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Side-by-side financial comparison of EZCORP INC (EZPW) and PRA GROUP INC (PRAA). Click either name above to swap in a different company.
EZCORP INC is the larger business by last-quarter revenue ($382.0M vs $333.4M, roughly 1.1× PRA GROUP INC). PRA GROUP INC runs the higher net margin — 17.0% vs 11.6%, a 5.4% gap on every dollar of revenue. On growth, EZCORP INC posted the faster year-over-year revenue change (19.3% vs 13.7%). EZCORP INC produced more free cash flow last quarter ($31.7M vs $-90.4M). Over the past eight quarters, EZCORP INC's revenue compounded faster (15.6% CAGR vs 14.2%).
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.
PRA Group, Inc. is a publicly traded debt buyer and debt collection company based in Norfolk, Virginia. The company buys delinquent consumer debt from credit card issuers and other financial institutions at a discount and pursues collection of the full debt owed. Founded in 1996, PRA Group employs more than 3200 people in 18 countries.
EZPW vs PRAA — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $382.0M | $333.4M |
| Net Profit | $44.3M | $56.5M |
| Gross Margin | 58.4% | — |
| Operating Margin | 15.9% | 37.7% |
| Net Margin | 11.6% | 17.0% |
| Revenue YoY | 19.3% | 13.7% |
| Net Profit YoY | 42.8% | 206.3% |
| EPS (diluted) | $0.55 | $1.47 |
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 | $333.4M | ||
| Q3 25 | $336.8M | $311.1M | ||
| Q2 25 | $311.0M | $287.7M | ||
| Q1 25 | $306.3M | $269.6M | ||
| Q4 24 | $320.2M | $293.2M | ||
| Q3 24 | $294.6M | $281.5M | ||
| Q2 24 | $281.4M | $284.2M | ||
| Q1 24 | $285.6M | $255.6M |
| Q4 25 | $44.3M | $56.5M | ||
| Q3 25 | $26.7M | $-407.7M | ||
| Q2 25 | $26.5M | $42.4M | ||
| Q1 25 | $25.4M | $3.7M | ||
| Q4 24 | $31.0M | $18.5M | ||
| Q3 24 | $15.2M | $27.2M | ||
| Q2 24 | $17.9M | $21.5M | ||
| Q1 24 | $21.5M | $3.5M |
| 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% | 37.7% | ||
| Q3 25 | 11.0% | -101.4% | ||
| Q2 25 | 11.6% | 29.6% | ||
| Q1 25 | 11.2% | 27.7% | ||
| Q4 24 | 13.1% | 32.1% | ||
| Q3 24 | 8.8% | 32.0% | ||
| Q2 24 | 7.9% | 31.4% | ||
| Q1 24 | 9.6% | 26.0% |
| Q4 25 | 11.6% | 17.0% | ||
| Q3 25 | 7.9% | -131.0% | ||
| Q2 25 | 8.5% | 14.7% | ||
| Q1 25 | 8.3% | 1.4% | ||
| Q4 24 | 9.7% | 6.3% | ||
| Q3 24 | 5.2% | 9.6% | ||
| Q2 24 | 6.4% | 7.6% | ||
| Q1 24 | 7.5% | 1.4% |
| Q4 25 | $0.55 | $1.47 | ||
| Q3 25 | $0.35 | $-10.43 | ||
| Q2 25 | $0.34 | $1.08 | ||
| Q1 25 | $0.33 | $0.09 | ||
| Q4 24 | $0.40 | $0.47 | ||
| Q3 24 | $0.20 | $0.69 | ||
| Q2 24 | $0.25 | $0.54 | ||
| Q1 24 | $0.29 | $0.09 |
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 | $104.4M |
