Comparing of EZCORP Inc. (EZPW) and Its Peers

We are contrasting EZCORP Inc. (NASDAQ:EZPW) and its peers on their risk, institutional ownership, analyst recommendations, profitability, dividends, earnings and valuation. They are Credit Services companies, competing one another.

Insider and Institutional Ownership

0% of EZCORP Inc.’s shares are owned by institutional investors. Comparatively, 50.70% of all Credit Services’s companies shares are owned by institutional investors. On other hand EZCORP Inc. has 2.2% of its shares owned by company insiders and an average of 13.36% insiders ownership for its rivals.

Profitability

On first table we have EZCORP Inc. and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
EZCORP Inc. 0.00% 2.00% 1.20%
Industry Average 24.60% 26.60% 10.04%

Valuation and Earnings

The following data compares EZCORP Inc. and its rivals’ top-line revenue, net income and valuation.

Net Income Gross Revenue Price/Earnings Ratio
EZCORP Inc. N/A 10 33.85
Industry Average 1.08B 4.39B 17.71

EZCORP Inc. has lower revenue, but higher P/E Ratio than its peers. The company has a higher P/E ratio which is presently more expensive in contrast to its rivals.

Analyst Recommendations

Table 3 shows summary of recent ratings for EZCORP Inc. and its rivals.

Sell Ratings Hold Ratings Buy Ratings Rating Score
EZCORP Inc. 0 0 1 3.00
Industry Average 1.00 1.46 3.67 2.67

$14 is the consensus price target of EZCORP Inc., with a potential upside of 68.47%. The peers have a potential upside of 93.09%. Given EZCORP Inc.’s stronger consensus rating and higher possible upside, analysts clearly believe EZCORP Inc. is more favorable than its peers.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of EZCORP Inc. and its peers.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
EZCORP Inc. -1.3% 2.82% -8.12% 3.68% -12.83% 27.43%
Industry Average 5.75% 8.04% 16.89% 27.55% 29.77% 34.35%

For the past year EZCORP Inc. has weaker performance than EZCORP Inc.’s competitors.

Liquidity

EZCORP Inc. has a Current Ratio of 2.9 and a Quick Ratio of 2.3. Competitively, EZCORP Inc.’s peers Current Ratio is 9.39 and has 9.60 Quick Ratio. EZCORP Inc.’s competitors have better ability to pay short and long-term obligations than EZCORP Inc.

Risk and Volatility

EZCORP Inc. has a beta of 1.72 and its 72.00% more volatile than S&P 500. Competitively, EZCORP Inc.’s rivals’ beta is 1.32 which is 32.15% more volatile than S&P 500.

Dividends

EZCORP Inc. does not pay a dividend.

Summary

EZCORP Inc.’s competitors beat EZCORP Inc. on 4 of the 6 factors.

EZCORP, Inc. provides pawn loans in the United States, Mexico, and Canada. The company operates through three segments: U.S. Pawn, Mexico Pawn, and Other International. It offers pawn loans, which are non-recourse loans collateralized by tangible personal property, such as jewelry, consumer electronics, power tools, sporting goods, and musical instruments; and sells merchandise, including collateral forfeited from pawn lending operations and used merchandise purchased from customers. The company also offers payday loan services through its financial services stores. As of September 30, 2016, it operated approximately 786 locations comprising 520 United States pawn stores under the EZPAWN or Value Pawn & Jewelry names; 239 Mexico pawn stores under the Empeño Fácil name; and 27 CASHMAX financial service stores in Canada. The company was founded in 1989 and is headquartered in Austin, Texas.

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