EZCORP (EZPW) vs Upstart (UPST)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
EZCORP (EZPW) has outperformed Upstart (UPST) over the past year, gaining 64.5% versus a loss of 53.3%. Over five years, EZPW leads with a +289.6% price change compared with -93.8% for UPST. Upstart is the larger company by market cap ($2.35 billion vs $1.93 billion), about 1.2 times the size.
On valuation, Upstart trades at a lower forward P/E (6.9x vs 14.2x for EZCORP). EZCORP converts more of its revenue into profit, with a net margin of 8.6% versus 5.1%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | EZPW | UPST |
|---|---|---|
| Share price | $31.41 | $24.11 |
| Market cap | $1.93B | $2.35B |
| 1-day change | +0.75% | -0.35% |
| YTD return | +60.50% | -44.68% |
| 1-year return | +64.49% | -53.27% |
| 5-year return | +289.63% | -93.80% |
| P/E ratio (TTM) | 15.78 | 48.21 |
| Forward P/E | 14.18 | 6.93 |
| EPS (TTM) | $1.99 | $0.50 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $1.27B | $1.04B |
| Revenue growth (YoY) | +9.70% | +63.99% |
| Net income (latest FY) | $109.61M | $53.60M |
| Gross margin | 58.55% | — |
| Operating margin | 11.71% | 4.08% |
| Net margin | 8.60% | 5.13% |
| 52-week high | $37.13 | $55.22 |
| 52-week low | $16.50 | $22.56 |
| Distance from 52-week high | -15.42% | -56.35% |
| Analyst consensus | none | buy |
| Avg. price target upside | +29.92% | +65.94% |
| Average volume | 890.51K | 4.27M |
| Shares outstanding | 58.47M | 97.31M |
| Employees | 8,500 | 1,405 |
| Sector | Consumer Discretionary | Finance |
| Industry | Other Specialty Stores | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- EZPW has outperformed UPST by 117.8 percentage points over the past year.
- Upstart trades at a higher earnings multiple (48.2x vs 15.8x trailing P/E).
- Upstart grew revenue faster in its latest fiscal year (+63.99% vs +9.70%).
- The two companies sit in different sectors: EZCORP in Consumer Discretionary and Upstart in Finance.
About EZCORP
EZPW stock →EZCORP, Inc. provides pawn services in the United States, Mexico, and Latin America.
Consumer Discretionary · Other Specialty Stores · 8,500 employees
About Upstart
UPST stock →Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other.
Finance · Finance: Consumer Services · 1,405 employees
EZPW vs UPST FAQ
Which is bigger, EZCORP or Upstart?
Upstart (UPST) is larger, with a market capitalization of $2.35B compared with $1.93B for EZCORP (EZPW).
Which stock has performed better over the past year, EZPW or UPST?
EZPW returned +64.49% over the past 12 months, compared with -53.27% for UPST (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, EZPW or UPST?
EZPW has the lower trailing P/E at 15.8, versus 48.2 for UPST. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are EZCORP and Upstart in the same industry?
No. EZCORP is in the Consumer Discretionary sector, while Upstart is in Finance.