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Compare $EZPW vs $UPST | Chartloom

Compare

$EZPW vs $UPST

EZCORP Inc · Upstart Holdings Inc

EZPW

EZCORP Inc

UPST

Upstart Holdings Inc

Compare $EZPW vs $UPST

Comparing EZCORP Inc and Upstart Holdings Inc

EZPWEZCORP Inc

UPSTUpstart Holdings Inc

EZPWEZCORP Inc

Market cap

$2.01B

P/E (TTM)

17.19x

Forward P/E (NTM)

15.67x

Forward P/S (NTM)

1.10x

Rev growth (TTM)

28.6%

YTD performance

62.7%

52W performance

73.3%

FCF yield

6.9%

UPSTUpstart Holdings Inc

Market cap

$2.27B

P/E (TTM)

43.19x

Forward P/E (NTM)

7.75x

Forward P/S (NTM)

1.37x

Rev growth (TTM)

46.3%

YTD performance

-48.2%

52W performance

-54.6%

FCF yield

-13.4%

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Relative performance

Each ticker starts at 100. 110 means +10% from the start of this window — not a $110 share price.

EZPW

UPST

Detailed metrics comparison

EZPW

EZCORP Inc

UPST

Upstart Holdings Inc

Market Cap

EZPW$2.01B

UPST$2.27B

Enterprise Value

EZPW$2.22B

UPST$3.82B

Price

EZPW$32.64

UPST$23.75

P/E Ratio

EZPW17.19x

UPST43.19x

P/S Ratio

EZPW1.27x

UPST1.82x

EV/Sales

EZPW1.40x

UPST3.07x

EV/EBITDA

EZPW8.48x

UPST50.20x

P/B Ratio

EZPW1.69x

UPST2.94x

P/FCF Ratio

EZPW14.52x

UPSTN/A

EV/FCF

EZPW16.04x

UPST-12.52x

PEG Ratio

EZPW0.27x

UPST1.22x

Forward P/E (NTM)

EZPW15.67x

UPST7.75x

Forward P/S (NTM)

EZPW1.10x

UPST1.37x

Revenue (TTM)

EZPW$1.58B

UPST$1.25B

Revenue Growth (YoY)

EZPW28.6%

UPST46.3%

Forward Rev Growth

EZPW7.6%

UPST31.4%

Gross Margin (TTM)

EZPW58.6%

UPST82.5%

Operating Margin (TTM)

EZPW13.9%

UPST4.6%

EBITDA Margin (TTM)

EZPW16.3%

UPST6.0%

Net Margin (TTM)

EZPW10.0%

UPST4.8%

FCF Margin (TTM)

EZPW8.7%

UPST-24.5%

Net Income (TTM)

EZPW$158M

UPST$60M

FCF (TTM)

EZPW$138M

UPST$-305M

EPS (TTM)

EZPW$1.90

UPST$0.55

ROE (TTM)

EZPW14.4%

UPST8.6%

ROA (TTM)

EZPW7.7%

UPST2.2%

ROIC (TTM)

EZPW9.8%

UPST2.5%

Cash

EZPW$311M

UPST$456M

Debt

EZPW$521M

UPST$2.00B

Net Cash/Debt

EZPW$-210M

UPST$-1.55B

Current Ratio (TTM)

EZPW4.81x

UPST1.55x

Quick Ratio (TTM)

EZPW3.40x

UPST1.55x

Debt/Equity (TTM)

EZPW0.45x

UPST2.51x

Debt/Assets (TTM)

EZPW0.0%

UPST0.0%

Interest Coverage (TTM)

EZPWN/A

UPSTN/A

Net Debt/EBITDA (TTM)

EZPW0.00x

UPST0.00x

Beta

EZPW0.76

UPST2.50

52W Performance

EZPW73.3%

UPST-54.6%

YTD Performance

EZPW62.7%

UPST-48.2%

% from 52W High

EZPW-12.1%

UPST-57.0%

% from 52W Low

EZPW97.8%

UPST5.3%

Asset Turnover (TTM)

EZPW0.77x

UPST0.31x

FCF Yield (TTM)

EZPW6.9%

UPST-13.4%

Earnings Yield (TTM)

EZPW7.9%

UPST2.7%

Dividend Yield (TTM)