| Total DebtLower is stronger | $518.6M | — |
| Stockholders' EquityBook value | $1.1B | $979.9M |
| Total Assets | $2.0B | $5.1B |
| Debt / EquityLower = less leverage | 0.48× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $465.9M | $104.4M | ||
| Q3 25 | $469.5M | $107.5M | ||
| Q2 25 | $472.1M | $131.6M | ||
| Q1 25 | $505.2M | $128.7M | ||
| Q4 24 | $174.5M | $105.9M | ||
| Q3 24 | $170.5M | $141.1M | ||
| Q2 24 | $218.0M | $118.9M | ||
| Q1 24 | $229.1M | $108.1M |
| 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 | $979.9M | ||
| Q3 25 | $1.0B | $928.5M | ||
| Q2 25 | $990.1M | $1.3B | ||
| Q1 25 | $851.6M | $1.2B | ||
| Q4 24 | $823.9M | $1.1B | ||
| Q3 24 | $804.6M | $1.2B | ||
| Q2 24 | $801.5M | $1.1B | ||
| Q1 24 | $800.4M | $1.1B |
| Q4 25 | $2.0B | $5.1B | ||
| Q3 25 | $2.0B | $5.0B | ||
| Q2 25 | $1.9B | $5.4B | ||
| Q1 25 | $1.8B | $5.1B | ||
| Q4 24 | $1.5B | $4.9B | ||
| Q3 24 | $1.5B | $4.9B | ||
| Q2 24 | $1.5B | $4.7B | ||
| Q1 24 | $1.5B | $4.5B |
| 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 | $-85.5M |
| Free Cash FlowOCF − Capex | $31.7M | $-90.4M |
| FCF MarginFCF / Revenue | 8.3% | -27.1% |
| Capex IntensityCapex / Revenue | 2.0% | 1.4% |
| Cash ConversionOCF / Net Profit | 0.88× | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | $121.7M | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.1M | $-85.5M | ||
| Q3 25 | $51.3M | $-10.1M | ||
| Q2 25 | $34.8M | $-12.9M | ||
| Q1 25 | $36.9M | $-52.6M | ||
| Q4 24 | $26.0M | $-94.6M | ||
| Q3 24 | $43.3M | $-35.0M | ||
| Q2 24 | $33.7M | $-29.5M | ||
| Q1 24 | $15.1M | $-73.0M |
| Q4 25 | $31.7M | $-90.4M | ||
| Q3 25 | $35.7M | $-11.3M | ||
| Q2 25 | $25.7M | $-14.2M | ||
| Q1 25 | $28.6M | $-53.5M | ||
| Q4 24 | $20.4M | $-98.6M | ||
| Q3 24 | $24.4M | $-36.1M | ||
| Q2 24 | $30.5M | $-30.8M | ||
| Q1 24 | $8.6M | $-73.5M |
| Q4 25 | 8.3% | -27.1% | ||
| Q3 25 | 10.6% | -3.6% | ||
| Q2 25 | 8.3% | -4.9% | ||
| Q1 25 | 9.3% | -19.8% | ||
| Q4 24 | 6.4% | -33.6% | ||
| Q3 24 | 8.3% | -12.8% | ||
| Q2 24 | 10.8% | -10.8% | ||
| Q1 24 | 3.0% | -28.8% |
| Q4 25 | 2.0% | 1.4% | ||
| Q3 25 | 4.6% | 0.4% | ||
| Q2 25 | 2.9% | 0.4% | ||
| Q1 25 | 2.7% | 0.3% | ||
| Q4 24 | 1.8% | 1.4% | ||
| Q3 24 | 6.4% | 0.4% | ||
| Q2 24 | 1.1% | 0.5% | ||
| Q1 24 | 2.3% | 0.2% |
| Q4 25 | 0.88× | -1.51× | ||
| Q3 25 | 1.92× | — | ||
| Q2 25 | 1.31× | -0.30× | ||
| Q1 25 | 1.45× | -14.37× | ||
| Q4 24 | 0.84× | -5.13× | ||
| Q3 24 | 2.85× | -1.29× | ||
| Q2 24 | 1.88× | -1.37× | ||
| Q1 24 | 0.70× | -21.01× |
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% |
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
