Ezcorp vs Pagaya Technologies
Ezcorp and Pagaya Technologies are similar in size: $1.27bn and $1.30bn of revenue in their latest fiscal years. Pagaya Technologies grew faster (26.1% against 9.7%). Ezcorp kept more of each dollar of sales as profit: a net margin of 8.6% against 6.3%.
| Latest fiscal year | EzcorpEZPW, 2025 | Pagaya TechnologiesPGY, 2025 |
|---|---|---|
| Revenue | $1.27bn | $1.30bn |
| Revenue growth | 9.7% | 26.1% |
| Net income | $110m | $81.4m |
| Operating margin | — | 20.3% |
| Net margin | 8.6% | 6.3% |
| Return on equity | 12.0% | 20.2% |
| Free cash flow | $110m | $225m |
| Cash | $470m | $235m |
| Total debt | $530m | $194m |
| Debt to equity | — | 40.4% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | $7.0m | — |
| Employees | 8,500 | 518 |
| Market value | $2.40bn | $1.75bn |
| Price vs our value range | Below our value range | — |
| Moat score | 40 (Weak) | — |
| Insider trades, 12 months | 0 buys, 12 sales | 2 buys, 34 sales |