stockrowEZCORP, Inc. (EZPW) vs Navient Holdings, Inc. (NAVI)
- EZCORP, Inc. EZPW 28.76 +0.14%
- Navient Holdings, Inc. NAVI 8.58 −2.72%
EZCORP, Inc. and Navient Holdings, Inc. are both Credit Services companies. EZCORP, Inc. is the larger, with a market value of $1.8B against $827.2M — 2.1× the size. Navient Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; EZCORP, Inc. trades at 11.2×. EZCORP, Inc. grew revenue faster over the last twelve months: 28.6% against −21.4%. EZCORP, Inc. has the higher net margin (9.99% vs −1.67%) and the higher return on invested capital (13.9% vs −0.11%). Across the 18 metrics below, EZCORP, Inc. leads on 12 and Navient Holdings, Inc. on 6.
Valuation
Profitability
| Metric | EZPW | NAVI | Credit Services median |
|---|---|---|---|
| Gross margin | 58.55% | 20.06% | 76.61% |
| Operating margin | 13.90% | 0.00% | 0.34% |
| Net margin | 9.99% | (1.67%) | 8.35% |
| Free cash flow margin | 8.73% | 11.37% | 8.73% |
| Return on equity | 14.67% | (2.02%) | 9.05% |
| Return on assets | 7.82% | (0.10%) | 1.94% |
| Return on invested capital | 13.94% | (0.11%) | 4.56% |
Growth
Health
Dividend
Size
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