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Side-by-side financial comparison of EZCORP INC (EZPW) and Installed Building Products, Inc. (IBP). Click either name above to swap in a different company.
Installed Building Products, Inc. is the larger business by last-quarter revenue ($747.5M vs $382.0M, roughly 2.0× EZCORP INC). EZCORP INC runs the higher net margin — 11.6% vs 10.2%, a 1.3% gap on every dollar of revenue. On growth, EZCORP INC posted the faster year-over-year revenue change (19.3% vs -0.4%). Installed Building Products, Inc. produced more free cash flow last quarter ($49.3M vs $31.7M). Over the past eight quarters, EZCORP INC's revenue compounded faster (15.6% CAGR vs 3.9%).
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.
Installed Building Products, Inc. is a leading US-based provider of professional installation services for building products. Core offerings include insulation, gutters, garage doors, fire protection systems and window treatments, serving residential new construction, repair & remodel, and commercial construction segments across most US regions.
EZPW vs IBP — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $382.0M | $747.5M |
| Net Profit | $44.3M | $76.6M |
| Gross Margin | 58.4% | 35.0% |
| Operating Margin | 15.9% | 14.6% |
| Net Margin | 11.6% | 10.2% |
| Revenue YoY | 19.3% | -0.4% |
| Net Profit YoY | 42.8% | 14.5% |
| EPS (diluted) | $0.55 | $2.81 |
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 | $747.5M | ||
| Q3 25 | $336.8M | $778.2M | ||
| Q2 25 | $311.0M | $760.3M | ||
| Q1 25 | $306.3M | $684.8M | ||
| Q4 24 | $320.2M | $750.2M | ||
| Q3 24 | $294.6M | $760.6M | ||
| Q2 24 | $281.4M | $737.6M | ||
| Q1 24 | $285.6M | $692.9M |
| Q4 25 | $44.3M | $76.6M | ||
| Q3 25 | $26.7M | $74.4M | ||
| Q2 25 | $26.5M | $69.0M | ||
| Q1 25 | $25.4M | $45.4M | ||
| Q4 24 | $31.0M | $66.9M | ||
| Q3 24 | $15.2M | $68.6M | ||
| Q2 24 | $17.9M | $65.2M | ||
| Q1 24 | $21.5M | $55.9M |
| Q4 25 | 58.4% | 35.0% | ||
| Q3 25 | 59.0% | 34.0% | ||
| Q2 25 | 59.1% | 34.2% | ||
| Q1 25 | 58.3% | 32.7% | ||
| Q4 24 | 57.9% | 33.6% | ||
| Q3 24 | 59.5% | 33.8% | ||
| Q2 24 | 59.2% | 34.1% | ||
| Q1 24 | 58.7% | 33.8% |
| Q4 25 | 15.9% | 14.6% | ||
| Q3 25 | 11.0% | 13.7% | ||
| Q2 25 | 11.6% | 13.3% | ||
| Q1 25 | 11.2% | 10.2% | ||
| Q4 24 | 13.1% | 13.1% | ||
| Q3 24 | 8.8% | 13.3% | ||
| Q2 24 | 7.9% | 12.9% | ||
| Q1 24 | 9.6% | 12.7% |
| Q4 25 | 11.6% | 10.2% | ||
| Q3 25 | 7.9% | 9.6% | ||
| Q2 25 | 8.5% | 9.1% | ||
| Q1 25 | 8.3% | 6.6% | ||
| Q4 24 | 9.7% | 8.9% | ||
| Q3 24 | 5.2% | 9.0% | ||
| Q2 24 | 6.4% | 8.8% | ||
| Q1 24 | 7.5% | 8.1% |
| Q4 25 | $0.55 | $2.81 | ||
| Q3 25 | $0.35 | $2.74 | ||
| Q2 25 | $0.34 | $2.52 | ||
| Q1 25 | $0.33 | $1.64 | ||
| Q4 24 | $0.40 | $2.39 | ||
| Q3 24 | $0.20 | $2.44 | ||
| Q2 24 | $0.25 | $2.30 | ||
| Q1 24 | $0.29 | $1.97 |
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 | $321.9M |
| Total DebtLower is stronger | $518.6M | $886.6M |
| Stockholders' EquityBook value | $1.1B | $709.9M |
| Total Assets | $2.0B | $2.1B |
| Debt / EquityLower = less leverage | 0.48× | 1.25× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $465.9M | $321.9M | ||
