We’ve recently updated our valuation analysis.

Eclipx Group Valuation

Is ECX undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for ECX?

Other financial metrics that can be useful for relative valuation.

ECX key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue2.5x
Enterprise Value/EBITDA5.2x
PEG Ratio-0.4x

Price to Earnings Ratio vs Peers

How does ECX's PE Ratio compare to its peers?

The above table shows the PE ratio for ECX vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average12.9x
SVR Solvar
8.3x7.7%AU$426.2m
LFS Latitude Group Holdings
11.9x19.4%AU$1.5b
CCP Credit Corp Group
18.2x9.5%AU$1.5b
CCV Cash Converters International
13.2x25.8%AU$147.7m
ECX Eclipx Group
5.6x-12.8%AU$574.3m

Price-To-Earnings vs Peers: ECX is good value based on its Price-To-Earnings Ratio (5.6x) compared to the peer average (12.9x).


Price to Earnings Ratio vs Industry

How does ECX's PE Ratio compare vs other companies in the Global Consumer Finance Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a21.1%
n/an/an/a

Price-To-Earnings vs Industry: ECX is good value based on its Price-To-Earnings Ratio (5.6x) compared to the Global Consumer Finance industry average (11.5x)


Price to Earnings Ratio vs Fair Ratio

What is ECX's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

ECX PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio5.6x
Fair PE Ratio9.2x

Price-To-Earnings vs Fair Ratio: ECX is good value based on its Price-To-Earnings Ratio (5.6x) compared to the estimated Fair Price-To-Earnings Ratio (9.2x).


Share Price vs Fair Value

What is the Fair Price of ECX when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: ECX (A$2.06) is trading below our estimate of fair value (A$2.59)

Significantly Below Fair Value: ECX is trading below fair value by more than 20%.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst ECX forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentAU$2.06
AU$2.47
+19.9%
6.2%AU$2.70AU$2.28n/a4
Jan ’24AU$2.00
AU$2.45
+22.7%
7.5%AU$2.70AU$2.19n/a4
Dec ’23AU$2.06
AU$2.45
+18.8%
7.5%AU$2.70AU$2.19n/a4
Nov ’23AU$1.90
AU$2.92
+54.1%
8.8%AU$3.20AU$2.50n/a4
Oct ’23AU$2.25
AU$3.07
+36.4%
2.9%AU$3.20AU$2.98n/a4
Sep ’23AU$2.25
AU$3.07
+36.4%
2.9%AU$3.20AU$2.98n/a4
Aug ’23AU$2.69
AU$3.07
+14.1%
2.9%AU$3.20AU$2.98n/a4
Jul ’23AU$2.27
AU$3.07
+35.2%
2.9%AU$3.20AU$2.98n/a4
Jun ’23AU$2.51
AU$3.05
+21.6%
2.8%AU$3.20AU$2.98n/a5
May ’23AU$2.79
AU$2.91
+4.3%
1.9%AU$2.98AU$2.82n/a5
Apr ’23AU$2.52
AU$2.91
+15.5%
1.9%AU$2.98AU$2.82n/a5
Mar ’23AU$2.32
AU$2.90
+25.0%
1.7%AU$2.98AU$2.82n/a5
Feb ’23AU$2.12
AU$2.90
+36.8%
2.0%AU$2.98AU$2.82AU$2.064
Jan ’23AU$2.21
AU$2.90
+31.2%
2.0%AU$2.98AU$2.82AU$2.004
Dec ’22AU$2.18
AU$2.90
+33.0%
2.0%AU$2.98AU$2.82AU$2.064
Nov ’22AU$2.50
AU$2.66
+6.5%
1.7%AU$2.70AU$2.60AU$1.903
Oct ’22AU$2.47
AU$2.61
+5.8%
2.5%AU$2.70AU$2.54AU$2.253
Sep ’22AU$2.39
AU$2.55
+6.6%
4.8%AU$2.70AU$2.40AU$2.253
Aug ’22AU$2.36
AU$2.55
+7.9%
4.8%AU$2.70AU$2.40AU$2.693
Jul ’22AU$2.24
AU$2.53
+12.9%
5.0%AU$2.70AU$2.40AU$2.273
Jun ’22AU$2.14
AU$2.53
+18.2%
5.0%AU$2.70AU$2.40AU$2.513
May ’22AU$1.91
AU$2.35
+23.2%
9.7%AU$2.60AU$2.05AU$2.793
Apr ’22AU$1.98
AU$2.35
+18.9%
9.7%AU$2.60AU$2.05AU$2.523
Mar ’22AU$1.90
AU$2.28
+20.2%
11.4%AU$2.60AU$1.90AU$2.324
Feb ’22AU$1.70
AU$2.05
+20.7%
5.4%AU$2.20AU$1.90AU$2.124

Analyst Forecast: Target price is less than 20% higher than the current share price.


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