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EZCORP, Inc. (EZPW) vs The Western Union Company (WU)

EZCORP, Inc. and The Western Union Company are both Credit Services companies. The Western Union Company is the larger, with a market value of $2.2B against $1.8B — 1.2× the size. The Western Union Company trades at the lower P/E: 6.5× against 11.2×. EZCORP, Inc. grew revenue faster over the last twelve months: 28.6% against −2.12%. EZCORP, Inc. has the higher net margin (9.99% vs 8.32%) and the higher return on invested capital (13.9% vs 13.3%). Across the 20 metrics below, EZCORP, Inc. leads on 13 and The Western Union Company on 7.

Valuation

Metric EZPW WU Credit Services median
P/E 11.23 6.46 8.96
P/S 1.13 0.54 1.00
P/B 1.53 2.43 1.23
Price to free cash flow 12.89 7.82 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.90% 15.48% 7.17%
Free cash flow yield 7.76% 12.79% 11.75%

Profitability

Metric EZPW WU Credit Services median
Gross margin 58.55% 34.14% 76.61%
Operating margin 13.90% 14.23% 0.34%
Net margin 9.99% 8.32% 8.35%
Free cash flow margin 8.73% 6.88% 8.73%
Return on equity 14.67% 36.76% 9.05%
Return on assets 7.82% 4.21% 1.94%
Return on invested capital 13.94% 13.32% 4.56%

Growth

Metric EZPW WU Credit Services median
Revenue growth (TTM) 28.61% (2.12%) 4.49%
EPS growth (last fiscal year) 29.09% (44.53%) 21.94%
Revenue growth, 5-year CAGR 9.14% (3.48%) 9.22%
Net income growth, 5-year CAGR 0.00% (7.66%) 0.00%

Health

Metric EZPW WU Credit Services median
Debt to equity 0.44 3.24 0.69
Current ratio 4.81 0.00 1.26
Net debt to EBITDA (1.41) 1.78 0.11

Dividend

Metric EZPW WU Credit Services median
Dividend yield — 13.60% 1.64%
Payout ratio — 0.90 0.21

Size

Metric EZPW WU Credit Services median
Market cap 1.76b 2.19b 759.73m

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