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Side-by-side financial comparison of EZCORP INC (EZPW) and TRUPANION, INC. (TRUP). Click either name above to swap in a different company.
EZCORP INC is the larger business by last-quarter revenue ($382.0M vs $376.9M, roughly 1.0× TRUPANION, INC.). On growth, EZCORP INC posted the faster year-over-year revenue change (19.3% vs 11.7%). EZCORP INC produced more free cash flow last quarter ($31.7M vs $25.3M). Over the past eight quarters, EZCORP INC's revenue compounded faster (15.6% CAGR vs 11.0%).
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.
TRUPANION, INC.TRUPEarnings & Financial Report
Trupanion, Inc. is a pet insurance provider headquartered in Seattle, Washington. Established in 1998, Trupanion operates across the United States, Canada, Australia, and Puerto Rico. The company offers coverage for pets and is self-underwritten by the American Pet Insurance Company (APIC).
EZPW vs TRUP — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $382.0M | $376.9M |
| Net Profit | $44.3M | — |
| Gross Margin | 58.4% | 17.3% |
| Operating Margin | 15.9% | 1.9% |
| Net Margin | 11.6% | — |
| Revenue YoY | 19.3% | 11.7% |
| Net Profit YoY | 42.8% | — |
| EPS (diluted) | $0.55 | $0.13 |
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 | $376.9M | ||
| Q3 25 | $336.8M | $366.9M | ||
| Q2 25 | $311.0M | $353.6M | ||
| Q1 25 | $306.3M | $342.0M | ||
| Q4 24 | $320.2M | $337.3M | ||
| Q3 24 | $294.6M | $327.5M | ||
| Q2 24 | $281.4M | $314.8M | ||
| Q1 24 | $285.6M | $306.1M |
| Q4 25 | $44.3M | — | ||
| Q3 25 | $26.7M | — | ||
| Q2 25 | $26.5M | — | ||
| Q1 25 | $25.4M | — | ||
| Q4 24 | $31.0M | — | ||
| Q3 24 | $15.2M | — | ||
| Q2 24 | $17.9M | — | ||
| Q1 24 | $21.5M | — |
| Q4 25 | 58.4% | 17.3% | ||
| Q3 25 | 59.0% | 16.4% | ||
| Q2 25 | 59.1% | 15.5% | ||
| Q1 25 | 58.3% | 14.9% | ||
| Q4 24 | 57.9% | 15.7% | ||
| Q3 24 | 59.5% | 15.1% | ||
| Q2 24 | 59.2% | 12.8% | ||
| Q1 24 | 58.7% | 11.8% |
| Q4 25 | 15.9% | 1.9% | ||
| Q3 25 | 11.0% | 1.6% | ||
| Q2 25 | 11.6% | 0.7% | ||
| Q1 25 | 11.2% | -0.4% | ||
| Q4 24 | 13.1% | 0.1% | ||
| Q3 24 | 8.8% | 0.5% | ||
| Q2 24 | 7.9% | -1.7% | ||
| Q1 24 | 9.6% | -2.0% |
| Q4 25 | 11.6% | — | ||
| Q3 25 | 7.9% | — | ||
| Q2 25 | 8.5% | — | ||
| Q1 25 | 8.3% | — | ||
| Q4 24 | 9.7% | — | ||
| Q3 24 | 5.2% | — | ||
| Q2 24 | 6.4% | — | ||
| Q1 24 | 7.5% | — |
| Q4 25 | $0.55 | $0.13 | ||
| Q3 25 | $0.35 | $0.13 | ||
| Q2 25 | $0.34 | $0.22 | ||
| Q1 25 | $0.33 | $-0.03 | ||
| Q4 24 | $0.40 | $0.04 | ||
| Q3 24 | $0.20 | $0.03 | ||
| Q2 24 | $0.25 | $-0.14 | ||
| Q1 24 | $0.29 | $-0.16 |
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 | $370.7M |
| Total DebtLower is stronger | $518.6M | $101.8M |
| Stockholders' EquityBook value | $1.1B | $383.9M |
