Olympus E-M10 IV vs Panasonic TZ95

The Olympus OM-D E-M10 Mark IV and the Panasonic Lumix DC-TZ95 (labelled Panasonic ZS80 in some countries) are two digital cameras that were revealed to the public, respectively, in August 2020 and February 2019. The E-M10 IV is a mirrorless interchangeable lens camera, while the TZ95 is a fixed lens compact. The cameras are based on a Four Thirds (E-M10 IV) and a 1/2.3-inch (TZ95) sensor. Both cameras offer a resolution of 20.2 megapixels.

Below is an overview of the main specs of the two cameras as a starting point for the comparison.

Headline Specifications

Olympus E-M10 IV		Panasonic TZ95
Mirrorless system camera		Fixed lens compact camera
Micro Four Thirds lenses		24-720mm f/3.3-6.4
20.2 MP – Four Thirds sensor		20.2 MP – 1/2.3" sensor
4K/30p Video		4K/30p Video
ISO 200-25,600		ISO 80-3,200 (80 - 6,400)
Electronic viewfinder (2360k dots)		Electronic viewfinder (2330k dots)
3.0" LCD – 1040k dots		3.0" LCD – 1040k dots
Tilting touchscreen		Tilting touchscreen
15 shutter flaps per second		10 shutter flaps per second
In-body stabilization		Lens-based stabilization
360 shots per battery charge		380 shots per battery charge
122 x 84 x 49 mm, 383 g		112 x 69 x 42 mm, 327 g

Check E-M10 IV price at
amazon.com
Check TZ95 offers at
ebay.com

Going beyond this snapshot of core features and characteristics, what are the differences between the Olympus OM-D E-M10 Mark IV and the Panasonic Lumix DC-TZ95? Which one should you buy? Read on to find out how these two cameras compare with respect to their body size, their imaging sensors, their shooting features, their input-output connections, and their reception by expert reviewers.

Body comparison

An illustration of the physical size and weight of the Olympus E-M10 IV and the Panasonic TZ95 is provided in the side-by-side display below. The two cameras are presented according to their relative size. Three successive views from the front, the top, and the rear are shown. All width, height and depth dimensions are rounded to the nearest millimeter.

Both cameras are available in two different colors (black, silver).

If the front view area (width x height) of the cameras is taken as an aggregate measure of their size, the Panasonic TZ95 is notably smaller (25 percent) than the Olympus E-M10 IV. In this context, it is worth noting that neither the E-M10 IV nor the TZ95 are weather-sealed.

The above size and weight comparisons are to some extent incomplete and possibly misleading, as the TZ95 has a lens built in, whereas the E-M10 IV is an interchangeable lens camera that requires a separate lens. Attaching the latter will add extra weight and bulk to the setup. You can compare the optics available for the E-M10 IV and their specifications in the Micro Four Thirds Lens Catalog.

Concerning battery life, the E-M10 IV gets 360 shots out of its Olympus BLS-50 battery, while the TZ95 can take 380 images on a single charge of its Panasonic DMW-BLG10 power pack. The battery packs of both cameras can be charged via USB, which can be very convenient when travelling.

The following table provides a synthesis of the main physical specifications of the two cameras and other similar ones. If you would like to visualize and compare a different camera combination, you can navigate to the CAM-parator app and make your selection from a broad list of cameras there.

