20.12 USD
+0.77 (+3.98%)
20.22 USD
+0.1 (+0.5%)
Overall EZPW gets a fundamental rating of 5 out of 10. We evaluated EZPW against 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.
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 4 of the past 5 years.
1.2 Ratios
The Return On Assets of EZPW (5.21%) is better than 72.73% of its industry peers.
EZPW has a Return On Equity (9.91%) which is comparable to the rest of the industry.
The Return On Invested Capital of EZPW (5.95%) is better than 67.27% 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 11.33%.
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
EZPW has a Profit Margin (7.96%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of EZPW has grown nicely.
EZPW has a Operating Margin of 11.30%. This is comparable to the rest of the industry: EZPW outperforms 52.73% of its industry peers.
In the last couple of years the Operating Margin of EZPW has grown nicely.
Looking at the Gross Margin, with a value of 58.67%, EZPW is in line with its industry, outperforming 58.18% 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 | 11.3% | ||
| 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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
An Altman-Z score of 2.71 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 2.71, EZPW belongs to the top of the industry, outperforming 85.45% 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 better Debt to FCF ratio (5.24) than 76.36% of its industry peers.
A Debt/Equity ratio of 0.52 indicates that 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 72.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 5.24 | ||
| Altman-Z | 2.71 |
ROIC/WACC0.65
WACC9.15%
2.3 Liquidity
A Current Ratio of 6.31 indicates that EZPW has no problem at all paying 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.
A Quick Ratio of 5.00 indicates that EZPW has no problem at all paying its short term obligations.
EZPW has a better Quick ratio (5.00) than 87.27% of its industry peers.
| 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 26.55%, which is quite impressive.
Measured over the past years, EZPW shows a very strong growth in Earnings Per Share. The EPS has been growing by 29.67% on average per year.
EPS 1Y (TTM)26.55%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.77%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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.
EZPW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.68% yearly.
EPS Next Y2.56%
EPS Next 2Y7.2%
EPS Next 3Y12.85%
EPS Next 5Y10.21%
Revenue Next Year6.57%
Revenue Next 2Y8.33%
Revenue Next 3Y9.41%
Revenue Next 5Y6.68%
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
EZPW is valuated correctly with a Price/Earnings ratio of 14.07.
Compared to the rest of the industry, the Price/Earnings ratio of EZPW indicates a slightly more expensive valuation: EZPW is more expensive than 60.00% of the companies listed in the same industry.
EZPW is valuated rather cheaply when we compare the Price/Earnings ratio to 26.15, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 13.72, EZPW is valued correctly.
EZPW's Price/Forward Earnings is on the same level as the industry average.
EZPW is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.22, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.07 | ||
| Fwd PE | 13.72 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, EZPW is valued a bit cheaper than 76.36% of the companies in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as EZPW.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.36 | ||
| EV/EBITDA | 7.14 |
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.
EZPW's earnings are expected to grow with 12.85% in the coming years. This may justify a more expensive valuation.
PEG (NY)5.5
PEG (5Y)0.47
EPS Next 2Y7.2%
EPS Next 3Y12.85%
5. Dividend
5.1 Amount
No dividends for EZPW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
20.12
+0.77 (+3.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners115.3%
Inst Owner Change-0.79%
Ins Owners4.2%
Ins Owner Change8.27%
Market Cap1.23B
Revenue(TTM)N/A
Net Income(TTM)98.11M
Analysts80
Price Target24.14 (19.98%)
Short Float %20.52%
Short Ratio14.61
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)13.78%
PT rev (3m)13.78%
EPS NQ rev (1m)2.07%
EPS NQ rev (3m)1.65%
EPS NY rev (1m)0%
EPS NY rev (3m)0.74%
Revenue NQ rev (1m)0.2%
Revenue NQ rev (3m)2.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.07 | ||
| Fwd PE | 13.72 | ||
| P/S | 0.99 | ||
| P/FCF | 12.36 | ||
| P/OCF | 8.68 | ||
| P/B | 1.24 | ||
| P/tB | 2.01 | ||
| EV/EBITDA | 7.14 |
EPS(TTM)1.43
EY7.11%
EPS(NY)1.47
Fwd EY7.29%
FCF(TTM)1.63
FCFY8.09%
OCF(TTM)2.32
OCFY11.51%
SpS20.23
BVpS16.26
TBVpS10.02
PEG (NY)5.5
PEG (5Y)0.47
Graham Number22.87
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%
ROICexgc growth 3Y37.52%
ROICexgc 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 | 2.71 |
F-Score7
WACC9.15%
ROIC/WACC0.65
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)26.55%
EPS 3Y24%
EPS 5Y29.67%
EPS Q2Q%30.77%
EPS Next Y2.56%
EPS Next 2Y7.2%
EPS Next 3Y12.85%
EPS Next 5Y10.21%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%14.35%
Revenue Next Year6.57%
Revenue Next 2Y8.33%
Revenue Next 3Y9.41%
Revenue Next 5Y6.68%
EBIT growth 1Y32.85%
EBIT growth 3Y51.97%
EBIT growth 5Y17.14%
EBIT Next Year71.08%
EBIT Next 3Y28.04%
EBIT Next 5Y27.13%
FCF growth 1Y95.5%
FCF growth 3Y50.57%
FCF growth 5Y3.77%
OCF growth 1Y52.83%
OCF growth 3Y34.78%
OCF growth 5Y1.88%
EZCORP INC-CL A / EZPW FAQ
What is the fundamental rating for EZPW stock?
ChartMill assigns a fundamental rating of 5 / 10 to EZPW.
Can you provide the valuation status for EZCORP INC-CL A?
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.
What is the financial health of EZCORP INC-CL A (EZPW) stock?
The financial health rating of EZCORP INC-CL A (EZPW) is 7 / 10.
Can you provide the expected EPS growth for EZPW stock?
The Earnings per Share (EPS) of EZCORP INC-CL A (EZPW) is expected to grow by 2.56% in the next year.