EZCORP Inc (EZPW)vsMastercard Inc (MA)
EZPW
EZCORP Inc
$25.60
-2.36%
FINANCIAL SERVICES · Cap: $1.58B
MA
Mastercard Inc
$502.76
-0.41%
FINANCIAL SERVICES · Cap: $445.26B
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 2354% more annual revenue ($32.79B vs $1.34B). MA leads profitability with a 45.7% 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
MA
Strong Buy70
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
+33.1%
Fair Value
$751.54
Current Price
$502.76
$248.78 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
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 57.7%
Safe zone — low bankruptcy risk
17.6% revenue growth
Earnings expanding 24.2% YoY
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Premium valuation, high expectations priced in
ROE of 2.1% — below average capital efficiency
Trading at 58.1x book value
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 : MA
The strongest argument for MA centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 45.7% and operating margin at 57.7%. Revenue growth of 17.6% demonstrates continued momentum.
Bear Case : EZPW
The primary concerns for EZPW are Market Cap.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Return on Equity. Debt-to-equity of 2.45 is elevated, increasing financial risk.
Key Dynamics to Monitor
MA carries more volatility with a beta of 0.84 — expect wider price swings.
EZPW is growing revenue faster at 19.3% — sustainability is the question.
MA generates stronger free cash flow (4.8B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
EZPW scores higher overall (72/100 vs 70/100) and 19.3% revenue growth. MA offers better value entry with a 33.1% 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.
Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
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