EZPWN/A

UPSTN/A

Rule of 40

EZPW37.3

UPST21.8

EV/GP/RG

EZPW0.15

UPST0.11

Ticker research

View EZPW research View UPST research

Metric	EZPW EZCORP Inc	UPST Upstart Holdings Inc
Market & Valuation
Market Cap	$2.01B	$2.27B
Enterprise Value	$2.22B	$3.82B
Price	$32.64	$23.75
P/E Ratio	17.19x	43.19x
P/S Ratio	1.27x	1.82x
EV/Sales	1.40x	3.07x
EV/EBITDA	8.48x	50.20x
P/B Ratio	1.69x	2.94x
P/FCF Ratio	14.52x	N/A
EV/FCF	16.04x	-12.52x
PEG Ratio	0.27x	1.22x
Forward P/E (NTM)	15.67x	7.75x
Forward P/S (NTM)	1.10x	1.37x
Revenue & Growth
Revenue (TTM)	$1.58B	$1.25B
Revenue Growth (YoY)	28.6%	46.3%
Forward Rev Growth	7.6%	31.4%
Profitability
Gross Margin (TTM)	58.6%	82.5%
Operating Margin (TTM)	13.9%	4.6%
EBITDA Margin (TTM)	16.3%	6.0%
Net Margin (TTM)	10.0%	4.8%
FCF Margin (TTM)	8.7%	-24.5%
Net Income (TTM)	$158M	$60M
FCF (TTM)	$138M	$-305M
EPS (TTM)	$1.90	$0.55
ROE (TTM)	14.4%	8.6%
ROA (TTM)	7.7%	2.2%
ROIC (TTM)	9.8%	2.5%
Financial Health
Cash	$311M	$456M
Debt	$521M	$2.00B
Net Cash/Debt	$-210M	$-1.55B
Current Ratio (TTM)	4.81x	1.55x
Quick Ratio (TTM)	3.40x	1.55x
Debt/Equity (TTM)	0.45x	2.51x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	0.76	2.50
52W Performance	73.3%	-54.6%
YTD Performance	62.7%	-48.2%
% from 52W High	-12.1%	-57.0%
% from 52W Low	97.8%	5.3%
Efficiency & Yields
Asset Turnover (TTM)	0.77x	0.31x
FCF Yield (TTM)	6.9%	-13.4%
Earnings Yield (TTM)	7.9%	2.7%
Dividend Yield (TTM)	N/A	N/A
Other
Rule of 40	37.3	21.8
EV/GP/RG	0.15	0.11
Ticker research	View EZPW research	View UPST research

Valuation

P/E Ratio

EZPW

17.19x

UPST

43.19x

P/S Ratio

EZPW

1.27x

UPST

1.82x

EV/FCF

UPST

-12.52x

EZPW

16.04x

Growth & revenue

Revenue Growth TTM

UPST

46.3%

EZPW

28.6%

Forward Revenue Growth

UPST

31.4%

EZPW

7.6%

Profitability & performance

Gross Margin

UPST

82.5%

EZPW

58.6%

ROE

EZPW

14.4%

UPST

8.6%

FCF Yield %

EZPW

6.9%

UPST

-13.4%

52-Week Performance

EZPW

73.3%

UPST

-54.6%

Detailed metrics comparison

EZPW

EZCORP Inc

UPST

Upstart Holdings Inc

Market Cap

EZPW$2.01B

UPST$2.27B

Enterprise Value

EZPW$2.22B

UPST$3.82B

Price

EZPW$32.64

UPST$23.75

P/E Ratio

EZPW17.19x

UPST43.19x

P/S Ratio

EZPW1.27x

UPST1.82x

EV/Sales

EZPW1.40x

UPST3.07x

EV/EBITDA

EZPW8.48x

UPST50.20x

P/B Ratio

EZPW1.69x

UPST2.94x

P/FCF Ratio

EZPW14.52x

UPSTN/A

EV/FCF

EZPW16.04x

UPST-12.52x

PEG Ratio

EZPW0.27x

UPST1.22x

Forward P/E (NTM)

EZPW15.67x

UPST7.75x

Forward P/S (NTM)

EZPW1.10x

UPST1.37x

Revenue (TTM)

EZPW$1.58B

UPST$1.25B

Revenue Growth (YoY)

EZPW28.6%

UPST46.3%

Forward Rev Growth

EZPW7.6%

UPST31.4%

Gross Margin (TTM)

EZPW58.6%

UPST82.5%

Operating Margin (TTM)

