vs
Side-by-side financial comparison of EZCORP INC (EZPW) and iRhythm Holdings, Inc. (IRTC). Click either name above to swap in a different company.
EZCORP INC is the larger business by last-quarter revenue ($382.0M vs $208.9M, roughly 1.8× iRhythm Holdings, Inc.). EZCORP INC runs the higher net margin — 11.6% vs 2.7%, a 8.9% gap on every dollar of revenue. On growth, iRhythm Holdings, Inc. posted the faster year-over-year revenue change (27.1% vs 19.3%). EZCORP INC produced more free cash flow last quarter ($31.7M vs $14.5M). Over the past eight quarters, iRhythm Holdings, Inc.'s revenue compounded faster (25.8% CAGR vs 15.6%).
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.
iRhythm Holdings is a digital healthcare company focused on cardiac care, developing and commercializing wearable ambulatory heart monitoring devices paired with AI-powered analytical tools. It primarily serves healthcare providers and patients across the United States, helping to detect undiagnosed arrhythmias such as atrial fibrillation through convenient long-term heart rhythm tracking that delivers actionable clinical insights.
EZPW vs IRTC — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $382.0M | $208.9M |
| Net Profit | $44.3M | $5.6M |
| Gross Margin | 58.4% | 70.9% |
| Operating Margin | 15.9% | 1.1% |
| Net Margin | 11.6% | 2.7% |
| Revenue YoY | 19.3% | 27.1% |
| Net Profit YoY | 42.8% | 518.5% |
| EPS (diluted) | $0.55 | $0.18 |
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 | $208.9M | ||
| Q3 25 | $336.8M | $192.9M | ||
| Q2 25 | $311.0M | $186.7M | ||
| Q1 25 | $306.3M | $158.7M | ||
| Q4 24 | $320.2M | $164.3M | ||
| Q3 24 | $294.6M | $147.5M | ||
| Q2 24 | $281.4M | $148.0M | ||
| Q1 24 | $285.6M | $131.9M |
| Q4 25 | $44.3M | $5.6M | ||
| Q3 25 | $26.7M | $-5.2M | ||
| Q2 25 | $26.5M | $-14.2M | ||
| Q1 25 | $25.4M | $-30.7M | ||
| Q4 24 | $31.0M | $-1.3M | ||
| Q3 24 | $15.2M | $-46.2M | ||
| Q2 24 | $17.9M | $-20.1M | ||
| Q1 24 | $21.5M | $-45.7M |
| Q4 25 | 58.4% | 70.9% | ||
| Q3 25 | 59.0% | 71.1% | ||
| Q2 25 | 59.1% | 71.2% | ||
| Q1 25 | 58.3% | 68.8% | ||
| Q4 24 | 57.9% | 70.0% | ||
| Q3 24 | 59.5% | 68.8% | ||
| Q2 24 | 59.2% | 69.9% | ||
| Q1 24 | 58.7% | 66.3% |
| Q4 25 | 15.9% | 1.1% | ||
| Q3 25 | 11.0% | -4.4% | ||
| Q2 25 | 11.6% | -10.0% | ||
| Q1 25 | 11.2% | -20.5% | ||
| Q4 24 | 13.1% | -2.5% | ||
| Q3 24 | 8.8% | -34.1% | ||
| Q2 24 | 7.9% | -15.5% | ||
| Q1 24 | 9.6% | -28.9% |
| Q4 25 | 11.6% | 2.7% | ||
| Q3 25 | 7.9% | -2.7% | ||
| Q2 25 | 8.5% | -7.6% | ||
| Q1 25 | 8.3% | -19.3% | ||
| Q4 24 | 9.7% | -0.8% | ||
| Q3 24 | 5.2% | -31.3% | ||
| Q2 24 | 6.4% | -13.6% | ||
| Q1 24 | 7.5% | -34.6% |
| Q4 25 | $0.55 | $0.18 | ||
| Q3 25 | $0.35 | $-0.16 | ||
| Q2 25 | $0.34 | $-0.44 | ||
| Q1 25 | $0.33 | $-0.97 | ||
| Q4 24 | $0.40 | $-0.03 | ||
| Q3 24 | $0.20 | $-1.48 | ||
| Q2 24 | $0.25 | $-0.65 | ||
| Q1 24 | $0.29 | $-1.47 |
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 | $583.8M |
| Total DebtLower is stronger | $518.6M | — |