Body Specifications

		Camera Model	Camera Width	Camera Height	Camera Depth	Camera Weight	Battery Life	Weather Sealing	Camera Launch	Launch Price	Street Price
1.		Olympus E-M10 IV	122 mm	84 mm	49 mm	383 g	360	n	Aug 2020	US$ 699	amazon.com
2.		Panasonic TZ95	112 mm	69 mm	42 mm	327 g	380	n	Feb 2019	US$ 449	ebay.com
3.		Canon SX740	110 mm	64 mm	40 mm	299 g	265	n	Jul 2018	US$ 399	amazon.com
4.		Fujifilm XF10	113 mm	64 mm	41 mm	279 g	330	n	Jul 2018	US$ 499	ebay.com
5.		Olympus E-M5 III	125 mm	85 mm	50 mm	414 g	310	Y	Oct 2019	US$ 1 199	ebay.com
6.		Olympus E-M10	119 mm	82 mm	46 mm	396 g	320	n	Jan 2014	US$ 699	ebay.com
7.		Olympus E-M10 II	120 mm	83 mm	47 mm	390 g	320	n	Aug 2015	US$ 649	ebay.com
8.		Olympus E-M10 III	122 mm	84 mm	50 mm	410 g	330	n	Aug 2017	US$ 649	ebay.com
9.		Olympus E-P7	118 mm	69 mm	38 mm	337 g	360	n	Jun 2021	US$ 799	amazon.com
10.		Olympus E-PL7	115 mm	67 mm	38 mm	357 g	350	n	Aug 2014	US$ 599	ebay.com
11.		Olympus E-PL8	115 mm	67 mm	38 mm	357 g	350	n	Sep 2016	US$ 549	ebay.com
12.		Olympus E-PL9	117 mm	68 mm	39 mm	380 g	350	n	Feb 2018	US$ 599	ebay.com
13.		Olympus E-PL10	117 mm	68 mm	39 mm	380 g	350	n	Oct 2019	US$ 599	ebay.com
14.		Olympus PEN-F	125 mm	72 mm	37 mm	427 g	330	n	Jan 2016	US$ 1 199	ebay.com
15.		Panasonic FT7	117 mm	76 mm	37 mm	319 g	300	Y	May 2018	US$ 449	ebay.com
16.		Panasonic LX100 II	115 mm	66 mm	65 mm	392 g	300	n	Aug 2018	US$ 999	ebay.com
17.		Panasonic TZ90	112 mm	67 mm	41 mm	322 g	380	n	Apr 2017	US$ 449	ebay.com
Note: Measurements and pricing do not include easily detachable parts, such as add-on or interchangeable lenses or optional viewfinders.
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Any camera decision will naturally be influenced heavily by the price. The retail prices at the time of the camera’s release place the model in the market relative to other models in the producer’s line-up and the competition. The TZ95 was launched at a lower price than the E-M10 IV, despite having a lens built in. Usually, retail prices stay at first close to the launch price, but after several months, discounts become available. Later in the product cycle and, in particular, when the replacement model is about to appear, further discounting and stock clearance sales often push the camera price considerably down.

Sensor comparison

The imaging sensor is at the core of digital cameras and its size is one of the main determining factors of image quality. A large sensor will generally have larger individual pixels that offer better low-light sensitivity, provide wider dynamic range, and have richer color-depth than smaller pixels in a sensor of the same technological generation. Moreover, a large sensor camera will give the photographer more control over depth-of-field in the image and, thus, the ability to better isolate a subject from the background. On the downside, larger sensors tend to be more expensive and lead to bigger and heavier cameras and lenses.

Of the two cameras under consideration, the Olympus E-M10 IV features a Four Thirds sensor and the Panasonic TZ95 a 1/2.3-inch sensor. The sensor area in the TZ95 is 88 percent smaller. As a result of these sensor size differences, the cameras have a format factor of, respectively, 2.0 and 5.6. Both cameras feature a native aspect ratio (sensor width to sensor height) of 4:3.

Even though the E-M10 IV has a larger sensor, both cameras offer the same resolution of 20.2 megapixels. This implies that the E-M10 IV has a lower pixel density and larger individual pixels (with a pixel pitch of 3.34μm versus 1.18μm for the TZ95), which gives it a potential advantage in terms of light gathering capacity. In addition, the E-M10 IV is a somewhat more recent model (by 1 year and 5 months) than the TZ95, and its sensor might have benefitted from technological advances during this time. Coming back to sensor resolution, it should be mentioned that neither of the two cameras has an anti-alias filter installed, so they are able to capture all the detail the sensor resolves.

The Olympus OM-D E-M10 Mark IV has a native sensitivity range from ISO 200 to ISO 25600, which can be extended to ISO 100-25600. The corresponding ISO settings for the Panasonic Lumix DC-TZ95 are ISO 80 to ISO 3200, with the possibility to increase the ISO range to 80-6400.

