Financial Analysis: Navient Co. SR NT 6% 121543 (NASDAQ:JSM) & EZCORP (NASDAQ:EZPW)

EZCORP (NASDAQ:EZPW) and Navient Co. SR NT 6% 121543 (NASDAQ:JSM) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, profitability, valuation, analyst recommendations, dividends, earnings and risk.

Profitability

This table compares EZCORP and Navient Co. SR NT 6% 121543’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
EZCORP	9.97%	13.99%	7.49%
Navient Co. SR NT 6% 121543	N/A	N/A	N/A

Insider and Institutional Ownership

99.8% of EZCORP shares are held by institutional investors. 2.1% of EZCORP shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Valuation and Earnings

This table compares EZCORP and Navient Co. SR NT 6% 121543″s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
EZCORP	$1.58 billion	1.08	$109.61 million	$1.98	14.09
Navient Co. SR NT 6% 121543	N/A	N/A	N/A	N/A	N/A

EZCORP has higher revenue and earnings than Navient Co. SR NT 6% 121543.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for EZCORP and Navient Co. SR NT 6% 121543, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
EZCORP	0	2	5	1	2.88
Navient Co. SR NT 6% 121543	0	0	0	0	0.00

EZCORP presently has a consensus price target of $38.80, suggesting a potential upside of 39.07%. Given EZCORP’s stronger consensus rating and higher probable upside, equities analysts plainly believe EZCORP is more favorable than Navient Co. SR NT 6% 121543.

Summary

EZCORP beats Navient Co. SR NT 6% 121543 on 10 of the 10 factors compared between the two stocks.

About EZCORP

EZCORP, Inc. provides pawn services in the United States and Latin America. The company operates through three segments: U.S. Pawn, Latin America Pawn, and Other Investments. The company offers pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. It also retails merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. In addition, the company provides EZ+, a web-based application that allow customers to manage their pawn transactions, layaways, and loyalty rewards online. Further, it operates under the EZPAWN, Value Pawn & Jewelry, Empeño Fácil, Cash Apoyo Efectivo, GuatePrenda, and MaxiEfectivo brands. EZCORP, Inc. was incorporated in 1989 and is headquartered in Austin, Texas.

About Navient Co. SR NT 6% 121543

as the nation’s leading loan management, servicing and asset recovery company, navient (nasdaq:navi) helps customers navigate the path to financial success. servicing more than $300 billion in student loans, the company supports the educational and economic achievements of more than 12 million americans. a growing number of government and higher education clients rely on navient for proven solutions to meet their financial goals. learn more at navient.com.