Affirm Holdings Inc (AFRM)vsEZCORP Inc (EZPW)
AFRM
Affirm Holdings Inc
$73.25
+4.48%
FINANCIAL SERVICES · Cap: $25.48B
EZPW
EZCORP Inc
$29.16
+0.34%
FINANCIAL SERVICES · Cap: $2.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Affirm Holdings Inc generates 169% more annual revenue ($3.97B vs $1.48B). EZPW leads profitability with a 9.9% profit margin vs 9.6%. EZPW appears more attractively valued with a PEG of 0.28. EZPW earns a higher WallStSmart Score of 78/100 (B+).
AFRM
Buy63
out of 100
Grade: C+
EZPW
Strong Buy78
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 32.6% year-over-year
Earnings expanding 3529.0% YoY
Growing faster than its price suggests
Growing faster than its price suggests
Revenue surging 45.9% year-over-year
Earnings expanding 82.7% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Premium valuation, high expectations priced in
Distress zone — elevated risk
Elevated debt levels
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : AFRM
The strongest argument for AFRM centers on Revenue Growth, EPS Growth, PEG Ratio. Revenue growth of 32.6% demonstrates continued momentum. PEG of 0.76 suggests the stock is reasonably priced for its growth.
Bull 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.
Bear Case : AFRM
The primary concerns for AFRM are P/E Ratio, Altman Z-Score, Debt/Equity. A P/E of 69.2x leaves little room for execution misses. Debt-to-equity of 2.36 is elevated, increasing financial risk.
Bear Case : EZPW
No major red flags identified for EZPW, but monitor valuation.
Key Dynamics to Monitor
AFRM carries more volatility with a beta of 3.67 — expect wider price swings.
EZPW is growing revenue faster at 45.9% — sustainability is the question.
AFRM generates stronger free cash flow (325M), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
EZPW scores higher overall (78/100 vs 63/100) and 45.9% revenue growth. Both earn "Strong Buy" and "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.
Affirm Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Affirm Holdings, Inc. operates a platform for digital and mobile commerce in the United States and Canada. The company is headquartered in San Francisco, California.
Visit Website →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.
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