EZPW13.9%

UPST4.6%

EBITDA Margin (TTM)

EZPW16.3%

UPST6.0%

Net Margin (TTM)

EZPW10.0%

UPST4.8%

FCF Margin (TTM)

EZPW8.7%

UPST-24.5%

Net Income (TTM)

EZPW$158M

UPST$60M

FCF (TTM)

EZPW$138M

UPST$-305M

EPS (TTM)

EZPW$1.90

UPST$0.55

ROE (TTM)

EZPW14.4%

UPST8.6%

ROA (TTM)

EZPW7.7%

UPST2.2%

ROIC (TTM)

EZPW9.8%

UPST2.5%

Cash

EZPW$311M

UPST$456M

Debt

EZPW$521M

UPST$2.00B

Net Cash/Debt

EZPW$-210M

UPST$-1.55B

Current Ratio (TTM)

EZPW4.81x

UPST1.55x

Quick Ratio (TTM)

EZPW3.40x

UPST1.55x

Debt/Equity (TTM)

EZPW0.45x

UPST2.51x

Debt/Assets (TTM)

EZPW0.0%

UPST0.0%

Interest Coverage (TTM)

EZPWN/A

UPSTN/A

Net Debt/EBITDA (TTM)

EZPW0.00x

UPST0.00x

Beta

EZPW0.76

UPST2.50

52W Performance

EZPW73.3%

UPST-54.6%

YTD Performance

EZPW62.7%

UPST-48.2%

% from 52W High

EZPW-12.1%

UPST-57.0%

% from 52W Low

EZPW97.8%

UPST5.3%

Asset Turnover (TTM)

EZPW0.77x

UPST0.31x

FCF Yield (TTM)

EZPW6.9%

UPST-13.4%

Earnings Yield (TTM)

EZPW7.9%

UPST2.7%

Dividend Yield (TTM)

EZPWN/A

UPSTN/A

Rule of 40

EZPW37.3

UPST21.8

EV/GP/RG

EZPW0.15

UPST0.11

Ticker research

View EZPW research View UPST research

Metric	EZPW EZCORP Inc	UPST Upstart Holdings Inc
Market & Valuation
Market Cap	$2.01B	$2.27B
Enterprise Value	$2.22B	$3.82B
Price	$32.64	$23.75
P/E Ratio	17.19x	43.19x
P/S Ratio	1.27x	1.82x
EV/Sales	1.40x	3.07x
EV/EBITDA	8.48x	50.20x
P/B Ratio	1.69x	2.94x
P/FCF Ratio	14.52x	N/A
EV/FCF	16.04x	-12.52x
PEG Ratio	0.27x	1.22x
Forward P/E (NTM)	15.67x	7.75x
Forward P/S (NTM)	1.10x	1.37x
Revenue & Growth
Revenue (TTM)	$1.58B	$1.25B
Revenue Growth (YoY)	28.6%	46.3%
Forward Rev Growth	7.6%	31.4%
Profitability
Gross Margin (TTM)	58.6%	82.5%
Operating Margin (TTM)	13.9%	4.6%
EBITDA Margin (TTM)	16.3%	6.0%
Net Margin (TTM)	10.0%	4.8%
FCF Margin (TTM)	8.7%	-24.5%
Net Income (TTM)	$158M	$60M
FCF (TTM)	$138M	$-305M
EPS (TTM)	$1.90	$0.55
ROE (TTM)	14.4%	8.6%
ROA (TTM)	7.7%	2.2%
ROIC (TTM)	9.8%	2.5%
Financial Health
Cash	$311M	$456M
Debt	$521M	$2.00B
Net Cash/Debt	$-210M	$-1.55B
Current Ratio (TTM)	4.81x	1.55x
Quick Ratio (TTM)	3.40x	1.55x
Debt/Equity (TTM)	0.45x	2.51x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	0.76	2.50
52W Performance	73.3%	-54.6%
YTD Performance	62.7%	-48.2%
% from 52W High	-12.1%	-57.0%
% from 52W Low	97.8%	5.3%
Efficiency & Yields
Asset Turnover (TTM)	0.77x	0.31x
FCF Yield (TTM)	6.9%	-13.4%
Earnings Yield (TTM)	7.9%	2.7%
Dividend Yield (TTM)	N/A	N/A
Other
Rule of 40	37.3	21.8
EV/GP/RG	0.15	0.11
Ticker research	View EZPW research	View UPST research