EZPW gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. EZPW has an average financial health and profitability rating. EZPW has a correct valuation and a medium growth rate.

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

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.
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

The Return On Assets of EZPW (5.62%) is better than 71.70% of its industry peers.
EZPW has a Return On Equity of 10.69%. This is comparable to the rest of the industry: EZPW outperforms 41.51% of its industry peers.
EZPW has a better Return On Invested Capital (6.29%) than 64.15% of its industry peers.
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

The Profit Margin of EZPW (8.60%) is worse than 64.15% of its industry peers.
EZPW's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 11.79%, EZPW perfoms like the industry average, outperforming 49.06% 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 58.49% 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	11.79%
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

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 more shares outstanding
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 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.
EZPW has a Altman-Z score of 2.75. This is amongst the best in the industry. EZPW outperforms 88.68% of its industry peers.
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.
The Debt to FCF ratio of EZPW (4.70) is better than 77.36% of its industry peers.
EZPW has a Debt/Equity ratio of 0.51. This is a neutral value indicating EZPW is somewhat dependend on debt financing.
EZPW has a Debt to Equity ratio of 0.51. This is in the better half of the industry: EZPW outperforms 73.58% of its industry peers.

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

ROIC/WACC0.88

WACC7.18%

2.3 Liquidity

A Current Ratio of 5.61 indicates that EZPW has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 5.61, EZPW belongs to the top of the industry, outperforming 90.57% of the companies in the same industry.
EZPW has a Quick Ratio of 4.37. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
EZPW has a Quick ratio of 4.37. This is amongst the best in the industry. EZPW outperforms 90.57% 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.
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 9.70%.
Measured over the past years, EZPW shows a quite strong growth in Revenue. The Revenue has been growing by 9.14% on average per year.

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.
The Revenue is expected to grow by 6.64% on average over the next years.

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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 15.03, the valuation of EZPW can be described as correct.
Based on the Price/Earnings ratio, EZPW is valued a bit more expensive than the industry average as 66.04% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 27.25. EZPW is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 14.33 indicates a correct valuation of EZPW.
EZPW's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, EZPW is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	15.03
Fwd PE	14.33

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, EZPW is valued a bit cheaper than the industry average as 77.36% of the companies are valued more expensively.
EZPW's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	11.86
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.
The decent profitability rating of EZPW may justify a higher PE ratio.
EZPW's earnings are expected to grow with 12.85% in the coming years. This may justify a more expensive valuation.