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ExlService Holdings, Inc.（EXLS）与EZCORP INC（EZPW）财务数据对比。点击上方公司名可切换其他公司
ExlService Holdings, Inc.的季度营收约是EZCORP INC的1.4倍（$542.6M vs $382.0M），EZCORP INC净利率更高（11.6% vs 11.1%，领先0.5%），EZCORP INC同比增速更快（19.3% vs 12.7%），ExlService Holdings, Inc.自由现金流更多（$106.5M vs $31.7M），过去两年EZCORP INC的营收复合增速更高（15.6% vs 11.5%）
ExlService Holdings Inc.是全球知名的分析与数字解决方案服务商，服务覆盖保险、医疗健康、银行金融服务、媒体、零售等多个行业，总部位于纽约，在美国、欧洲、亚洲、拉美、澳大利亚、南非等地拥有超过5.4万名专业从业人员。
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。
EXLS vs EZPW — 直观对比
营收规模更大
EXLS
是对方的1.4倍
$382.0M
营收增速更快
EZPW
高出6.6%
12.7%
净利率更高
EZPW
高出0.5%
11.1%
自由现金流更多
EXLS
多$74.8M
$31.7M
两年增速更快
EZPW
近两年复合增速
11.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $542.6M | $382.0M |
| 净利润 | $60.2M | $44.3M |
| 毛利率 | 38.6% | 58.4% |
| 营业利润率 | 14.4% | 15.9% |
| 净利率 | 11.1% | 11.6% |
| 营收同比 | 12.7% | 19.3% |
| 净利润同比 | 18.9% | 42.8% |
| 每股收益（稀释后） | $0.38 | $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EXLSEZPW
| Q4 25 | $542.6M | $382.0M | ||
| Q3 25 | $529.6M | $336.8M | ||
| Q2 25 | $514.5M | $311.0M | ||
| Q1 25 | $501.0M | $306.3M | ||
| Q4 24 | $481.4M | $320.2M | ||
| Q3 24 | $472.1M | $294.6M | ||
| Q2 24 | $448.4M | $281.4M | ||
| Q1 24 | $436.5M | $285.6M |
净利润EXLSEZPW
| Q4 25 | $60.2M | $44.3M | ||
| Q3 25 | $58.2M | $26.7M | ||
| Q2 25 | $66.1M | $26.5M | ||
| Q1 25 | $66.6M | $25.4M | ||
| Q4 24 | $50.7M | $31.0M | ||
| Q3 24 | $53.0M | $15.2M | ||
| Q2 24 | $45.8M | $17.9M | ||
| Q1 24 | $48.8M | $21.5M |
毛利率EXLSEZPW
| Q4 25 | 38.6% | 58.4% | ||
| Q3 25 | 38.5% | 59.0% | ||
| Q2 25 | 37.7% | 59.1% | ||
| Q1 25 | 38.6% | 58.3% | ||
| Q4 24 | 38.1% | 57.9% | ||
| Q3 24 | 37.8% | 59.5% | ||
| Q2 24 | 37.1% | 59.2% | ||
| Q1 24 | 37.4% | 58.7% |
营业利润率EXLSEZPW
| Q4 25 | 14.4% | 15.9% | ||
| Q3 25 | 14.4% | 11.0% | ||
| Q2 25 | 15.8% | 11.6% | ||
| Q1 25 | 15.7% | 11.2% | ||
| Q4 24 | 14.8% | 13.1% | ||
| Q3 24 | 14.7% | 8.8% | ||
| Q2 24 | 13.7% | 7.9% | ||
| Q1 24 | 14.1% | 9.6% |
净利率EXLSEZPW
| Q4 25 | 11.1% | 11.6% | ||
| Q3 25 | 11.0% | 7.9% | ||
| Q2 25 | 12.8% | 8.5% | ||
| Q1 25 | 13.3% | 8.3% | ||
| Q4 24 | 10.5% | 9.7% | ||
| Q3 24 | 11.2% | 5.2% | ||
| Q2 24 | 10.2% | 6.4% | ||
| Q1 24 | 11.2% | 7.5% |
每股收益（稀释后）EXLSEZPW
| Q4 25 | $0.38 | $0.55 | ||
| Q3 25 | $0.36 | $0.35 | ||
| Q2 25 | $0.40 | $0.34 | ||
| Q1 25 | $0.40 | $0.33 | ||
| Q4 24 | $0.31 | $0.40 | ||
| Q3 24 | $0.33 | $0.20 | ||
| Q2 24 | $0.28 | $0.25 | ||
| Q1 24 | $0.29 | $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 | $328.4M | $465.9M |
| 总债务越低越好 | $298.6M | $518.6M |
| 股东权益账面价值 | $912.7M | $1.1B |
| 总资产 | $1.7B | $2.0B |
| 负债/权益比越低杠杆越低 | 0.33× | 0.48× |
8季度趋势，按日历期对齐
现金及短期投资EXLSEZPW
| Q4 25 | $328.4M | $465.9M | ||
| Q3 25 | $390.1M | $469.5M | ||
| Q2 25 | $353.3M | $472.1M | ||
| Q1 25 | $331.4M | $505.2M | ||
| Q4 24 | $340.6M | $174.5M | ||
| Q3 24 | $325.8M | $170.5M | ||
| Q2 24 | $276.1M | $218.0M | ||
