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Side-by-side financial comparison of EZCORP INC (EZPW) and FNB CORP (FNB). Click either name above to swap in a different company.
EZCORP INC is the larger business by last-quarter revenue ($382.0M vs $366.0M, roughly 1.0× FNB CORP). FNB CORP runs the higher net margin — 45.9% vs 11.6%, a 34.3% gap on every dollar of revenue. On growth, EZCORP INC posted the faster year-over-year revenue change (19.3% vs 13.7%). FNB CORP produced more free cash flow last quarter ($99.0M vs $31.7M). Over the past eight quarters, EZCORP INC's revenue compounded faster (15.6% CAGR vs 7.1%).
EZCORP, Inc. is an American pawn shop operator based in Austin, Texas which provides services across the United States and Latin America. It is a publicly traded company listed on the NASDAQ stock exchange and is the second largest pawn shop operator in the U.S. after Cash America International.
FNB Corporation is a diversified financial services corporation based in Pittsburgh, Pennsylvania, and the holding company for its largest subsidiary, First National Bank. As of December 31, 2025, FNB has total assets of more than $50 billion. FNB's market coverage spans several major metropolitan areas, including Pittsburgh, Pennsylvania; Baltimore, Maryland; Cleveland, Ohio; Washington, D.C.; Charlotte, Raleigh, Durham and the Piedmont Triad in North Carolina; and Charleston, South Carolina...
EZPW vs FNB — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $382.0M | $366.0M |
| Net Profit | $44.3M | $168.0M |
| Gross Margin | 58.4% | — |
| Operating Margin | 15.9% | 45.1% |
| Net Margin | 11.6% | 45.9% |
| Revenue YoY | 19.3% | 13.7% |
| Net Profit YoY | 42.8% | 52.7% |
| EPS (diluted) | $0.55 | $0.47 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $382.0M | $366.0M | ||
| Q3 25 | $336.8M | $359.0M | ||
| Q2 25 | $311.0M | $348.0M | ||
| Q1 25 | $306.3M | $323.0M | ||
| Q4 24 | $320.2M | $322.0M | ||
| Q3 24 | $294.6M | $323.0M | ||
| Q2 24 | $281.4M | $316.0M | ||
| Q1 24 | $285.6M | $319.0M |
| Q4 25 | $44.3M | $168.0M | ||
| Q3 25 | $26.7M | $150.0M | ||
| Q2 25 | $26.5M | $130.0M | ||
| Q1 25 | $25.4M | $117.0M | ||
| Q4 24 | $31.0M | $110.0M | ||
| Q3 24 | $15.2M | $110.0M | ||
| Q2 24 | $17.9M | $123.0M | ||
| Q1 24 | $21.5M | $122.0M |
| Q4 25 | 58.4% | — | ||
| Q3 25 | 59.0% | — | ||
| Q2 25 | 59.1% | — | ||
| Q1 25 | 58.3% | — | ||
| Q4 24 | 57.9% | — | ||
| Q3 24 | 59.5% | — | ||
| Q2 24 | 59.2% | — | ||
| Q1 24 | 58.7% | — |
| Q4 25 | 15.9% | 45.1% | ||
| Q3 25 | 11.0% | 52.9% | ||
| Q2 25 | 11.6% | 47.7% | ||
| Q1 25 | 11.2% | 45.8% | ||
| Q4 24 | 13.1% | 31.7% | ||
| Q3 24 | 8.8% | 43.3% | ||
| Q2 24 | 7.9% | 49.7% | ||
| Q1 24 | 9.6% | 48.9% |
| Q4 25 | 11.6% | 45.9% | ||
| Q3 25 | 7.9% | 41.8% | ||
| Q2 25 | 8.5% | 37.4% | ||
| Q1 25 | 8.3% | 36.2% | ||
| Q4 24 | 9.7% | 34.2% | ||
| Q3 24 | 5.2% | 34.1% | ||
| Q2 24 | 6.4% | 38.9% | ||
| Q1 24 | 7.5% | 38.2% |
| Q4 25 | $0.55 | $0.47 | ||
| Q3 25 | $0.35 | $0.41 | ||
| Q2 25 | $0.34 | $0.36 | ||
| Q1 25 | $0.33 | $0.32 | ||
| Q4 24 | $0.40 | $0.31 | ||
| Q3 24 | $0.20 | $0.30 | ||
| Q2 24 | $0.25 | $0.34 | ||
