Head-To-Head Contrast: EZCORP (EZPW) and Its Peers

EZCORP (NASDAQ: EZPW) is one of 27 publicly-traded companies in the “Consumer Lending” industry, but how does it weigh in compared to its peers? We will compare EZCORP to related companies based on the strength of its analyst recommendations, profitability, valuation, institutional ownership, earnings, risk and dividends.

Analyst Recommendations

This is a summary of current recommendations and price targets for EZCORP and its peers, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
EZCORP 0 3 1 0 2.25
EZCORP Competitors 159 653 1045 51 2.52

EZCORP currently has a consensus price target of $10.00, indicating a potential upside of 1.01%. As a group, “Consumer Lending” companies have a potential upside of 49.14%. Given EZCORP’s peers stronger consensus rating and higher possible upside, analysts plainly believe EZCORP has less favorable growth aspects than its peers.

Risk & Volatility

EZCORP has a beta of 1.96, indicating that its stock price is 96% more volatile than the S&P 500. Comparatively, EZCORP’s peers have a beta of 1.49, indicating that their average stock price is 49% more volatile than the S&P 500.

Institutional & Insider Ownership

89.4% of EZCORP shares are held by institutional investors. Comparatively, 77.5% of shares of all “Consumer Lending” companies are held by institutional investors. 2.1% of EZCORP shares are held by company insiders. Comparatively, 15.2% of shares of all “Consumer Lending” companies are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares EZCORP and its peers’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
EZCORP 3.16% 3.65% 2.29%
EZCORP Competitors -28.40% -17.29% 0.55%

Valuation and Earnings

This table compares EZCORP and its peers top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue EBITDA Price/Earnings Ratio
EZCORP $750.47 million $67.71 million 22.50
EZCORP Competitors $564.84 million $92.07 million 17.19

EZCORP has higher revenue, but lower earnings than its peers. EZCORP is trading at a higher price-to-earnings ratio than its peers, indicating that it is currently more expensive than other companies in its industry.

Summary

EZCORP beats its peers on 7 of the 13 factors compared.

About EZCORP

EZCORP, Inc. provides pawn loans in the United States and Mexico, and consumer loans in Mexico. The Company operates through three segments: U.S. Pawn, which includes its EZPAWN, Value Pawn & Jewelry and other branded pawn operations in the United States; Mexico Pawn, which includes its Empeno Facil pawn operations and cash converters buy/sell store operations in Mexico, and Other International, which includes its CASHMAX financial services operations in Canada and its equity interest in Cash Converters International. It offers pawn loans, which are non-recourse loans, collateralized by tangible property, and it sells merchandise, primarily collateral forfeited from pawn lending operations and used merchandise purchased from customers at its pawn stores.

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