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Side-by-side financial comparison of EZCORP INC (EZPW) and UDR, Inc. (UDR). Click either name above to swap in a different company.
UDR, Inc. is the larger business by last-quarter revenue ($425.8M vs $382.0M, roughly 1.1× EZCORP INC). UDR, Inc. runs the higher net margin — 44.6% vs 11.6%, a 33.0% gap on every dollar of revenue. On growth, EZCORP INC posted the faster year-over-year revenue change (19.3% vs 0.9%). Over the past eight quarters, EZCORP INC's revenue compounded faster (15.6% CAGR vs 1.3%).
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.
UDR, Inc. is a leading U.S.-headquartered real estate investment trust specializing in owning, operating, and redeveloping high-quality multifamily residential apartment communities. It operates across major U.S. metropolitan markets, catering to a diverse tenant base including young professionals, families, and middle-to-high income households.
EZPW vs UDR — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $382.0M | $425.8M |
| Net Profit | $44.3M | $189.8M |
| Gross Margin | 58.4% | — |
| Operating Margin | 15.9% | 54.0% |
| Net Margin | 11.6% | 44.6% |
| Revenue YoY | 19.3% | 0.9% |
| Net Profit YoY | 42.8% | 147.2% |
| EPS (diluted) | $0.55 | $0.63 |
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.
| Q1 26 | — | $425.8M | ||
| Q4 25 | $382.0M | $433.1M | ||
| Q3 25 | $336.8M | $431.9M | ||
| Q2 25 | $311.0M | $425.4M | ||
| Q1 25 | $306.3M | $421.9M | ||
| Q4 24 | $320.2M | $422.7M | ||
| Q3 24 | $294.6M | $420.2M | ||
| Q2 24 | $281.4M | $415.3M |
| Q1 26 | — | $189.8M | ||
| Q4 25 | $44.3M | $222.9M | ||
| Q3 25 | $26.7M | $40.4M | ||
| Q2 25 | $26.5M | $37.7M | ||
| Q1 25 | $25.4M | $76.7M | ||
| Q4 24 | $31.0M | $-5.0M | ||
| Q3 24 | $15.2M | $22.6M | ||
| Q2 24 | $17.9M | $28.9M |
| Q1 26 | — | — | ||
| 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 26 | — | 54.0% | ||
| Q4 25 | 15.9% | 64.1% | ||
| Q3 25 | 11.0% | 17.7% | ||
| Q2 25 | 11.6% | 18.2% | ||
| Q1 25 | 11.2% | 29.0% | ||
| Q4 24 | 13.1% | 15.7% | ||
| Q3 24 | 8.8% | 16.6% | ||
| Q2 24 | 7.9% | 16.5% |
| Q1 26 | — | 44.6% | ||
| Q4 25 | 11.6% | 51.5% | ||
| Q3 25 | 7.9% | 9.4% | ||
| Q2 25 | 8.5% | 8.9% | ||
| Q1 25 | 8.3% | 18.2% | ||
| Q4 24 | 9.7% | -220.5% | ||
| Q3 24 | 5.2% | 5.4% | ||
| Q2 24 | 6.4% | 7.0% |
| Q1 26 | — | $0.63 | ||
| Q4 25 | $0.55 | $0.67 | ||
| Q3 25 | $0.35 | $0.12 | ||
| Q2 25 | $0.34 | $0.11 | ||
| Q1 25 | $0.33 | $0.23 | ||
| Q4 24 | $0.40 | $-0.01 | ||
| Q3 24 | $0.20 | $0.06 | ||
| Q2 24 | $0.25 | $0.08 |
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 | $1.3M |
| Total DebtLower is stronger | $518.6M | — |
| Stockholders' EquityBook value | $1.1B | $3.3B |
| Total Assets | $2.0B | $10.3B |
