EZCORP INC-CL A (EZPW) Fundamental Analysis & Valuation
NASDAQ:EZPW • US3023011063
Current stock price
27.19 USD
+1.17 (+4.5%)
At close:
26.8417 USD
-0.35 (-1.28%)
After Hours:
This EZPW fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. EZPW Profitability Analysis
1.1 Basic Checks
- EZPW had positive earnings in the past year.
- In the past year EZPW had a positive cash flow from operations.
- In the past 5 years EZPW has always been profitable.
- Each year in the past 5 years EZPW had a positive operating cash flow.
1.2 Ratios
- EZPW's Return On Assets of 6.18% is fine compared to the rest of the industry. EZPW outperforms 72.22% of its industry peers.
- EZPW has a Return On Equity of 11.48%. This is in the lower half of the industry: EZPW underperforms 61.11% of its industry peers.
- EZPW has a better Return On Invested Capital (6.89%) than 64.81% of its industry peers.
- EZPW had an Average Return On Invested Capital over the past 3 years of 6.16%. This is below the industry average of 9.87%.
- The 3 year average ROIC (6.16%) for EZPW is below the current ROIC(6.89%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
- EZPW has a Profit Margin of 9.20%. This is comparable to the rest of the industry: EZPW outperforms 40.74% of its industry peers.
- EZPW's Profit Margin has improved in the last couple of years.
- 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.
- EZPW's Operating Margin has improved in the last couple of years.
- The Gross Margin of EZPW (58.65%) 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 | 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%
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.
- The number of shares outstanding for EZPW has been increased compared to 1 year ago.
- EZPW has more shares outstanding than it did 5 years ago.
- EZPW has a worse debt/assets ratio than last year.
2.2 Solvency
- EZPW has an Altman-Z score of 3.09. This indicates that EZPW is financially healthy and has little risk of bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 3.09, EZPW belongs to the top 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.
- EZPW has a better Debt to FCF ratio (4.27) than 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 4.27 | ||
| Altman-Z | 3.09 |
ROIC/WACC0.91
WACC7.56%
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.
- EZPW has a Quick ratio of 4.69. This is amongst the best in the industry. EZPW outperforms 90.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6.03 | ||
| Quick Ratio | 4.69 |
3. EZPW Growth Analysis
3.1 Past
- EZPW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 31.09%, which is quite impressive.
- EZPW shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 29.67% yearly.
- EZPW shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.06%.
- 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
- Based on estimates for the next years, EZPW will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.16% on average per year.
- The Revenue is expected to grow by 11.78% on average over the next years. This is quite good.
EPS Next Y23.82%
EPS Next 2Y18.58%
EPS Next 3Y17.34%
EPS Next 5Y15.16%
Revenue Next Year24.82%
Revenue Next 2Y17.88%
Revenue Next 3Y14.52%
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.
4. EZPW Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 17.43, which indicates a rather expensive current valuation of EZPW.
- 74.07% of the companies in the same industry are cheaper than EZPW, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 26.17, EZPW is valued a bit cheaper.
- A Price/Forward Earnings ratio of 13.52 indicates a correct valuation of EZPW.
- EZPW's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. EZPW is more expensive than 61.11% of the companies in the same industry.
- EZPW's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.05.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.43 | ||
| Fwd PE | 13.52 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, EZPW is valued a bit cheaper than 75.93% of the companies in the same industry.
- The rest of the industry has a similar Price/Free Cash Flow ratio as EZPW.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.78 | ||
| EV/EBITDA | 8.58 |
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.
- A more expensive valuation may be justified as EZPW's earnings are expected to grow with 17.34% in the coming years.
PEG (NY)0.73
PEG (5Y)0.59
EPS Next 2Y18.58%
EPS Next 3Y17.34%
5. EZPW Dividend Analysis
5.1 Amount
- No dividends for EZPW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
EZPW Fundamentals: All Metrics, Ratios and Statistics
27.19
+1.17 (+4.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-04 2026-02-04/amc
Earnings (Next)04-27 2026-04-27
Inst Owners116.04%
Inst Owner Change-0.04%
Ins Owners5.05%
Ins Owner Change10.27%
Market Cap1.68B
Revenue(TTM)1.34B
Net Income(TTM)122.90M
Analysts80
Price Target32.98 (21.29%)
Short Float %21.95%
Short Ratio12.56
Dividend
| Industry Rank | Sector 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)0%
PT rev (3m)35.66%
EPS NQ rev (1m)3.06%
EPS NQ rev (3m)25.49%
EPS NY rev (1m)0%
EPS NY rev (3m)18.89%
Revenue NQ rev (1m)0.9%
Revenue NQ rev (3m)15.69%
Revenue NY rev (1m)0.5%
Revenue NY rev (3m)12.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.43 | ||
| Fwd PE | 13.52 | ||
| P/S | 1.26 | ||
| P/FCF | 13.78 | ||
| P/OCF | 10.35 | ||
| P/B | 1.57 | ||
| P/tB | 2.47 | ||
| EV/EBITDA | 8.58 |
EPS(TTM)1.56
EY5.74%
EPS(NY)2.01
Fwd EY7.4%
FCF(TTM)1.97
FCFY7.26%
OCF(TTM)2.63
OCFY9.66%
SpS21.66
BVpS17.35
TBVpS11.02
PEG (NY)0.73
PEG (5Y)0.59
Graham Number24.68
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 3.09 |
F-Score6
WACC7.56%
ROIC/WACC0.91
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 Year24.82%
Revenue Next 2Y17.88%
Revenue Next 3Y14.52%
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.
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.