| Q3 25 | $469.5M | $333.3M | ||
| Q2 25 | $472.1M | $305.2M | ||
| Q1 25 | $505.2M | $298.7M | ||
| Q4 24 | $174.5M | $327.6M | ||
| Q3 24 | $170.5M | $406.2M | ||
| Q2 24 | $218.0M | $380.3M | ||
| Q1 24 | $229.1M | $399.9M |
| Q4 25 | $518.6M | $886.6M | ||
| Q3 25 | $518.1M | $880.8M | ||
| Q2 25 | $517.6M | $876.1M | ||
| Q1 25 | $620.5M | $872.4M | ||
| Q4 24 | $327.7M | $874.8M | ||
| Q3 24 | $327.3M | $872.3M | ||
| Q2 24 | $361.3M | $875.8M | ||
| Q1 24 | $360.9M | $875.0M |
| Q4 25 | $1.1B | $709.9M | ||
| Q3 25 | $1.0B | $678.6M | ||
| Q2 25 | $990.1M | $664.5M | ||
| Q1 25 | $851.6M | $660.9M | ||
| Q4 24 | $823.9M | $705.3M | ||
| Q3 24 | $804.6M | $716.4M | ||
| Q2 24 | $801.5M | $685.3M | ||
| Q1 24 | $800.4M | $679.2M |
| Q4 25 | $2.0B | $2.1B | ||
| Q3 25 | $2.0B | $2.1B | ||
| Q2 25 | $1.9B | $2.0B | ||
| Q1 25 | $1.8B | $2.0B | ||
| Q4 24 | $1.5B | $2.1B | ||
| Q3 24 | $1.5B | $2.1B | ||
| Q2 24 | $1.5B | $2.0B | ||
| Q1 24 | $1.5B | $2.0B |
| Q4 25 | 0.48× | 1.25× | ||
| Q3 25 | 0.51× | 1.30× | ||
| Q2 25 | 0.52× | 1.32× | ||
| Q1 25 | 0.73× | 1.32× | ||
| Q4 24 | 0.40× | 1.24× | ||
| Q3 24 | 0.41× | 1.22× | ||
| Q2 24 | 0.45× | 1.28× | ||
| Q1 24 | 0.45× | 1.29× |
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 | $64.9M |
| Free Cash FlowOCF − Capex | $31.7M | $49.3M |
| FCF MarginFCF / Revenue | 8.3% | 6.6% |
| Capex IntensityCapex / Revenue | 2.0% | 2.1% |
| Cash ConversionOCF / Net Profit | 0.88× | 0.85× |
| TTM Free Cash FlowTrailing 4 quarters | $121.7M | $300.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.1M | $64.9M | ||
| Q3 25 | $51.3M | $124.0M | ||
| Q2 25 | $34.8M | $90.4M | ||
| Q1 25 | $36.9M | $92.1M | ||
| Q4 24 | $26.0M | $74.8M | ||
| Q3 24 | $43.3M | $101.4M | ||
| Q2 24 | $33.7M | $79.0M | ||
| Q1 24 | $15.1M | $84.8M |
| Q4 25 | $31.7M | $49.3M | ||
| Q3 25 | $35.7M | $104.8M | ||
| Q2 25 | $25.7M | $74.8M | ||
| Q1 25 | $28.6M | $71.9M | ||
| Q4 24 | $20.4M | $52.9M | ||
| Q3 24 | $24.4M | $77.3M | ||
| Q2 24 | $30.5M | $58.2M | ||
| Q1 24 | $8.6M | $63.0M |
| Q4 25 | 8.3% | 6.6% | ||
| Q3 25 | 10.6% | 13.5% | ||
| Q2 25 | 8.3% | 9.8% | ||
| Q1 25 | 9.3% | 10.5% | ||
| Q4 24 | 6.4% | 7.1% | ||
| Q3 24 | 8.3% | 10.2% | ||
| Q2 24 | 10.8% | 7.9% | ||
| Q1 24 | 3.0% | 9.1% |
| Q4 25 | 2.0% | 2.1% | ||
| Q3 25 | 4.6% | 2.5% | ||
| Q2 25 | 2.9% | 2.1% | ||
| Q1 25 | 2.7% | 2.9% | ||
| Q4 24 | 1.8% | 2.9% | ||
| Q3 24 | 6.4% | 3.2% | ||
| Q2 24 | 1.1% | 2.8% | ||
| Q1 24 | 2.3% | 3.1% |
| Q4 25 | 0.88× | 0.85× | ||
| Q3 25 | 1.92× | 1.67× | ||
| Q2 25 | 1.31× | 1.31× | ||
| Q1 25 | 1.45× | 2.03× | ||
| Q4 24 | 0.84× | 1.12× | ||
| Q3 24 | 2.85× | 1.48× | ||
| Q2 24 | 1.88× | 1.21× | ||
| Q1 24 | 0.70× | 1.52× |
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% |
IBP
| Residential New Construction | $488.6M | 65% |
| Other Customer Installation | $67.8M | 9% |
| Shower Doors Shelving And Mirrors | $53.5M | 7% |
| Other Building Products | $47.7M | 6% |
| Fireproofing And Firestopping | $37.6M | 5% |
| Rain Gutters | $31.3M | 4% |
| Window Blinds | $18.0M | 2% |
| Related Party | $6.7M | 1% |