| Debt / EquityLower = less leverage | 0.48× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $1.3M | ||
| Q4 25 | $465.9M | $1.2M | ||
| Q3 25 | $469.5M | $1.2M | ||
| Q2 25 | $472.1M | $1.5M | ||
| Q1 25 | $505.2M | $1.3M | ||
| Q4 24 | $174.5M | $1.3M | ||
| Q3 24 | $170.5M | $2.3M | ||
| Q2 24 | $218.0M | $2.8M |
| Q1 26 | — | — | ||
| Q4 25 | $518.6M | $5.8B | ||
| Q3 25 | $518.1M | $5.8B | ||
| Q2 25 | $517.6M | $5.8B | ||
| Q1 25 | $620.5M | $5.8B | ||
| Q4 24 | $327.7M | $5.8B | ||
| Q3 24 | $327.3M | $5.9B | ||
| Q2 24 | $361.3M | $5.8B |
| Q1 26 | — | $3.3B | ||
| Q4 25 | $1.1B | $3.3B | ||
| Q3 25 | $1.0B | $3.3B | ||
| Q2 25 | $990.1M | $3.3B | ||
| Q1 25 | $851.6M | $3.3B | ||
| Q4 24 | $823.9M | $3.4B | ||
| Q3 24 | $804.6M | $3.5B | ||
| Q2 24 | $801.5M | $3.7B |
| Q1 26 | — | $10.3B | ||
| Q4 25 | $2.0B | $10.6B | ||
| Q3 25 | $2.0B | $10.6B | ||
| Q2 25 | $1.9B | $10.6B | ||
| Q1 25 | $1.8B | $10.7B | ||
| Q4 24 | $1.5B | $10.9B | ||
| Q3 24 | $1.5B | $11.1B | ||
| Q2 24 | $1.5B | $11.1B |
| Q1 26 | — | — | ||
| Q4 25 | 0.48× | 1.77× | ||
| Q3 25 | 0.51× | 1.78× | ||
| Q2 25 | 0.52× | 1.74× | ||
| Q1 25 | 0.73× | 1.74× | ||
| Q4 24 | 0.40× | 1.69× | ||
| Q3 24 | 0.41× | 1.67× | ||
| Q2 24 | 0.45× | 1.55× |
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 | — |
| Free Cash FlowOCF − Capex | $31.7M | — |
| FCF MarginFCF / Revenue | 8.3% | — |
| Capex IntensityCapex / Revenue | 2.0% | 4.9% |
| Cash ConversionOCF / Net Profit | 0.88× | — |
| TTM Free Cash FlowTrailing 4 quarters | $121.7M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $39.1M | $902.9M | ||
| Q3 25 | $51.3M | $234.9M | ||
| Q2 25 | $34.8M | $250.3M | ||
| Q1 25 | $36.9M | $156.2M | ||
| Q4 24 | $26.0M | $876.8M | ||
| Q3 24 | $43.3M | $230.3M | ||
| Q2 24 | $33.7M | $238.5M |
| Q1 26 | — | — | ||
| Q4 25 | $31.7M | $650.0M | ||
| Q3 25 | $35.7M | $164.6M | ||
| Q2 25 | $25.7M | $190.1M | ||
| Q1 25 | $28.6M | $103.2M | ||
| Q4 24 | $20.4M | $627.0M | ||
| Q3 24 | $24.4M | $161.3M | ||
| Q2 24 | $30.5M | $171.1M |
| Q1 26 | — | — | ||
| Q4 25 | 8.3% | 150.1% | ||
| Q3 25 | 10.6% | 38.1% | ||
| Q2 25 | 8.3% | 44.7% | ||
| Q1 25 | 9.3% | 24.5% | ||
| Q4 24 | 6.4% | 148.3% | ||
| Q3 24 | 8.3% | 38.4% | ||
| Q2 24 | 10.8% | 41.2% |
| Q1 26 | — | 4.9% | ||
| Q4 25 | 2.0% | 58.4% | ||
| Q3 25 | 4.6% | 16.3% | ||
| Q2 25 | 2.9% | 14.2% | ||
| Q1 25 | 2.7% | 12.6% | ||
| Q4 24 | 1.8% | 59.1% | ||
| Q3 24 | 6.4% | 16.4% | ||
| Q2 24 | 1.1% | 16.2% |
| Q1 26 | — | — | ||
| Q4 25 | 0.88× | 4.05× | ||
| Q3 25 | 1.92× | 5.81× | ||
| Q2 25 | 1.31× | 6.64× | ||
| Q1 25 | 1.45× | 2.04× | ||
| Q4 24 | 0.84× | — | ||
| Q3 24 | 2.85× | 10.19× | ||
| Q2 24 | 1.88× | 8.26× |
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% |
UDR
| Rental income | $423.3M | 99% |
| Joint venture management and other fees | $2.5M | 1% |
