vs
Side-by-side financial comparison of EZCORP INC (EZPW) and Oportun Financial Corp (OPRT). Click either name above to swap in a different company.
EZCORP INC is the larger business by last-quarter revenue ($382.0M vs $247.7M, roughly 1.5× Oportun Financial Corp). EZCORP INC runs the higher net margin — 11.6% vs 1.4%, a 10.2% gap on every dollar of revenue. On growth, EZCORP INC posted the faster year-over-year revenue change (19.3% vs -1.3%). Over the past eight quarters, EZCORP INC's revenue compounded faster (15.6% CAGR vs -0.5%).
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.
Oportun Financial Corp is a US-based fintech firm that provides accessible, responsible financial services including personal loans, credit cards, and savings products to underserved low-to-moderate income consumers, many with limited or no credit history, leveraging proprietary AI underwriting to deliver fair terms while mitigating operational risk.
EZPW vs OPRT — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $382.0M | $247.7M |
| Net Profit | $44.3M | $3.4M |
| Gross Margin | 58.4% | — |
| Operating Margin | 15.9% | 2.6% |
| Net Margin | 11.6% | 1.4% |
| Revenue YoY | 19.3% | -1.3% |
| Net Profit YoY | 42.8% | -61.0% |
| EPS (diluted) | $0.55 | $0.07 |
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 | $247.7M | ||
| Q3 25 | $336.8M | $238.7M | ||
| Q2 25 | $311.0M | $234.3M | ||
| Q1 25 | $306.3M | $235.9M | ||
| Q4 24 | $320.2M | $250.9M | ||
| Q3 24 | $294.6M | $250.0M | ||
| Q2 24 | $281.4M | $250.4M | ||
| Q1 24 | $285.6M | $250.5M |
| Q4 25 | $44.3M | $3.4M | ||
| Q3 25 | $26.7M | $5.2M | ||
| Q2 25 | $26.5M | $6.9M | ||
| Q1 25 | $25.4M | $9.8M | ||
| Q4 24 | $31.0M | $8.7M | ||
| Q3 24 | $15.2M | $-30.0M | ||
| Q2 24 | $17.9M | $-31.0M | ||
| Q1 24 | $21.5M | $-26.4M |
| 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% | 2.6% | ||
| Q3 25 | 11.0% | 6.0% | ||
| Q2 25 | 11.6% | 4.3% | ||
| Q1 25 | 11.2% | 5.6% | ||
| Q4 24 | 13.1% | 89.6% | ||
| Q3 24 | 8.8% | -15.8% | ||
| Q2 24 | 7.9% | -19.6% | ||
| Q1 24 | 9.6% | -12.2% |
| Q4 25 | 11.6% | 1.4% | ||
| Q3 25 | 7.9% | 2.2% | ||
| Q2 25 | 8.5% | 2.9% | ||
| Q1 25 | 8.3% | 4.1% | ||
| Q4 24 | 9.7% | 200.1% | ||
| Q3 24 | 5.2% | -12.0% | ||
| Q2 24 | 6.4% | -12.4% | ||
| Q1 24 | 7.5% | -10.6% |
| Q4 25 | $0.55 | $0.07 | ||
| Q3 25 | $0.35 | $0.11 | ||
| Q2 25 | $0.34 | $0.14 | ||
| Q1 25 | $0.33 | $0.21 | ||
| Q4 24 | $0.40 | $0.26 | ||
| Q3 24 | $0.20 | $-0.75 | ||
| Q2 24 | $0.25 | $-0.78 | ||
| Q1 24 | $0.29 | $-0.68 |
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 | $105.5M |
| Total DebtLower is stronger | $518.6M | — |
| Stockholders' EquityBook value | $1.1B | $390.1M |
| Total Assets | $2.0B | $3.3B |
| Debt / EquityLower = less leverage | 0.48× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $465.9M | $105.5M | ||
| Q3 25 | $469.5M | $104.6M | ||
| Q2 25 | $472.1M | $96.8M | ||
| Q1 25 | $505.2M | $78.5M | ||
| Q4 24 | $174.5M | $60.0M | ||
| Q3 24 | $170.5M | $71.8M | ||
| Q2 24 | $218.0M | $72.9M | ||
| Q1 24 | $229.1M | $69.2M |
| 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 | $390.1M | ||
| Q3 25 | $1.0B | $383.9M | ||
| Q2 25 | $990.1M | $376.0M | ||
| Q1 25 | $851.6M | $366.1M | ||
| Q4 24 | $823.9M | $353.8M | ||
| Q3 24 | $804.6M | $327.6M | ||
| Q2 24 | $801.5M | $354.1M | ||
| Q1 24 | $800.4M | $382.0M |
| Q4 25 | $2.0B | $3.3B | ||
| Q3 25 | $2.0B | $3.2B | ||
| Q2 25 | $1.9B | $3.2B | ||
| Q1 25 | $1.8B | $3.2B | ||
| Q4 24 | $1.5B | $3.2B | ||
| Q3 24 | $1.5B | $3.3B | ||
| Q2 24 | $1.5B | $3.3B | ||
| Q1 24 | $1.5B | $3.3B |
| 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 | $413.4M |
| Free Cash FlowOCF − Capex | $31.7M | — |
| FCF MarginFCF / Revenue | 8.3% | — |
| Capex IntensityCapex / Revenue | 2.0% | — |
| Cash ConversionOCF / Net Profit | 0.88× | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | $121.7M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.1M | $413.4M | ||
| Q3 25 | $51.3M | $99.0M | ||
| Q2 25 | $34.8M | $104.5M | ||
| Q1 25 | $36.9M | $101.0M | ||
| Q4 24 | $26.0M | $393.5M | ||
| Q3 24 | $43.3M | $108.5M | ||
| Q2 24 | $33.7M | $107.7M | ||
| Q1 24 | $15.1M | $85.9M |
| Q4 25 | $31.7M | — | ||
| Q3 25 | $35.7M | — | ||
| Q2 25 | $25.7M | — | ||
| Q1 25 | $28.6M | — | ||
| Q4 24 | $20.4M | — | ||
| Q3 24 | $24.4M | — | ||
| Q2 24 | $30.5M | — | ||
| Q1 24 | $8.6M | — |
| Q4 25 | 8.3% | — | ||
| Q3 25 | 10.6% | — | ||
| Q2 25 | 8.3% | — | ||
| Q1 25 | 9.3% | — | ||
| Q4 24 | 6.4% | — | ||
| Q3 24 | 8.3% | — | ||
| Q2 24 | 10.8% | — | ||
| Q1 24 | 3.0% | — |
| Q4 25 | 2.0% | — | ||
| Q3 25 | 4.6% | — | ||
| Q2 25 | 2.9% | — | ||
| Q1 25 | 2.7% | — | ||
| Q4 24 | 1.8% | — | ||
| Q3 24 | 6.4% | — | ||
| Q2 24 | 1.1% | — | ||
| Q1 24 | 2.3% | — |
| Q4 25 | 0.88× | 121.45× | ||
| Q3 25 | 1.92× | 19.05× | ||
| Q2 25 | 1.31× | 15.20× | ||
| Q1 25 | 1.45× | 10.34× | ||
| Q4 24 | 0.84× | 45.04× | ||
| 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% |
OPRT
Segment breakdown not available.
