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Side-by-side financial comparison of EZCORP INC (EZPW) and Savers Value Village, Inc. (SVV). Click either name above to swap in a different company.
Savers Value Village, Inc. is the larger business by last-quarter revenue ($426.9M vs $382.0M, roughly 1.1× EZCORP INC). EZCORP INC runs the higher net margin — 11.6% vs -3.3%, a 14.9% gap on every dollar of revenue. On growth, EZCORP INC posted the faster year-over-year revenue change (19.3% vs 8.1%). EZCORP INC produced more free cash flow last quarter ($31.7M vs $-6.3M). Over the past eight quarters, EZCORP INC's revenue compounded faster (15.6% CAGR vs 4.3%).
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.
Value Village Stores, Inc. was a Midwestern United States chain of retail stores aimed at the discount department-store market. Henry Horney, formerly of F.W. Woolworth Company founded a small, regional chain of discount stores located in the two states of Wisconsin and Illinois that opened in 1961 and operated into 1989. Horney also had a real estate company and often built small shopping malls adjoining the discount stores. The chain had no relation to the Savers Value Village chain of thri...
EZPW vs SVV — Head-to-Head
Income Statement — Q1 2026 vs Q3 2026
| Metric | | |
|---|---|---|
| Revenue | $382.0M | $426.9M |
| Net Profit | $44.3M | $-14.0M |
| Gross Margin | 58.4% | — |
| Operating Margin | 15.9% | 8.5% |
| Net Margin | 11.6% | -3.3% |
| Revenue YoY | 19.3% | 8.1% |
| Net Profit YoY | 42.8% | -164.6% |
| EPS (diluted) | $0.55 | $-0.09 |
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 | — | ||
| Q3 25 | $336.8M | $426.9M | ||
| Q2 25 | $311.0M | $417.2M | ||
| Q1 25 | $306.3M | $370.1M | ||
| Q4 24 | $320.2M | $402.0M | ||
| Q3 24 | $294.6M | $394.8M | ||
| Q2 24 | $281.4M | $386.7M | ||
| Q1 24 | $285.6M | $354.2M |
| Q4 25 | $44.3M | — | ||
| Q3 25 | $26.7M | $-14.0M | ||
| Q2 25 | $26.5M | $18.9M | ||
| Q1 25 | $25.4M | $-4.7M | ||
| Q4 24 | $31.0M | $-1.9M | ||
| Q3 24 | $15.2M | $21.7M | ||
| Q2 24 | $17.9M | $9.7M | ||
| Q1 24 | $21.5M | $-467.0K |
| Q4 25 | 58.4% | — | ||
| Q3 25 | 59.0% | — | ||
| Q2 25 | 59.1% | — | ||
| Q1 25 | 58.3% | — | ||
| Q4 24 | 57.9% | — | ||
| Q3 24 | 59.5% | 25.6% | ||
| Q2 24 | 59.2% | 26.6% | ||
| Q1 24 | 58.7% | 24.2% |
| Q4 25 | 15.9% | — | ||
| Q3 25 | 11.0% | 8.5% | ||
| Q2 25 | 11.6% | 8.2% | ||
| Q1 25 | 11.2% | 2.8% | ||
| Q4 24 | 13.1% | 8.2% | ||
| Q3 24 | 8.8% | 12.3% | ||
| Q2 24 | 7.9% | 8.3% | ||
| Q1 24 | 9.6% | 4.6% |
| Q4 25 | 11.6% | — | ||
| Q3 25 | 7.9% | -3.3% | ||
| Q2 25 | 8.5% | 4.5% | ||
| Q1 25 | 8.3% | -1.3% | ||
| Q4 24 | 9.7% | -0.5% | ||
| Q3 24 | 5.2% | 5.5% | ||
| Q2 24 | 6.4% | 2.5% | ||
| Q1 24 | 7.5% | -0.1% |
| Q4 25 | $0.55 | — | ||
| Q3 25 | $0.35 | $-0.09 | ||
| Q2 25 | $0.34 | $0.12 | ||
| Q1 25 | $0.33 | $-0.03 | ||
| Q4 24 | $0.40 | $-0.02 | ||
