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ExlService Holdings, Inc.（EXLS）与FirstCash Holdings, Inc.（FCFS）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FirstCash Holdings, Inc.的1.1倍（$542.6M vs $501.3M），FirstCash Holdings, Inc.净利率更高（20.8% vs 11.1%，领先9.7%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 12.7%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% 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。
FirstCash Holdings, Inc.是总部位于美国得克萨斯州沃斯堡的典当企业，在美国及拉丁美洲多地运营线下典当零售门店，为纳斯达克证券交易所公开上市企业，在美洲典当服务领域拥有成熟的业务布局与完善的运营网络。
EXLS vs FCFS — 直观对比
营收规模更大
EXLS
是对方的1.1倍
$501.3M
营收增速更快
FCFS
高出8.5%
12.7%
净利率更高
FCFS
高出9.7%
11.1%
两年增速更快
FCFS
近两年复合增速
11.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $542.6M | $501.3M |
| 净利润 | $60.2M | $104.2M |
| 毛利率 | 38.6% | — |
| 营业利润率 | 14.4% | 28.5% |
| 净利率 | 11.1% | 20.8% |
| 营收同比 | 12.7% | 21.2% |
| 净利润同比 | 18.9% | 24.7% |
| 每股收益（稀释后） | $0.38 | $2.35 |
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EXLSFCFS
| Q4 25 | $542.6M | $501.3M | ||
| Q3 25 | $529.6M | $411.0M | ||
| Q2 25 | $514.5M | $385.1M | ||
| Q1 25 | $501.0M | $371.1M | ||
| Q4 24 | $481.4M | $413.7M | ||
| Q3 24 | $472.1M | $363.1M | ||
| Q2 24 | $448.4M | $363.5M | ||
| Q1 24 | $436.5M | $366.8M |
净利润EXLSFCFS
| Q4 25 | $60.2M | $104.2M | ||
| Q3 25 | $58.2M | $82.8M | ||
| Q2 25 | $66.1M | $59.8M | ||
| Q1 25 | $66.6M | $83.6M | ||
| Q4 24 | $50.7M | $83.5M | ||
| Q3 24 | $53.0M | $64.8M | ||
| Q2 24 | $45.8M | $49.1M | ||
| Q1 24 | $48.8M | $61.4M |
毛利率EXLSFCFS
| Q4 25 | 38.6% | — | ||
| Q3 25 | 38.5% | — | ||
| Q2 25 | 37.7% | — | ||
| Q1 25 | 38.6% | — | ||
| Q4 24 | 38.1% | — | ||
| Q3 24 | 37.8% | — | ||
| Q2 24 | 37.1% | — | ||
| Q1 24 | 37.4% | — |
营业利润率EXLSFCFS
| Q4 25 | 14.4% | 28.5% | ||
| Q3 25 | 14.4% | 27.4% | ||
| Q2 25 | 15.8% | 21.1% | ||
| Q1 25 | 15.7% | 30.0% | ||
| Q4 24 | 14.8% | 26.5% | ||
| Q3 24 | 14.7% | 23.5% | ||
| Q2 24 | 13.7% | 18.2% | ||
| Q1 24 | 14.1% | 22.3% |
净利率EXLSFCFS
| Q4 25 | 11.1% | 20.8% | ||
| Q3 25 | 11.0% | 20.1% | ||
| Q2 25 | 12.8% | 15.5% | ||
| Q1 25 | 13.3% | 22.5% | ||
| Q4 24 | 10.5% | 20.2% | ||
| Q3 24 | 11.2% | 17.9% | ||
| Q2 24 | 10.2% | 13.5% | ||
| Q1 24 | 11.2% | 16.7% |
每股收益（稀释后）EXLSFCFS
| Q4 25 | $0.38 | $2.35 | ||
| Q3 25 | $0.36 | $1.86 | ||
| Q2 25 | $0.40 | $1.34 | ||
| Q1 25 | $0.40 | $1.87 | ||
| Q4 24 | $0.31 | $1.86 | ||
| Q3 24 | $0.33 | $1.44 | ||
| Q2 24 | $0.28 | $1.08 | ||
| Q1 24 | $0.29 | $1.35 |
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 | $125.2M |
| 总债务越低越好 | $298.6M | $2.2B |
| 股东权益账面价值 | $912.7M | $2.3B |
| 总资产 | $1.7B | $5.3B |
| 负债/权益比越低杠杆越低 | 0.33× | 0.98× |
8季度趋势，按日历期对齐
现金及短期投资EXLSFCFS
| Q4 25 | $328.4M | $125.2M | ||
| Q3 25 | $390.1M | $130.2M | ||
