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ASSURED GUARANTY LTD（AGO）与EZCORP INC（EZPW）财务数据对比。点击上方公司名可切换其他公司
EZCORP INC的季度营收约是ASSURED GUARANTY LTD的1.4倍（$382.0M vs $277.0M），ASSURED GUARANTY LTD净利率更高（43.0% vs 11.6%，领先31.4%），ASSURED GUARANTY LTD同比增速更快（77.6% vs 19.3%），过去两年EZCORP INC的营收复合增速更高（15.6% vs 6.3%）
Assured Guaranty旗下的Assured Investment Management（AIM）是一家主打信贷策略的机构资产管理公司，2023年7月停止运营时管理资产规模约152亿美元，曾被二级投资者评为全球最知名的对冲基金之一。
EZCORP是总部位于美国得克萨斯州奥斯汀的典当行运营商，业务覆盖美国及拉丁美洲地区，是美国第二大典当行运营商，仅次于Cash America International，目前在纳斯达克挂牌上市。
AGO vs EZPW — 直观对比
营收规模更大
EZPW
是对方的1.4倍
$277.0M
营收增速更快
AGO
高出58.2%
19.3%
净利率更高
AGO
高出31.4%
11.6%
两年增速更快
EZPW
近两年复合增速
6.3%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $277.0M | $382.0M |
| 净利润 | $119.0M | $44.3M |
| 毛利率 | — | 58.4% |
| 营业利润率 | 59.6% | 15.9% |
| 净利率 | 43.0% | 11.6% |
| 营收同比 | 77.6% | 19.3% |
| 净利润同比 | 561.1% | 42.8% |
| 每股收益（稀释后） | $2.56 | $0.55 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收AGOEZPW
| Q4 25 | $277.0M | $382.0M | ||
| Q3 25 | $207.0M | $336.8M | ||
| Q2 25 | $281.0M | $311.0M | ||
| Q1 25 | $345.0M | $306.3M | ||
| Q4 24 | $156.0M | $320.2M | ||
| Q3 24 | $269.0M | $294.6M | ||
| Q2 24 | $202.0M | $281.4M | ||
| Q1 24 | $245.0M | $285.6M |
净利润AGOEZPW
| Q4 25 | $119.0M | $44.3M | ||
| Q3 25 | $105.0M | $26.7M | ||
| Q2 25 | $103.0M | $26.5M | ||
| Q1 25 | $176.0M | $25.4M | ||
| Q4 24 | $18.0M | $31.0M | ||
| Q3 24 | $171.0M | $15.2M | ||
| Q2 24 | $78.0M | $17.9M | ||
| Q1 24 | $109.0M | $21.5M |
毛利率AGOEZPW
| 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 24 | — | 58.7% |
营业利润率AGOEZPW
| Q4 25 | 59.6% | 15.9% | ||
| Q3 25 | 65.2% | 11.0% | ||
| Q2 25 | 47.3% | 11.6% | ||
| Q1 25 | 66.4% | 11.2% | ||
| Q4 24 | 19.2% | 13.1% | ||
| Q3 24 | 81.8% | 8.8% | ||
| Q2 24 | 46.5% | 7.9% | ||
| Q1 24 | 58.8% | 9.6% |
净利率AGOEZPW
| Q4 25 | 43.0% | 11.6% | ||
| Q3 25 | 50.7% | 7.9% | ||
| Q2 25 | 36.7% | 8.5% | ||
| Q1 25 | 51.0% | 8.3% | ||
| Q4 24 | 11.5% | 9.7% | ||
| Q3 24 | 63.6% | 5.2% | ||
| Q2 24 | 38.6% | 6.4% | ||
| Q1 24 | 44.5% | 7.5% |
每股收益（稀释后）AGOEZPW
| Q4 25 | $2.56 | $0.55 | ||
| Q3 25 | $2.18 | $0.35 | ||
| Q2 25 | $2.08 | $0.34 | ||
| Q1 25 | $3.44 | $0.33 | ||
| Q4 24 | $0.40 | $0.40 | ||
| Q3 24 | $3.17 | $0.20 | ||
| Q2 24 | $1.41 | $0.25 | ||
| Q1 24 | $1.89 | $0.29 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $903.0M | $465.9M |
| 总债务越低越好 | $1.7B | $518.6M |
| 股东权益账面价值 | $5.7B | $1.1B |
| 总资产 | $12.2B | $2.0B |
| 负债/权益比越低杠杆越低 | 0.30× | 0.48× |
8季度趋势，按日历期对齐
现金及短期投资AGOEZPW
| Q4 25 | $903.0M | $465.9M | ||
| Q3 25 | $1.3B | $469.5M | ||
| Q2 25 | $939.0M | $472.1M | ||
| Q1 25 | $1.2B | $505.2M | ||
| Q4 24 | $1.2B | $174.5M | ||
| Q3 24 | $1.5B | $170.5M | ||
| Q2 24 | $1.7B | $218.0M | ||
| Q1 24 | $1.6B | $229.1M |
