EZCORP Inc (EZPW)vsMastercard Inc (MA)
EZPW
EZCORP Inc
$31.95
-0.62%
FINANCIAL SERVICES · Cap: $1.92B
MA
Mastercard Inc
$491.08
+0.13%
FINANCIAL SERVICES · Cap: $422.07B
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 76/100 (B+).
EZPW
Strong Buy76
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
Conservative balance sheet, low leverage
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
Smaller company, higher risk/reward
Expensive relative to growth rate
Moderate valuation
Trading at 64.8x 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
The primary concerns for EZPW are Market Cap.
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 0.76 — 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 (76/100 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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