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Side-by-side financial comparison of EZCORP INC (EZPW) and PROSPERITY BANCSHARES INC (PB). Click either name above to swap in a different company.
EZCORP INC is the larger business by last-quarter revenue ($382.0M vs $367.6M, roughly 1.0× PROSPERITY BANCSHARES INC). PROSPERITY BANCSHARES INC runs the higher net margin — 31.6% vs 11.6%, a 20.0% gap on every dollar of revenue. Over the past eight quarters, PROSPERITY BANCSHARES INC's revenue compounded faster (19.2% 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.
Prosperity Bancshares, Inc. is a bank holding company headquartered in Houston, Texas with operations in Texas and central Oklahoma. As of December 31, 2019, the company operated 285 branches: 65 in the Houston area, including The Woodlands, Texas; 30 in South Texas, including Corpus Christi, Texas and Victoria, Texas; 75 in the Dallas–Fort Worth metroplex; 22 in East Texas; 29 in Central Texas, including Austin, Texas and San Antonio; 34 in West Texas, including Lubbock, Texas, Midland–Odess...
EZPW vs PB — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $382.0M | $367.6M |
| Net Profit | $44.3M | $116.3M |
| Gross Margin | 58.4% | — |
| Operating Margin | 15.9% | — |
| Net Margin | 11.6% | 31.6% |
| Revenue YoY | 19.3% | — |
| Net Profit YoY | 42.8% | -10.7% |
| EPS (diluted) | $0.55 | $1.16 |
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 | — | $367.6M | ||
| Q4 25 | $382.0M | $275.0M | ||
| Q3 25 | $336.8M | $273.4M | ||
| Q2 25 | $311.0M | $267.7M | ||
| Q1 25 | $306.3M | $265.4M | ||
| Q4 24 | $320.2M | $267.8M | ||
| Q3 24 | $294.6M | $261.7M | ||
| Q2 24 | $281.4M | $258.8M |
| Q1 26 | — | $116.3M | ||
| Q4 25 | $44.3M | $139.9M | ||
| Q3 25 | $26.7M | $137.6M | ||
| Q2 25 | $26.5M | $135.2M | ||
| Q1 25 | $25.4M | $130.2M | ||
| Q4 24 | $31.0M | $130.1M | ||
| Q3 24 | $15.2M | $127.3M | ||
| Q2 24 | $17.9M | $111.6M |
| 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% | 65.1% | ||
| Q3 25 | 11.0% | 64.4% | ||
| Q2 25 | 11.6% | 64.3% | ||
| Q1 25 | 11.2% | 62.7% | ||
| Q4 24 | 13.1% | 62.0% | ||
| Q3 24 | 8.8% | 62.1% | ||
| Q2 24 | 7.9% | 55.2% |
| Q1 26 | — | 31.6% | ||
| Q4 25 | 11.6% | 50.9% | ||
| Q3 25 | 7.9% | 50.3% | ||
| Q2 25 | 8.5% | 50.5% | ||
| Q1 25 | 8.3% | 49.1% | ||
| Q4 24 | 9.7% | 48.6% | ||
| Q3 24 | 5.2% | 48.6% | ||
| Q2 24 | 6.4% | 43.1% |
| Q1 26 | — | $1.16 | ||
| Q4 25 | $0.55 | $1.48 | ||
| Q3 25 | $0.35 | $1.45 | ||
| Q2 25 | $0.34 | $1.42 | ||
| Q1 25 | $0.33 | $1.37 | ||
| Q4 24 | $0.40 | $1.36 | ||
| Q3 24 | $0.20 | $1.34 | ||
| Q2 24 | $0.25 | $1.17 |
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 | — |
| Total DebtLower is stronger | $518.6M | — |
| Stockholders' EquityBook value | $1.1B | $8.2B |
| Total Assets | $2.0B | $43.6B |
| Debt / EquityLower = less leverage | 0.48× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $465.9M | — | ||
| Q3 25 | $469.5M | — | ||
| Q2 25 | $472.1M | — | ||
| Q1 25 | $505.2M | — | ||
| Q4 24 | $174.5M | — | ||
| Q3 24 | $170.5M | — | ||
| Q2 24 | $218.0M | — |
| 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 | — | $8.2B | ||
| Q4 25 | $1.1B | $7.6B | ||
| Q3 25 | $1.0B | $7.7B | ||
| Q2 25 | $990.1M | $7.6B | ||
| Q1 25 | $851.6M | $7.5B | ||
| Q4 24 | $823.9M | $7.4B | ||
| Q3 24 | $804.6M | $7.4B | ||
| Q2 24 | $801.5M | $7.3B |
| Q1 26 | — | $43.6B | ||
| Q4 25 | $2.0B | $38.5B | ||
| Q3 25 | $2.0B | $38.3B | ||
| Q2 25 | $1.9B | $38.4B | ||
| Q1 25 | $1.8B | $38.8B | ||
| Q4 24 | $1.5B | $39.6B | ||
| Q3 24 | $1.5B | $40.1B | ||
| Q2 24 | $1.5B | $39.8B |
| 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 | $78.3M | ||
| Q3 25 | $51.3M | $194.8M | ||
| Q2 25 | $34.8M | $98.2M | ||
| Q1 25 | $36.9M | $178.2M | ||
| Q4 24 | $26.0M | $-205.8M | ||
| Q3 24 | $43.3M | $274.6M | ||
| Q2 24 | $33.7M | $216.5M |
| Q1 26 | — | — | ||
| Q4 25 | $31.7M | $68.5M | ||
| Q3 25 | $35.7M | $185.7M | ||
| Q2 25 | $25.7M | $91.8M | ||
| Q1 25 | $28.6M | $171.1M | ||
| Q4 24 | $20.4M | $-210.7M | ||
| Q3 24 | $24.4M | $270.2M | ||
| Q2 24 | $30.5M | $211.8M |
| Q1 26 | — | — | ||
| Q4 25 | 8.3% | 24.9% | ||
| Q3 25 | 10.6% | 67.9% | ||
| Q2 25 | 8.3% | 34.3% | ||
| Q1 25 | 9.3% | 64.5% | ||
| Q4 24 | 6.4% | -78.7% | ||
| Q3 24 | 8.3% | 103.3% | ||
| Q2 24 | 10.8% | 81.8% |
| Q1 26 | — | — | ||
| Q4 25 | 2.0% | 3.6% | ||
| Q3 25 | 4.6% | 3.3% | ||
| Q2 25 | 2.9% | 2.4% | ||
| Q1 25 | 2.7% | 2.7% | ||
| Q4 24 | 1.8% | 1.8% | ||
| Q3 24 | 6.4% | 1.7% | ||
| Q2 24 | 1.1% | 1.8% |
| Q1 26 | — | — | ||
| Q4 25 | 0.88× | 0.56× | ||
| Q3 25 | 1.92× | 1.42× | ||
| Q2 25 | 1.31× | 0.73× | ||
| Q1 25 | 1.45× | 1.37× | ||
| Q4 24 | 0.84× | -1.58× | ||
| Q3 24 | 2.85× | 2.16× | ||
| Q2 24 | 1.88× | 1.94× |
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% |
PB
| Net Interest Income | $321.1M | 87% |
| Noninterest Income | $46.5M | 13% |
