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Side-by-side financial comparison of EZCORP INC (EZPW) and SIMMONS FIRST NATIONAL CORP (SFNC). Click either name above to swap in a different company.
EZCORP INC is the larger business by last-quarter revenue ($382.0M vs $197.3M, roughly 1.9× SIMMONS FIRST NATIONAL CORP). On growth, SIMMONS FIRST NATIONAL CORP posted the faster year-over-year revenue change (19.6% vs 19.3%). SIMMONS FIRST NATIONAL CORP produced more free cash flow last quarter ($411.4M vs $31.7M). Over the past eight quarters, EZCORP INC's revenue compounded faster (15.6% CAGR vs 0.6%).
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.
Simmons Bank is a bank with operations in Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas. It is the primary subsidiary of Simmons First National Corporation, a bank holding company.
EZPW vs SFNC — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $382.0M | $197.3M |
| Net Profit | $44.3M | — |
| Gross Margin | 58.4% | — |
| Operating Margin | 15.9% | — |
| Net Margin | 11.6% | — |
| Revenue YoY | 19.3% | 19.6% |
| Net Profit YoY | 42.8% | — |
| EPS (diluted) | $0.55 | $0.36 |
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 | $197.3M | ||
| Q3 25 | $336.8M | $186.7M | ||
| Q2 25 | $311.0M | $214.2M | ||
| Q1 25 | $306.3M | $209.6M | ||
| Q4 24 | $320.2M | $208.5M | ||
| Q3 24 | $294.6M | $174.8M | ||
| Q2 24 | $281.4M | $197.2M | ||
| Q1 24 | $285.6M | $195.1M |
| Q4 25 | $44.3M | — | ||
| Q3 25 | $26.7M | $-562.8M | ||
| Q2 25 | $26.5M | $54.8M | ||
| Q1 25 | $25.4M | $32.4M | ||
| Q4 24 | $31.0M | — | ||
| Q3 24 | $15.2M | $24.7M | ||
| Q2 24 | $17.9M | $40.8M | ||
| Q1 24 | $21.5M | $38.9M |
| 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% | — | ||
| Q3 25 | 11.0% | — | ||
| Q2 25 | 11.6% | — | ||
| Q1 25 | 11.2% | — | ||
| Q4 24 | 13.1% | — | ||
| Q3 24 | 8.8% | — | ||
| Q2 24 | 7.9% | — | ||
| Q1 24 | 9.6% | — |
| Q4 25 | 11.6% | — | ||
| Q3 25 | 7.9% | -301.5% | ||
| Q2 25 | 8.5% | 25.6% | ||
| Q1 25 | 8.3% | 15.5% | ||
| Q4 24 | 9.7% | — | ||
| Q3 24 | 5.2% | 14.1% | ||
| Q2 24 | 6.4% | 20.7% | ||
| Q1 24 | 7.5% | 19.9% |
| Q4 25 | $0.55 | $0.36 | ||
| Q3 25 | $0.35 | $-4.00 | ||
| Q2 25 | $0.34 | $0.43 | ||
| Q1 25 | $0.33 | $0.26 | ||
| Q4 24 | $0.40 | $0.38 | ||
| Q3 24 | $0.20 | $0.20 | ||
| Q2 24 | $0.25 | $0.32 | ||
| Q1 24 | $0.29 | $0.31 |
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 | $620.0M |
| Stockholders' EquityBook value | $1.1B | $3.4B |
| Total Assets | $2.0B | $24.5B |
| Debt / EquityLower = less leverage | 0.48× | 0.18× |
8-quarter trend — quarters aligned by calendar period.
