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EZPW vs KMPR

EZPW
EZCORP, Inc.
BULLISH
Price
$32.25
Market Cap
$1.99B
Sector
Financial Services
AI Confidence
85%
KMPR
Kemper Corporation
BEARISH
Price
$33.62
Market Cap
$1.98B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
EZPW
20.54
KMPR
14.68
Forward P/E
EZPW
15.79
KMPR
6.54
P/B Ratio
EZPW
1.86
KMPR
0.74
P/S Ratio
EZPW
1.49
KMPR
0.41
EV/EBITDA
EZPW
11.35
KMPR
9.66

Profitability

Gross Margin
EZPW
58.65%
KMPR
29.53%
Operating Margin
EZPW
15.89%
KMPR
2.94%
Profit Margin
EZPW
9.2%
KMPR
2.99%
ROE
EZPW
12.97%
KMPR
4.86%
ROA
EZPW
6.06%
KMPR
1.18%

Growth

Revenue Growth
EZPW
19.3%
KMPR
-4.7%
Earnings Growth
EZPW
38.2%
KMPR
--

Financial Health

Debt/Equity
EZPW
0.72
KMPR
0.56
Current Ratio
EZPW
6.03
KMPR
0.46
Quick Ratio
EZPW
2.79
KMPR
0.43

Dividends

Dividend Yield
EZPW
--
KMPR
3.81%
Payout Ratio
EZPW
0.0%
KMPR
55.9%

AI Verdict

EZPW BULLISH

EZPW exhibits strong fundamental health with a Piotroski F-Score of 7/9 and exceptional growth metrics. While the current price of $32.25 sits above the Graham Number ($24.76), it remains significantly below the growth-based intrinsic value of $46.32, supported by a highly attractive PEG ratio of 0.28. Despite bearish insider sentiment and technical trends, the company's consistent earnings beats and robust liquidity (Current Ratio 6.03) suggest a strong underlying business trajectory.

Strengths
Strong financial health indicated by a Piotroski F-Score of 7/9
Exceptional valuation relative to growth with a PEG ratio of 0.28
Robust liquidity position with a Current Ratio of 6.03
Risks
Bearish insider activity with 7 sell transactions and 0 buys in the last 6 months
Weak technical trend (10/100) suggesting short-term price pressure
Lack of dividend yield for income-seeking investors
KMPR BEARISH

KMPR presents as a classic value trap; while the Graham Number ($48.53) and P/B ratio (0.74) suggest deep value, the fundamental health is deteriorating. The Piotroski F-Score of 4/9 indicates only stable health, which is overshadowed by a catastrophic earnings trend featuring 0 beats in the last 4 quarters and a -57.11% average surprise. With YoY EPS growth collapsing by 83.4% and a bearish technical trend (0/100), the low valuation is a reflection of declining business quality rather than a market mispricing.

Strengths
Low Price-to-Book ratio (0.74) suggesting assets are undervalued
Low Price-to-Sales ratio (0.41) indicating cheap revenue multiples
Graham Number ($48.53) is significantly above current market price
Risks
Severe earnings deterioration with -83.4% YoY EPS growth
Consistent failure to meet analyst expectations (0/4 beats in last 4 quarters)
Negative revenue growth (-4.70% YoY) indicating shrinking top line

Compare Another Pair

EZPW vs KMPR: Head-to-Head Comparison

This page compares EZCORP, Inc. (EZPW) and Kemper Corporation (KMPR) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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