总债务AGOEZPW
| Q4 25 | $1.7B | $518.6M | ||
| Q3 25 | $1.7B | $518.1M | ||
| Q2 25 | $1.7B | $517.6M | ||
| Q1 25 | $1.7B | $620.5M | ||
| Q4 24 | $1.7B | $327.7M | ||
| Q3 24 | $1.7B | $327.3M | ||
| Q2 24 | $1.7B | $361.3M | ||
| Q1 24 | $1.7B | $360.9M |
股东权益AGOEZPW
| Q4 25 | $5.7B | $1.1B | ||
| Q3 25 | $5.7B | $1.0B | ||
| Q2 25 | $5.6B | $990.1M | ||
| Q1 25 | $5.6B | $851.6M | ||
| Q4 24 | $5.5B | $823.9M | ||
| Q3 24 | $5.7B | $804.6M | ||
| Q2 24 | $5.5B | $801.5M | ||
| Q1 24 | $5.6B | $800.4M |
总资产AGOEZPW
| Q4 25 | $12.2B | $2.0B | ||
| Q3 25 | $12.1B | $2.0B | ||
| Q2 25 | $12.1B | $1.9B | ||
| Q1 25 | $11.9B | $1.8B | ||
| Q4 24 | $11.9B | $1.5B | ||
| Q3 24 | $12.3B | $1.5B | ||
| Q2 24 | $12.1B | $1.5B | ||
| Q1 24 | $12.2B | $1.5B |
负债/权益比AGOEZPW
| Q4 25 | 0.30× | 0.48× | ||
| Q3 25 | 0.30× | 0.51× | ||
| Q2 25 | 0.30× | 0.52× | ||
| Q1 25 | 0.30× | 0.73× | ||
| Q4 24 | 0.31× | 0.40× | ||
| Q3 24 | 0.30× | 0.41× | ||
| Q2 24 | 0.31× | 0.45× | ||
| Q1 24 | 0.30× | 0.45× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $259.0M | $39.1M |
| 自由现金流经营现金流 - 资本支出 | — | $31.7M |
| 自由现金流率自由现金流/营收 | — | 8.3% |
| 资本支出强度资本支出/营收 | — | 2.0% |
| 现金转化率经营现金流/净利润 | 2.18× | 0.88× |
| 过去12个月自由现金流最近4个季度 | — | $121.7M |
8季度趋势，按日历期对齐
经营现金流AGOEZPW
| Q4 25 | $259.0M | $39.1M | ||
| Q3 25 | $55.0M | $51.3M | ||
| Q2 25 | $78.0M | $34.8M | ||
| Q1 25 | $87.0M | $36.9M | ||
| Q4 24 | $47.0M | $26.0M | ||
| Q3 24 | $17.0M | $43.3M | ||
| Q2 24 | $58.0M | $33.7M | ||
| Q1 24 | $-74.0M | $15.1M |
自由现金流AGOEZPW
| Q4 25 | — | $31.7M | ||
| Q3 25 | — | $35.7M | ||
| Q2 25 | — | $25.7M | ||
| Q1 25 | — | $28.6M | ||
| Q4 24 | — | $20.4M | ||
| Q3 24 | — | $24.4M | ||
| Q2 24 | — | $30.5M | ||
| Q1 24 | — | $8.6M |
自由现金流率AGOEZPW
| Q4 25 | — | 8.3% | ||
| Q3 25 | — | 10.6% | ||
| Q2 25 | — | 8.3% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 6.4% | ||
| Q3 24 | — | 8.3% | ||
| Q2 24 | — | 10.8% | ||
| Q1 24 | — | 3.0% |
资本支出强度AGOEZPW
| Q4 25 | — | 2.0% | ||
| Q3 25 | — | 4.6% | ||
| Q2 25 | — | 2.9% | ||
| Q1 25 | — | 2.7% | ||
| Q4 24 | — | 1.8% | ||
| Q3 24 | — | 6.4% | ||
| Q2 24 | — | 1.1% | ||
| Q1 24 | — | 2.3% |
现金转化率AGOEZPW
| Q4 25 | 2.18× | 0.88× | ||
| Q3 25 | 0.52× | 1.92× | ||
| Q2 25 | 0.76× | 1.31× | ||
| Q1 25 | 0.49× | 1.45× | ||
| Q4 24 | 2.61× | 0.84× | ||
| Q3 24 | 0.10× | 2.85× | ||
| Q2 24 | 0.74× | 1.88× | ||
| Q1 24 | -0.68× | 0.70× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
AGO
| Insurance Segment | $226.0M | 82% |
| Other | $37.0M | 13% |
| Gain Loss On Investments Member1 | $8.0M | 3% |
| Non Credit Impairment Related Unrealized Fair Value Gains Losses On Credit Derivatives | $6.0M | 2% |
EZPW
| Merchandise | $210.1M | 55% |
| Pawn Service | $131.9M | 35% |
| Jewelry Scrap | $39.9M | 10% |
