To begin, let's start with a very apropos anecdote from Lorentz himself. At a conference on the Michelson–Morley experiment in 1927 at which Lorentz and Michelson were present, Michelson suggested that Lorentz was the initiator of the theory of relativity. Lorentz then replied: "I considered my time transformation only as a heuristic working hypothesis. So the theory of relativity is really solely Einstein's work. And there can be no doubt that he would have conceived it even if the work of all his predecessors in the theory of this field had not been done at all. His work is in this respect independent of the previous theories." Lorentz, replying to Michelson at the Solvay Conference.
Poincaré never fully understood the mechanical relations of the coordinate system; because of this, he never correctly derived E=Mc2. Einstein knew of some of Lorentz and Poincare's work - though it is clear he did not have access to all of their principal works. He began with a simple geometric symmetry operating on one, and only one, guiding postulate, and from there derived a complete system from first principles: the speed of light is invariant and is the same for all frames of reference.
In addition to Lorentz and Poincarém, Fitzgerald and Maxwell also deserve credit for their contributions as well. The great physicist Wolfgang Pauli, the great historian of science T.S. Kuhn, and even Lorentz himself, famously credit Einstein alone for formulating the relativity principle. Poincaré was less generous, but that is probably because he never fully understood Einsteinian relativity and was mired in the Galilean conception of relativity in which there is always a privileged frame of reference. Poincaré was still trying to get relativity from Maxwell's equations, rather than derive the coordinate systems from the invariance of light speed. This is a huge difference. See below.
Special relativity was being groomed for discovery in 1905, but it was Einstein, and Einstein alone, who derived a complete system from first principles (using one fundamental postulate) and only he correctly derived E=mc2 from said postulate. Without his derivation of E=Mc2, the system falls apart. Poincaré, Lorentz, Fitzgerald, and Maxwell deserve 50% of the credit (as Einstein himself accepted), but that's like splitting hairs and pointing out that Descartes and Fermat deserve 70% of the credit for calculus when Newton and Leibniz were the first to integrate the various derivations of analytical geometry.
Lorentz actually misinterpreted his own transformations as applying to the Ether (in fact I think he derived them purposely to describe how the ether "reacts" in such a way as to be in accord with experiments (Michelson-Morley). So Einstein gets credit for being the first to correctly interpret the equations and do away with the Ether concept. Both Poincare and Lorentz believed in the aether - a non-trivial fact - which represents a privileged frame of reference (Galilean relativity) as opposed to a coordinate system that has NO preferred reference frame (Einsteinian relativity).
Einstein derived E=MC2 from first principle, notably that energy carries inertia from emitter to absorber, and the resulting rest frame that the separation "mass" and "energy" entails. This derivation of E=mC2 as a consequence of special relativity is epistemically critical to Dirac's later reconciliation of special relativity and quantum mechanics.
Einstein had the correct electrodynamic transformations in 1905, and the correct energy density and momentum density expressions, and the right relation between mass and energy. Poincare had all but the last, and this got him confused on several important points. Poincaré did not have spacetime geometry before Minkowski because: A) he did not define it through non-galilean relativity, B) Poincaré did not express particle motion in terms of a worldline, or define proper time as a worldline parameter. So inasmuch as spacetime geometry includes worldlines and proper time, Poincaré did not discover spacetime geometry. Einstein's complete systemization of the Lorentz transformations and the second order transformations essentially wove space and time together in a way that is non-Galilean (Poincare never got that far). Minkowski, took Einstein's interval relation and mathematized it in 4-d vectors (but again, it was already implied in Einstein's 1905 paper).
To borrow from Ron Maimon and Jonathan Svarttorn's dialogue, Poincaré noted a preference against using Minkowski spacetime. Another curiosa, Moskowzki sat in the audience at his Berlin lecture where Poincaré had talked about Einstein's work both in the positive and negative. The speech-transcript does not include any explicit mention of Einstein by name though, so we are left to assume he did a bit of adlib when talking about Einstein specifically. From Moskowzkis impression, it seems Poincaré did indeed regard Einstein's work as not only different to his but... too revolutionary and daring. See link: http://mathpages.com/home/kmath630/kmath630.htm
Einstein argued that a light pulse which is spherical in one inertial frame, is spherical in every inertial frame. According to Poincaré, a light pulse that is spherical in the above mentioned privileged frame is an elongated ellipsoid in every other inertial frame. The difference in description is due to that fact that Einstein recognized the relativity of spatio-temporal coordinates, when Poincaré did not. And, the aberration constant, Poincaré didn't derive it, Einstein did.
Although Poincaré understood independently of Einstein how the Lorentz transformations give rise to non-Galilean transformation rules for velocities (indeed Poincaré derived the correct relativistic rules), it is clear that he did not have a full appreciation of the modern operational significance attached to coordinate transformations. He did not seem to understand the role played by the second-order terms in the transformation. Compared with the cases of Lorentz and Larmor, it is clear that Poincaré did not fully understand either length contraction or time dilation to be a consequence of the coordinate transformation. What Poincaré was holding out for was no less than a new theory of ether and matter - something far more far-fetched than what appeared in Einstein's 1905 relativity paper. Einstein's rejection of the aether is important, but is not the pivotal difference between his conception of relativity and Lorentz/Poincare conceptions. Why? Because it is always possible to add for whatever reason the notion of a privileged frame to special relativity, as long as one accepts that it will remain unobservable. However, in addition to the examples given above, there are other new features in Einstein's work:
*The full meaning of relativistic kinematics was simply not properly understood before Einstein. Nor was the 'theory of relativity' as Einstein articulated it in 1905 anticipated even in its programmatic form. It is impossible to understand the full implications of Einstein's discovery of special relativity without taking on board the impacts of the quantum in physics (see Paul Dirac). In respect to the conventional nature of distant simultaneity, Einstein was doing little more than expanding on a theme that Poincaré had already introduced. Where Einstein goes well beyond the great mathematician is in his treatment of the coordinate transformations. In particular, the extraction of the phenomena of length contraction and time dilation directly from the Lorentz transformations in section 4 of the 1905 paper is completely original. The genius of Einstein's 1905 paper is that the modern, dynamical interpretation of special relativity - as opposed to the kinematical approach of Einstein's 1905 paper - is ALREADY contained in Einstein's 1905-paper "masqueraded in the language of kinematics" (Physicist Harvey Brown) and the modern understanding of space-time.
You cannot formulate General Relativity using Poincare/Lorentz's conceptualization of relativity. You can, and Einstein did, using Einsteinian SR. Differences, for instance, in how one obtains the conservation of mass in GR vary widely depending on whether you use Einstein's approach or Poincare/Lorentz. I hope this settles the debate once and for all. Until his death, Poicare never fully grasped the full implications of what Einstein had done. Lorentz, a man Einstein called "the smartest man I have ever known," eventually came around to it once General Relativity proved so successful.