Contrasting EZCORP (EZPW) and Its Rivals
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 businesses based on the strength of its analyst recommendations, valuation, risk, earnings, dividends, profitability and institutional ownership.
This table compares EZCORP and its peers’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Risk and Volatility
EZCORP has a beta of 1.95, suggesting that its share price is 95% more volatile than the S&P 500. Comparatively, EZCORP’s peers have a beta of 1.48, suggesting that their average share price is 48% more volatile than the S&P 500.
This is a breakdown of current ratings and recommmendations for EZCORP and its peers, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
EZCORP currently has a consensus price target of $9.25, indicating a potential downside of 4.64%. As a group, “Consumer Lending” companies have a potential upside of 58.63%. Given EZCORP’s peers stronger consensus rating and higher possible upside, analysts plainly believe EZCORP has less favorable growth aspects than its peers.
Insider and Institutional Ownership
89.4% of EZCORP shares are owned by institutional investors. Comparatively, 77.5% of shares of all “Consumer Lending” companies are owned by institutional investors. 2.1% of EZCORP shares are owned by insiders. Comparatively, 15.2% of shares of all “Consumer Lending” companies are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Earnings & Valuation
This table compares EZCORP and its peers top-line revenue, earnings per share and valuation.
|Gross Revenue||EBITDA||Price/Earnings Ratio|
|EZCORP||$750.47 million||$67.71 million||22.05|
|EZCORP Competitors||$564.84 million||$92.07 million||16.52|
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.
EZCORP beats its peers on 7 of the 13 factors compared.
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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