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Side-by-side financial comparison of EZCORP INC (EZPW) and PEGASYSTEMS INC (PEGA). Click either name above to swap in a different company.
PEGASYSTEMS INC is the larger business by last-quarter revenue ($430.0M vs $382.0M, roughly 1.1× EZCORP INC). EZCORP INC runs the higher net margin — 11.6% vs 7.6%, a 4.0% gap on every dollar of revenue. On growth, EZCORP INC posted the faster year-over-year revenue change (19.3% vs -9.6%). PEGASYSTEMS INC produced more free cash flow last quarter ($206.5M vs $31.7M). Over the past eight quarters, EZCORP INC's revenue compounded faster (15.6% CAGR vs 10.7%).
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.
Pegasystems Inc. (Pega) is a global software company based in Waltham, Massachusetts, in the United States, and founded in 1983. The company has been publicly traded since 1996 as PEGA (NASDAQ). Pega is a low-code platform for workflow automation and generative AI-powered decision-making for businesses.
EZPW vs PEGA — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $382.0M | $430.0M |
| Net Profit | $44.3M | $32.8M |
| Gross Margin | 58.4% | 75.2% |
| Operating Margin | 15.9% | 8.6% |
| Net Margin | 11.6% | 7.6% |
| Revenue YoY | 19.3% | -9.6% |
| Net Profit YoY | 42.8% | — |
| 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.
| Q1 26 | — | $430.0M | ||
| Q4 25 | $382.0M | $504.3M | ||
| Q3 25 | $336.8M | $381.4M | ||
| Q2 25 | $311.0M | $384.5M | ||
| Q1 25 | $306.3M | $475.6M | ||
| Q4 24 | $320.2M | $490.8M | ||
| Q3 24 | $294.6M | $325.1M | ||
| Q2 24 | $281.4M | $351.2M |
| Q1 26 | — | $32.8M | ||
| Q4 25 | $44.3M | $234.6M | ||
| Q3 25 | $26.7M | $43.4M | ||
| Q2 25 | $26.5M | $30.1M | ||
| Q1 25 | $25.4M | $85.4M | ||
| Q4 24 | $31.0M | $119.1M | ||
| Q3 24 | $15.2M | $-14.4M | ||
| Q2 24 | $17.9M | $6.6M |
| Q1 26 | — | 75.2% | ||
| Q4 25 | 58.4% | 79.5% | ||
| Q3 25 | 59.0% | 72.2% | ||
| Q2 25 | 59.1% | 71.5% | ||
| Q1 25 | 58.3% | 78.5% | ||
| Q4 24 | 57.9% | 79.1% | ||
| Q3 24 | 59.5% | 70.2% | ||
| Q2 24 | 59.2% | 72.4% |
| Q1 26 | — | 8.6% | ||
| Q4 25 | 15.9% | 20.7% | ||
| Q3 25 | 11.0% | 3.8% | ||
| Q2 25 | 11.6% | 4.5% | ||
| Q1 25 | 11.2% | 26.7% | ||
| Q4 24 | 13.1% | 29.1% | ||
| Q3 24 | 8.8% | -3.6% | ||
| Q2 24 | 7.9% | 3.7% |
| Q1 26 | — | 7.6% | ||
| Q4 25 | 11.6% | 46.5% | ||
| Q3 25 | 7.9% | 11.4% | ||
| Q2 25 | 8.5% | 7.8% | ||
| Q1 25 | 8.3% | 18.0% | ||
| Q4 24 | 9.7% | 24.3% | ||
| Q3 24 | 5.2% | -4.4% | ||
| Q2 24 | 6.4% | 1.9% |
| Q1 26 | — | $0.18 | ||
| Q4 25 | $0.55 | $0.81 | ||
| Q3 25 | $0.35 | $0.24 | ||
| Q2 25 | $0.34 | $0.17 | ||
| Q1 25 | $0.33 | $0.91 | ||
| Q4 24 | $0.40 | $1.35 | ||
| Q3 24 | $0.20 | $-0.17 | ||