| 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 24 | $229.1M | — |
| Q4 25 | $518.6M | $620.0M | ||
| Q3 25 | $518.1M | $667.8M | ||
| Q2 25 | $517.6M | $1.0B | ||
| Q1 25 | $620.5M | $1.3B | ||
| Q4 24 | $327.7M | $1.1B | ||
| Q3 24 | $327.3M | $1.4B | ||
| Q2 24 | $361.3M | $1.7B | ||
| Q1 24 | $360.9M | $1.2B |
| Q4 25 | $1.1B | $3.4B | ||
| Q3 25 | $1.0B | $3.4B | ||
| Q2 25 | $990.1M | $3.5B | ||
| Q1 25 | $851.6M | $3.5B | ||
| Q4 24 | $823.9M | $3.5B | ||
| Q3 24 | $804.6M | $3.5B | ||
| Q2 24 | $801.5M | $3.5B | ||
| Q1 24 | $800.4M | $3.4B |
| Q4 25 | $2.0B | $24.5B | ||
| Q3 25 | $2.0B | $24.2B | ||
| Q2 25 | $1.9B | $26.7B | ||
| Q1 25 | $1.8B | $26.8B | ||
| Q4 24 | $1.5B | $26.9B | ||
| Q3 24 | $1.5B | $27.3B | ||
| Q2 24 | $1.5B | $27.4B | ||
| Q1 24 | $1.5B | $27.4B |
| Q4 25 | 0.48× | 0.18× | ||
| Q3 25 | 0.51× | 0.20× | ||
| Q2 25 | 0.52× | 0.28× | ||
| Q1 25 | 0.73× | 0.35× | ||
| Q4 24 | 0.40× | 0.32× | ||
| Q3 24 | 0.41× | 0.40× | ||
| Q2 24 | 0.45× | 0.50× | ||
| Q1 24 | 0.45× | 0.36× |
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 | $449.5M |
| Free Cash FlowOCF − Capex | $31.7M | $411.4M |
| FCF MarginFCF / Revenue | 8.3% | 208.5% |
| Capex IntensityCapex / Revenue | 2.0% | 19.3% |
| Cash ConversionOCF / Net Profit | 0.88× | — |
| TTM Free Cash FlowTrailing 4 quarters | $121.7M | $717.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.1M | $449.5M | ||
| Q3 25 | $51.3M | $223.4M | ||
| Q2 25 | $34.8M | $77.6M | ||
| Q1 25 | $36.9M | $32.8M | ||
| Q4 24 | $26.0M | $425.9M | ||
| Q3 24 | $43.3M | $199.4M | ||
| Q2 24 | $33.7M | $86.1M | ||
| Q1 24 | $15.1M | $57.6M |
| Q4 25 | $31.7M | $411.4M | ||
| Q3 25 | $35.7M | $216.7M | ||
| Q2 25 | $25.7M | $66.3M | ||
| Q1 25 | $28.6M | $22.6M | ||
| Q4 24 | $20.4M | $380.4M | ||
| Q3 24 | $24.4M | $187.7M | ||
| Q2 24 | $30.5M | $72.7M | ||
| Q1 24 | $8.6M | $47.7M |
| Q4 25 | 8.3% | 208.5% | ||
| Q3 25 | 10.6% | 116.1% | ||
| Q2 25 | 8.3% | 31.0% | ||
| Q1 25 | 9.3% | 10.8% | ||
| Q4 24 | 6.4% | 182.5% | ||
| Q3 24 | 8.3% | 107.4% | ||
| Q2 24 | 10.8% | 36.9% | ||
| Q1 24 | 3.0% | 24.5% |
| Q4 25 | 2.0% | 19.3% | ||
| Q3 25 | 4.6% | 3.6% | ||
| Q2 25 | 2.9% | 5.3% | ||
| Q1 25 | 2.7% | 4.8% | ||
| Q4 24 | 1.8% | 21.8% | ||
| Q3 24 | 6.4% | 6.7% | ||
| Q2 24 | 1.1% | 6.8% | ||
| Q1 24 | 2.3% | 5.0% |
| Q4 25 | 0.88× | — | ||
| Q3 25 | 1.92× | — | ||
| Q2 25 | 1.31× | 1.42× | ||
| Q1 25 | 1.45× | 1.01× | ||
| Q4 24 | 0.84× | — | ||
| Q3 24 | 2.85× | 8.06× | ||
| Q2 24 | 1.88× | 2.11× | ||
| Q1 24 | 0.70× | 1.48× |
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% |
SFNC
Segment breakdown not available.
