EZCORP INC-CL A (EZPW) Stock Fundamental Analysis
USA - NASDAQ:EZPW - US3023011063 - Common Stock
17.16 USD
-0.11 (-0.64%)
17.22 USD
+0.06 (+0.35%)
Taking everything into account, EZPW scores 6 out of 10 in our fundamental rating. EZPW was compared to 54 industry peers in the Consumer Finance industry. While EZPW has a great health rating, its profitability is only average at the moment. EZPW is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year EZPW was profitable.
EZPW had a positive operating cash flow in the past year.
Of the past 5 years EZPW 4 years were profitable.
EZPW had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of EZPW (5.21%) is better than 74.07% of its industry peers.
With a Return On Equity value of 9.91%, EZPW perfoms like the industry average, outperforming 51.85% of the companies in the same industry.
EZPW has a better Return On Invested Capital (5.95%) than 70.37% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for EZPW is significantly below the industry average of 11.02%.
The 3 year average ROIC (5.62%) for EZPW is below the current ROIC(5.95%), indicating increased profibility in the last year.
| 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
With a Profit Margin value of 7.96%, EZPW perfoms like the industry average, outperforming 42.59% of the companies in the same industry.
In the last couple of years the Profit Margin of EZPW has grown nicely.
EZPW has a Operating Margin (11.30%) which is comparable to the rest of the industry.
EZPW's Operating Margin has improved in the last couple of years.
EZPW has a Gross Margin of 58.67%. This is comparable 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 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
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 reduced compared to 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 2.62 indicates that EZPW is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.62, EZPW belongs to the top of the industry, outperforming 81.48% 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 has a Debt to FCF ratio of 5.24. This is in the better half of the industry: EZPW outperforms 72.22% of its industry peers.
A Debt/Equity ratio of 0.52 indicates that EZPW is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.52, EZPW is in the better half of the industry, outperforming 74.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 5.24 | ||
| Altman-Z | 2.62 |
ROIC/WACC0.59
WACC10.01%
2.3 Liquidity
EZPW has a Current Ratio of 6.31. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 6.31, EZPW belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
A Quick Ratio of 5.00 indicates that EZPW has no problem at all paying its short term obligations.
EZPW has a Quick ratio of 5.00. This is amongst the best in the industry. EZPW outperforms 87.04% 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.
The Earnings Per Share has been growing slightly by 4.66% on average over the past years.
The Revenue has grown by 8.30% in the past year. This is quite good.
The Revenue has been growing slightly by 6.52% on average over the past years.
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
Based on estimates for the next years, EZPW will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.97% 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 Y22.58%
EPS Next 2Y13.46%
EPS Next 3Y12.74%
EPS Next 5Y11.97%
Revenue Next Year8.57%
Revenue Next 2Y7.52%
Revenue Next 3Y8.38%
Revenue Next 5Y6.64%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
Based on the Price/Earnings ratio of 12.71, the valuation of EZPW can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as EZPW.
The average S&P500 Price/Earnings ratio is at 27.20. EZPW is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 11.80, which indicates a very decent valuation of EZPW.
EZPW's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.71. EZPW is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.71 | ||
| Fwd PE | 11.8 |
4.2 Price Multiples
EZPW's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. EZPW is cheaper than 77.78% 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 | 10.54 | ||
| EV/EBITDA | 6.4 |
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 12.74% in the coming years.
PEG (NY)0.56
PEG (5Y)2.73
EPS Next 2Y13.46%
EPS Next 3Y12.74%
5. Dividend
5.1 Amount
EZPW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
17.16
-0.11 (-0.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners124.51%
Inst Owner Change6.17%
Ins Owners4.69%
Ins Owner Change-0.2%
Market Cap1.05B
Analysts80
Price Target21.22 (23.66%)
Short Float %16.53%
Short Ratio13.08
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)-0.95%
PT rev (3m)0.24%
EPS NQ rev (1m)-1.15%
EPS NQ rev (3m)-4.61%
EPS NY rev (1m)4.62%
EPS NY rev (3m)7.78%
Revenue NQ rev (1m)0.72%
Revenue NQ rev (3m)1.4%
Revenue NY rev (1m)0.79%
Revenue NY rev (3m)1.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.71 | ||
| Fwd PE | 11.8 | ||
| P/S | 0.85 | ||
| P/FCF | 10.54 | ||
| P/OCF | 7.41 | ||
| P/B | 1.06 | ||
| P/tB | 1.71 | ||
| EV/EBITDA | 6.4 |
EPS(TTM)1.35
EY7.87%
EPS(NY)1.45
Fwd EY8.48%
FCF(TTM)1.63
FCFY9.48%
OCF(TTM)2.32
OCFY13.5%
SpS20.23
BVpS16.26
TBVpS10.02
PEG (NY)0.56
PEG (5Y)2.73
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%
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-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 | 2.62 |
F-Score7
WACC10.01%
ROIC/WACC0.59
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 Y22.58%
EPS Next 2Y13.46%
EPS Next 3Y12.74%
EPS Next 5Y11.97%
Revenue 1Y (TTM)8.3%
Revenue growth 3Y16.77%
Revenue growth 5Y6.52%
Sales Q2Q%10.5%
Revenue Next Year8.57%
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 Year70.64%
EBIT Next 3Y28.5%
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%