In terms of underlying technology, the E-M10 IV is build around a CMOS sensor, while the TZ95 uses a BSI-CMOS imager. Both cameras use a Bayer filter for capturing RGB colors on a square grid of photosensors. This arrangement is found in most digital cameras.

Since 2007, DXO Mark has published sensor performance measurements that have been derived using a consistent methodology. This service determines an overall sensor rating, as well as sub-scores for low-light sensitivity ("DXO Sports"), dynamic range ("DXO Landscape"), and color depth ("DXO Portrait"). The following table provides an overview of the physical sensor characteristics, as well as the sensor quality measurements for a selection of comparators.

Sensor Characteristics

		Camera Model	Sensor Class	Resolution (MP)	Horiz. Pixels	Vert. Pixels	Video Format	DXO Portrait	DXO Landscape	DXO Sports	DXO Overall
1.		Olympus E-M10 IV	Four Thirds	20.2	5184	3888	4K/30p	23.3	13.2	1402	76
2.		Panasonic TZ95	1/2.3	20.2	5184	3888	4K/30p	20.7	12.2	1103	52
3.		Canon SX740	1/2.3	20.2	5184	3888	4K/30p	20.6	12.1	1050	51
4.		Fujifilm XF10	APS-C	24.0	6000	4000	4K/15p	24.0	13.4	1844	83
5.		Olympus E-M5 III	Four Thirds	20.2	5184	3888	4K/30p	23.3	13.1	1324	76
6.		Olympus E-M10	Four Thirds	15.9	4608	3456	1080/30p	22.8	12.3	884	72
7.		Olympus E-M10 II	Four Thirds	15.9	4608	3456	1080/60p	23.1	12.5	842	73
8.		Olympus E-M10 III	Four Thirds	15.9	4608	3456	4K/30p	23.1	12.8	1120	74
9.		Olympus E-P7	Four Thirds	20.2	5184	3888	4K/30p	23.4	13.3	1494	77
10.		Olympus E-PL7	Four Thirds	15.9	4608	3456	1080/30p	22.7	12.4	873	72
11.		Olympus E-PL8	Four Thirds	15.9	4608	3456	1080/30p	23.0	12.6	1030	73
12.		Olympus E-PL9	Four Thirds	15.9	4608	3456	4K/30p	23.1	12.8	1162	74
13.		Olympus E-PL10	Four Thirds	15.9	4608	3456	4K/30p	23.3	13.1	1324	76
14.		Olympus PEN-F	Four Thirds	20.2	5184	3888	1080/60p	23.1	12.4	894	74
15.		Panasonic FT7	1/2.3	20.2	5184	3888	4K/30p	20.6	12.1	1028	51
16.		Panasonic LX100 II	Four Thirds	16.8	4736	3552	4K/30p	22.8	12.7	979	72
17.		Panasonic TZ90	1/2.3	20.2	5184	3888	4K/30p	19.1	10.6	106	36
Note: DXO values in italics represent estimates based on sensor size and age.

Many modern cameras are not only capable of taking still images, but can also record movies. The two cameras under consideration both have sensors whose read-out speed is fast enough to capture moving pictures, and both provide the same movie specifications (4K/30p).

Feature comparison

Beyond body and sensor, cameras can and do differ across a range of features. The two cameras under consideration are similar with respect to both having an electronic viewfinder. However, the one in the E-M10 IV offers a slightly higher resolution than the one in the TZ95 (2360k vs 2330k dots). The adjacent table lists some of the other core features of the Olympus E-M10 IV and Panasonic TZ95 along with similar information for a selection of comparators.