| Q2 25 | $353.3M | $101.5M | ||
| Q1 25 | $331.4M | $146.0M | ||
| Q4 24 | $340.6M | $175.1M | ||
| Q3 24 | $325.8M | $106.3M | ||
| Q2 24 | $276.1M | $113.7M | ||
| Q1 24 | $246.2M | $135.1M |
总债务EXLSFCFS
| Q4 25 | $298.6M | $2.2B | ||
| Q3 25 | $354.8M | $2.2B | ||
| Q2 25 | $260.0M | $1.7B | ||
| Q1 25 | $307.3M | $1.7B | ||
| Q4 24 | $288.5M | $1.7B | ||
| Q3 24 | $344.7M | $1.7B | ||
| Q2 24 | — | $1.7B | ||
| Q1 24 | — | $1.5B |
股东权益EXLSFCFS
| Q4 25 | $912.7M | $2.3B | ||
| Q3 25 | $952.4M | $2.2B | ||
| Q2 25 | $1.1B | $2.1B | ||
| Q1 25 | $1.0B | $2.1B | ||
| Q4 24 | $929.9M | $2.1B | ||
| Q3 24 | $907.6M | $2.0B | ||
| Q2 24 | $852.6M | $2.0B | ||
| Q1 24 | $803.3M | $2.0B |
总资产EXLSFCFS
| Q4 25 | $1.7B | $5.3B | ||
| Q3 25 | $1.7B | $5.2B | ||
| Q2 25 | $1.7B | $4.5B | ||
| Q1 25 | $1.7B | $4.4B | ||
| Q4 24 | $1.6B | $4.5B | ||
| Q3 24 | $1.6B | $4.4B | ||
| Q2 24 | $1.5B | $4.3B | ||
| Q1 24 | $1.4B | $4.2B |
负债/权益比EXLSFCFS
| Q4 25 | 0.33× | 0.98× | ||
| Q3 25 | 0.37× | 1.01× | ||
| Q2 25 | 0.25× | 0.79× | ||
| Q1 25 | 0.30× | 0.83× | ||
| Q4 24 | 0.31× | 0.85× | ||
| Q3 24 | 0.38× | 0.87× | ||
| Q2 24 | — | 0.85× | ||
| Q1 24 | — | 0.75× |
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 | $206.6M |
| 自由现金流经营现金流 - 资本支出 | $106.5M | — |
| 自由现金流率自由现金流/营收 | 19.6% | — |
| 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 | 1.95× | 1.98× |
| 过去12个月自由现金流最近4个季度 | $298.1M | — |
8季度趋势，按日历期对齐
经营现金流EXLSFCFS
| Q4 25 | $117.4M | $206.6M | ||
| Q3 25 | $120.7M | $135.8M | ||
| Q2 25 | $109.4M | $116.9M | ||
| Q1 25 | $3.2M | $126.6M | ||
| Q4 24 | $105.3M | $198.1M | ||
| Q3 24 | $110.1M | $113.1M | ||
| Q2 24 | $74.9M | $106.2M | ||
| Q1 24 | $-21.9M | $122.5M |
自由现金流EXLSFCFS
| Q4 25 | $106.5M | — | ||
| Q3 25 | $106.4M | — | ||
| Q2 25 | $95.0M | — | ||
| Q1 25 | $-9.7M | — | ||
| Q4 24 | $95.3M | — | ||
| Q3 24 | $97.3M | — | ||
| Q2 24 | $62.8M | — | ||
| Q1 24 | $-33.1M | — |
自由现金流率EXLSFCFS
| Q4 25 | 19.6% | — | ||
| Q3 25 | 20.1% | — | ||
| Q2 25 | 18.5% | — | ||
| Q1 25 | -1.9% | — | ||
| Q4 24 | 19.8% | — | ||
| Q3 24 | 20.6% | — | ||
| Q2 24 | 14.0% | — | ||
| Q1 24 | -7.6% | — |
资本支出强度EXLSFCFS
| Q4 25 | 2.0% | — | ||
| Q3 25 | 2.7% | — | ||
| Q2 25 | 2.8% | — | ||
| Q1 25 | 2.6% | — | ||
| Q4 24 | 2.1% | — | ||
| Q3 24 | 2.7% | — | ||
| Q2 24 | 2.7% | — | ||
| Q1 24 | 2.6% | — |
现金转化率EXLSFCFS
| Q4 25 | 1.95× | 1.98× | ||
| Q3 25 | 2.08× | 1.64× | ||
| Q2 25 | 1.66× | 1.95× | ||
| Q1 25 | 0.05× | 1.51× | ||
| Q4 24 | 2.08× | 2.37× | ||
| Q3 24 | 2.08× | 1.74× | ||
| Q2 24 | 1.63× | 2.16× | ||
| Q1 24 | -0.45× | 2.00× |
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% |
FCFS
| US Pawn Segment | $292.2M | 58% |
| Retail POS Payment Solutions | $209.8M | 42% |
