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EZCORP, Inc. (EZPW) vs Upstart Holdings, Inc. (UPST)

EZCORP, Inc. and Upstart Holdings, Inc. are both Credit Services companies. Upstart Holdings, Inc. is the larger, with a market value of $2.4B against $2.0B — 1.2× the size. EZCORP, Inc. trades at the lower P/E: 12.8× against 38.0×. Upstart Holdings, Inc. grew revenue faster over the last twelve months: 46.3% against 28.6%. EZCORP, Inc. has the higher net margin (9.99% vs 4.84%) and the higher return on invested capital (13.9% vs 1.75%). Across the 19 metrics below, EZCORP, Inc. leads on 14 and Upstart Holdings, Inc. on 5.

Valuation

Metric EZPW UPST Credit Services median
P/E 12.79 38.00 9.39
P/S 1.28 1.83 0.86
P/B 1.74 2.85 1.16
Price to free cash flow 14.68 n/m 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.82% 2.63% 6.55%
Free cash flow yield 6.81% (13.41%) 12.26%

Profitability

Metric EZPW UPST Credit Services median
Gross margin 58.55% 82.50% 77.13%
Operating margin 13.90% 3.99% 0.34%
Net margin 9.99% 4.84% 9.25%
Free cash flow margin 8.73% (24.49%) 12.91%
Return on equity 14.67% 7.94% 8.49%
Return on assets 7.82% 2.14% 2.16%
Return on invested capital 13.94% 1.75% 4.09%

Growth

Metric EZPW UPST Credit Services median
Revenue growth (TTM) 28.61% 46.30% 4.62%
EPS growth (last fiscal year) 29.09% 131.25% 21.94%
Revenue growth, 5-year CAGR 9.14% 34.93% 9.13%
Net income growth, 5-year CAGR 0.00% 55.04% 0.00%

Health

Metric EZPW UPST Credit Services median
Debt to equity 0.44 2.51 0.68
Current ratio 4.81 0.49 1.55
Net debt to EBITDA (1.41) 10.83 0.13

Dividend

Metric EZPW UPST Credit Services median
Dividend yield — — 1.64%
Payout ratio — — 0.22

Size

Metric EZPW UPST Credit Services median
Market cap 2.04b 2.41b 751.08m

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