EZCORP Inc (EZPW)vsVisa Inc. Class A (V)
EZPW
EZCORP Inc
$25.60
-2.36%
FINANCIAL SERVICES · Cap: $1.58B
V
Visa Inc. Class A
$304.91
+0.38%
FINANCIAL SERVICES · Cap: $585.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 2998% more annual revenue ($41.39B vs $1.34B). V leads profitability with a 50.2% profit margin vs 9.2%. EZPW appears more attractively valued with a PEG of 0.28. EZPW earns a higher WallStSmart Score of 72/100 (B).
EZPW
Strong Buy72
out of 100
Grade: B
V
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+65.3%
Fair Value
$71.60
Current Price
$25.60
$46.00 discount
Margin of Safety
+17.4%
Fair Value
$369.26
Current Price
$304.91
$64.35 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Attractively priced relative to earnings
19.3% revenue growth
Earnings expanding 38.2% YoY
Mega-cap, among the largest globally
Every $100 of equity generates 54 in profit
Keeps 50 of every $100 in revenue as profit
Strong operational efficiency at 68.3%
Generating 6.4B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Moderate valuation
Trading at 15.2x book value
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : EZPW
The strongest argument for EZPW centers on PEG Ratio, Price/Book, P/E Ratio. Revenue growth of 19.3% demonstrates continued momentum. PEG of 0.28 suggests the stock is reasonably priced for its growth.
Bull Case : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 50.2% and operating margin at 68.3%. Revenue growth of 14.6% demonstrates continued momentum.
Bear Case : EZPW
The primary concerns for EZPW are Market Cap.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
EZPW profiles as a growth stock while V is a mature play — different risk/reward profiles.
V carries more volatility with a beta of 0.79 — expect wider price swings.
EZPW is growing revenue faster at 19.3% — sustainability is the question.
V generates stronger free cash flow (6.4B), providing more financial flexibility.
Bottom Line
EZPW scores higher overall (72/100 vs 68/100) and 19.3% revenue growth. V offers better value entry with a 17.4% margin of safety. 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.
Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
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