EZCORP Inc (EZPW)vsPayPal Holdings Inc (PYPL)
EZPW
EZCORP Inc
$32.47
0.00%
FINANCIAL SERVICES · Cap: $2.03B
PYPL
PayPal Holdings Inc
$53.72
+0.77%
FINANCIAL SERVICES · Cap: $45.49B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 2054% more annual revenue ($34.13B vs $1.58B). PYPL leads profitability with a 14.4% profit margin vs 10.0%. 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+
PYPL
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Revenue surging 34.7% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 41.2% YoY
Attractively priced relative to earnings
Every $100 of equity generates 25 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Generating 1.8B in free cash flow
Areas to Watch
No major concerns identified
4.8% revenue growth
Distress zone — elevated risk
Earnings declined 3.1%
Comparative Analysis Report
WallStSmart ResearchBull Case : EZPW
The strongest argument for EZPW centers on PEG Ratio, Revenue Growth, P/E Ratio. Revenue growth of 34.7% demonstrates continued momentum. PEG of 0.28 suggests the stock is reasonably priced for its growth.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. PEG of 0.91 suggests the stock is reasonably priced for its growth.
Bear Case : EZPW
No major red flags identified for EZPW, but monitor valuation.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score, EPS Growth.
Key Dynamics to Monitor
EZPW profiles as a hypergrowth stock while PYPL is a value play — different risk/reward profiles.
PYPL carries more volatility with a beta of 1.29 — expect wider price swings.
EZPW is growing revenue faster at 34.7% — sustainability is the question.
PYPL generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
EZPW scores higher overall (76/100 vs 65/100) and 34.7% revenue growth. Both earn "Strong Buy" and "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.
PayPal Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.
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