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EZCORP INC（EZPW）与RAYONIER ADVANCED MATERIALS INC.（RYAM）财务数据对比。点击上方公司名可切换其他公司
RAYONIER ADVANCED MATERIALS INC.的季度营收约是EZCORP INC的1.1倍（$417.5M vs $382.0M），EZCORP INC净利率更高（11.6% vs -5.0%，领先16.6%），EZCORP INC同比增速更快（19.3% vs -1.2%），过去两年EZCORP INC的营收复合增速更高（15.6% vs 3.8%）
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。
RYAM（原雷尼尔先进材料公司）是一家美国全球性纤维素技术企业，主打高纯度特种纤维素产品，所生产的天然聚合物广泛应用于过滤器生产、食品加工、医药制造及各类工业领域，同时也为造纸和包装行业供应相关产品，在纤维素技术领域拥有较高的行业认可度。
EZPW vs RYAM — 直观对比
营收规模更大
RYAM
是对方的1.1倍
$382.0M
营收增速更快
EZPW
高出20.5%
-1.2%
净利率更高
EZPW
高出16.6%
-5.0%
两年增速更快
EZPW
近两年复合增速
3.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $382.0M | $417.5M |
| 净利润 | $44.3M | $-21.1M |
| 毛利率 | 58.4% | 8.9% |
| 营业利润率 | 15.9% | 2.6% |
| 净利率 | 11.6% | -5.0% |
| 营收同比 | 19.3% | -1.2% |
| 净利润同比 | 42.8% | -31.9% |
| 每股收益（稀释后） | $0.55 | $-0.33 |
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EZPWRYAM
| Q4 25 | $382.0M | $417.5M | ||
| Q3 25 | $336.8M | $352.8M | ||
| Q2 25 | $311.0M | $340.0M | ||
| Q1 25 | $306.3M | $356.0M | ||
| Q4 24 | $320.2M | $422.5M | ||
| Q3 24 | $294.6M | $401.1M | ||
| Q2 24 | $281.4M | $419.0M | ||
| Q1 24 | $285.6M | $387.7M |
净利润EZPWRYAM
| Q4 25 | $44.3M | $-21.1M | ||
| Q3 25 | $26.7M | $-4.5M | ||
| Q2 25 | $26.5M | $-363.2M | ||
| Q1 25 | $25.4M | $-32.0M | ||
| Q4 24 | $31.0M | $-16.0M | ||
| Q3 24 | $15.2M | $-32.6M | ||
| Q2 24 | $17.9M | $11.4M | ||
| Q1 24 | $21.5M | $-1.6M |
毛利率EZPWRYAM
| Q4 25 | 58.4% | 8.9% | ||
| Q3 25 | 59.0% | 9.7% | ||
| Q2 25 | 59.1% | 7.0% | ||
| Q1 25 | 58.3% | 6.8% | ||
| Q4 24 | 57.9% | 8.7% | ||
| Q3 24 | 59.5% | 10.9% | ||
| Q2 24 | 59.2% | 11.5% | ||
| Q1 24 | 58.7% | 9.5% |
营业利润率EZPWRYAM
| Q4 25 | 15.9% | 2.6% | ||
| Q3 25 | 11.0% | 2.8% | ||
| Q2 25 | 11.6% | -0.4% | ||
| Q1 25 | 11.2% | -4.2% | ||
| Q4 24 | 13.1% | 2.6% | ||
| Q3 24 | 8.8% | -4.2% | ||
| Q2 24 | 7.9% | 6.7% | ||
| Q1 24 | 9.6% | 4.4% |
净利率EZPWRYAM
| Q4 25 | 11.6% | -5.0% | ||
| Q3 25 | 7.9% | -1.3% | ||
| Q2 25 | 8.5% | -106.8% | ||
| Q1 25 | 8.3% | -9.0% | ||
| Q4 24 | 9.7% | -3.8% | ||
| Q3 24 | 5.2% | -8.1% | ||
| Q2 24 | 6.4% | 2.7% | ||
| Q1 24 | 7.5% | -0.4% |
每股收益（稀释后）EZPWRYAM
| Q4 25 | $0.55 | $-0.33 | ||
| Q3 25 | $0.35 | $-0.07 | ||
| Q2 25 | $0.34 | $-5.44 | ||
| Q1 25 | $0.33 | $-0.49 | ||
| Q4 24 | $0.40 | $-0.25 | ||
| Q3 24 | $0.20 | $-0.49 | ||
| Q2 24 | $0.25 | $0.17 | ||
| Q1 24 | $0.29 | $-0.02 |
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 | $75.4M |
| 总债务越低越好 | $518.6M | $758.1M |
| 股东权益账面价值 | $1.1B | $316.6M |