Core Features

		Camera Model	Viewfinder (Type or 000 dots)	Control Panel (yes/no)	LCD Specifications (inch/000 dots)	LCD Attach- ment	Touch Screen (yes/no)	Max Shutter Speed *	Max Shutter Flaps *	Built-in Flash (yes/no)	Built-in Image Stab
1.		Olympus E-M10 IV	2360	n	3.0 / 1040	tilting	Y	1/4000s	15.0/s	Y	Y
2.		Panasonic TZ95	2330	n	3.0 / 1040	tilting	Y	1/2000s	10.0/s	Y	Y
3.		Canon SX740	none	n	3.0 / 922	tilting	n	1/3200s	10.0/s	Y	Y
4.		Fujifilm XF10	none	n	3.0 / 1040	fixed	Y	1/4000s	6.0/s	Y	n
5.		Olympus E-M5 III	2360	n	3.0 / 1040	swivel	Y	1/8000s	10.0/s	n	Y
6.		Olympus E-M10	1440	n	3.0 / 1037	tilting	Y	1/4000s	8.0/s	Y	Y
7.		Olympus E-M10 II	2360	n	3.0 / 1040	tilting	Y	1/4000s	8.0/s	Y	Y
8.		Olympus E-M10 III	2360	n	3.0 / 1040	tilting	Y	1/4000s	8.6/s	Y	Y
9.		Olympus E-P7	none	n	3.0 / 1040	tilting	Y	1/4000s	8.7/s	Y	Y
10.		Olympus E-PL7	optional	n	3.0 / 1037	tilting	Y	1/4000s	8.0/s	n	Y
11.		Olympus E-PL8	optional	n	3.0 / 1037	tilting	Y	1/4000s	8.0/s	n	Y
12.		Olympus E-PL9	none	n	3.0 / 1040	tilting	Y	1/4000s	8.6/s	Y	Y
13.		Olympus E-PL10	none	n	3.0 / 1040	tilting	Y	1/4000s	8.6/s	Y	Y
14.		Olympus PEN-F	2360	n	3.0 / 1037	swivel	Y	1/8000s	10.0/s	n	Y
15.		Panasonic FT7	1170	n	3.0 / 1040	fixed	n	1/1300s	10.0/s	Y	Y
16.		Panasonic LX100 II	2764	n	3.0 / 1240	fixed	Y	1/4000s	11.0/s	n	Y
17.		Panasonic TZ90	1166	n	3.0 / 1040	tilting	Y	1/2000s	10.0/s	Y	Y
Note: *) Information refers to the mechanical shutter, unless the camera only has an electronic one.

The reported shutter speed information refers to the use of the mechanical shutter. Yet, some cameras only have an electronic shutter, while others have an electronic shutter in addition to a mechanical one. In fact, both cameras under consideration feature an electronic shutter, which makes completely silent shooting possible. However, this mode is less suitable for photographing moving objects (risk of rolling shutter) or shooting under artificial light sources (risk of flickering).

The Olympus E-M10 IV has an intervalometer built-in. This enables the photographer to capture time lapse sequences, such as flower blooming, a sunset or moon rise, without purchasing an external camera trigger and related software.

Concerning the storage of imaging data, both the E-M10 IV and the TZ95 write their files to SDXC cards. The E-M10 IV supports UHS-II cards (Ultra High Speed data transfer of up to 312 MB/s), while the TZ95 can use UHS-I cards (up to 104 MB/s).

Connectivity comparison

For some imaging applications, the extent to which a camera can communicate with its environment can be an important aspect in the camera decision process. The table below provides an overview of the connectivity of the Olympus OM-D E-M10 Mark IV and Panasonic Lumix DC-TZ95 and, in particular, the interfaces the cameras (and selected comparators) provide for accessory control and data transfer.

