Olympus XZ-1 vs Panasonic TZ95

The Olympus XZ-1 and the Panasonic Lumix DC-TZ95 (labelled Panasonic ZS80 in some countries) are two digital cameras that were officially introduced, respectively, in January 2011 and February 2019. Both the XZ-1 and the TZ95 are fixed lens compact cameras that are based on a 1/1.7-inch (XZ-1) and a 1/2.3-inch (TZ95) sensor. The Olympus has a resolution of 10.1 megapixels, whereas the Panasonic provides 20.2 MP.

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

Headline Specifications

Olympus XZ-1		Panasonic TZ95
Fixed lens compact camera		Fixed lens compact camera
28-112mm f/1.8-2.5		24-720mm f/3.3-6.4
10.1 MP – 1/1.7" sensor		20.2 MP – 1/2.3" sensor
720/30p Video		4K/30p Video
ISO 100-6,400		ISO 80-3,200 (80 - 6,400)
Viewfinder optional		Electronic viewfinder (2330k dots)
3.0" LCD – 614k dots		3.0" LCD – 1040k dots
Fixed screen (not touch-sensitive)		Tilting touchscreen
2 shutter flaps per second		10 shutter flaps per second
In-body stabilization		Lens-based stabilization
320 shots per battery charge		380 shots per battery charge
111 x 65 x 42 mm, 275 g		112 x 69 x 42 mm, 327 g

Check XZ-1 offers at
ebay.com
Check TZ95 offers at
ebay.com

Going beyond this snapshot of core features and characteristics, what are the differences between the Olympus XZ-1 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

The side-by-side display below illustrates the physical size and weight of the Olympus XZ-1 and the Panasonic TZ95. The two cameras are presented according to their relative size. Three consecutive perspectives from the front, the top, and the back are available. All width, height and depth dimensions are rounded to the nearest millimeter.

The XZ-1 can be obtained in two different colors (black, white), while the TZ95 is also available in two color-versions, but different ones (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 larger (7 percent) than the Olympus XZ-1. Moreover, the TZ95 is markedly heavier (19 percent) than the XZ-1. In this context, it is worth noting that neither the XZ-1 nor the TZ95 are weather-sealed.

The power pack in the TZ95 can be charged via the USB port, which can be very convenient when travelling.

The adjacent table lists the principal physical characteristics of the two cameras alongside a wider set of alternatives. If you want to switch the focus of the display and review another camera pair, you can move across to the CAM-parator tool and choose from the broad selection of possible camera comparisons there.

Body Specifications

		Camera Model	Camera Width	Camera Height	Camera Depth	Camera Weight	Battery Life	Weather Sealing	Camera Launch	Launch Price (USD)	Street Price
1.		Olympus XZ-1	111 mm	65 mm	42 mm	275 g	320	n	Jan 2011	499	ebay.com
2.		Panasonic TZ95	112 mm	69 mm	42 mm	327 g	380	n	Feb 2019	449	ebay.com
3.		Canon SX740	110 mm	64 mm	40 mm	299 g	265	n	Jul 2018	399	amazon.com
4.		Fujifilm XF10	113 mm	64 mm	41 mm	279 g	330	n	Jul 2018	499	ebay.com
5.		Olympus E-PL1	115 mm	72 mm	42 mm	334 g	290	n	Feb 2010	599	ebay.com
6.		Olympus E-PL3	110 mm	64 mm	37 mm	313 g	300	n	Jun 2011	599	ebay.com
7.		Olympus E-PM1	110 mm	64 mm	34 mm	265 g	330	n	Jun 2011	499	ebay.com
8.		Olympus E-PM2	110 mm	64 mm	34 mm	269 g	360	n	Sep 2012	499	ebay.com
9.		Olympus TG-5	113 mm	66 mm	32 mm	250 g	340	Y	May 2017	449	ebay.com
10.		Olympus XZ-2	113 mm	65 mm	48 mm	346 g	340	n	Sep 2012	599	ebay.com
11.		Panasonic FT7	117 mm	76 mm	37 mm	319 g	300	Y	May 2018	449	ebay.com
12.		Panasonic FZ150	124 mm	82 mm	92 mm	528 g	410	n	Aug 2011	499	ebay.com
13.		Panasonic FZ200	125 mm	87 mm	110 mm	588 g	540	n	Jul 2012	599	ebay.com
14.		Panasonic LX5	110 mm	65 mm	43 mm	271 g	400	n	Jul 2010	499	ebay.com
15.		Panasonic LX7	111 mm	68 mm	46 mm	298 g	330	n	Jul 2012	499	ebay.com
16.		Panasonic LX100 II	115 mm	66 mm	65 mm	392 g	300	n	Aug 2018	999	ebay.com
17.		Panasonic TZ90	112 mm	67 mm	41 mm	322 g	380	n	Apr 2017	449	ebay.com
Note: Measurements and pricing do not include easily detachable parts, such as add-on or interchangeable lenses or optional viewfinders.
Convert to Imperial

