EZPW
EZCORP, Inc.
EZPW has a slight edge over SOFI overall, supported by lower modeled downside.
SOFI
SoFi Technologies, Inc.
SOFI offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
EZPW Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
EZPW's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like EZPW.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
EZPW PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $23.75 | -12% |
| Forward | 12x | $27.05 | — |
| Current | 13x | $27.05 | — |
| Fair | 16x | $32.37 | +20% |
| Expensive | 21x | $43.19 | +60% |
Historical ranges are pointers, not guarantees.
EZPW's PE is in its cheap range at 13x. If earnings grow as analysts expect, today's price would be 12x next year's earnings.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI has the edge over EZPW in the historical PE scenario, which offers more potential upside but is not a forecast.
EZPW Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for EZPW, with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over EZPW on the outlook, with more favorable valuation expectations.
EZPW Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.18 | +5.2% |
| Q3 2026 | $2.07 | +46% |
| Q2 2026 | $1.99 | +57% |
| Q1 2026 | $1.85 | +57% |
| Q4 2025 | $1.57 | +38% |
| Q3 2025 | $1.42 | +29% |
| Q2 2025 | $1.27 | +20% |
| Q1 2025 | $1.18 | +12% |
| Q4 2024 | $1.14 | +78% |
EZPW has the edge over SOFI on earnings, with more consistent year-over-year improvement.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
EZPW Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $447.1M | +33% |
| Q2 2026 | $418.7M | +35% |
| Q1 2026 | $446.9M | +46% |
| Q4 2025 | $382M | +19% |
| Q3 2025 | $336.8M | +14% |
| Q2 2025 | $311M | +11% |
| Q1 2025 | $306.3M | +7.2% |
| Q4 2024 | $320.2M | +6.7% |
EZPW's revenue has grown year over year for 21 quarters in a row: $447M last quarter, up 33% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 13% | +1.6 points |
| Q2 2026 | 13% | +1.5 points |
| Q1 2026 | 15% | +4 points |
| Q4 2025 | 16% | +2.8 points |
| Q3 2025 | 11% | +2.2 points |
| Q2 2025 | 12% | +3.7 points |
| Q1 2025 | 11% | +1.6 points |
| Q4 2024 | 13% | +0.7 points |
EZPW's operating margin was 13% last quarter, up 1.6 points from the same quarter a year ago.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over EZPW on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI has the edge over EZPW on profitability, with a higher operating margin.
EZPW Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $38.2M | +6.8% |
| Q2 2026 | $32.9M | +28% |
| Q1 2026 | $38M | +33% |
| Q4 2025 | $31.7M | +55% |
| Q3 2025 | $35.7M | +46% |
| Q2 2025 | $25.7M | -16% |
| Q1 2025 | $28.6M | +232% |
| Q4 2024 | $20.4M | +43% |
EZPW has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
EZPW Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -52K shares |
| 1 year | +0.5% | +440K shares |
| 3 years | -4% | -3.5M shares |
| 5 years | +49% | +27.5M shares |
| Available history | +50% | +27.7M shares |
EZPW has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3M |
| Q2 2026 | $4M |
| Q1 2026 | $4M |
| Q4 2025 | — |
| Q3 2025 | $999,000 |
| Q2 2025 | $2M |
| Q1 2025 | $997,000 |
| Q4 2024 | $3M |
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
EZPW Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.8x | Very low |
| Q2 2026 | 0.8x | Very low |
| Q1 2026 | 0.7x | Very low |
| Q4 2025 | 0.3x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2025 | 0.3x | Very low |
| Q1 2025 | 0.7x | Very low |
| Q4 2024 | 1.0x | Healthy |
EZPW's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like EZPW.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has the edge over EZPW on leverage, with a lower net debt burden relative to earnings.
EZPW Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 41.9 | Neutral |
| Stochastic | 14.8 | Oversold |
EZPW's weekly RSI is 42 (neutral) and its Stochastic is 15 (oversold).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
EZPW PE vs Financial Services Sector
| Metric | EZPW | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.4% above |
| PE % | 31 | 63 | 32 pts below |
EZPW has the edge over SOFI on valuation relative to its sector.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
EZPW Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.8 | 9.3% below |
| 20 week MA | $30.9 | 13% below |
| 50 week MA | $28.4 | 4.6% below |
| 100 week MA | $21.7 | 25% above |
| 200 week MA | $15.7 | 72% above |
EZPW has the edge over SOFI on trend strength, trading above more of its moving averages.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
EZPW Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $6.69 | $4.75 | -29% |
| 2021 | $4.75 | $7.10 | +49% |
| 2022 | $7.10 | $8.33 | +17% |
| 2023 | $8.33 | $8.74 | +4.9% |
| 2024 | $8.74 | $12.3 | +41% |
| 2025 | $12.3 | $19.8 | +61% |
| 2026 YTD | $19.8 | $27.1 | +36% |
EZPW has the edge over SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.