| Q1 24 | $246.2M | $229.1M |
总债务EXLSEZPW
| Q4 25 | $298.6M | $518.6M | ||
| Q3 25 | $354.8M | $518.1M | ||
| Q2 25 | $260.0M | $517.6M | ||
| Q1 25 | $307.3M | $620.5M | ||
| Q4 24 | $288.5M | $327.7M | ||
| Q3 24 | $344.7M | $327.3M | ||
| Q2 24 | — | $361.3M | ||
| Q1 24 | — | $360.9M |
股东权益EXLSEZPW
| Q4 25 | $912.7M | $1.1B | ||
| Q3 25 | $952.4M | $1.0B | ||
| Q2 25 | $1.1B | $990.1M | ||
| Q1 25 | $1.0B | $851.6M | ||
| Q4 24 | $929.9M | $823.9M | ||
| Q3 24 | $907.6M | $804.6M | ||
| Q2 24 | $852.6M | $801.5M | ||
| Q1 24 | $803.3M | $800.4M |
总资产EXLSEZPW
| Q4 25 | $1.7B | $2.0B | ||
| Q3 25 | $1.7B | $2.0B | ||
| Q2 25 | $1.7B | $1.9B | ||
| Q1 25 | $1.7B | $1.8B | ||
| Q4 24 | $1.6B | $1.5B | ||
| Q3 24 | $1.6B | $1.5B | ||
| Q2 24 | $1.5B | $1.5B | ||
| Q1 24 | $1.4B | $1.5B |
负债/权益比EXLSEZPW
| Q4 25 | 0.33× | 0.48× | ||
| Q3 25 | 0.37× | 0.51× | ||
| Q2 25 | 0.25× | 0.52× | ||
| Q1 25 | 0.30× | 0.73× | ||
| Q4 24 | 0.31× | 0.40× | ||
| Q3 24 | 0.38× | 0.41× | ||
| Q2 24 | — | 0.45× | ||
| Q1 24 | — | 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 | $117.4M | $39.1M |
| 自由现金流经营现金流 - 资本支出 | $106.5M | $31.7M |
| 自由现金流率自由现金流/营收 | 19.6% | 8.3% |
| 资本支出强度资本支出/营收 | 2.0% | 2.0% |
| 现金转化率经营现金流/净利润 | 1.95× | 0.88× |
| 过去12个月自由现金流最近4个季度 | $298.1M | $121.7M |
8季度趋势，按日历期对齐
经营现金流EXLSEZPW
| Q4 25 | $117.4M | $39.1M | ||
| Q3 25 | $120.7M | $51.3M | ||
| Q2 25 | $109.4M | $34.8M | ||
| Q1 25 | $3.2M | $36.9M | ||
| Q4 24 | $105.3M | $26.0M | ||
| Q3 24 | $110.1M | $43.3M | ||
| Q2 24 | $74.9M | $33.7M | ||
| Q1 24 | $-21.9M | $15.1M |
自由现金流EXLSEZPW
| Q4 25 | $106.5M | $31.7M | ||
| Q3 25 | $106.4M | $35.7M | ||
| Q2 25 | $95.0M | $25.7M | ||
| Q1 25 | $-9.7M | $28.6M | ||
| Q4 24 | $95.3M | $20.4M | ||
| Q3 24 | $97.3M | $24.4M | ||
| Q2 24 | $62.8M | $30.5M | ||
| Q1 24 | $-33.1M | $8.6M |
自由现金流率EXLSEZPW
| Q4 25 | 19.6% | 8.3% | ||
| Q3 25 | 20.1% | 10.6% | ||
| Q2 25 | 18.5% | 8.3% | ||
| Q1 25 | -1.9% | 9.3% | ||
| Q4 24 | 19.8% | 6.4% | ||
| Q3 24 | 20.6% | 8.3% | ||
| Q2 24 | 14.0% | 10.8% | ||
| Q1 24 | -7.6% | 3.0% |
资本支出强度EXLSEZPW
| Q4 25 | 2.0% | 2.0% | ||
| Q3 25 | 2.7% | 4.6% | ||
| Q2 25 | 2.8% | 2.9% | ||
| Q1 25 | 2.6% | 2.7% | ||
| Q4 24 | 2.1% | 1.8% | ||
| Q3 24 | 2.7% | 6.4% | ||
| Q2 24 | 2.7% | 1.1% | ||
| Q1 24 | 2.6% | 2.3% |
现金转化率EXLSEZPW
| Q4 25 | 1.95× | 0.88× | ||
| Q3 25 | 2.08× | 1.92× | ||
| Q2 25 | 1.66× | 1.31× | ||
| Q1 25 | 0.05× | 1.45× | ||
| Q4 24 | 2.08× | 0.84× | ||
| Q3 24 | 2.08× | 2.85× | ||
| Q2 24 | 1.63× | 1.88× | ||
| Q1 24 | -0.45× | 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
EXLS
| Insurance | $185.8M | 34% |
| Healthcare And Life Sciences | $142.2M | 26% |
| Banking Capital Markets And Diversified Industries | $122.6M | 23% |
| International Growth Markets | $92.0M | 17% |
EZPW
| Merchandise | $210.1M | 55% |
| Pawn Service | $131.9M | 35% |
| Jewelry Scrap | $39.9M | 10% |