Input-Output Connections

		Camera Model	Hotshoe Port	Internal Mic / Speaker	Microphone Port	Headphone Port	HDMI Port	USB Port	WiFi Support	NFC Support	Bluetooth Support
1.		Olympus E-M10 IV	Y	stereo / mono	-	-	micro	2.0	Y	-	Y
2.		Panasonic TZ95	-	stereo / mono	-	-	micro	2.0	Y	-	Y
3.		Canon SX740	-	stereo / mono	-	-	micro	2.0	Y	-	Y
4.		Fujifilm XF10	-	stereo / mono	Y	-	micro	2.0	Y	-	Y
5.		Olympus E-M5 III	Y	stereo / mono	Y	-	micro	2.0	Y	-	Y
6.		Olympus E-M10	Y	stereo / mono	-	-	micro	2.0	Y	-	-
7.		Olympus E-M10 II	Y	stereo / mono	-	-	micro	2.0	Y	-	-
8.		Olympus E-M10 III	Y	stereo / mono	-	-	micro	2.0	Y	-	-
9.		Olympus E-P7	Y	stereo / mono	-	-	micro	2.0	Y	-	Y
10.		Olympus E-PL7	Y	stereo / mono	-	-	micro	2.0	Y	-	-
11.		Olympus E-PL8	Y	stereo / mono	-	-	micro	2.0	Y	-	-
12.		Olympus E-PL9	Y	stereo / mono	-	-	micro	2.0	Y	-	Y
13.		Olympus E-PL10	Y	stereo / mono	-	-	micro	2.0	Y	-	Y
14.		Olympus PEN-F	Y	stereo / mono	-	-	micro	2.0	Y	-	-
15.		Panasonic FT7	-	stereo / mono	-	-	micro	2.0	Y	-	-
16.		Panasonic LX100 II	Y	stereo / mono	-	-	micro	2.0	Y	-	Y
17.		Panasonic TZ90	-	stereo / mono	-	-	micro	2.0	Y	-	-

It is notable that the E-M10 IV has a hotshoe, while the TZ95 does not. This socket makes it possible to easily attach optional accessories, such as an external flash gun.

The E-M10 IV is a recent model that features in the current product line-up of Olympus. In contrast, the TZ95 has been discontinued (but can be found pre-owned on ebay). There has not been a direct replacement model for the TZ95 from Panasonic. Further information on the features and operation of the E-M10 IV and TZ95 can be found, respectively, in the Olympus E-M10 IV Manual (free pdf) or the online Panasonic TZ95 Manual.

Review summary

So what is the bottom line? Which of the two cameras – the Olympus E-M10 IV or the Panasonic TZ95 – has the upper hand? Is one clearly better than the other? Below is a summary of the relative strengths of each of the two contestants.

Advantages of the Olympus OM-D E-M10 Mark IV:

• Better image quality: Features a larger and more technologically advanced imaging sensor.
• Richer colors: The sensor size advantage translates into images with better, more accurate colors.
• More dynamic range: Larger sensor captures a wider spectrum of light and dark details.
• Better low-light sensitivity: Larger sensor produces good images even in poorly lit environments.
• Larger viewfinder image: Features a viewfinder with a higher magnification (0.62x vs 0.53x).
• Faster shutter: Has higher mechanical shutter speed (1/4000s vs 1/2000s) to freeze action.
• Faster burst: Shoots at higher frequency (15 vs 10 flaps/sec) to capture the decisive moment.
• Easier time-lapse photography: Has an intervalometer built-in for low frequency shooting.
• More flexible: Accepts interchangeable lenses, so that lens characteristics can be altered.
• Better lighting: Features a hotshoe and can thus hold and trigger an external flash gun.
• Faster buffer clearing: Supports a more advanced SD data transfer standard (UHS-II vs UHS-I).
• More modern: Is somewhat more recent (announced 1 year and 5 months after the TZ95).

Arguments in favor of the Panasonic Lumix DC-TZ95:

• Ready to shoot: Has an integrated lens, whereas the E-M10 IV necessitates an extra lens.
• More compact: Is smaller (112x69mm vs 122x84mm) and will fit more readily into a bag.
• Less heavy: Has a lower weight even though it has a lens built in (unlike the E-M10 IV).
• More affordable: Was introduced at a lower price, despite coming with a built-in lens.
• More heavily discounted: Has been on the market for longer (launched in February 2019).

If the count of individual advantages (bullet points above) is taken as a guide, the E-M10 IV is the clear winner of the match-up (12 : 5 points). However, the pertinence of the various camera strengths will differ across photographers, so that you might want to weigh individual camera traits according to their importance for your own imaging needs before making a camera decision. A professional sports photographer will view the differences between cameras in a way that diverges from the perspective of a street photog, and a person interested in family portraits has distinct needs from a landscape shooter. Hence, the decision which camera is best and worth buying is often a very personal one.

