vs
EZCORP INC（EZPW）与PROGRESS SOFTWARE CORP（PRGS）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PROGRESS SOFTWARE CORP的1.5倍（$382.0M vs $252.7M），EZCORP INC净利率更高（11.6% vs 10.2%，领先1.4%），EZCORP INC同比增速更快（19.3% vs 17.5%），PROGRESS SOFTWARE CORP自由现金流更多（$59.9M vs $31.7M），过去两年PROGRESS SOFTWARE CORP的营收复合增速更高（17.0% vs 15.6%）
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。
Progress Software是全球领先的企业级软件服务商，主营应用开发平台、数据连接工具、数字体验解决方案等产品，服务覆盖金融、医疗、制造、零售等多行业的全球企业客户，助力客户搭建高性能可扩展的业务应用，提升运营效率。
EZPW vs PRGS — 直观对比
营收规模更大
EZPW
是对方的1.5倍
$252.7M
营收增速更快
EZPW
高出1.8%
17.5%
净利率更高
EZPW
高出1.4%
10.2%
自由现金流更多
PRGS
多$28.2M
$31.7M
两年增速更快
PRGS
近两年复合增速
15.6%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $382.0M | $252.7M |
| 净利润 | $44.3M | $25.7M |
| 毛利率 | 58.4% | 81.6% |
| 营业利润率 | 15.9% | 15.2% |
| 净利率 | 11.6% | 10.2% |
| 营收同比 | 19.3% | 17.5% |
| 净利润同比 | 42.8% | 2144.6% |
| 每股收益（稀释后） | $0.55 | $0.59 |
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EZPWPRGS
| Q4 25 | $382.0M | $252.7M | ||
| Q3 25 | $336.8M | $249.8M | ||
| Q2 25 | $311.0M | $237.4M | ||
| Q1 25 | $306.3M | $238.0M | ||
| Q4 24 | $320.2M | $215.0M | ||
| Q3 24 | $294.6M | $178.7M | ||
| Q2 24 | $281.4M | $175.1M | ||
| Q1 24 | $285.6M | $184.7M |
净利润EZPWPRGS
| Q4 25 | $44.3M | $25.7M | ||
| Q3 25 | $26.7M | $19.4M | ||
| Q2 25 | $26.5M | $17.0M | ||
| Q1 25 | $25.4M | $10.9M | ||
| Q4 24 | $31.0M | $1.1M | ||
| Q3 24 | $15.2M | $28.5M | ||
| Q2 24 | $17.9M | $16.2M | ||
| Q1 24 | $21.5M | $22.6M |
毛利率EZPWPRGS
| Q4 25 | 58.4% | 81.6% | ||
| Q3 25 | 59.0% | 81.0% | ||
| Q2 25 | 59.1% | 80.1% | ||
| Q1 25 | 58.3% | 80.6% | ||
| Q4 24 | 57.9% | 83.0% | ||
| Q3 24 | 59.5% | 83.7% | ||
| Q2 24 | 59.2% | 81.7% | ||
| Q1 24 | 58.7% | 82.2% |
营业利润率EZPWPRGS
| Q4 25 | 15.9% | 15.2% | ||
| Q3 25 | 11.0% | 17.6% | ||
| Q2 25 | 11.6% | 16.3% | ||
| Q1 25 | 11.2% | 13.6% | ||
| Q4 24 | 13.1% | 10.0% | ||
| Q3 24 | 8.8% | 22.6% | ||
| Q2 24 | 7.9% | 15.5% | ||
| Q1 24 | 9.6% | 19.0% |
净利率EZPWPRGS
| Q4 25 | 11.6% | 10.2% | ||
| Q3 25 | 7.9% | 7.8% | ||
| Q2 25 | 8.5% | 7.2% | ||
| Q1 25 | 8.3% | 4.6% | ||
| Q4 24 | 9.7% | 0.5% | ||
| Q3 24 | 5.2% | 15.9% | ||
| Q2 24 | 6.4% | 9.2% | ||
| Q1 24 | 7.5% | 12.3% |
每股收益（稀释后）EZPWPRGS
| Q4 25 | $0.55 | $0.59 | ||
| Q3 25 | $0.35 | $0.44 | ||
| Q2 25 | $0.34 | $0.39 | ||
| Q1 25 | $0.33 | $0.24 | ||
| Q4 24 | $0.40 | $0.01 | ||
| Q3 24 | $0.20 | $0.65 | ||
| Q2 24 | $0.25 | $0.37 | ||
| Q1 24 | $0.29 | $0.51 |
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 | $465.9M | $94.8M |
| 总债务越低越好 | $518.6M | $1.4B |
| 股东权益账面价值 | $1.1B | $478.3M |
| 总资产 | $2.0B | $2.5B |
| 负债/权益比越低杠杆越低 | 0.48× | 2.93× |
8季度趋势，按日历期对齐
现金及短期投资EZPWPRGS
| Q4 25 | $465.9M | $94.8M | ||
| Q3 25 | $469.5M | $99.0M | ||
| Q2 25 | $472.1M | $102.0M | ||
| Q1 25 | $505.2M | $124.2M | ||
