21.18 USD
-0.25 (-1.17%)
21.68 USD
+0.5 (+2.36%)
EZPW gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. EZPW has only an average score on both its financial health and profitability. EZPW has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- EZPW had positive earnings in the past year.
- EZPW had a positive operating cash flow in the past year.
- Each year in the past 5 years EZPW has been profitable.
- Each year in the past 5 years EZPW had a positive operating cash flow.
1.2 Ratios
- EZPW has a better Return On Assets (5.62%) than 72.22% of its industry peers.
- Looking at the Return On Equity, with a value of 10.69%, EZPW is in line with its industry, outperforming 42.59% of the companies in the same industry.
- 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.
- Measured over the past 3 years, the Average Return On Invested Capital for EZPW 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
- EZPW has a worse Profit Margin (8.60%) than 62.96% of its industry peers.
- EZPW's Profit Margin has improved in the last couple of years.
- EZPW has a Operating Margin of 11.79%. This is comparable to the rest of the industry: EZPW outperforms 50.00% of its industry peers.
- In the last couple of years the Operating Margin of EZPW has grown nicely.
- EZPW has a Gross Margin (58.55%) 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 | 11.79% | ||
| 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%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
- Compared to 1 year ago, EZPW has a worse debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 2.75 indicates that EZPW is not a great score, but indicates only limited risk for bankruptcy at the moment.
- EZPW's Altman-Z score of 2.75 is amongst the best of the industry. EZPW outperforms 88.89% 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.
- With a decent Debt to FCF ratio value of 4.70, EZPW is doing good in the industry, outperforming 77.78% of the companies in the same industry.
- A Debt/Equity ratio of 0.51 indicates that EZPW is somewhat dependend on debt financing.
- EZPW's Debt to Equity ratio of 0.51 is fine compared to the rest of the industry. EZPW outperforms 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
WACC7.16%
2.3 Liquidity
- EZPW has a Current Ratio of 5.61. This indicates that EZPW is financially healthy and has no problem in meeting its short term obligations.
- With an excellent Current ratio value of 5.61, EZPW belongs to the best of the industry, outperforming 90.74% of the companies in the same industry.
- A Quick Ratio of 4.37 indicates that EZPW has no problem at all paying its short term obligations.
- With an excellent Quick ratio value of 4.37, EZPW belongs to the best of the industry, outperforming 90.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.61 | ||
| Quick Ratio | 4.37 |
3. Growth
3.1 Past
- EZPW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.55%, 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.
- The Revenue has grown by 9.70% in the past year. This is quite good.
- The Revenue has been growing by 9.14% on average over the past years. This is quite good.
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
- EZPW is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.21% yearly.
- The Revenue is expected to grow by 6.64% on average over the next years.
EPS Next Y4.14%
EPS Next 2Y9.98%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 14.81 indicates a correct valuation of EZPW.
- 64.81% of the companies in the same industry are cheaper than EZPW, based on the Price/Earnings ratio.
- EZPW is valuated rather cheaply when we compare the Price/Earnings ratio to 26.94, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 14.22, EZPW is valued correctly.
- EZPW's Price/Forward Earnings is on the same level as the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 23.94. EZPW is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.81 | ||
| Fwd PE | 14.22 |
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.
- 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 | 11.68 | ||
| EV/EBITDA | 7.33 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates EZPW does not grow enough to justify the current Price/Earnings ratio.
- The decent profitability rating of EZPW 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.
