EZPW vs. PYPL

Last updated Jun 4, 2026

EZPW (EZCORP, Inc.) and PYPL (PayPal Holdings, Inc.) are both stocks. Both operate in the Credit Services industry within the Financial Services sector. Over the past 10 years, EZPW returned 16.75%/yr vs 1.12%/yr for PYPL. At a 0.17 correlation, their price movements are largely independent.

Performance

EZPW vs. PYPL - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in EZCORP, Inc. (EZPW) and PayPal Holdings, Inc. (PYPL). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, EZPW achieves a 63.95% return, which is significantly higher than PYPL's -26.79% return. Over the past 10 years, EZPW has outperformed PYPL with an annualized return of 16.75%, while PYPL has yielded a comparatively lower 1.12% annualized return.

EZPW

• 1D: 2.51%
• 1M: -2.36%
• YTD: 63.95%
• 6M: 58.64%
• 1Y: 139.22%
• 3Y*: 55.55%
• 5Y*: 33.75%
• 10Y*: 16.75%

PYPL

• 1D: -4.31%
• 1M: -15.44%
• YTD: -26.79%
• 6M: -30.21%
• 1Y: -39.94%
• 3Y*: -12.51%
• 5Y*: -30.44%
• 10Y*: 1.12%

*Multi-year figures are annualized to reflect compound growth (CAGR)

EZPW vs. PYPL - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
EZPW EZCORP, Inc.	63.95%	58.92%	39.82%	7.24%	10.58%	53.86%	-29.77%	-11.77%	-36.64%	14.55%
PYPL PayPal Holdings, Inc.	-26.79%	-31.44%	38.98%	-13.77%	-62.23%	-19.48%	116.51%	28.64%	14.22%	86.52%

Correlation

The correlation between EZPW and PYPL is 0.14, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.14
Correlation (3Y) Calculated over the trailing 3-year period	0.13
Correlation (5Y) Calculated over the trailing 5-year period	0.19
Correlation (10Y) Calculated over the trailing 10-year period	0.16
Correlation (All Time) Calculated using the full available price history since Jul 21, 2015	0.17

Fundamentals

Market Cap EZPW : $2.66B PYPL : $39.20B
EPS EZPW : $1.76 PYPL : $5.31
PE Ratio EZPW : 18.07 PYPL : 8.03
PEG Ratio EZPW : 0.12 PYPL : 0.39
PS Ratio EZPW : 1.79 PYPL : 1.20
PB Ratio EZPW : 2.37 PYPL : 1.96
Total Revenue (TTM) EZPW : $1.48B PYPL : $33.73B
Gross Profit (TTM) EZPW : $865.21M PYPL : $15.56B
EBITDA (TTM) EZPW : $256.16M PYPL : $7.23B

Return for Risk

EZPW vs. PYPL — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

EZPW

EZPW Risk / Return Rank: 97
EZPW Sharpe Ratio Rank: 98
EZPW Sortino Ratio Rank: 97
EZPW Omega Ratio Rank: 96
EZPW Calmar Ratio Rank: 98
EZPW Martin Ratio Rank: 98

PYPL

PYPL Risk / Return Rank: 7
PYPL Sharpe Ratio Rank: 4
PYPL Sortino Ratio Rank: 7
PYPL Omega Ratio Rank: 6
PYPL Calmar Ratio Rank: 10
PYPL Martin Ratio Rank: 6

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

EZPW vs. PYPL - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for EZCORP, Inc. (EZPW) and PayPal Holdings, Inc. (PYPL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	EZPW	PYPL	Difference
Sharpe ratio Return per unit of total volatility	4.21	-1.03	+5.24
Sortino ratio Return per unit of downside risk	4.89	-1.32	+6.21
Omega ratio Gain probability vs. loss probability	1.62	0.81	+0.81
Calmar ratio Return relative to maximum drawdown	13.15	-0.80	+13.95
Martin ratio Return relative to average drawdown	35.47	-1.45	+36.92
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

