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Side-by-side financial comparison of EZCORP INC (EZPW) and TOMPKINS FINANCIAL CORP (TMP). Click either name above to swap in a different company.
EZCORP INC is the larger business by last-quarter revenue ($382.0M vs $194.8M, roughly 2.0× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 11.6%, a 37.8% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 19.3%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $31.7M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% 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.
Tompkins Financial Corporation is a small, diversified financial services company based in Ithaca, New York. It is the parent of the Tompkins Trust Company, as well as several other banks, an insurance agency, and a wealth management division.
EZPW vs TMP — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $382.0M | $194.8M |
| Net Profit | $44.3M | $96.2M |
| Gross Margin | 58.4% | — |
| Operating Margin | 15.9% | 71.7% |
| Net Margin | 11.6% | 49.4% |
| Revenue YoY | 19.3% | 152.7% |
| Net Profit YoY | 42.8% | 388.9% |
| EPS (diluted) | $0.55 | $6.72 |
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 | $194.8M | ||
| Q3 25 | $336.8M | $87.4M | ||
| Q2 25 | $311.0M | $82.6M | ||
| Q1 25 | $306.3M | $81.7M | ||
| Q4 24 | $320.2M | $77.1M | ||
| Q3 24 | $294.6M | $76.6M | ||
| Q2 24 | $281.4M | $72.7M | ||
| Q1 24 | $285.6M | $72.8M |
| Q4 25 | $44.3M | $96.2M | ||
| Q3 25 | $26.7M | $23.7M | ||
| Q2 25 | $26.5M | $21.5M | ||
| Q1 25 | $25.4M | $19.7M | ||
| Q4 24 | $31.0M | $19.7M | ||
| Q3 24 | $15.2M | $18.6M | ||
| Q2 24 | $17.9M | $15.7M | ||
| Q1 24 | $21.5M | $16.9M |
| 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% | 71.7% | ||
| Q3 25 | 11.0% | 35.6% | ||
| Q2 25 | 11.6% | 34.2% | ||
| Q1 25 | 11.2% | 31.6% | ||
| Q4 24 | 13.1% | 33.4% | ||
| Q3 24 | 8.8% | 32.0% | ||
| Q2 24 | 7.9% | 28.3% | ||
| Q1 24 | 9.6% | 30.4% |
| Q4 25 | 11.6% | 49.4% | ||
| Q3 25 | 7.9% | 27.1% | ||
| Q2 25 | 8.5% | 26.0% | ||
| Q1 25 | 8.3% | 24.1% | ||
| Q4 24 | 9.7% | 25.5% | ||
| Q3 24 | 5.2% | 24.3% | ||
| Q2 24 | 6.4% | 21.6% | ||
| Q1 24 | 7.5% | 23.2% |
| Q4 25 | $0.55 | $6.72 | ||
| Q3 25 | $0.35 | $1.65 | ||
| Q2 25 | $0.34 | $1.50 | ||
| Q1 25 | $0.33 | $1.37 | ||
| Q4 24 | $0.40 | $1.39 | ||
| Q3 24 | $0.20 | $1.30 | ||
| Q2 24 | $0.25 | $1.10 | ||
| Q1 24 | $0.29 | $1.18 |
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 | $132.8M |
| Total DebtLower is stronger | $518.6M | — |
| Stockholders' EquityBook value | $1.1B | $938.4M |
| Total Assets | $2.0B | $8.7B |
| Debt / EquityLower = less leverage | 0.48× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $465.9M | $132.8M | ||
| Q3 25 | $469.5M | $193.5M | ||
| Q2 25 | $472.1M | $212.6M | ||
| Q1 25 | $505.2M | $193.1M | ||
| Q4 24 | $174.5M | $134.4M | ||
| Q3 24 | $170.5M | $132.3M | ||
| Q2 24 | $218.0M | $70.9M | ||
| Q1 24 | $229.1M | $57.1M |
| 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 | $938.4M | ||
| Q3 25 | $1.0B | $788.8M | ||
| Q2 25 | $990.1M | $761.8M | ||
| Q1 25 | $851.6M | $741.4M | ||
| Q4 24 | $823.9M | $713.4M | ||
| Q3 24 | $804.6M | $719.9M | ||
| Q2 24 | $801.5M | $674.6M | ||
| Q1 24 | $800.4M | $667.9M |
| Q4 25 | $2.0B | $8.7B | ||
| Q3 25 | $2.0B | $8.5B | ||
| Q2 25 | $1.9B | $8.4B | ||
| Q1 25 | $1.8B | $8.2B | ||
| Q4 24 | $1.5B | $8.1B | ||
| Q3 24 | $1.5B | $8.0B | ||
| Q2 24 | $1.5B | $7.9B | ||
| Q1 24 | $1.5B | $7.8B |
| 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 | $38.9M |
| Free Cash FlowOCF − Capex | $31.7M | $31.9M |
| FCF MarginFCF / Revenue | 8.3% | 16.4% |
| Capex IntensityCapex / Revenue | 2.0% | 3.6% |
| Cash ConversionOCF / Net Profit | 0.88× | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $121.7M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.1M | $38.9M | ||
| Q3 25 | $51.3M | $34.9M | ||
| Q2 25 | $34.8M | $18.9M | ||
| Q1 25 | $36.9M | $22.2M | ||
| Q4 24 | $26.0M | $95.0M | ||
| Q3 24 | $43.3M | $21.2M | ||
| Q2 24 | $33.7M | $27.3M | ||
| Q1 24 | $15.1M | $23.2M |
| Q4 25 | $31.7M | $31.9M | ||
| Q3 25 | $35.7M | $33.9M | ||
| Q2 25 | $25.7M | $18.3M | ||
| Q1 25 | $28.6M | $20.9M | ||
| Q4 24 | $20.4M | $88.8M | ||
| Q3 24 | $24.4M | $18.9M | ||
| Q2 24 | $30.5M | $26.3M | ||
| Q1 24 | $8.6M | $21.9M |
| Q4 25 | 8.3% | 16.4% | ||
| Q3 25 | 10.6% | 38.8% | ||
| Q2 25 | 8.3% | 22.1% | ||
| Q1 25 | 9.3% | 25.5% | ||
| Q4 24 | 6.4% | 115.1% | ||
| Q3 24 | 8.3% | 24.7% | ||
| Q2 24 | 10.8% | 36.2% | ||
| Q1 24 | 3.0% | 30.0% |
| Q4 25 | 2.0% | 3.6% | ||
| Q3 25 | 4.6% | 1.1% | ||
| Q2 25 | 2.9% | 0.8% | ||
| Q1 25 | 2.7% | 1.7% | ||
| Q4 24 | 1.8% | 8.1% | ||
| Q3 24 | 6.4% | 2.9% | ||
| Q2 24 | 1.1% | 1.3% | ||
| Q1 24 | 2.3% | 1.9% |
| Q4 25 | 0.88× | 0.40× | ||
| Q3 25 | 1.92× | 1.47× | ||
| Q2 25 | 1.31× | 0.88× | ||
| Q1 25 | 1.45× | 1.13× | ||
| Q4 24 | 0.84× | 4.82× | ||
| Q3 24 | 2.85× | 1.14× | ||
| Q2 24 | 1.88× | 1.74× | ||
| Q1 24 | 0.70× | 1.38× |
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% |
TMP
Segment breakdown not available.
