Comprehensive Stock Comparison
Compare EZCORP, Inc. (EZPW) vs JPMorgan Chase & Co. (JPM) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | JPM | 14.6% revenue growth vs EZPW's 9.7% |
| Value | JPM | Lower P/E (13.9x vs 14.8x) |
| Quality / Margins | JPM | 21.6% net margin vs EZPW's 8.6% |
| Stability / Safety | EZPW | Beta 0.34 vs JPM's 1.00, lower leverage |
| Dividends | JPM | 1.7% yield; 14-year raise streak; EZPW pays no meaningful dividend |
| Momentum (1Y) | EZPW | +92.8% vs JPM's +15.7% |
| Efficiency (ROA) | EZPW | 6.2% ROA vs JPM's 1.3%, ROIC 7.1% vs 5.4% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
EZCORP operates a chain of pawn shops across the United States and Latin America, providing short-term collateralized loans and selling secondhand merchandise. It generates revenue primarily from pawn loan interest and fees (roughly 60-70% of total) and merchandise sales from forfeited collateral and purchased goods (30-40%). The company's competitive advantage lies in its extensive physical store network—over 1,100 locations—and proprietary digital platforms that streamline pawn operations and customer engagement.
JPMorgan Chase is a global financial services giant that operates as a universal bank offering consumer banking, investment banking, commercial banking, and asset management services. It generates revenue primarily through net interest income from lending activities (about 50% of total revenue) and non-interest income from investment banking fees, trading, asset management, and card services. The company's key competitive advantage lies in its massive scale, diversified revenue streams, and fortress balance sheet—which together create significant barriers to entry and provide stability through economic cycles.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
EZPW leads in 4 of 6 categories (Valuation Metrics, Profitability & Efficiency). JPM leads in 2 (Financial Metrics, Analyst Outlook).
Financial Metrics (TTM)
JPM is the larger business by revenue, generating $270.8B annually — 212.5x EZPW's $1.3B. JPM is the more profitable business, keeping 21.6% of every revenue dollar as net income compared to EZPW's 8.6%.
| Metric | EZPWEZCORP, Inc. | JPMJPMorgan Chase & … |
|---|---|---|
| RevenueTrailing 12 months | $1.3B | $270.8B |
| EBITDAEarnings before interest/tax | $201M | $81.3B |
| Net IncomeAfter-tax profit | $123M | $58.0B |
| Free Cash FlowCash after capex | $131M | -$119.7B |
| Gross MarginGross profit ÷ Revenue | +58.5% | +58.6% |
| Operating MarginEBIT ÷ Revenue | +11.7% | +27.7% |
| Net MarginNet income ÷ Revenue | +8.6% | +21.6% |
| FCF MarginFCF ÷ Revenue | +8.7% | -15.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +37.5% | +16.0% |
Valuation Metrics
At 15.2x trailing earnings, JPM trades at a 19% valuation discount to EZPW's 18.7x P/E. On an enterprise value basis, EZPW's 10.6x EV/EBITDA is more attractive than JPM's 13.1x.
| Metric | EZPWEZCORP, Inc. | JPMJPMorgan Chase & … |
|---|---|---|
| Market CapShares × price | $1.6B | $809.7B |
| Enterprise ValueMkt cap + debt − cash | $1.9B | $1.09T |
| Trailing P/EPrice ÷ TTM EPS | 18.68x | 15.21x |
| Forward P/EPrice ÷ next-FY EPS est. | 14.80x | 13.93x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.17x |
| EV / EBITDAEnterprise value multiple | 10.63x | 13.15x |
| Price / SalesMarket cap ÷ Revenue | 1.28x | 2.99x |
| Price / BookPrice ÷ Book value/share | 2.16x | 2.51x |
| Price / FCFMarket cap ÷ FCF | 14.82x | — |
Profitability & Efficiency
JPM delivers a 16.1% return on equity — every $100 of shareholder capital generates $16 in annual profit, vs $11 for EZPW. EZPW carries lower financial leverage with a 0.75x debt-to-equity ratio, signaling a more conservative balance sheet compared to JPM's 2.18x. On the Piotroski fundamental quality scale (0–9), EZPW scores 6/9 vs JPM's 5/9, reflecting solid financial health.