| 总资产 | $2.0B | $1.8B |
| 负债/权益比越低杠杆越低 | 0.48× | 2.39× |
8季度趋势，按日历期对齐
现金及短期投资EZPWRYAM
| Q4 25 | $465.9M | $75.4M | ||
| Q3 25 | $469.5M | $77.0M | ||
| Q2 25 | $472.1M | $70.7M | ||
| Q1 25 | $505.2M | $129.9M | ||
| Q4 24 | $174.5M | $125.2M | ||
| Q3 24 | $170.5M | $136.1M | ||
| Q2 24 | $218.0M | $114.1M | ||
| Q1 24 | $229.1M | $54.6M |
总债务EZPWRYAM
| Q4 25 | $518.6M | $758.1M | ||
| Q3 25 | $518.1M | $763.5M | ||
| Q2 25 | $517.6M | $720.4M | ||
| Q1 25 | $620.5M | $707.0M | ||
| Q4 24 | $327.7M | $706.4M | ||
| Q3 24 | $327.3M | $747.7M | ||
| Q2 24 | $361.3M | $752.8M | ||
| Q1 24 | $360.9M | $755.6M |
股东权益EZPWRYAM
| Q4 25 | $1.1B | $316.6M | ||
| Q3 25 | $1.0B | $338.2M | ||
| Q2 25 | $990.1M | $342.3M | ||
| Q1 25 | $851.6M | $688.1M | ||
| Q4 24 | $823.9M | $713.9M | ||
| Q3 24 | $804.6M | $732.7M | ||
| Q2 24 | $801.5M | $755.1M | ||
| Q1 24 | $800.4M | $741.8M |
总资产EZPWRYAM
| Q4 25 | $2.0B | $1.8B | ||
| Q3 25 | $2.0B | $1.8B | ||
| Q2 25 | $1.9B | $1.8B | ||
| Q1 25 | $1.8B | $2.1B | ||
| Q4 24 | $1.5B | $2.1B | ||
| Q3 24 | $1.5B | $2.2B | ||
| Q2 24 | $1.5B | $2.2B | ||
| Q1 24 | $1.5B | $2.1B |
负债/权益比EZPWRYAM
| Q4 25 | 0.48× | 2.39× | ||
| Q3 25 | 0.51× | 2.26× | ||
| Q2 25 | 0.52× | 2.10× | ||
| Q1 25 | 0.73× | 1.03× | ||
| Q4 24 | 0.40× | 0.99× | ||
| Q3 24 | 0.41× | 1.02× | ||
| Q2 24 | 0.45× | 1.00× | ||
| Q1 24 | 0.45× | 1.02× |
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 | $32.3M |
| 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 | 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EZPWRYAM
| Q4 25 | $39.1M | $32.3M | ||
| Q3 25 | $51.3M | $-17.8M | ||
| Q2 25 | $34.8M | $-30.2M | ||
| Q1 25 | $36.9M | $39.6M | ||
| Q4 24 | $26.0M | $54.9M | ||
| Q3 24 | $43.3M | $49.8M | ||
| Q2 24 | $33.7M | $87.6M | ||
| Q1 24 | $15.1M | $11.3M |
自由现金流EZPWRYAM
| 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EZPWRYAM
| 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EZPWRYAM
| 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EZPWRYAM
| Q4 25 | 0.88× | — | ||
| Q3 25 | 1.92× | — | ||
| Q2 25 | 1.31× | — | ||
| Q1 25 | 1.45× | — | ||
| Q4 24 | 0.84× | — | ||
| Q3 24 | 2.85× | — | ||
| Q2 24 | 1.88× | 7.69× | ||
| Q1 24 | 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
EZPW
| Merchandise | $210.1M | 55% |
| Pawn Service | $131.9M | 35% |
| Jewelry Scrap | $39.9M | 10% |
RYAM
| Cellulose Specialties | $249.6M | 60% |
| Other | $86.2M | 21% |
| Paperboard | $44.2M | 11% |
| High Yield Pulp | $28.3M | 7% |
| Biomaterials | $9.2M | 2% |