| Q2 24 | $0.25 | $0.07 |
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 | $270.0M |
| Total DebtLower is stronger | $518.6M | — |
| Stockholders' EquityBook value | $1.1B | $705.9M |
| Total Assets | $2.0B | $1.6B |
| Debt / EquityLower = less leverage | 0.48× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $270.0M | ||
| Q4 25 | $465.9M | $425.8M | ||
| Q3 25 | $469.5M | $351.4M | ||
| Q2 25 | $472.1M | $411.6M | ||
| Q1 25 | $505.2M | $371.7M | ||
| Q4 24 | $174.5M | $740.0M | ||
| Q3 24 | $170.5M | $703.0M | ||
| Q2 24 | $218.0M | $665.1M |
| 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 | — | $705.9M | ||
| Q4 25 | $1.1B | $787.4M | ||
| Q3 25 | $1.0B | $596.8M | ||
| Q2 25 | $990.1M | $624.5M | ||
| Q1 25 | $851.6M | $611.3M | ||
| Q4 24 | $823.9M | $585.5M | ||
| Q3 24 | $804.6M | $473.0M | ||
| Q2 24 | $801.5M | $435.4M |
| Q1 26 | — | $1.6B | ||
| Q4 25 | $2.0B | $1.6B | ||
| Q3 25 | $2.0B | $1.3B | ||
| Q2 25 | $1.9B | $1.3B | ||
| Q1 25 | $1.8B | $1.3B | ||
| Q4 24 | $1.5B | $1.8B | ||
| Q3 24 | $1.5B | $1.6B | ||
| Q2 24 | $1.5B | $1.5B |
| 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 | $206.5M |
| FCF MarginFCF / Revenue | 8.3% | 48.0% |
| Capex IntensityCapex / Revenue | 2.0% | — |
| Cash ConversionOCF / Net Profit | 0.88× | — |
| TTM Free Cash FlowTrailing 4 quarters | $121.7M | $494.9M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $39.1M | $158.4M | ||
| Q3 25 | $51.3M | $56.3M | ||
| Q2 25 | $34.8M | $86.3M | ||
| Q1 25 | $36.9M | $204.2M | ||
| Q4 24 | $26.0M | $95.2M | ||
| Q3 24 | $43.3M | $30.5M | ||
| Q2 24 | $33.7M | $40.1M |
| Q1 26 | — | $206.5M | ||
| Q4 25 | $31.7M | $152.4M | ||
| Q3 25 | $35.7M | $51.8M | ||
| Q2 25 | $25.7M | $84.1M | ||
| Q1 25 | $28.6M | $202.3M | ||
| Q4 24 | $20.4M | $92.4M | ||
| Q3 24 | $24.4M | $27.4M | ||
| Q2 24 | $30.5M | $38.8M |
| Q1 26 | — | 48.0% | ||
| Q4 25 | 8.3% | 30.2% | ||
| Q3 25 | 10.6% | 13.6% | ||
| Q2 25 | 8.3% | 21.9% | ||
| Q1 25 | 9.3% | 42.5% | ||
| Q4 24 | 6.4% | 18.8% | ||
| Q3 24 | 8.3% | 8.4% | ||
| Q2 24 | 10.8% | 11.1% |
| Q1 26 | — | — | ||
| Q4 25 | 2.0% | 1.2% | ||
| Q3 25 | 4.6% | 1.2% | ||
| Q2 25 | 2.9% | 0.6% | ||
| Q1 25 | 2.7% | 0.4% | ||
| Q4 24 | 1.8% | 0.6% | ||
| Q3 24 | 6.4% | 0.9% | ||
| Q2 24 | 1.1% | 0.4% |
| Q1 26 | — | — | ||
| Q4 25 | 0.88× | 0.68× | ||
| Q3 25 | 1.92× | 1.30× | ||
| Q2 25 | 1.31× | 2.87× | ||
| Q1 25 | 1.45× | 2.39× | ||
| Q4 24 | 0.84× | 0.80× | ||
| Q3 24 | 2.85× | — | ||
| Q2 24 | 1.88× | 6.06× |
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% |
PEGA
| Pega Cloud | $205.0M | 48% |
| Subscription license | $94.9M | 22% |
| Maintenance | $75.3M | 18% |
| Consulting | $54.8M | 13% |