| Total Assets | $2.0B | $915.0M |
| Debt / EquityLower = less leverage | 0.48× | 0.27× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $465.9M | $370.7M | ||
| Q3 25 | $469.5M | $348.5M | ||
| Q2 25 | $472.1M | $319.6M | ||
| Q1 25 | $505.2M | $321.8M | ||
| Q4 24 | $174.5M | $307.4M | ||
| Q3 24 | $170.5M | $293.1M | ||
| Q2 24 | $218.0M | $277.2M | ||
| Q1 24 | $229.1M | $275.2M |
| Q4 25 | $518.6M | $101.8M | ||
| Q3 25 | $518.1M | — | ||
| Q2 25 | $517.6M | — | ||
| Q1 25 | $620.5M | — | ||
| Q4 24 | $327.7M | $127.5M | ||
| Q3 24 | $327.3M | — | ||
| Q2 24 | $361.3M | — | ||
| Q1 24 | $360.9M | — |
| Q4 25 | $1.1B | $383.9M | ||
| Q3 25 | $1.0B | $368.6M | ||
| Q2 25 | $990.1M | $355.5M | ||
| Q1 25 | $851.6M | $333.7M | ||
| Q4 24 | $823.9M | $323.3M | ||
| Q3 24 | $804.6M | $320.2M | ||
| Q2 24 | $801.5M | $305.8M | ||
| Q1 24 | $800.4M | $303.4M |
| Q4 25 | $2.0B | $915.0M | ||
| Q3 25 | $2.0B | $880.2M | ||
| Q2 25 | $1.9B | $847.8M | ||
| Q1 25 | $1.8B | $837.2M | ||
| Q4 24 | $1.5B | $806.9M | ||
| Q3 24 | $1.5B | $816.1M | ||
| Q2 24 | $1.5B | $795.9M | ||
| Q1 24 | $1.5B | $789.5M |
| Q4 25 | 0.48× | 0.27× | ||
| Q3 25 | 0.51× | — | ||
| Q2 25 | 0.52× | — | ||
| Q1 25 | 0.73× | — | ||
| Q4 24 | 0.40× | 0.39× | ||
| 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 | $29.3M |
| Free Cash FlowOCF − Capex | $31.7M | $25.3M |
| FCF MarginFCF / Revenue | 8.3% | 6.7% |
| Capex IntensityCapex / Revenue | 2.0% | 1.0% |
| Cash ConversionOCF / Net Profit | 0.88× | — |
| TTM Free Cash FlowTrailing 4 quarters | $121.7M | $75.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.1M | $29.3M | ||
| Q3 25 | $51.3M | $29.2M | ||
| Q2 25 | $34.8M | $15.0M | ||
| Q1 25 | $36.9M | $16.0M | ||
| Q4 24 | $26.0M | $23.7M | ||
| Q3 24 | $43.3M | $15.3M | ||
| Q2 24 | $33.7M | $6.9M | ||
| Q1 24 | $15.1M | $2.4M |
| Q4 25 | $31.7M | $25.3M | ||
| Q3 25 | $35.7M | $23.9M | ||
| Q2 25 | $25.7M | $12.0M | ||
| Q1 25 | $28.6M | $14.0M | ||
| Q4 24 | $20.4M | $21.8M | ||
| Q3 24 | $24.4M | $13.4M | ||
| Q2 24 | $30.5M | $4.0M | ||
| Q1 24 | $8.6M | $-631.0K |
| Q4 25 | 8.3% | 6.7% | ||
| Q3 25 | 10.6% | 6.5% | ||
| Q2 25 | 8.3% | 3.4% | ||
| Q1 25 | 9.3% | 4.1% | ||
| Q4 24 | 6.4% | 6.5% | ||
| Q3 24 | 8.3% | 4.1% | ||
| Q2 24 | 10.8% | 1.3% | ||
| Q1 24 | 3.0% | -0.2% |
| Q4 25 | 2.0% | 1.0% | ||
| Q3 25 | 4.6% | 1.4% | ||
| Q2 25 | 2.9% | 0.8% | ||
| Q1 25 | 2.7% | 0.6% | ||
| Q4 24 | 1.8% | 0.6% | ||
| Q3 24 | 6.4% | 0.6% | ||
| Q2 24 | 1.1% | 0.9% | ||
| Q1 24 | 2.3% | 1.0% |
| Q4 25 | 0.88× | — | ||
| Q3 25 | 1.92× | — | ||
| Q2 25 | 1.31× | — | ||
| Q1 25 | 1.45× | — | ||
| Q4 24 | 0.84× | — | ||
| Q3 24 | 2.85× | — | ||
| Q2 24 | 1.88× | — | ||
| 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% |
TRUP
| Subscriptionbusiness | $261.4M | 69% |
| Other | $115.4M | 31% |