Any camera decision will obviously take relative prices into account. 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 somewhat cheaper (by 10 percent) than the XZ-1 at launch, but both cameras fall into the same price category. 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. Then, after the new model is out, very good deals can frequently be found on the pre-owned market.

Sensor comparison

The size of the sensor inside a digital camera is one of the key determinants of image quality. All other things equal, a large sensor will have larger individual pixel-units that offer better low-light sensitivity, wider dynamic range, and richer color-depth than smaller pixels in a sensor of the same technological generation. Further, a large sensor camera will give the photographer additional creative options when using shallow depth-of-field to isolate a subject from its 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 XZ-1 features a 1/1.7-inch sensor and the Panasonic TZ95 a 1/2.3-inch sensor. The sensor area in the TZ95 is 39 percent smaller. As a result of these sensor size differences, the cameras have a format factor of, respectively, 4.4 and 5.6. Both cameras feature a native aspect ratio (sensor width to sensor height) of 4:3.

Despite having a smaller sensor, the TZ95 offers a higher resolution of 20.2 megapixels, compared with 10.1 MP of the XZ-1. This megapixels advantage comes at the cost of a higher pixel density and a smaller size of the individual pixel (with a pixel pitch of 1.18μm versus 2.13μm for the XZ-1). However, it should be noted that the TZ95 is much more recent (by 8 years and 1 month) than the XZ-1, and its sensor will have benefitted from technological advances during this time that make it possible to gather light more efficiently. Coming back to sensor resolution, it should be mentioned that the TZ95 has no anti-alias filter installed, so that it can capture all the detail its sensor resolves.

The resolution advantage of the Panasonic TZ95 implies greater flexibility for cropping images or the possibility to print larger pictures. The maximum print size of the TZ95 for good quality output (200 dots per inch) amounts to 25.9 x 19.4 inches or 65.8 x 49.4 cm, for very good quality (250 dpi) 20.7 x 15.6 inches or 52.7 x 39.5 cm, and for excellent quality (300 dpi) 17.3 x 13 inches or 43.9 x 32.9 cm. The corresponding values for the Olympus XZ-1 are 18.3 x 13.8 inches or 46.5 x 35 cm for good quality, 14.7 x 11 inches or 37.2 x 28 cm for very good quality, and 12.2 x 9.2 inches or 31 x 23.3 cm for excellent quality prints.

The Olympus XZ-1 has a native sensitivity range from ISO 100 to ISO 6400. 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 XZ-1 is build around a CCD 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.