PEG (NY)3.58
PEG (5Y)0.5
EPS Next 2Y9.98%
EPS Next 3Y12.85%
5. Dividend
5.1 Amount
- No dividends for EZPW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
21.18
-0.25 (-1.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-13 2025-11-13/amc
Earnings (Next)02-03 2026-02-03
Inst Owners114.86%
Inst Owner Change0.77%
Ins Owners5.23%
Ins Owner Change9.07%
Market Cap1.29B
Revenue(TTM)1.27B
Net Income(TTM)109.61M
Analysts80
Price Target25.33 (19.59%)
Short Float %24.85%
Short Ratio14.01
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)21.86%
Min EPS beat(2)13.27%
Max EPS beat(2)30.46%
EPS beat(4)4
Avg EPS beat(4)15.63%
Min EPS beat(4)7.53%
Max EPS beat(4)30.46%
EPS beat(8)7
Avg EPS beat(8)11.89%
EPS beat(12)11
Avg EPS beat(12)17.86%
EPS beat(16)15
Avg EPS beat(16)32.94%
Revenue beat(2)2
Avg Revenue beat(2)1.27%
Min Revenue beat(2)0.78%
Max Revenue beat(2)1.76%
Revenue beat(4)2
Avg Revenue beat(4)-0.86%
Min Revenue beat(4)-3.23%
Max Revenue beat(4)1.76%
Revenue beat(8)3
Avg Revenue beat(8)-0.76%
Revenue beat(12)5
Avg Revenue beat(12)0.17%
Revenue beat(16)9
Avg Revenue beat(16)1.73%
PT rev (1m)4.2%
PT rev (3m)19.39%
EPS NQ rev (1m)0.66%
EPS NQ rev (3m)1.66%
EPS NY rev (1m)0.49%
EPS NY rev (3m)2.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.25%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)5.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.81 | ||
| Fwd PE | 14.22 | ||
| P/S | 1.01 | ||
| P/FCF | 11.68 | ||
| P/OCF | 8.66 | ||
| P/B | 1.26 | ||
| P/tB | 2.01 | ||
| EV/EBITDA | 7.33 |
EPS(TTM)1.43
EY6.75%
EPS(NY)1.49
Fwd EY7.03%
FCF(TTM)1.81
FCFY8.56%
OCF(TTM)2.45
OCFY11.55%
SpS20.93
BVpS16.84
TBVpS10.54
PEG (NY)3.58
PEG (5Y)0.5
Graham Number23.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.62% | ||
| ROE | 10.69% | ||
| ROCE | 8.58% | ||
| ROIC | 6.29% | ||
| ROICexc | 8.59% | ||
| ROICexgc | 12.26% | ||
| OM | 11.79% | ||
| PM (TTM) | 8.6% | ||
| GM | 58.55% | ||
| FCFM | 8.67% |
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 Turnover0.65
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 4.7 | ||
| Debt/EBITDA | 2.84 | ||
| Cap/Depr | 118.51% | ||
| Cap/Sales | 3.03% | ||
| Interest Coverage | 13.55 | ||
| Cash Conversion | 81.54% | ||
| Profit Quality | 100.74% | ||
| Current Ratio | 5.61 | ||
| Quick Ratio | 4.37 | ||
| Altman-Z | 2.75 |
F-Score6
WACC7.16%
ROIC/WACC0.88
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)26.55%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.77%
EPS Next Y4.14%
EPS Next 2Y9.98%
EPS Next 3Y12.85%
EPS Next 5Y10.21%
Revenue 1Y (TTM)9.7%
Revenue growth 3Y12.87%
Revenue growth 5Y9.14%
Sales Q2Q%14.35%
Revenue Next Year11.79%
Revenue Next 2Y10.39%
Revenue Next 3Y9.35%
Revenue Next 5Y6.64%
EBIT growth 1Y32.49%
EBIT growth 3Y25.16%
EBIT growth 5Y40.43%
EBIT Next Year39.97%
EBIT Next 3Y25.33%
EBIT Next 5YN/A
FCF growth 1Y41.87%
FCF growth 3Y47.23%
FCF growth 5Y39.91%
OCF growth 1Y31.15%
OCF growth 3Y30.85%
OCF growth 5Y24.86%
EZCORP INC-CL A / EZPW FAQ
What is the fundamental rating for EZPW stock?
ChartMill assigns a fundamental rating of 5 / 10 to EZPW.
What is the valuation status for EZPW stock?
ChartMill assigns a valuation rating of 4 / 10 to EZCORP INC-CL A (EZPW). This can be considered as Fairly Valued.
How profitable is EZCORP INC-CL A (EZPW) stock?
EZCORP INC-CL A (EZPW) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for EZPW stock?
The Price/Earnings (PE) ratio for EZCORP INC-CL A (EZPW) is 14.81 and the Price/Book (PB) ratio is 1.26.