Ezcorp vs Upstart Holdings
Ezcorp is the larger business, with $1.27bn of revenue in fiscal 2025 against $1.04bn for Upstart Holdings (1.2 times as much). Upstart Holdings grew faster (64.0% against 9.7%). Ezcorp kept more of each dollar of sales as profit: a net margin of 8.6% against 5.1%.
| Latest fiscal year | EzcorpEZPW, 2025 | Upstart HoldingsUPST, 2025 |
|---|---|---|
| Revenue | $1.27bn | $1.04bn |
| Revenue growth | 9.7% | 64.0% |
| Net income | $110m | $53.6m |
| Operating margin | — | — |
| Net margin | 8.6% | 5.1% |
| Return on equity | 12.0% | 7.5% |
| Free cash flow | $110m | −$148m |
| Cash | $470m | $652m |
| Total debt | $530m | $1.83bn |
| Debt to equity | — | — |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | $7.0m | — |
| Employees | 8,500 | 1,405 |
| Market value | $2.40bn | $2.09bn |
| Price vs our value range | Below our value range | — |
| Moat score | 40 (Weak) | 0 (Weak) |
| Insider trades, 12 months | 0 buys, 12 sales | 6 buys, 38 sales |