| Q1 24 | $0.29 | $0.32 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $465.9M | $2.5B |
| Total DebtLower is stronger | $518.6M | $1.9B |
| Stockholders' EquityBook value | $1.1B | $6.8B |
| Total Assets | $2.0B | $50.2B |
| Debt / EquityLower = less leverage | 0.48× | 0.28× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $465.9M | $2.5B | ||
| Q3 25 | $469.5M | $2.4B | ||
| Q2 25 | $472.1M | $2.4B | ||
| Q1 25 | $505.2M | $2.4B | ||
| Q4 24 | $174.5M | $2.4B | ||
| Q3 24 | $170.5M | $2.1B | ||
| Q2 24 | $218.0M | $1.9B | ||
| Q1 24 | $229.1M | $1.5B |
| Q4 25 | $518.6M | $1.9B | ||
| Q3 25 | $518.1M | $2.1B | ||
| Q2 25 | $517.6M | $2.7B | ||
| Q1 25 | $620.5M | $2.5B | ||
| Q4 24 | $327.7M | $3.0B | ||
| Q3 24 | $327.3M | $2.5B | ||
| Q2 24 | $361.3M | $2.0B | ||
| Q1 24 | $360.9M | $2.1B |
| Q4 25 | $1.1B | $6.8B | ||
| Q3 25 | $1.0B | $6.6B | ||
| Q2 25 | $990.1M | $6.5B | ||
| Q1 25 | $851.6M | $6.4B | ||
| Q4 24 | $823.9M | $6.3B | ||
| Q3 24 | $804.6M | $6.2B | ||
| Q2 24 | $801.5M | $6.1B | ||
| Q1 24 | $800.4M | $6.0B |
| Q4 25 | $2.0B | $50.2B | ||
| Q3 25 | $2.0B | $49.9B | ||
| Q2 25 | $1.9B | $49.7B | ||
| Q1 25 | $1.8B | $49.0B | ||
| Q4 24 | $1.5B | $48.6B | ||
| Q3 24 | $1.5B | $48.0B | ||
| Q2 24 | $1.5B | $47.7B | ||
| Q1 24 | $1.5B | $45.9B |
| Q4 25 | 0.48× | 0.28× | ||
| Q3 25 | 0.51× | 0.32× | ||
| Q2 25 | 0.52× | 0.41× | ||
| Q1 25 | 0.73× | 0.39× | ||
| Q4 24 | 0.40× | 0.48× | ||
| Q3 24 | 0.41× | 0.40× | ||
| Q2 24 | 0.45× | 0.33× | ||
| Q1 24 | 0.45× | 0.35× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $39.1M | $128.0M |
| Free Cash FlowOCF − Capex | $31.7M | $99.0M |
| FCF MarginFCF / Revenue | 8.3% | 27.0% |
| Capex IntensityCapex / Revenue | 2.0% | 7.9% |
| Cash ConversionOCF / Net Profit | 0.88× | 0.76× |
| TTM Free Cash FlowTrailing 4 quarters | $121.7M | $376.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.1M | $128.0M | ||
| Q3 25 | $51.3M | $167.0M | ||
| Q2 25 | $34.8M | $123.0M | ||
| Q1 25 | $36.9M | $64.0M | ||
| Q4 24 | $26.0M | $326.0M | ||
| Q3 24 | $43.3M | $-14.0M | ||
| Q2 24 | $33.7M | $85.0M | ||
| Q1 24 | $15.1M | $245.0M |
| Q4 25 | $31.7M | $99.0M | ||
| Q3 25 | $35.7M | $149.0M | ||
| Q2 25 | $25.7M | $85.0M | ||
| Q1 25 | $28.6M | $43.0M | ||
| Q4 24 | $20.4M | $278.0M | ||
| Q3 24 | $24.4M | $-46.0M | ||
| Q2 24 | $30.5M | $55.0M | ||
| Q1 24 | $8.6M | $216.0M |
| Q4 25 | 8.3% | 27.0% | ||
| Q3 25 | 10.6% | 41.5% | ||
| Q2 25 | 8.3% | 24.4% | ||
| Q1 25 | 9.3% | 13.3% | ||
| Q4 24 | 6.4% | 86.3% | ||
| Q3 24 | 8.3% | -14.2% | ||
| Q2 24 | 10.8% | 17.4% | ||
| Q1 24 | 3.0% | 67.7% |
| Q4 25 | 2.0% | 7.9% | ||
| Q3 25 | 4.6% | 5.0% | ||
| Q2 25 | 2.9% | 10.9% | ||
| Q1 25 | 2.7% | 6.5% | ||
| Q4 24 | 1.8% | 14.9% | ||
| Q3 24 | 6.4% | 9.9% | ||
| Q2 24 | 1.1% | 9.5% | ||
| Q1 24 | 2.3% | 9.1% |
| Q4 25 | 0.88× | 0.76× | ||
| Q3 25 | 1.92× | 1.11× | ||
| Q2 25 | 1.31× | 0.95× | ||
| Q1 25 | 1.45× | 0.55× | ||
| Q4 24 | 0.84× | 2.96× | ||
| Q3 24 | 2.85× | -0.13× | ||
| Q2 24 | 1.88× | 0.69× | ||
| Q1 24 | 0.70× | 2.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
EZPW
| Merchandise | $210.1M | 55% |
| Pawn Service | $131.9M | 35% |
| Jewelry Scrap | $39.9M | 10% |
FNB
Segment breakdown not available.