| Q3 24 | $0.20 | $0.13 | ||
| Q2 24 | $0.25 | $0.06 | ||
| Q1 24 | $0.29 | $0.00 |
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 | $63.5M |
| Total DebtLower is stronger | $518.6M | $750.0M |
| Stockholders' EquityBook value | $1.1B | $414.6M |
| Total Assets | $2.0B | $2.0B |
| Debt / EquityLower = less leverage | 0.48× | 1.81× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $465.9M | — | ||
| Q3 25 | $469.5M | $63.5M | ||
| Q2 25 | $472.1M | $70.5M | ||
| Q1 25 | $505.2M | $73.0M | ||
| Q4 24 | $174.5M | $150.0M | ||
| Q3 24 | $170.5M | $137.7M | ||
| Q2 24 | $218.0M | $160.7M | ||
| Q1 24 | $229.1M | $102.2M |
| Q4 25 | $518.6M | — | ||
| Q3 25 | $518.1M | $750.0M | ||
| 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 | — | ||
| Q3 25 | $1.0B | $414.6M | ||
| Q2 25 | $990.1M | $423.5M | ||
| Q1 25 | $851.6M | $413.8M | ||
| Q4 24 | $823.9M | $421.7M | ||
| Q3 24 | $804.6M | $432.9M | ||
| Q2 24 | $801.5M | $419.5M | ||
| Q1 24 | $800.4M | $395.0M |
| Q4 25 | $2.0B | — | ||
| Q3 25 | $2.0B | $2.0B | ||
| Q2 25 | $1.9B | $1.9B | ||
| Q1 25 | $1.8B | $1.9B | ||
| Q4 24 | $1.5B | $1.9B | ||
| Q3 24 | $1.5B | $1.9B | ||
| Q2 24 | $1.5B | $1.9B | ||
| Q1 24 | $1.5B | $1.8B |
| Q4 25 | 0.48× | — | ||
| Q3 25 | 0.51× | 1.81× | ||
| 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 | $21.6M |
| Free Cash FlowOCF − Capex | $31.7M | $-6.3M |
| FCF MarginFCF / Revenue | 8.3% | -1.5% |
| Capex IntensityCapex / Revenue | 2.0% | 6.5% |
| Cash ConversionOCF / Net Profit | 0.88× | — |
| TTM Free Cash FlowTrailing 4 quarters | $121.7M | $25.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.1M | — | ||
| Q3 25 | $51.3M | $21.6M | ||
| Q2 25 | $34.8M | $54.4M | ||
| Q1 25 | $36.9M | $419.0K | ||
| Q4 24 | $26.0M | $55.8M | ||
| Q3 24 | $43.3M | $23.9M | ||
| Q2 24 | $33.7M | $60.4M | ||
| Q1 24 | $15.1M | $-5.8M |
| Q4 25 | $31.7M | — | ||
| Q3 25 | $35.7M | $-6.3M | ||
| Q2 25 | $25.7M | $21.9M | ||
| Q1 25 | $28.6M | $-20.2M | ||
| Q4 24 | $20.4M | $30.1M | ||
| Q3 24 | $24.4M | $-3.0M | ||
| Q2 24 | $30.5M | $29.6M | ||
| Q1 24 | $8.6M | $-28.3M |
| Q4 25 | 8.3% | — | ||
| Q3 25 | 10.6% | -1.5% | ||
| Q2 25 | 8.3% | 5.2% | ||
| Q1 25 | 9.3% | -5.4% | ||
| Q4 24 | 6.4% | 7.5% | ||
| Q3 24 | 8.3% | -0.8% | ||
| Q2 24 | 10.8% | 7.6% | ||
| Q1 24 | 3.0% | -8.0% |
| Q4 25 | 2.0% | — | ||
| Q3 25 | 4.6% | 6.5% | ||
| Q2 25 | 2.9% | 7.8% | ||
| Q1 25 | 2.7% | 5.6% | ||
| Q4 24 | 1.8% | 6.4% | ||
| Q3 24 | 6.4% | 6.8% | ||
| Q2 24 | 1.1% | 8.0% | ||
| Q1 24 | 2.3% | 6.4% |
| Q4 25 | 0.88× | — | ||
| Q3 25 | 1.92× | — | ||
| Q2 25 | 1.31× | 2.88× | ||
| Q1 25 | 1.45× | — | ||
| Q4 24 | 0.84× | — | ||
| Q3 24 | 2.85× | 1.10× | ||
| Q2 24 | 1.88× | 6.22× | ||
| Q1 24 | 0.70× | — |
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% |
SVV
| Sales Channel Directly To Consumer | $408.3M | 96% |
| Sales Channel Through Intermediary | $18.6M | 4% |