| Q4 24 | $174.5M | $118.1M | ||
| Q3 24 | $170.5M | $232.7M | ||
| Q2 24 | $218.0M | $190.4M | ||
| Q1 24 | $229.1M | $133.2M |
总债务EZPWPRGS
| Q4 25 | $518.6M | $1.4B | ||
| Q3 25 | $518.1M | $1.4B | ||
| Q2 25 | $517.6M | $1.5B | ||
| Q1 25 | $620.5M | $1.5B | ||
| Q4 24 | $327.7M | $1.5B | ||
| Q3 24 | $327.3M | — | ||
| Q2 24 | $361.3M | — | ||
| Q1 24 | $360.9M | — |
股东权益EZPWPRGS
| Q4 25 | $1.1B | $478.3M | ||
| Q3 25 | $1.0B | $477.7M | ||
| Q2 25 | $990.1M | $452.7M | ||
| Q1 25 | $851.6M | $431.8M | ||
| Q4 24 | $823.9M | $438.8M | ||
| Q3 24 | $804.6M | $425.6M | ||
| Q2 24 | $801.5M | $401.7M | ||
| Q1 24 | $800.4M | $461.7M |
总资产EZPWPRGS
| Q4 25 | $2.0B | $2.5B | ||
| Q3 25 | $2.0B | $2.4B | ||
| Q2 25 | $1.9B | $2.4B | ||
| Q1 25 | $1.8B | $2.5B | ||
| Q4 24 | $1.5B | $2.5B | ||
| Q3 24 | $1.5B | $1.6B | ||
| Q2 24 | $1.5B | $1.6B | ||
| Q1 24 | $1.5B | $1.5B |
负债/权益比EZPWPRGS
| Q4 25 | 0.48× | 2.93× | ||
| Q3 25 | 0.51× | 2.97× | ||
| Q2 25 | 0.52× | 3.22× | ||
| Q1 25 | 0.73× | 3.50× | ||
| Q4 24 | 0.40× | 3.48× | ||
| Q3 24 | 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 | $39.1M | $62.8M |
| 自由现金流经营现金流 - 资本支出 | $31.7M | $59.9M |
| 自由现金流率自由现金流/营收 | 8.3% | 23.7% |
| 资本支出强度资本支出/营收 | 2.0% | 1.1% |
| 现金转化率经营现金流/净利润 | 0.88× | 2.44× |
| 过去12个月自由现金流最近4个季度 | $121.7M | $229.5M |
8季度趋势，按日历期对齐
经营现金流EZPWPRGS
| Q4 25 | $39.1M | $62.8M | ||
| Q3 25 | $51.3M | $73.4M | ||
| Q2 25 | $34.8M | $30.0M | ||
| Q1 25 | $36.9M | $68.9M | ||
| Q4 24 | $26.0M | $19.7M | ||
| Q3 24 | $43.3M | $57.7M | ||
| Q2 24 | $33.7M | $63.7M | ||
| Q1 24 | $15.1M | $70.5M |
自由现金流EZPWPRGS
| Q4 25 | $31.7M | $59.9M | ||
| Q3 25 | $35.7M | $72.4M | ||
| Q2 25 | $25.7M | $29.5M | ||
| Q1 25 | $28.6M | $67.7M | ||
| Q4 24 | $20.4M | $16.8M | ||
| Q3 24 | $24.4M | $56.6M | ||
| Q2 24 | $30.5M | $62.7M | ||
| Q1 24 | $8.6M | $70.2M |
自由现金流率EZPWPRGS
| Q4 25 | 8.3% | 23.7% | ||
| Q3 25 | 10.6% | 29.0% | ||
| Q2 25 | 8.3% | 12.4% | ||
| Q1 25 | 9.3% | 28.4% | ||
| Q4 24 | 6.4% | 7.8% | ||
| Q3 24 | 8.3% | 31.7% | ||
| Q2 24 | 10.8% | 35.8% | ||
| Q1 24 | 3.0% | 38.0% |
资本支出强度EZPWPRGS
| Q4 25 | 2.0% | 1.1% | ||
| Q3 25 | 4.6% | 0.4% | ||
| Q2 25 | 2.9% | 0.2% | ||
| Q1 25 | 2.7% | 0.5% | ||
| Q4 24 | 1.8% | 1.3% | ||
| Q3 24 | 6.4% | 0.6% | ||
| Q2 24 | 1.1% | 0.5% | ||
| Q1 24 | 2.3% | 0.2% |
现金转化率EZPWPRGS
| Q4 25 | 0.88× | 2.44× | ||
| Q3 25 | 1.92× | 3.78× | ||
| Q2 25 | 1.31× | 1.76× | ||
| Q1 25 | 1.45× | 6.30× | ||
| Q4 24 | 0.84× | 17.13× | ||
| Q3 24 | 2.85× | 2.03× | ||
| Q2 24 | 1.88× | 3.93× | ||
| Q1 24 | 0.70× | 3.11× |
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
EZPW
| Merchandise | $210.1M | 55% |
| Pawn Service | $131.9M | 35% |
| Jewelry Scrap | $39.9M | 10% |
PRGS
| Maintenanceand Services | $187.5M | 74% |
| Share File Acquisition | $67.5M | 27% |
