EZCORP Inc (EZPW)vsSynchrony Financial (SYF)
EZPW
EZCORP Inc
$31.95
-0.62%
FINANCIAL SERVICES · Cap: $1.92B
SYF
Synchrony Financial
$70.77
+1.70%
FINANCIAL SERVICES · Cap: $24.68B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 570% more annual revenue ($9.89B vs $1.48B). SYF leads profitability with a 36.4% profit margin vs 9.9%. EZPW appears more attractively valued with a PEG of 0.28. SYF earns a higher WallStSmart Score of 77/100 (B+).
EZPW
Strong Buy76
out of 100
Grade: B+
SYF
Strong Buy77
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
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.0%
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Earnings expanding 20.1% YoY
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
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 : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.4% and operating margin at 48.0%.
Bear Case : EZPW
The primary concerns for EZPW are Market Cap.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
EZPW profiles as a hypergrowth stock while SYF is a mature play — different risk/reward profiles.
SYF carries more volatility with a beta of 1.32 — expect wider price swings.
EZPW is growing revenue faster at 45.9% — sustainability is the question.
SYF generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (77/100 vs 76/100), backed by strong 36.4% margins. 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.
Synchrony Financial
FINANCIAL SERVICES · CREDIT SERVICES · USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
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