Revenue beat(4)0.1%
Revenue beat(8)1
Avg Revenue beat(8)-1.11%
Revenue beat(12)5
Avg Revenue beat(12)1.37%
Revenue beat(16)9
Avg Revenue beat(16)2.11%
PT rev (1m)0%
PT rev (3m)23.88%
EPS NQ rev (1m)1.89%
EPS NQ rev (3m)-12.4%
EPS NY rev (1m)3.02%
EPS NY rev (3m)-1.1%
Revenue NQ rev (1m)0.23%
Revenue NQ rev (3m)0.32%
Revenue NY rev (1m)-0.39%
Revenue NY rev (3m)-0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.22 | ||
| Fwd PE | 9.97 | ||
| P/S | 0.64 | ||
| P/FCF | 7.43 | ||
| P/OCF | 5.51 | ||
| P/B | 0.91 | ||
| P/tB | 1.58 | ||
| EV/EBITDA | 5.57 |
EPS(TTM)1.25
EY8.91%
EPS(NY)1.41
Fwd EY10.03%
FCF(TTM)1.89
FCFY13.46%
OCF(TTM)2.54
OCFY18.14%
SpS21.86
BVpS15.48
TBVpS8.89
PEG (NY)0.65
PEG (5Y)2.41
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.89% | ||
| ROE | 10.52% | ||
| ROCE | 8.01% | ||
| ROIC | 5.86% | ||
| ROICexc | 8.65% | ||
| ROICexgc | 13.14% | ||
| OM | 10.43% | ||
| PM (TTM) | 7.45% | ||
| GM | 58.71% | ||
| FCFM | 8.64% |
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%
ROICexcg growth 3Y37.52%
ROICexcg 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-Score5
Asset Turnover0.66
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 5.99 | ||
| Debt/EBITDA | 3.28 | ||
| Cap/Depr | 110.53% | ||
| Cap/Sales | 3% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 88.59% | ||
| Profit Quality | 116.03% | ||
| Current Ratio | 4.04 | ||
| Quick Ratio | 3.25 | ||
| Altman-Z | 2.31 |
F-Score5
WACC7.48%
ROIC/WACC0.78
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)16.82%
EPS 3Y43.8%
EPS 5Y4.66%
EPS Q2Q%21.43%
EPS Next Y17.16%
EPS Next 2Y11.61%
EPS Next 3Y13.5%
EPS Next 5Y12.31%
Revenue 1Y (TTM)8.14%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%7.24%
Revenue Next Year7.63%
Revenue Next 2Y7.01%
Revenue Next 3Y7.56%
Revenue Next 5Y6.48%
EBIT growth 1Y21.48%
EBIT growth 3Y51.97%
EBIT growth 5Y17.14%
EBIT Next Year62.08%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y142.2%
FCF growth 3Y50.57%
FCF growth 5Y3.77%
OCF growth 1Y69.26%
OCF growth 3Y34.78%
OCF growth 5Y1.88%