Taking everything into account, EZPW scores 5 out of 10 in our fundamental rating. EZPW was compared to 53 industry peers in the Consumer Finance industry. EZPW has only an average score on both its financial health and profitability. EZPW is not valued too expensively and it also shows a decent growth rate.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

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.
In the past 5 years EZPW always reported a positive cash flow from operatings.

1.2 Ratios

Looking at the Return On Assets, with a value of 5.62%, EZPW is in the better half of the industry, outperforming 72.22% of the companies in the same industry.
EZPW's Return On Equity of 10.69% is in line compared to the rest of the industry. EZPW outperforms 42.59% of its industry peers.
With a decent Return On Invested Capital value of 6.29%, EZPW is doing good in the industry, outperforming 64.81% of the companies in the same industry.
EZPW had an Average Return On Invested Capital over the past 3 years of 6.16%. This is significantly below the industry average of 12.42%.
The 3 year average ROIC (6.16%) for EZPW is below the current ROIC(6.29%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	5.62%
ROE	10.69%
ROIC	6.29%

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

Looking at the Profit Margin, with a value of 8.60%, EZPW is doing worse than 62.96% of the companies in the same industry.
EZPW's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 11.79%, EZPW is in line with its industry, outperforming 50.00% of the companies in the same industry.
In the last couple of years the Operating Margin of EZPW has grown nicely.
Looking at the Gross Margin, with a value of 58.55%, EZPW is in line with its industry, outperforming 57.41% of the companies in the same industry.
EZPW's Gross Margin has been stable in the last couple of years.

		Industry Rank	Sector Rank
OM	11.79%
PM (TTM)	8.6%
GM	58.55%

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

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.
The number of shares outstanding for EZPW has been increased compared to 5 years ago.
EZPW has a worse debt/assets ratio than last year.

2.2 Solvency

EZPW has an Altman-Z score of 2.75. This is not the best score and indicates that EZPW is in the grey zone with still only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.75, EZPW belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
The Debt to FCF ratio of EZPW is 4.70, which is a neutral value as it means it would take EZPW, 4.70 years of fcf income to pay off all of its debts.
EZPW's Debt to FCF ratio of 4.70 is fine compared to the rest of the industry. EZPW outperforms 77.78% of its industry peers.
A Debt/Equity ratio of 0.51 indicates that EZPW is somewhat dependend on debt financing.
The Debt to Equity ratio of EZPW (0.51) is better than 74.07% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.51
Debt/FCF	4.7
Altman-Z	2.75

ROIC/WACC0.88

WACC7.15%

2.3 Liquidity

A Current Ratio of 5.61 indicates that EZPW has no problem at all paying its short term obligations.
EZPW has a better Current ratio (5.61) than 90.74% of its industry peers.
A Quick Ratio of 4.37 indicates that EZPW has no problem at all paying its short term obligations.
EZPW has a Quick ratio of 4.37. This is amongst the best in the industry. EZPW outperforms 90.74% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	5.61
Quick Ratio	4.37

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 26.55% over the past year.
The Earnings Per Share has been growing by 29.67% on average over the past years. This is a very strong growth
EZPW shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.70%.
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)26.55%

EPS 3Y24%

EPS 5Y29.67%

EPS Q2Q%30.77%

Revenue 1Y (TTM)9.7%

Revenue growth 3Y12.87%

Revenue growth 5Y9.14%

Sales Q2Q%14.35%

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 10.21% on average per year.
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 Y4.91%

EPS Next 2Y10.39%

EPS Next 3Y12.85%

EPS Next 5Y10.21%

Revenue Next Year11.79%

Revenue Next 2Y10.39%

Revenue Next 3Y9.35%

Revenue Next 5Y6.64%

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 decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.78, EZPW is valued correctly.
Based on the Price/Earnings ratio, EZPW is valued a bit more expensive than the industry average as 64.81% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 27.21. EZPW is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 14.08 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 (25.98), we can say EZPW is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	14.78
Fwd PE	14.08

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, EZPW is valued a bit cheaper than the industry average as 77.78% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of EZPW is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	11.65
EV/EBITDA	7.31

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive 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 12.85% in the coming years.