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Side-by-side financial comparison of EZCORP INC (EZPW) and Palomar Holdings, Inc. (PLMR). Click either name above to swap in a different company.
EZCORP INC is the larger business by last-quarter revenue ($382.0M vs $253.4M, roughly 1.5× Palomar Holdings, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 19.3%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $31.7M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% 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.
Palomar Holdings, Inc. is a specialty insurance holding company that primarily provides property insurance products for catastrophe-exposed residential and commercial assets. It mainly operates across the United States, focusing on core segments including earthquake, flood, and windstorm coverage to meet high-risk property protection demands of customers.
EZPW vs PLMR — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $382.0M | $253.4M |
| Net Profit | $44.3M | — |
| Gross Margin | 58.4% | — |
| Operating Margin | 15.9% | 28.7% |
| Net Margin | 11.6% | — |
| Revenue YoY | 19.3% | 62.7% |
| Net Profit YoY | 42.8% | — |
| EPS (diluted) | $0.55 | $2.05 |
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 | $253.4M | ||
| Q3 25 | $336.8M | $244.7M | ||
| Q2 25 | $311.0M | $203.3M | ||
| Q1 25 | $306.3M | $174.6M | ||
| Q4 24 | $320.2M | $155.8M | ||
| Q3 24 | $294.6M | $148.5M | ||
| Q2 24 | $281.4M | $131.1M | ||
| Q1 24 | $285.6M | $118.5M |
| Q4 25 | $44.3M | — | ||
| Q3 25 | $26.7M | $51.5M | ||
| Q2 25 | $26.5M | $46.5M | ||
| Q1 25 | $25.4M | $42.9M | ||
| Q4 24 | $31.0M | — | ||
| Q3 24 | $15.2M | $30.5M | ||
| Q2 24 | $17.9M | $25.7M | ||
| 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% | 28.7% | ||
| Q3 25 | 11.0% | 27.4% | ||
| Q2 25 | 11.6% | 29.5% | ||
| Q1 25 | 11.2% | 30.8% | ||
| Q4 24 | 13.1% | 28.9% | ||
| Q3 24 | 8.8% | 25.9% | ||
| Q2 24 | 7.9% | 25.5% | ||
| Q1 24 | 9.6% | 29.0% |
| Q4 25 | 11.6% | — | ||
| Q3 25 | 7.9% | 21.0% | ||
| Q2 25 | 8.5% | 22.9% | ||
| Q1 25 | 8.3% | 24.6% | ||
| Q4 24 | 9.7% | — | ||
| Q3 24 | 5.2% | 20.5% | ||
| Q2 24 | 6.4% | 19.6% | ||
| Q1 24 | 7.5% | 22.3% |
| Q4 25 | $0.55 | $2.05 | ||
| Q3 25 | $0.35 | $1.87 | ||
| Q2 25 | $0.34 | $1.68 | ||
| Q1 25 | $0.33 | $1.57 | ||
| Q4 24 | $0.40 | $1.29 | ||
| Q3 24 | $0.20 | $1.15 | ||
| Q2 24 | $0.25 | $1.00 | ||
| Q1 24 | $0.29 | $1.04 |
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 | $106.9M |
| Total DebtLower is stronger | $518.6M | — |
| Stockholders' EquityBook value | $1.1B | $942.7M |
| Total Assets | $2.0B | $3.1B |
| Debt / EquityLower = less leverage | 0.48× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $465.9M | $106.9M | ||
| Q3 25 | $469.5M | $111.7M | ||
| Q2 25 | $472.1M | $81.3M | ||
| Q1 25 | $505.2M | $119.3M | ||
| Q4 24 | $174.5M | $80.4M | ||
| Q3 24 | $170.5M | $86.5M | ||
| Q2 24 | $218.0M | $47.8M | ||
| Q1 24 | $229.1M | $61.4M |
| 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 | $942.7M | ||
| Q3 25 | $1.0B | $878.1M | ||
| Q2 25 | $990.1M | $847.2M | ||
| Q1 25 | $851.6M | $790.4M | ||
| Q4 24 | $823.9M | $729.0M | ||
| Q3 24 | $804.6M | $703.3M | ||
| Q2 24 | $801.5M | $532.6M | ||
| Q1 24 | $800.4M | $501.7M |
| Q4 25 | $2.0B | $3.1B | ||
| Q3 25 | $2.0B | $2.9B | ||
| Q2 25 | $1.9B | $2.8B | ||
| Q1 25 | $1.8B | $2.4B | ||
| Q4 24 | $1.5B | $2.3B | ||
| Q3 24 | $1.5B | $2.3B | ||
| Q2 24 | $1.5B | $2.0B | ||
| Q1 24 | $1.5B | $1.9B |
| 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 | $409.1M |
| Free Cash FlowOCF − Capex | $31.7M | $409.0M |
| FCF MarginFCF / Revenue | 8.3% | 161.4% |
| Capex IntensityCapex / Revenue | 2.0% | 0.1% |
| Cash ConversionOCF / Net Profit | 0.88× | — |
| TTM Free Cash FlowTrailing 4 quarters | $121.7M | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.1M | $409.1M | ||
| Q3 25 | $51.3M | $83.6M | ||
| Q2 25 | $34.8M | $120.9M | ||
| Q1 25 | $36.9M | $87.2M | ||
| Q4 24 | $26.0M | $261.2M | ||
| Q3 24 | $43.3M | $100.3M | ||
| Q2 24 | $33.7M | $55.1M | ||
| Q1 24 | $15.1M | $33.1M |
| Q4 25 | $31.7M | $409.0M | ||
| Q3 25 | $35.7M | $83.6M | ||
| Q2 25 | $25.7M | $120.8M | ||
| Q1 25 | $28.6M | $87.1M | ||
| Q4 24 | $20.4M | $260.9M | ||
| Q3 24 | $24.4M | $100.1M | ||
| Q2 24 | $30.5M | — | ||
| Q1 24 | $8.6M | — |
| Q4 25 | 8.3% | 161.4% | ||
| Q3 25 | 10.6% | 34.2% | ||
| Q2 25 | 8.3% | 59.4% | ||
| Q1 25 | 9.3% | 49.9% | ||
| Q4 24 | 6.4% | 167.5% | ||
| Q3 24 | 8.3% | 67.4% | ||
| Q2 24 | 10.8% | — | ||
| Q1 24 | 3.0% | — |
| Q4 25 | 2.0% | 0.1% | ||
| Q3 25 | 4.6% | 0.0% | ||
| 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% | 0.0% | ||
| Q1 24 | 2.3% | 0.0% |
| Q4 25 | 0.88× | — | ||
| Q3 25 | 1.92× | 1.63× | ||
| Q2 25 | 1.31× | 2.60× | ||
| Q1 25 | 1.45× | 2.03× | ||
| Q4 24 | 0.84× | — | ||
| Q3 24 | 2.85× | 3.29× | ||
| Q2 24 | 1.88× | 2.14× | ||
| Q1 24 | 0.70× | 1.26× |
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% |
PLMR
Segment breakdown not available.
