EZCORP (NASDAQ: EZPW) and QIWI PLC (NASDAQ:QIWI) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, valuation, profitabiliy, risk, earnings and dividends.
Insider & Institutional Ownership
87.5% of EZCORP shares are held by institutional investors. Comparatively, 14.8% of QIWI PLC shares are held by institutional investors. 2.1% of EZCORP shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
This is a breakdown of recent ratings and recommmendations for EZCORP and QIWI PLC, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
EZCORP currently has a consensus price target of $9.92, suggesting a potential upside of 10.19%. QIWI PLC has a consensus price target of $22.67, suggesting a potential downside of 6.14%. Given EZCORP’s higher possible upside, analysts clearly believe EZCORP is more favorable than QIWI PLC.
Volatility & Risk
EZCORP has a beta of 1.93, indicating that its stock price is 93% more volatile than the S&P 500. Comparatively, QIWI PLC has a beta of 3.43, indicating that its stock price is 243% more volatile than the S&P 500.
Earnings & Valuation
This table compares EZCORP and QIWI PLC’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|EZCORP||$736.99 million||0.66||$63.25 million||$0.23||39.13|
|QIWI PLC||$591.02 million||2.48||$179.77 million||$0.69||35.00|
QIWI PLC has higher revenue, but lower earnings than EZCORP. QIWI PLC is trading at a lower price-to-earnings ratio than EZCORP, indicating that it is currently the more affordable of the two stocks.
This table compares EZCORP and QIWI PLC’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
QIWI PLC pays an annual dividend of $0.76 per share and has a dividend yield of 3.1%. EZCORP does not pay a dividend. QIWI PLC pays out 110.1% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.
QIWI PLC beats EZCORP on 9 of the 15 factors compared between the two stocks.
EZCORP, Inc. provides pawn loans in the United States and Mexico, and consumer loans in Mexico. The Company operates through three segments: U.S. Pawn, which includes its EZPAWN, Value Pawn & Jewelry and other branded pawn operations in the United States; Mexico Pawn, which includes its Empeno Facil pawn operations and cash converters buy/sell store operations in Mexico, and Other International, which includes its CASHMAX financial services operations in Canada and its equity interest in Cash Converters International. It offers pawn loans, which are non-recourse loans, collateralized by tangible property, and it sells merchandise, primarily collateral forfeited from pawn lending operations and used merchandise purchased from customers at its pawn stores.
About QIWI PLC
QIWI plc is a provider of payment services in Russia and the Commonwealth of Independent States (CIS). The Company’s network enables payment services across physical, online and mobile channels. The Company operates in target markets and customer segments. As of December 31, 2016, the Company had deployed over 17.2 million virtual wallets, over 162,000 kiosks and terminals, and enabled merchants to accept over Russian rubles 70 billion cash and electronic payments monthly. The Company’s consumers can use cash, stored value and other electronic payment methods to order and pay for goods and services across physical or virtual environments interchangeably. The Company provides integrated network of physical distribution points and virtual wallets, as well as payment channels and methods that enable consumers to deposit cash, convert it into a digital form and transfer the funds to a virtual wallet or pay for any merchant in its network.
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