For many cameras, data on sensor performance has been reported by DXO Mark. This service assesses and scores the color depth ("DXO Portrait"), dynamic range ("DXO Landscape"), and low-light sensitivity ("DXO Sports") of camera sensors, and also publishes an overall camera score. 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 XZ-1	1/1.7	10.1	3664	2752	720/30p	18.8	10.4	117	34
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-PL1	Four Thirds	12.2	4032	3024	720/30p	21.5	10.1	487	54
6.		Olympus E-PL3	Four Thirds	12.2	4032	3024	1080/60i	20.9	10.3	499	52
7.		Olympus E-PM1	Four Thirds	12.2	4032	3024	1080/60i	21.0	10.3	499	52
8.		Olympus E-PM2	Four Thirds	15.9	4608	3456	1080/30p	22.7	12.2	932	72
9.		Olympus TG-5	1/2.3	12.0	4000	3000	4K/30p	20.5	11.9	934	50
10.		Olympus XZ-2	1/1.7	11.8	3968	2976	1080/30p	20.4	11.3	216	49
11.		Panasonic FT7	1/2.3	20.2	5184	3888	4K/30p	20.6	12.1	1028	51
12.		Panasonic FZ150	1/2.3	12.0	4000	3000	1080/60p	19.4	10.9	132	40
13.		Panasonic FZ200	1/2.3	12.0	4000	3000	1080/60p	19.1	10.8	114	37
14.		Panasonic LX5	1/1.7	10.0	3648	2736	720/60p	19.6	10.8	132	41
15.		Panasonic LX7	1/1.7	10.0	3648	2736	1080/60p	20.7	11.7	147	50
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 cannot only take still pictures, but also record videos. The two cameras under consideration both have sensors whose read-out speed is fast enough to capture moving pictures, but the TZ95 provides a better video resolution than the XZ-1. It can shoot movie footage at 4K/30p, while the Olympus is limited to 720/30p.

Feature comparison

Apart from body and sensor, cameras can and do differ across a variety of features. For example, the TZ95 has an electronic viewfinder (2330k dots), which can be very helpful when shooting in bright sunlight. In contrast, the XZ-1 relies on live view and the rear LCD for framing. That said, the XZ-1 can be equipped with an optional viewfinder – the VF-2. The adjacent table lists some of the other core features of the Olympus XZ-1 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 XZ-1	optional	n	3.0 / 614	fixed	n	1/2000s	2.0/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-PL1	optional	n	2.7 / 230	fixed	n	1/2000s	3.0/s	Y	Y
6.		Olympus E-PL3	optional	n	3.0 / 460	tilting	n	1/4000s	5.5/s	n	Y
7.		Olympus E-PM1	optional	n	3.0 / 460	fixed	n	1/4000s	5.5/s	n	Y
8.		Olympus E-PM2	optional	n	3.0 / 460	fixed	Y	1/4000s	8.0/s	n	Y
9.		Olympus TG-5	none	n	3.0 / 460	fixed	n	1/2000s	20.0/s	Y	Y
10.		Olympus XZ-2	optional	n	3.0 / 920	tilting	Y	1/2000s	5.0/s	Y	Y
11.		Panasonic FT7	1170	n	3.0 / 1040	fixed	n	1/1300s	10.0/s	Y	Y
12.		Panasonic FZ150	202	n	3.0 / 460	swivel	n	1/2000s	12.0/s	Y	Y
13.		Panasonic FZ200	1312	n	3.0 / 460	swivel	n	1/4000s	12.0/s	Y	Y
14.		Panasonic LX5	optional	n	3.0 / 460	fixed	n	1/4000s	2.5/s	Y	Y
15.		Panasonic LX7	optional	n	3.0 / 920	fixed	n	1/4000s	11.0/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.

One differentiating feature between the two cameras concerns the touch sensitivity of the rear screen. The TZ95 has a touchscreen, while the XZ-1 has a conventional panel. Touch control can be particularly helpful, for example, for setting the focus point.

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, the TZ95 is one of those camera that have an additional 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 XZ-1 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.

Both the XZ-1 and the TZ95 have zoom lenses built in. The XZ-1 has a 28-112mm f/1.8-2.5 optic and the TZ95 offers a 24-720mm f/3.3-6.4 (focal lengths in full frame equivalent terms). Hence, the Panasonic provides a wider angle of view at the short end, as well as more tele-photo reach at the long end than the Olympus. The XZ-1 offers the faster maximum aperture.

