EZCORP INC-CL A (EZPW) Stock Fundamental Analysis
USA - NASDAQ:EZPW - US3023011063 - Common Stock
18.55 USD
-0.16 (-0.86%)
19.2814 USD
+0.73 (+3.94%)
We assign a fundamental rating of 6 out of 10 to EZPW. EZPW was compared to 55 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 decent growth rate and is not valued too expensively.
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 Return On Assets of 5.21%. This is in the better half of the industry: EZPW outperforms 74.55% of its industry peers.
The Return On Equity of EZPW (9.91%) is comparable to the rest of the industry.
With a decent Return On Invested Capital value of 5.95%, EZPW is doing good in the industry, outperforming 70.91% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for EZPW is significantly below the industry average of 10.98%.
The last Return On Invested Capital (5.95%) for EZPW is above the 3 year average (5.62%), which is a sign of increasing profitability.
| 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
The Profit Margin of EZPW (7.96%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of EZPW has grown nicely.
EZPW's Operating Margin of 11.30% is in line compared to the rest of the industry. EZPW outperforms 56.36% of its industry peers.
In the last couple of years the Operating Margin of EZPW has grown nicely.
EZPW has a Gross Margin (58.67%) which is comparable to the rest of the 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 | 11.3% | ||
| 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
EZPW has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
EZPW has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, EZPW has less shares outstanding
EZPW has a better debt/assets ratio than last year.
2.2 Solvency
EZPW has an Altman-Z score of 2.68. 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 2.68, EZPW belongs to the top of the industry, outperforming 83.64% of the companies in the same industry.
The Debt to FCF ratio of EZPW is 5.24, which is a neutral value as it means it would take EZPW, 5.24 years of fcf income to pay off 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 74.55% of its industry peers.
EZPW has a Debt/Equity ratio of 0.52. This is a neutral value indicating EZPW is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.52, EZPW is doing good in the industry, outperforming 74.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 5.24 | ||
| Altman-Z | 2.68 |
ROIC/WACC0.61
WACC9.78%
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.
EZPW has a Current ratio of 6.31. This is amongst the best in the industry. EZPW outperforms 89.09% of its industry peers.
EZPW has a Quick Ratio of 5.00. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 5.00, EZPW belongs to the best of the industry, outperforming 87.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6.31 | ||
| Quick Ratio | 5 |
3. Growth
3.1 Past
EZPW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.73%, which is quite impressive.
The Earnings Per Share has been growing slightly by 4.66% on average over the past years.
Looking at the last year, EZPW shows a quite strong growth in Revenue. The Revenue has grown by 8.30% in the last year.
Measured over the past years, EZPW shows a small growth in Revenue. The Revenue has been growing by 6.52% on average per year.
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
EZPW is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.97% yearly.
The Revenue is expected to grow by 6.64% on average over the next years.
EPS Next Y23.48%
EPS Next 2Y13.46%
EPS Next 3Y12.74%
EPS Next 5Y11.97%
Revenue Next Year8.48%
Revenue Next 2Y7.52%
Revenue Next 3Y8.38%
Revenue Next 5Y6.64%
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.
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
A Price/Earnings ratio of 13.74 indicates a correct valuation of EZPW.
EZPW's Price/Earnings ratio is a bit more expensive when compared to the industry. EZPW is more expensive than 60.00% of the companies in the same industry.
EZPW's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.40.
With a Price/Forward Earnings ratio of 12.75, EZPW is valued correctly.
EZPW's Price/Forward Earnings ratio is in line with the industry average.
EZPW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.74 | ||
| Fwd PE | 12.75 |
4.2 Price Multiples
EZPW's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. EZPW is cheaper than 76.36% of the companies in the same industry.
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 | 11.4 | ||
| EV/EBITDA | 6.85 |
4.3 Compensation for Growth
EZPW's 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 12.74% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.59
PEG (5Y)2.95
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 |
18.55
-0.16 (-0.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners115.3%
Inst Owner Change0.32%
Ins Owners4.2%
Ins Owner Change-0.36%
Market Cap1.13B
Analysts80
Price Target21.22 (14.39%)
Short Float %16.64%
Short Ratio11.71
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%
PT rev (3m)-0.95%
EPS NQ rev (1m)0.75%
EPS NQ rev (3m)-3.89%
EPS NY rev (1m)0.74%
EPS NY rev (3m)5.39%
Revenue NQ rev (1m)1.12%
Revenue NQ rev (3m)2.54%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)0.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.74 | ||
| Fwd PE | 12.75 | ||
| P/S | 0.92 | ||
| P/FCF | 11.4 | ||
| P/OCF | 8.01 | ||
| P/B | 1.14 | ||
| P/tB | 1.85 | ||
| EV/EBITDA | 6.85 |
EPS(TTM)1.35
EY7.28%
EPS(NY)1.45
Fwd EY7.84%
FCF(TTM)1.63
FCFY8.77%
OCF(TTM)2.32
OCFY12.49%
SpS20.23
BVpS16.26
TBVpS10.02
PEG (NY)0.59
PEG (5Y)2.95
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 | 2.68 |
F-Score7
WACC9.78%
ROIC/WACC0.61
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 Y23.48%
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 Year8.48%
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 Year71.08%
EBIT Next 3Y28.04%
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%