| Stockholders' EquityBook value | $1.1B | $152.7M |
| Total Assets | $2.0B | $1.0B |
| Debt / EquityLower = less leverage | 0.48× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $465.9M | $583.8M | ||
| Q3 25 | $469.5M | $565.2M | ||
| Q2 25 | $472.1M | $545.5M | ||
| Q1 25 | $505.2M | $520.6M | ||
| Q4 24 | $174.5M | $535.6M | ||
| Q3 24 | $170.5M | $522.0M | ||
| Q2 24 | $218.0M | $561.5M | ||
| Q1 24 | $229.1M | $569.1M |
| Q4 25 | $518.6M | — | ||
| Q3 25 | $518.1M | — | ||
| Q2 25 | $517.6M | — | ||
| Q1 25 | $620.5M | — | ||
| Q4 24 | $327.7M | — | ||
| Q3 24 | $327.3M | — | ||
| Q2 24 | $361.3M | — | ||
| Q1 24 | $360.9M | — |
| Q4 25 | $1.1B | $152.7M | ||
| Q3 25 | $1.0B | $121.9M | ||
| Q2 25 | $990.1M | $103.7M | ||
| Q1 25 | $851.6M | $86.7M | ||
| Q4 24 | $823.9M | $90.9M | ||
| Q3 24 | $804.6M | $71.8M | ||
| Q2 24 | $801.5M | $99.2M | ||
| Q1 24 | $800.4M | $90.3M |
| Q4 25 | $2.0B | $1.0B | ||
| Q3 25 | $2.0B | $995.2M | ||
| Q2 25 | $1.9B | $964.0M | ||
| Q1 25 | $1.8B | $926.1M | ||
| Q4 24 | $1.5B | $931.4M | ||
| Q3 24 | $1.5B | $909.7M | ||
| Q2 24 | $1.5B | $919.2M | ||
| Q1 24 | $1.5B | $909.8M |
| Q4 25 | 0.48× | — | ||
| Q3 25 | 0.51× | — | ||
| Q2 25 | 0.52× | — | ||
| Q1 25 | 0.73× | — | ||
| Q4 24 | 0.40× | — | ||
| Q3 24 | 0.41× | — | ||
| Q2 24 | 0.45× | — | ||
| Q1 24 | 0.45× | — |
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 | $26.2M |
| Free Cash FlowOCF − Capex | $31.7M | $14.5M |
| FCF MarginFCF / Revenue | 8.3% | 6.9% |
| Capex IntensityCapex / Revenue | 2.0% | 5.6% |
| Cash ConversionOCF / Net Profit | 0.88× | 4.70× |
| TTM Free Cash FlowTrailing 4 quarters | $121.7M | $34.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.1M | $26.2M | ||
| Q3 25 | $51.3M | $34.9M | ||
| Q2 25 | $34.8M | $27.7M | ||
| Q1 25 | $36.9M | $-7.9M | ||
| Q4 24 | $26.0M | $19.2M | ||
| Q3 24 | $43.3M | $24.3M | ||
| Q2 24 | $33.7M | $11.8M | ||
| Q1 24 | $15.1M | $-52.0M |
| Q4 25 | $31.7M | $14.5M | ||
| Q3 25 | $35.7M | $20.1M | ||
| Q2 25 | $25.7M | $17.3M | ||
| Q1 25 | $28.6M | $-17.3M | ||
| Q4 24 | $20.4M | $12.4M | ||
| Q3 24 | $24.4M | $15.5M | ||
| Q2 24 | $30.5M | $3.4M | ||
| Q1 24 | $8.6M | $-61.8M |
| Q4 25 | 8.3% | 6.9% | ||
| Q3 25 | 10.6% | 10.4% | ||
| Q2 25 | 8.3% | 9.3% | ||
| Q1 25 | 9.3% | -10.9% | ||
| Q4 24 | 6.4% | 7.5% | ||
| Q3 24 | 8.3% | 10.5% | ||
| Q2 24 | 10.8% | 2.3% | ||
| Q1 24 | 3.0% | -46.8% |
| Q4 25 | 2.0% | 5.6% | ||
| Q3 25 | 4.6% | 7.7% | ||
| Q2 25 | 2.9% | 5.6% | ||
| Q1 25 | 2.7% | 5.9% | ||
| Q4 24 | 1.8% | 4.2% | ||
| Q3 24 | 6.4% | 6.0% | ||
| Q2 24 | 1.1% | 5.7% | ||
| Q1 24 | 2.3% | 7.4% |
| Q4 25 | 0.88× | 4.70× | ||
| Q3 25 | 1.92× | — | ||
| Q2 25 | 1.31× | — | ||
| Q1 25 | 1.45× | — | ||
| Q4 24 | 0.84× | — | ||
| Q3 24 | 2.85× | — | ||
| Q2 24 | 1.88× | — | ||
| Q1 24 | 0.70× | — |
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% |
IRTC
| Commercial Payors | $111.7M | 53% |
| Centers For Medicare And Medicaid | $49.2M | 24% |
| Healthcare Institutions | $34.3M | 16% |
| Non Contracted Third Party Payors | $13.7M | 7% |
