EZCORP Inc (EZPW)vsMastercard Inc (MA)
EZPW
EZCORP Inc
$29.16
+0.34%
FINANCIAL SERVICES · Cap: $2.00B
MA
Mastercard Inc
$563.32
+2.49%
FINANCIAL SERVICES · Cap: $480.32B
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 2198% more annual revenue ($33.94B vs $1.48B). MA leads profitability with a 45.9% profit margin vs 9.9%. EZPW appears more attractively valued with a PEG of 0.28. EZPW earns a higher WallStSmart Score of 78/100 (B+).
EZPW
Strong Buy78
out of 100
Grade: B+
MA
Strong Buy70
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Revenue surging 45.9% year-over-year
Earnings expanding 82.7% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Mega-cap, among the largest globally
Every $100 of equity generates 232 in profit
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 60.8%
Safe zone — low bankruptcy risk
15.8% revenue growth
Areas to Watch
No major concerns identified
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 74.3x book value
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : EZPW
The strongest argument for EZPW centers on PEG Ratio, Revenue Growth, EPS Growth. Revenue growth of 45.9% demonstrates continued momentum. PEG of 0.28 suggests the stock is reasonably priced for its growth.
Bull Case : MA
The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 45.9% and operating margin at 60.8%. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : EZPW
No major red flags identified for EZPW, but monitor valuation.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 2.82 is elevated, increasing financial risk.
Key Dynamics to Monitor
EZPW profiles as a hypergrowth stock while MA is a growth play — different risk/reward profiles.
MA carries more volatility with a beta of 0.73 — expect wider price swings.
EZPW is growing revenue faster at 45.9% — sustainability is the question.
MA generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
EZPW scores higher overall (78/100 vs 70/100) and 45.9% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
EZCORP Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
EZCORP, Inc. offers pawn loans in the United States and Latin America. The company is headquartered in Austin, Texas.
Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
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