Concerning the storage of imaging data, both the XZ-1 and the TZ95 write their files to SDXC cards. The TZ95 supports UHS-I cards (Ultra High Speed data transfer of up to 104 MB/s), while the XZ-1 cannot take advantage of Ultra High Speed SD cards.

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 XZ-1 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 XZ-1	Y	mono / -	-	-	mini	2.0	-	-	-
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-PL1	Y	stereo / -	-	-	mini	2.0	-	-	-
6.		Olympus E-PL3	Y	stereo / -	-	-	mini	2.0	-	-	-
7.		Olympus E-PM1	Y	stereo / mono	-	-	mini	2.0	-	-	-
8.		Olympus E-PM2	Y	stereo / mono	-	-	mini	2.0	-	-	-
9.		Olympus TG-5	-	stereo / mono	-	-	micro	2.0	Y	-	-
10.		Olympus XZ-2	Y	stereo / mono	-	-	mini	2.0	-	-	-
11.		Panasonic FT7	-	stereo / mono	-	-	micro	2.0	Y	-	-
12.		Panasonic FZ150	Y	stereo / -	-	-	mini	2.0	-	-	-
13.		Panasonic FZ200	Y	stereo / mono	Y	-	mini	2.0	-	-	-
14.		Panasonic LX5	Y	mono / mono	-	-	mini	2.0	-	-	-
15.		Panasonic LX7	Y	stereo / mono	-	-	mini	2.0	-	-	-
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 XZ-1 has a hotshoe, while the TZ95 does not. This socket makes it possible to easily attach optional accessories, such as an external flash gun.

Both the XZ-1 and the TZ95 have been discontinued, but can regularly be found used on ebay. The XZ-1 was replaced by the Olympus XZ-2, while the TZ95 does not have a direct successor. Further information on the features and operation of the XZ-1 and TZ95 can be found, respectively, in the Olympus XZ-1 Manual (free pdf) or the online Panasonic TZ95 Manual.

Review summary

So what conclusions can be drawn? Is there a clear favorite between the Olympus XZ-1 and the Panasonic TZ95? Which camera is better? The listing below highlights the relative strengths of the two models.

Advantages of the Olympus XZ-1:

• Better moiré control: Has an anti-alias filter to avoid artificial patterns to appear in images.
• Easier time-lapse photography: Has an intervalometer built-in for low frequency shooting.
• Better light gathering: Has a lens with a wider maximum aperture (f/1.8 vs f/3.3).
• Less heavy: Is lighter (by 52g or 16 percent) and hence easier to carry around.
• Better lighting: Features a hotshoe and can thus hold and trigger an external flash gun.
• More heavily discounted: Has been available for much longer (launched in January 2011).

Arguments in favor of the Panasonic Lumix DC-TZ95:

• More detail: Has more megapixels (20.2 vs 10.1MP), which boosts linear resolution by 41%.
• Maximized detail: Lacks an anti-alias filter to exploit the sensor's full resolution potential.
• Better video: Provides higher definition movie capture (4K/30p vs 720/30p).
• Easier framing: Has an electronic viewfinder for image composition and settings control.
• More detailed LCD: Has a higher resolution rear screen (1040k vs 614k dots).
• More flexible LCD: Has a tilting screen for odd-angle shots in landscape orientation.
• Fewer buttons to press: Has a touchscreen to facilitate handling and shooting adjustments.
• More selfie-friendly: Has an articulated screen that can be turned to be front-facing.
• Faster burst: Shoots at higher frequency (10 vs 2 flaps/sec) to capture the decisive moment.
• Less disturbing: Has an electronic shutter option for completely silent shooting.
• Wider view: Has a wider-angle lens that facilitates landscape or interior shots.
• More tele-reach: Has a longer tele-lens for perspective compression and subject magnification.
• Longer lasting: Gets more shots (380 versus 320) out of a single battery charge.
• Easier travel charging: Can be conveniently charged via its USB port.
• Easier file upload: Has wifi built in for automatic backup or image transfer to the web.
• Easier wireless transfer: Supports Bluetooth for image sharing without cables.
• Faster buffer clearing: Has an SD card interface that supports the UHS-I standard.
• More modern: Reflects 8 years and 1 month of technical progress since the XZ-1 launch.

