EzCorp [EZPW] vs Lufax Holding [LU] Detailed Stock Comparison

EzCorp Inc.

NASDAQ
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Lufax Holding Ltd. ADR

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: EzCorp Inc. wins in 11 metrics, Lufax Holding Ltd. ADR wins in 6 metrics, with 0 ties. EzCorp Inc. appears stronger overall.

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Vital Metrics Comparison

Metric EzCorp Inc. Lufax Holding Ltd. ADR Better
P/E Ratio (TTM) 20.21 19.95 Lufax Holding Ltd. ADR
Price-to-Book Ratio 1.83 0.14 Lufax Holding Ltd. ADR
Debt-to-Equity Ratio 71.63 55.13 Lufax Holding Ltd. ADR
PEG Ratio 0.77 3.24 EzCorp Inc.
EV/EBITDA 11.19 -0.69 EzCorp Inc.
Profit Margin (TTM) 9.20% -13.65% EzCorp Inc.
Operating Margin (TTM) 15.89% -12.79% EzCorp Inc.
EBITDA Margin (TTM) 15.89% N/A N/A
Return on Equity 12.97% -4.09% EzCorp Inc.
Return on Assets (TTM) 6.06% 2.10% EzCorp Inc.
Free Cash Flow (TTM) $110.42M $1.74B Lufax Holding Ltd. ADR
1-Year Return 137.28% -52.50% EzCorp Inc.
Price-to-Sales Ratio (TTM) 1.47 0.06 Lufax Holding Ltd. ADR
Enterprise Value $2.26B $-754.55M EzCorp Inc.
EV/Revenue Ratio 1.69 -0.18 EzCorp Inc.
Gross Profit Margin (TTM) 58.37% N/A N/A
Revenue per Share (TTM) $23 $41 Lufax Holding Ltd. ADR
Earnings per Share (Diluted) $1.57 $-0.81 EzCorp Inc.
Beta (Stock Volatility) 0.52 0.67 EzCorp Inc.
Short % of Float 22.45% N/A N/A

EzCorp Inc. vs Lufax Holding Ltd. ADR Stock Performance Analysis

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EZPW
LU

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
EzCorp Inc.3.17%3.23%-2.30%24.96%57.04%60.72%
Lufax Holding Ltd. ADR2.26%-1.45%-27.27%-39.82%-47.29%-49.44%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
EzCorp Inc.137.28%274.70%385.25%356.20%3.07%206.97%
Lufax Holding Ltd. ADR-52.50%-78.69%-97.34%-97.41%-97.41%-97.41%

Performance & Financial Health Analysis: EzCorp Inc. vs Lufax Holding Ltd. ADR

MetricEZPWLU
Market Information
Market Cap i$1.97B$1.76B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i591,2791,880,599
90 Day Avg. Volume i744,2901,826,923
Last Close$32.24$1.36
52 Week Range$12.85 - $37.13$1.29 - $4.57
% from 52W High-13.17%-70.24%
All-Time High$38.66 (Jul 04, 2011)$80.68 (Nov 09, 2020)
% from All-Time High-16.61%-98.31%
Growth Metrics
Quarterly Revenue Growth0.19%-0.31%
Quarterly Earnings Growth0.43%4.74%
Financial Health
Profit Margin (TTM) i0.09%-0.14%
Operating Margin (TTM) i0.16%-0.13%
Return on Equity (TTM) i0.13%-0.04%
Debt to Equity (MRQ) i71.6355.13
Cash & Liquidity
Book Value per Share (MRQ)$17.36$13.68
Cash per Share (MRQ)$7.55$33.36
Operating Cash Flow (TTM) i$162.14M$265.83M
Levered Free Cash Flow (TTM) i$17.16M$2.88B
Dividends
Last 12-Month Dividend Yield iN/AN/A
Last 12-Month Dividend iN/A$0.00

Valuation & Enterprise Metrics Analysis: EzCorp Inc. vs Lufax Holding Ltd. ADR

MetricEZPW (Apr 26, 2026)LU (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i20.2119.95
Forward P/E i15.533.24
PEG Ratio i0.773.24
Price to Sales (TTM) i1.470.06
Price to Book (MRQ) i1.830.14
Market Capitalization
Market Capitalization i$1.97B$1.76B
Enterprise Value i$2.26B$-754,546,422
Enterprise Value Metrics
Enterprise to Revenue i1.69-0.18
Enterprise to EBITDA i11.19-0.69
Risk & Other Metrics
Beta i0.520.67
Book Value per Share (MRQ) i$17.36$13.68

Financial Statements Comparison: EzCorp Inc. vs Lufax Holding Ltd. ADR

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricEZPW (2025)LU (2024)
Revenue/Sales i1.27B19.18B
Cost of Goods Sold i528.22MN/A
COGS % of Revenue i41.5%0.0%
Gross Profit i746.07MN/A
Gross Margin i58.5%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) i148.92MN/A
Operating Margin i11.7%0.0%
EBITDA i203.35MN/A
EBITDA Margin i16.0%0.0%
Pre-Tax Income i146.77M-2.08B
Pre-Tax Income % of Revenue i11.5%-10.8%
Income Tax i37.16M1.52B
Income Tax % of Revenue i2.9%7.9%
Net Income (Profit) i109.61M-3.60B
Profit Margin i8.6%-18.8%

Balance Sheet & Liquidity Metrics

MetricEZPW (2025)LU (2024)
Cash & Equivalents i469.52M30.20B
Total Current Assets i1.13BN/A
Total Current Assets % of Revenue i88.4%0.0%
Total Current Liabilities i200.57MN/A
Total Current Liabilities % of Revenue i15.7%0.0%
Long-Term Debt i702.81M57.59B
Long-Term Debt % of Revenue i55.2%300.2%
Total Shareholders Equity i1.03B83.60B
Retained Earnings i612.69M58.80B
Retained Earnings % of Revenue i48.1%306.5%
Property, Plant & Equipment i0N/A

Cash Flow Statement Comparison

MetricEZPW (2025)LU (2024)
Operating Cash Flow i159.12M-554.20M
Operating Cash Flow % of Revenue i12.5%-2.9%
Capital Expenditures iN/A-62.90M
Free Cash Flow i110.42M1.74B
FCF Margin i8.7%9.1%
Debt Repayment i-7.02M-14.57B
Common Stock Repurchase i-7.00MN/A

Short Interest & Institutional Ownership Analysis

MetricEZPWLU
Shares Short i10.23M6.46M
Short Ratio i13.603.25
Short % of Float i22.45%N/A
Shares Outstanding i61.69M1.73B
Float Shares i55.66M475.52M
% Held by Insiders i4.51%1.90%
% Held by Institutions i114.64%10.24%
% Held by Public i-19.15%87.86%

Dividend Analysis & Yield Comparison: EzCorp Inc. vs Lufax Holding Ltd. ADR

MetricEZPWLU
Last 12-Month Dividend iN/A$0.00
Last 12-Month Dividend Yield iN/AN/A
3-Year Avg Annual Dividend iN/A$0.35
3-Year Avg Dividend Yield iN/A4.95%
3-Year Total Dividends iN/A$1.04
Ex-Dividend DateN/AOct 11, 2023