How about other alternatives? Do the specifications of the Olympus E-M10 IV and the Panasonic TZ95 place the cameras among the top in their class? Find out in the latest Best Mirrorless Interchangeable Lens Camera and Best Superzoom Camera listings whether the two cameras rank among the cream of the crop.

In any case, while the comparison of the spec-sheets of cameras can offer a general idea of their imaging potential, it remains incomplete and does no justice, for example, to the way the E-M10 IV or the TZ95 perform in practice. At times, user reviews, such as those published at amazon, address these issues in a useful manner, but such feedback is on many occasions incomplete, inconsistent, and unreliable.

Expert reviews

This is where reviews by experts come in. The table below provides a synthesis of the camera assessments of some of the best known photo-gear review sites (amateurphotographer [AP], cameralabs [CL], digitalcameraworld [DCW], dpreview [DPR], ephotozine [EPZ], photographyblog [PB]). As can be seen, the professional reviewers agree in many cases on the quality of different cameras, but sometimes their assessments diverge, reinforcing the earlier point that a camera decision is often a very personal choice.

Expert Camera Reviews

		Camera   Model	AP   score	CL   score	DCW   score	DPR   score	EPZ   score	PB   score	Camera Launch	Launch Price	Street Price
1.		Olympus E-M10 IV	4.5/5	..	5/5	81/100	4.5/5	4.5/5	Aug 2020	US$ 699	amazon.com
2.		Panasonic TZ95	..	+ +	..	..	4.5/5	..	Feb 2019	US$ 449	ebay.com
3.		Canon SX740	..	+	3.5/5	..	4/5	4/5	Jul 2018	US$ 399	amazon.com
4.		Fujifilm XF10	..	..	4/5	75/100	4/5	4.5/5	Jul 2018	US$ 499	ebay.com
5.		Olympus E-M5 III	5/5	+	5/5	82/100	4.5/5	4.5/5	Oct 2019	US$ 1 199	ebay.com
6.		Olympus E-M10	4/5	..	..	80/100	5/5	5/5	Jan 2014	US$ 699	ebay.com
7.		Olympus E-M10 II	4.5/5	+ +	..	80/100	5/5	5/5	Aug 2015	US$ 649	ebay.com
8.		Olympus E-M10 III	..	+	5/5	80/100	4.5/5	4.5/5	Aug 2017	US$ 649	ebay.com
9.		Olympus E-P7	4/5	..	4.5/5	..	..	4.5/5	Jun 2021	US$ 799	amazon.com
10.		Olympus E-PL7	4/5	+	..	..	5/5	4/5	Aug 2014	US$ 599	ebay.com
11.		Olympus E-PL8	..	..	..	..	4.5/5	4/5	Sep 2016	US$ 549	ebay.com
12.		Olympus E-PL9	..	+	..	..	4.5/5	4/5	Feb 2018	US$ 599	ebay.com
13.		Olympus E-PL10	..	..	4/5	77/100	..	4/5	Oct 2019	US$ 599	ebay.com
14.		Olympus PEN-F	..	..	4/5	82/100	4.5/5	5/5	Jan 2016	US$ 1 199	ebay.com
15.		Panasonic FT7	..	+	..	..	3.5/5	3.5/5	May 2018	US$ 449	ebay.com
16.		Panasonic LX100 II	4.5/5	+	4.2/5	82/100	4.5/5	4.5/5	Aug 2018	US$ 999	ebay.com
17.		Panasonic TZ90	..	+ +	4/5	..	4/5	4/5	Apr 2017	US$ 449	ebay.com
Note: (+ +) highly recommended; (+) recommended; (o) reviewed; (..) not available.

Care should be taken when interpreting the review scores above, though. The assessments were made in relation to similar cameras of the same technological generation. A score, therefore, has to be seen in close connection to the price and market introduction time of the camera, and rating-comparisons among cameras that span long time periods or concern very differently equipped models make little sense. Also, kindly note that some of the listed sites have over time developped their review approaches and their reporting style.

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Other camera comparisons

Did this review help to inform your camera decision process? In case you are interested in seeing how other cameras pair up, just make a corresponding selection in the search boxes below. There is also a set of direct links to comparison reviews that other users of the CAM-parator app explored.

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