| Metric | EZPWEZCORP, Inc. | JPMJPMorgan Chase & … |
|---|---|---|
| ROE (TTM)Return on equity | +11.5% | +16.1% |
| ROA (TTM)Return on assets | +6.2% | +1.3% |
| ROICReturn on invested capital | +7.1% | +5.4% |
| ROCEReturn on capital employed | +10.0% | +8.2% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | 0.75x | 2.18x |
| Net DebtTotal debt minus cash | $295M | $281.8B |
| Cash & Equiv.Liquid assets | $470M | $469.3B |
| Total DebtShort + long-term debt | $764M | $751.1B |
| Interest CoverageEBIT ÷ Interest expense | 4.47x | 0.74x |
Total Returns (with DRIP)
A $10,000 investment in EZPW five years ago would be worth $53,704 today (with dividends reinvested), compared to $21,449 for JPM. Over the past 12 months, EZPW leads with a +92.8% total return vs JPM's +15.7%. The 3-year compound annual growth rate (CAGR) favors EZPW at 44.4% vs JPM's 30.0% — a key indicator of consistent wealth creation.
| Metric | EZPWEZCORP, Inc. | JPMJPMorgan Chase & … |
|---|---|---|
| YTD ReturnYear-to-date | +32.3% | -7.3% |
| 1-Year ReturnPast 12 months | +92.8% | +15.7% |
| 3-Year ReturnCumulative with dividends | +200.8% | +119.7% |
| 5-Year ReturnCumulative with dividends | +437.0% | +114.5% |
| 10-Year ReturnCumulative with dividends | +814.8% | +497.7% |
| CAGR (3Y)Annualised 3-year return | +44.4% | +30.0% |
Risk & Volatility
EZPW is the less volatile stock with a 0.34 beta — it tends to amplify market swings less than JPM's 1.00 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. EZPW currently trades 99.8% from its 52-week high vs JPM's 89.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | EZPWEZCORP, Inc. | JPMJPMorgan Chase & … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.34x | 1.00x |
| 52-Week HighHighest price in past year | $26.58 | $337.25 |
| 52-Week LowLowest price in past year | $12.85 | $202.16 |
| % of 52W HighCurrent price vs 52-week peak | +99.8% | +89.0% |
| RSI (14)Momentum oscillator 0–100 | 74.9 | 48.1 |
| Avg Volume (50D)Average daily shares traded | 800K | 9.0M |
Analyst Outlook
Wall Street rates EZPW as "Buy" and JPM as "Buy". Consensus price targets imply 11.9% upside for JPM (target: $336) vs 2.7% for EZPW (target: $27). JPM is the only dividend payer here at 1.71% yield — a key consideration for income-focused portfolios.