If the number of relative strengths (bullet points above) is taken as a guide, the TZ95 is the clear winner of the contest (18 : 6 points). However, the relative importance of the various individual camera aspects will vary according to personal preferences and needs, so that you might like to apply corresponding weights to the particular features before making a decision on a new camera. A professional wildlife photographer will view the differences between cameras in a way that diverges from the perspective of a family photog, and a person interested in architecture has distinct needs from a sports 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 XZ-1 and the Panasonic TZ95 place the cameras among the top in their class? Find out in the latest Best Travel-Zoom Camera and Best Superzoom Camera listings whether the two cameras rank among the cream of the crop.

In any case, while the specs-based evaluation of cameras can be instructive in revealing their potential as photographic tools, it remains partial and cannot reveal, for example, the shooting experience and imaging performance when actually working with the XZ-1 or the TZ95. User reviews that are available, for instance, at amazon can sometimes shed light on these issues, but such feedback is all too often partial, inconsistent, and inaccurate.

Expert reviews

This is where reviews by experts come in. The adjacent summary-table relays the overall verdicts of several of the most popular camera 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 (USD)	Street Price
1.		Olympus XZ-1	4/5	..	..	74/100	4.5/5	4.5/5	Jan 2011	499	ebay.com
2.		Panasonic TZ95	..	+ +	..	..	4.5/5	..	Feb 2019	449	ebay.com
3.		Canon SX740	..	+	3.5/5	..	4/5	4/5	Jul 2018	399	amazon.com
4.		Fujifilm XF10	..	..	4/5	75/100	4/5	4.5/5	Jul 2018	499	ebay.com
5.		Olympus E-PL1	..	86/100	..	69/100	4/5	4.5/5	Feb 2010	599	ebay.com
6.		Olympus E-PL3	3/5	+ +	..	72/100	4.5/5	4/5	Jun 2011	599	ebay.com
7.		Olympus E-PM1	..	86/100	..	71/100	4.5/5	4.5/5	Jun 2011	499	ebay.com
8.		Olympus E-PM2	3/5	..	..	77/100	5/5	4.5/5	Sep 2012	499	ebay.com
9.		Olympus TG-5	..	+ +	4.5/5	..	4/5	4/5	May 2017	449	ebay.com
10.		Olympus XZ-2	4/5	+	..	..	4.5/5	4.5/5	Sep 2012	599	ebay.com
11.		Panasonic FT7	..	+	..	..	3.5/5	3.5/5	May 2018	449	ebay.com
12.		Panasonic FZ150	3/5	+ +	..	76/100	4/5	4.5/5	Aug 2011	499	ebay.com
13.		Panasonic FZ200	3/5	+ +	..	80/100	4.5/5	4.5/5	Jul 2012	599	ebay.com
14.		Panasonic LX5	4/5	+	..	73/100	4.5/5	4.5/5	Jul 2010	499	ebay.com
15.		Panasonic LX7	3/5	+ +	..	75/100	4/5	4.5/5	Jul 2012	499	ebay.com
16.		Panasonic LX100 II	4.5/5	+	4.2/5	82/100	4.5/5	4.5/5	Aug 2018	999	ebay.com
17.		Panasonic TZ90	..	+ +	4/5	..	4/5	4/5	Apr 2017	449	ebay.com
Note: (+ +) highly recommended; (+) recommended; (o) reviewed; (..) not available.

Care should be taken when interpreting the review scores above, though. The ratings were established in reference to similarly priced cameras that were available in the market at the time of the review. Thus, a score needs to be put into the context of the launch date and the launch price of the camera, and comparing ratings of very distinct cameras or ones that are far apart in terms of their release date have little meaning. 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

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