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Side-by-side financial comparison of EZCORP INC (EZPW) and Mid-America Apartment Communities (MAA). Click either name above to swap in a different company.
Mid-America Apartment Communities is the larger business by last-quarter revenue ($555.6M vs $382.0M, roughly 1.5× EZCORP INC). EZCORP INC runs the higher net margin — 11.6% vs 10.4%, a 1.2% gap on every dollar of revenue. On growth, EZCORP INC posted the faster year-over-year revenue change (19.3% vs 1.0%). Mid-America Apartment Communities produced more free cash flow last quarter ($158.6M vs $31.7M). Over the past eight quarters, EZCORP INC's revenue compounded faster (15.6% CAGR vs 1.1%).
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.
Mid-America Apartment Communities, Inc. (MAA) is a publicly traded real estate investment trust based in Memphis, Tennessee that invests in apartments in the Southeastern United States and the Southwestern United States.
EZPW vs MAA — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $382.0M | $555.6M |
| Net Profit | $44.3M | $57.6M |
| Gross Margin | 58.4% | — |
| Operating Margin | 15.9% | 10.4% |
| Net Margin | 11.6% | 10.4% |
| Revenue YoY | 19.3% | 1.0% |
| Net Profit YoY | 42.8% | -65.5% |
| EPS (diluted) | $0.55 | $0.48 |
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 | $555.6M | ||
| Q3 25 | $336.8M | $554.4M | ||
| Q2 25 | $311.0M | $549.9M | ||
| Q1 25 | $306.3M | $549.3M | ||
| Q4 24 | $320.2M | $549.8M | ||
| Q3 24 | $294.6M | $551.1M | ||
| Q2 24 | $281.4M | $546.4M | ||
| Q1 24 | $285.6M | $543.6M |
| Q4 25 | $44.3M | $57.6M | ||
| Q3 25 | $26.7M | $99.5M | ||
| Q2 25 | $26.5M | $108.1M | ||
| Q1 25 | $25.4M | $181.7M | ||
| Q4 24 | $31.0M | $166.6M | ||
| Q3 24 | $15.2M | $115.2M | ||
| Q2 24 | $17.9M | $102.0M | ||
| Q1 24 | $21.5M | $143.7M |
| 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% | 10.4% | ||
| Q3 25 | 11.0% | 18.7% | ||
| Q2 25 | 11.6% | 20.2% | ||
| Q1 25 | 11.2% | 34.0% | ||
| Q4 24 | 13.1% | 31.3% | ||
| Q3 24 | 8.8% | 21.5% | ||
| Q2 24 | 7.9% | 19.3% | ||
| Q1 24 | 9.6% | 27.4% |
| Q4 25 | 11.6% | 10.4% | ||
| Q3 25 | 7.9% | 18.0% | ||
| Q2 25 | 8.5% | 19.7% | ||
| Q1 25 | 8.3% | 33.1% | ||
| Q4 24 | 9.7% | 30.3% | ||
| Q3 24 | 5.2% | 20.9% | ||
| Q2 24 | 6.4% | 18.7% | ||
| Q1 24 | 7.5% | 26.4% |
| Q4 25 | $0.55 | $0.48 | ||
| Q3 25 | $0.35 | $0.84 | ||
| Q2 25 | $0.34 | $0.92 | ||
| Q1 25 | $0.33 | $1.54 | ||
| Q4 24 | $0.40 | $1.43 | ||
| Q3 24 | $0.20 | $0.98 | ||
| Q2 24 | $0.25 | $0.86 | ||
| Q1 24 | $0.29 | $1.22 |
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 | $60.3M |
