EZCORP (NASDAQ: EZPW) is one of 27 public companies in the “Consumer Lending” industry, but how does it contrast to its rivals? We will compare EZCORP to similar businesses based off the strength of its analyst recommendations, institutional ownership, valuation, profitability, dividends, earnings and risk.

Profitability

This table compares EZCORP and its rivals’ 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 -28.26% -17.28% 0.63%

Volatility & Risk

EZCORP has a beta of 1.95, meaning that its stock price is 95% more volatile than the S&P 500. Comparatively, EZCORP’s rivals have a beta of 1.48, meaning that their average stock price is 48% more volatile than the S&P 500.

Earnings & Valuation

This table compares EZCORP and its rivals top-line revenue, earnings per share and valuation.

Gross Revenue EBITDA Price/Earnings Ratio
EZCORP $750.47 million $67.71 million 20.80
EZCORP Competitors $564.69 million $93.09 million 15.63

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

Analyst Ratings

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

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
EZCORP 0 3 1 0 2.25
EZCORP Competitors 191 740 1064 58 2.48

EZCORP currently has a consensus target price of $9.25, suggesting a potential upside of 1.09%. All “Consumer Lending” companies have a potential upside of 55.46%. Given EZCORP’s rivals stronger consensus rating and higher possible upside, analysts plainly believe EZCORP has less favorable growth aspects than its rivals.

Institutional & Insider Ownership

89.4% of EZCORP shares are held by institutional investors. Comparatively, 77.6% 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.

Summary

EZCORP beats its rivals 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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