vs
Side-by-side financial comparison of EZCORP INC (EZPW) and MGIC INVESTMENT CORP (MTG). Click either name above to swap in a different company.
EZCORP INC is the larger business by last-quarter revenue ($382.0M vs $297.1M, roughly 1.3× MGIC INVESTMENT CORP). MGIC INVESTMENT CORP runs the higher net margin — 55.6% vs 11.6%, a 44.0% gap on every dollar of revenue. On growth, EZCORP INC posted the faster year-over-year revenue change (19.3% vs -3.0%). Over the past eight quarters, EZCORP INC's revenue compounded faster (15.6% CAGR vs -1.4%).
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.
MGIC Investment Corporation NYSE: MTG ("MGIC") is a provider of private mortgage insurance in the United States. The company is headquartered in Milwaukee, Wisconsin.
EZPW vs MTG — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $382.0M | $297.1M |
| Net Profit | $44.3M | $165.3M |
| Gross Margin | 58.4% | — |
| Operating Margin | 15.9% | — |
| Net Margin | 11.6% | 55.6% |
| Revenue YoY | 19.3% | -3.0% |
| Net Profit YoY | 42.8% | -10.9% |
| EPS (diluted) | $0.55 | $0.76 |
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.
| Q1 26 | — | $297.1M | ||
| Q4 25 | $382.0M | $298.7M | ||
| Q3 25 | $336.8M | $304.5M | ||
| Q2 25 | $311.0M | $304.2M | ||
| Q1 25 | $306.3M | $306.2M | ||
| Q4 24 | $320.2M | $301.4M | ||
| Q3 24 | $294.6M | $306.6M | ||
| Q2 24 | $281.4M | $305.3M |
| Q1 26 | — | $165.3M | ||
| Q4 25 | $44.3M | $169.3M | ||
| Q3 25 | $26.7M | $191.1M | ||
| Q2 25 | $26.5M | $192.5M | ||
| Q1 25 | $25.4M | $185.5M | ||
| Q4 24 | $31.0M | $184.7M | ||
| Q3 24 | $15.2M | $200.0M | ||
| Q2 24 | $17.9M | $204.2M |
| Q1 26 | — | — | ||
| 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 26 | — | — | ||
| Q4 25 | 15.9% | 71.2% | ||
| Q3 25 | 11.0% | 77.2% | ||
| Q2 25 | 11.6% | 80.9% | ||
| Q1 25 | 11.2% | 76.6% | ||
| Q4 24 | 13.1% | 77.9% | ||
| Q3 24 | 8.8% | 82.9% | ||
| Q2 24 | 7.9% | 85.1% |
| Q1 26 | — | 55.6% | ||
| Q4 25 | 11.6% | 56.7% | ||
| Q3 25 | 7.9% | 62.8% | ||
| Q2 25 | 8.5% | 63.3% | ||
| Q1 25 | 8.3% | 60.6% | ||
| Q4 24 | 9.7% | 61.3% | ||
| Q3 24 | 5.2% | 65.2% | ||
| Q2 24 | 6.4% | 66.9% |
| Q1 26 | — | $0.76 | ||
| Q4 25 | $0.55 | $0.75 | ||
| Q3 25 | $0.35 | $0.83 | ||
| Q2 25 | $0.34 | $0.81 | ||
| Q1 25 | $0.33 | $0.75 | ||
| Q4 24 | $0.40 | $0.71 | ||
| Q3 24 | $0.20 | $0.77 | ||
| Q2 24 | $0.25 | $0.77 |
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 | $235.1M |
| Total DebtLower is stronger | $518.6M | — |
| Stockholders' EquityBook value | $1.1B | $5.0B |
| Total Assets | $2.0B | $6.4B |
| Debt / EquityLower = less leverage | 0.48× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $235.1M | ||
| Q4 25 | $465.9M | $369.0M | ||
| Q3 25 | $469.5M | $266.9M | ||
| Q2 25 | $472.1M | $294.9M | ||
| Q1 25 | $505.2M | $207.0M | ||
| Q4 24 | $174.5M | $229.5M | ||
| Q3 24 | $170.5M | $288.6M | ||
| Q2 24 | $218.0M | $281.8M |
| Q1 26 | — | — | ||
| 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 26 | — | $5.0B | ||
| Q4 25 | $1.1B | $5.1B | ||
| Q3 25 | $1.0B | $5.2B | ||
| Q2 25 | $990.1M | $5.2B | ||
| Q1 25 | $851.6M | $5.1B | ||
| Q4 24 | $823.9M | $5.2B | ||
| Q3 24 | $804.6M | $5.3B | ||
| Q2 24 | $801.5M | $5.1B |
| Q1 26 | — | $6.4B | ||
| Q4 25 | $2.0B | $6.6B | ||
| Q3 25 | $2.0B | $6.6B | ||
| Q2 25 | $1.9B | $6.5B | ||
| Q1 25 | $1.8B | $6.5B | ||
| Q4 24 | $1.5B | $6.5B | ||
| Q3 24 | $1.5B | $6.7B | ||
| Q2 24 | $1.5B | $6.5B |
| Q1 26 | — | — | ||
| 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× | — |
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 | — |
| Free Cash FlowOCF − Capex | $31.7M | — |
| FCF MarginFCF / Revenue | 8.3% | — |
| Capex IntensityCapex / Revenue | 2.0% | — |
| Cash ConversionOCF / Net Profit | 0.88× | — |
| TTM Free Cash FlowTrailing 4 quarters | $121.7M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $39.1M | $230.8M | ||
| Q3 25 | $51.3M | $215.4M | ||
| Q2 25 | $34.8M | $183.0M | ||
| Q1 25 | $36.9M | $223.7M | ||
| Q4 24 | $26.0M | $182.4M | ||
| Q3 24 | $43.3M | $182.9M | ||
| Q2 24 | $33.7M | $169.2M |
| Q1 26 | — | — | ||
| Q4 25 | $31.7M | $230.2M | ||
| Q3 25 | $35.7M | $215.1M | ||
| Q2 25 | $25.7M | $183.0M | ||
| Q1 25 | $28.6M | $223.5M | ||
| Q4 24 | $20.4M | $181.9M | ||
| Q3 24 | $24.4M | $182.5M | ||
| Q2 24 | $30.5M | $169.0M |
| Q1 26 | — | — | ||
| Q4 25 | 8.3% | 77.1% | ||
| Q3 25 | 10.6% | 70.6% | ||
| Q2 25 | 8.3% | 60.1% | ||
| Q1 25 | 9.3% | 73.0% | ||
| Q4 24 | 6.4% | 60.3% | ||
| Q3 24 | 8.3% | 59.5% | ||
| Q2 24 | 10.8% | 55.3% |
| Q1 26 | — | — | ||
| Q4 25 | 2.0% | 0.2% | ||
| Q3 25 | 4.6% | 0.1% | ||
| Q2 25 | 2.9% | 0.0% | ||
| Q1 25 | 2.7% | 0.0% | ||
| Q4 24 | 1.8% | 0.2% | ||
| Q3 24 | 6.4% | 0.1% | ||
| Q2 24 | 1.1% | 0.1% |
| Q1 26 | — | — | ||
| Q4 25 | 0.88× | 1.36× | ||
| Q3 25 | 1.92× | 1.13× | ||
| Q2 25 | 1.31× | 0.95× | ||
| Q1 25 | 1.45× | 1.21× | ||
| Q4 24 | 0.84× | 0.99× | ||
| Q3 24 | 2.85× | 0.91× | ||
| Q2 24 | 1.88× | 0.83× |
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% |
MTG
Segment breakdown not available.
