EZCORP, Inc.
EZCORP, Inc. Fundamental Analysis
EZCORP, Inc. (EZPW) shows moderate financial fundamentals with a PE ratio of 12.59, profit margin of 9.20%, and ROE of 12.48%. The company generates $1.3B in annual revenue with moderate year-over-year growth of 9.70%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 59.8/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze EZPW's fundamental strength across five key dimensions:
Efficiency Score
WeakEZPW struggles to generate sufficient returns from assets.
Valuation Score
ExcellentEZPW trades at attractive valuation levels.
Growth Score
ExcellentEZPW delivers strong and consistent growth momentum.
Financial Health Score
ExcellentEZPW maintains a strong and stable balance sheet.
Profitability Score
WeakEZPW struggles to sustain strong margins.
Key Financial Metrics
Is EZPW Expensive or Cheap?
P/E Ratio
EZPW trades at 12.59 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, EZPW's PEG of 1.61 indicates fair valuation.
Price to Book
The market values EZCORP, Inc. at 1.44 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 7.78 times EBITDA. This is generally considered low.
How Well Does EZPW Make Money?
Net Profit Margin
For every $100 in sales, EZCORP, Inc. keeps $9.20 as profit after all expenses.
Operating Margin
Core operations generate 12.56 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $12.48 in profit for every $100 of shareholder equity.
ROA
EZCORP, Inc. generates $6.18 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
EZCORP, Inc. produces operating cash flow of $157.12M, showing steady but balanced cash generation.
Free Cash Flow
EZCORP, Inc. produces free cash flow of $118.37M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $2.02 in free cash annually.
FCF Yield
EZPW converts 8.30% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.59
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.61
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.44
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.11
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.23
vs 25 benchmark
Current Ratio
Current assets to current liabilities
6.03
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.12
vs 25 benchmark
ROA
Return on assets percentage
0.06
vs 25 benchmark
ROCE
Return on capital employed
0.09
vs 25 benchmark
How EZPW Stacks Against Its Sector Peers
| Metric | EZPW Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.59 | 18.86 | Better (Cheaper) |
| ROE | 12.48% | 847.00% | Weak |
| Net Margin | 9.20% | 4202.00% | Weak |
| Debt/Equity | 0.23 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 6.03 | 667.17 | Strong Liquidity |
| ROA | 6.18% | -21543.00% (disorted) | Weak |
EZPW outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews EZCORP, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
49.07%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
254.11%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
192.19%
Industry Style: Value, Dividend, Cyclical
High Growth