| Total DebtLower is stronger | $518.6M | — |
| Stockholders' EquityBook value | $1.1B | $5.7B |
| Total Assets | $2.0B | $12.0B |
| Debt / EquityLower = less leverage | 0.48× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $465.9M | $60.3M | ||
| Q3 25 | $469.5M | $32.2M | ||
| Q2 25 | $472.1M | $54.5M | ||
| Q1 25 | $505.2M | $55.8M | ||
| Q4 24 | $174.5M | $43.0M | ||
| Q3 24 | $170.5M | $50.2M | ||
| Q2 24 | $218.0M | $62.8M | ||
| Q1 24 | $229.1M | $54.6M |
| 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 | $5.7B | ||
| Q3 25 | $1.0B | $5.8B | ||
| Q2 25 | $990.1M | $5.9B | ||
| Q1 25 | $851.6M | $5.9B | ||
| Q4 24 | $823.9M | $5.9B | ||
| Q3 24 | $804.6M | $5.9B | ||
| Q2 24 | $801.5M | $6.0B | ||
| Q1 24 | $800.4M | $6.1B |
| Q4 25 | $2.0B | $12.0B | ||
| Q3 25 | $2.0B | $11.9B | ||
| Q2 25 | $1.9B | $11.8B | ||
| Q1 25 | $1.8B | $11.8B | ||
| Q4 24 | $1.5B | $11.8B | ||
| Q3 24 | $1.5B | $11.8B | ||
| Q2 24 | $1.5B | $11.6B | ||
| Q1 24 | $1.5B | $11.5B |
| 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 | $261.7M |
| Free Cash FlowOCF − Capex | $31.7M | $158.6M |
| FCF MarginFCF / Revenue | 8.3% | 28.5% |
| Capex IntensityCapex / Revenue | 2.0% | 18.6% |
| Cash ConversionOCF / Net Profit | 0.88× | 4.55× |
| TTM Free Cash FlowTrailing 4 quarters | $121.7M | $717.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.1M | $261.7M | ||
| Q3 25 | $51.3M | $266.4M | ||
| Q2 25 | $34.8M | $353.4M | ||
| Q1 25 | $36.9M | $196.6M | ||
| Q4 24 | $26.0M | $239.1M | ||
| Q3 24 | $43.3M | $309.5M | ||
| Q2 24 | $33.7M | $349.4M | ||
| Q1 24 | $15.1M | $200.3M |
| Q4 25 | $31.7M | $158.6M | ||
| Q3 25 | $35.7M | $170.8M | ||
| Q2 25 | $25.7M | $264.5M | ||
| Q1 25 | $28.6M | $124.0M | ||
| Q4 24 | $20.4M | $152.6M | ||
| Q3 24 | $24.4M | $215.5M | ||
| Q2 24 | $30.5M | $259.7M | ||
| Q1 24 | $8.6M | $148.2M |
| Q4 25 | 8.3% | 28.5% | ||
| Q3 25 | 10.6% | 30.8% | ||
| Q2 25 | 8.3% | 48.1% | ||
| Q1 25 | 9.3% | 22.6% | ||
| Q4 24 | 6.4% | 27.8% | ||
| Q3 24 | 8.3% | 39.1% | ||
| Q2 24 | 10.8% | 47.5% | ||
| Q1 24 | 3.0% | 27.3% |
| Q4 25 | 2.0% | 18.6% | ||
| Q3 25 | 4.6% | 17.2% | ||
| Q2 25 | 2.9% | 16.2% | ||
| Q1 25 | 2.7% | 13.2% | ||
| Q4 24 | 1.8% | 15.7% | ||
| Q3 24 | 6.4% | 17.1% | ||
| Q2 24 | 1.1% | 16.4% | ||
| Q1 24 | 2.3% | 9.6% |
| Q4 25 | 0.88× | 4.55× | ||
| Q3 25 | 1.92× | 2.68× | ||
| Q2 25 | 1.31× | 3.27× | ||
| Q1 25 | 1.45× | 1.08× | ||
| Q4 24 | 0.84× | 1.43× | ||
| Q3 24 | 2.85× | 2.69× | ||
| Q2 24 | 1.88× | 3.43× | ||
| Q1 24 | 0.70× | 1.39× |
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% |
MAA
| Same Store | $515.5M | 93% |
| Non Same Store And Other | $36.8M | 7% |
