Critical Survey: EZCORP (EZPW) vs. TPG RE Finance Trust (TRTX)
EZCORP (NASDAQ: EZPW) and TPG RE Finance Trust (NYSE:TRTX) are both small-cap financials companies, but which is the better stock? We will compare the two companies based on the strength of their dividends, valuation, analyst recommendations, profitability, risk, earnings and institutional ownership.
TPG RE Finance Trust pays an annual dividend of $0.33 per share and has a dividend yield of 1.7%. EZCORP does not pay a dividend.
This table compares EZCORP and TPG RE Finance Trust’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|TPG RE Finance Trust||N/A||N/A||N/A|
Insider and Institutional Ownership
92.7% of EZCORP shares are held by institutional investors. Comparatively, 26.4% of TPG RE Finance Trust shares are held by institutional investors. 2.1% of EZCORP shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Earnings & Valuation
This table compares EZCORP and TPG RE Finance Trust’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|EZCORP||$747.95 million||0.88||$31.85 million||$0.62||19.44|
|TPG RE Finance Trust||$92.39 million||12.54||$69.96 million||N/A||N/A|
TPG RE Finance Trust has lower revenue, but higher earnings than EZCORP.
This is a breakdown of recent recommendations for EZCORP and TPG RE Finance Trust, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|TPG RE Finance Trust||0||2||3||0||2.60|
EZCORP currently has a consensus price target of $10.50, indicating a potential downside of 12.86%. TPG RE Finance Trust has a consensus price target of $21.20, indicating a potential upside of 9.05%. Given TPG RE Finance Trust’s stronger consensus rating and higher possible upside, analysts plainly believe TPG RE Finance Trust is more favorable than EZCORP.
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 TPG RE Finance Trust
TPG RE Finance Trust, Inc. is a commercial real estate finance company. The Company is engaged in originating, acquiring and managing commercial mortgage loans and other commercial real estate-related debt instruments. It focuses primarily on directly originating and selectively acquiring floating rate first mortgage loans that are secured by high quality commercial real estate properties undergoing some form of transition and value creation, such as re-tenanting, refurbishment or other form of repositioning. As of December 31, 2016, the Company’s portfolio consisted of 54 first mortgage loans. As of December 31, 2016, 97% of the loan commitments in its portfolio consisted of floating rate loans, and 98.6% of the loan commitments in its portfolio consisted of first mortgage loans.
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