| Metric | EZPWEZCORP, Inc. | JPMJPMorgan Chase & … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $27.25 | $336.10 |
| # AnalystsCovering analysts | 15 | 60 |
| Dividend YieldAnnual dividend ÷ price | — | +1.7% |
| Dividend StreakConsecutive years of raises | 1 | 14 |
| Dividend / ShareAnnual DPS | — | $5.13 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.4% | +3.5% |
Historical Charts
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Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| EZCORP, Inc. (EZPW) | 100 | 449.69 | +349.7% |
| JPMorgan Chase & Co. (JPM) | 100 | 253.57 | +153.6% |
EZCORP, Inc. (EZPW) returned +437% over 5 years vs JPMorgan Chase & Co. (JPM)'s +114%. A $10,000 investment in EZPW 5 years ago would be worth $53,704 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| EZCORP, Inc. (EZPW) | $731M | $1.3B | +74.4% |
| JPMorgan Chase & Co. (JPM) | $106.4B | $270.8B | +154.5% |
EZCORP, Inc.'s revenue grew from $731M (2016) to $1.3B (2025) — a 6.4% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| EZCORP, Inc. (EZPW) | -11.1% | 8.6% | +177.8% |
| JPMorgan Chase & Co. (JPM) | 23.2% | 21.6% | -7.1% |
EZCORP, Inc.'s net margin went from -11% (2016) to 9% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| EZCORP, Inc. (EZPW) | 19.7 | 13.7 | -30.5% |
| JPMorgan Chase & Co. (JPM) | 16.9 | 12.1 | -28.4% |
EZCORP, Inc. has traded in a 11x–216x P/E range over 8 years; current trailing P/E is ~19x. JPMorgan Chase & Co. has traded in a 10x–17x P/E range over 8 years; current trailing P/E is ~15x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| EZCORP, Inc. (EZPW) | -1.48 | 1.42 | +195.9% |
| JPMorgan Chase & Co. (JPM) | 6.19 | 19.75 | +219.1% |
EZCORP, Inc.'s EPS grew from $-1.48 (2016) to $1.42 (2025).
Chart 6Free Cash Flow — 5 Years
EZCORP, Inc. generated $110M FCF in 2025 (+384% vs 2021). JPMorgan Chase & Co. generated $-42B FCF in 2024 (-154% vs 2021).
EZPW vs JPM: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is EZPW or JPM a better buy right now?
JPMorgan Chase & Co. (JPM) offers the better valuation at 15.2x trailing P/E (13.9x forward), making it the more compelling value choice. Analysts rate EZCORP, Inc. (EZPW) a "Buy" — based on 15 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — EZPW or JPM?
On trailing P/E, JPMorgan Chase & Co. (JPM) is the cheapest at 15.2x versus EZCORP, Inc. at 18.7x. On forward P/E, JPMorgan Chase & Co. is actually cheaper at 13.9x.
03Which is the better long-term investment — EZPW or JPM?
Over the past 5 years, EZCORP, Inc. (EZPW) delivered a total return of +437.0%, compared to +114.5% for JPMorgan Chase & Co. (JPM). A $10,000 investment in EZPW five years ago would be worth approximately $54K today (assuming dividends reinvested). Over 10 years, the gap is even starker: EZPW returned +814.8% versus JPM's +497.7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — EZPW or JPM?
By beta (market sensitivity over 5 years), EZCORP, Inc. (EZPW) is the lower-risk stock at 0.34β versus JPMorgan Chase & Co.'s 1.00β — meaning JPM is approximately 197% more volatile than EZPW relative to the S&P 500. On balance sheet safety, EZCORP, Inc. (EZPW) carries a lower debt/equity ratio of 75% versus 2% for JPMorgan Chase & Co. — giving it more financial flexibility in a downturn.
05Which has better profit margins — EZPW or JPM?
JPMorgan Chase & Co. (JPM) is the more profitable company, earning 21.6% net margin versus 8.6% for EZCORP, Inc. — meaning it keeps 21.6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: JPM leads at 27.7% versus 11.7% for EZPW. At the gross margin level — before operating expenses — JPM leads at 58.6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is EZPW or JPM more undervalued right now?
On forward earnings alone, JPMorgan Chase & Co. (JPM) trades at 13.9x forward P/E versus 14.8x for EZCORP, Inc. — 0.9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for JPM: 11.9% to $336.10.
07Which pays a better dividend — EZPW or JPM?
In this comparison, JPM (1.7% yield) pays a dividend. EZPW does not pay a meaningful dividend and should not be held primarily for income.
08Is EZPW or JPM better for a retirement portfolio?
For long-horizon retirement investors, EZCORP, Inc. (EZPW) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.34), +814.8% 10Y return). Both have compounded well over 10 years (EZPW: +814.8%, JPM: +497.7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between EZPW and JPM?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. In terms of investment character: EZPW is a small-cap quality compounder stock; JPM is a large-cap deep-value stock. JPM pays a dividend while EZPW does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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