EZPW vs. PYPL - Sharpe Ratio Comparison

The current EZPW Sharpe Ratio is 4.21, which is higher than the PYPL Sharpe Ratio of -1.03. The chart below compares the historical Sharpe Ratios of EZPW and PYPL, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	EZPW	PYPL	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	4.21	-1.03	+5.24
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	1.00	-0.73	+1.73
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.43	0.03	+0.40
Sharpe Ratio (All Time) Calculated using the full available price history	0.11	0.01	+0.10

Drawdowns

EZPW vs. PYPL - Drawdown Comparison

The maximum EZPW drawdown since its inception was -97.28%, which is greater than PYPL's maximum drawdown of -87.30%. Use the drawdown chart below to compare losses from any high point for EZPW and PYPL.

Drawdown Indicators

	EZPW	PYPL	Difference
Max Drawdown Largest peak-to-trough decline	-97.28%	-87.30%	-9.98%
Max Drawdown (1Y) Largest decline over 1 year	-10.65%	-49.92%	+39.27%
Max Drawdown (3Y) Largest decline over 3 years	-20.51%	-57.34%	+36.83%
Max Drawdown (5Y) Largest decline over 5 years	-35.94%	-87.30%	+51.36%
Max Drawdown (10Y) Largest decline over 10 years	-76.59%	-87.30%	+10.71%
Current Drawdown Current decline from peak	-16.36%	-86.12%	+69.76%
Average Drawdown Average peak-to-trough decline	-59.12%	-35.63%	-23.49%
Ulcer Index Depth and duration of drawdowns from previous peaks	3.94%	27.53%	-23.59%

Volatility

EZPW vs. PYPL - Volatility Comparison

EZCORP, Inc. (EZPW) has a higher volatility of 11.44% compared to PayPal Holdings, Inc. (PYPL) at 9.62%. This indicates that EZPW's price experiences larger fluctuations and is considered to be riskier than PYPL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	EZPW	PYPL	Difference
Volatility (1M) Calculated over the trailing 1-month period	11.44%	9.62%	+1.82%
Volatility (6M) Calculated over the trailing 6-month period	24.93%	31.64%	-6.71%
Volatility (1Y) Calculated over the trailing 1-year period	33.27%	39.02%	-5.75%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	33.95%	42.08%	-8.13%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	39.25%	38.76%	+0.49%

Dividends

EZPW vs. PYPL - Dividend Comparison

EZPW has not paid dividends to shareholders, while PYPL's dividend yield for the trailing twelve months is around 0.66%.

Position	TTM	2025
EZPW EZCORP, Inc.	0.00%	0.00%
PYPL PayPal Holdings, Inc.	0.66%	0.24%

Financials

EZPW vs. PYPL - Profitability Comparison

The chart below illustrates the profitability comparison between EZCORP, Inc. and PayPal Holdings, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

EZPW - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, EZCORP, Inc. reported a gross profit of 260.04M and revenue of 446.88M. Therefore, the gross margin over that period was 58.2%.

PYPL - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, PayPal Holdings, Inc. reported a gross profit of 3.81B and revenue of 8.35B. Therefore, the gross margin over that period was 45.6%.

EZPW - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, EZCORP, Inc. reported an operating income of 67.84M and revenue of 446.88M, resulting in an operating margin of 15.2%.

PYPL - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, PayPal Holdings, Inc. reported an operating income of 1.49B and revenue of 8.35B, resulting in an operating margin of 17.8%.

EZPW - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, EZCORP, Inc. reported a net income of 49.10M and revenue of 446.88M, resulting in a net margin of 11.0%.

PYPL - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, PayPal Holdings, Inc. reported a net income of 1.11B and revenue of 8.35B, resulting in a net margin of 13.3%.

Frequently Asked Questions

Can I hold both EZPW and PYPL in my portfolio?

EZPW and PYPL have a correlation of 0.14, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, EZPW or PYPL?

EZPW has higher volatility (11.44%) compared to PYPL (9.62%). In terms of maximum drawdown, EZPW dropped -97.28% vs PYPL's -87.30%.

Which has better risk-adjusted returns?

EZPW currently has the higher Sharpe Ratio (4.21 vs -1.03), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.