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EZCORP INC（EZPW）与STEPAN CO（SCL）财务数据对比。点击上方公司名可切换其他公司
STEPAN CO的季度营收约是EZCORP INC的1.6倍（$604.5M vs $382.0M），EZCORP INC净利率更高（11.6% vs 3.3%，领先8.3%），EZCORP INC同比增速更快（19.3% vs 1.9%），过去两年EZCORP INC的营收复合增速更高（15.6% vs 4.2%）
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。
斯特潘公司是一家美国特种化学品制造商，总部位于伊利诺伊州诺斯布鲁克，1932年由小阿尔弗雷德·C·斯特潘创立，现有约2000名员工，目前由创始人的孙子小F·奎因·斯特潘执掌。该公司是全球最大的阴离子表面活性剂商品生产商，产品用于提升洗涤剂、洗发水、牙膏及化妆品的起泡与清洁能力。
EZPW vs SCL — 直观对比
营收规模更大
SCL
是对方的1.6倍
$382.0M
营收增速更快
EZPW
高出17.4%
1.9%
净利率更高
EZPW
高出8.3%
3.3%
两年增速更快
EZPW
近两年复合增速
4.2%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $382.0M | $604.5M |
| 净利润 | $44.3M | $19.7M |
| 毛利率 | 58.4% | 10.7% |
| 营业利润率 | 15.9% | 4.7% |
| 净利率 | 11.6% | 3.3% |
| 营收同比 | 19.3% | 1.9% |
| 净利润同比 | 42.8% | — |
| 每股收益（稀释后） | $0.55 | $0.86 |
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EZPWSCL
| Q1 26 | — | $604.5M | ||
| Q4 25 | $382.0M | $553.9M | ||
| Q3 25 | $336.8M | $590.3M | ||
| Q2 25 | $311.0M | $594.7M | ||
| Q1 25 | $306.3M | $593.3M | ||
| Q4 24 | $320.2M | $525.6M | ||
| Q3 24 | $294.6M | $546.8M | ||
| Q2 24 | $281.4M | $556.4M |
净利润EZPWSCL
| Q1 26 | — | $19.7M | ||
| Q4 25 | $44.3M | $5.0M | ||
| Q3 25 | $26.7M | $10.8M | ||
| Q2 25 | $26.5M | $11.3M | ||
| Q1 25 | $25.4M | $19.7M | ||
| Q4 24 | $31.0M | $3.4M | ||
| Q3 24 | $15.2M | $23.6M | ||
| Q2 24 | $17.9M | $9.5M |
毛利率EZPWSCL
| Q1 26 | — | 10.7% | ||
| Q4 25 | 58.4% | 9.3% | ||
| Q3 25 | 59.0% | 12.0% | ||
| Q2 25 | 59.1% | 12.1% | ||
| Q1 25 | 58.3% | 12.7% | ||
| Q4 24 | 57.9% | 10.8% | ||
| Q3 24 | 59.5% | 13.8% | ||
| Q2 24 | 59.2% | 12.5% |
营业利润率EZPWSCL
| Q1 26 | — | 4.7% | ||
| Q4 25 | 15.9% | 1.9% | ||
| Q3 25 | 11.0% | 3.7% | ||
| Q2 25 | 11.6% | 3.0% | ||
| Q1 25 | 11.2% | 4.8% | ||
| Q4 24 | 13.1% | 1.5% | ||
| Q3 24 | 8.8% | 4.4% | ||
| Q2 24 | 7.9% | 3.4% |
净利率EZPWSCL
| Q1 26 | — | 3.3% | ||
| Q4 25 | 11.6% | 0.9% | ||
| Q3 25 | 7.9% | 1.8% | ||
| Q2 25 | 8.5% | 1.9% | ||
| Q1 25 | 8.3% | 3.3% | ||
| Q4 24 | 9.7% | 0.6% | ||
| Q3 24 | 5.2% | 4.3% | ||
| Q2 24 | 6.4% | 1.7% |
每股收益（稀释后）EZPWSCL
| Q1 26 | — | $0.86 | ||
| Q4 25 | $0.55 | $0.22 | ||
| Q3 25 | $0.35 | $0.47 | ||
| Q2 25 | $0.34 | $0.50 | ||
| Q1 25 | $0.33 | $0.86 | ||
| Q4 24 | $0.40 | $0.14 | ||
| Q3 24 | $0.20 | $1.03 | ||
| Q2 24 | $0.25 | $0.42 |
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 | — |
| 总债务越低越好 | $518.6M | $328.4M |
| 股东权益账面价值 | $1.1B | $1.2B |
| 总资产 | $2.0B | $2.3B |
| 负债/权益比越低杠杆越低 | 0.48× | 0.28× |
8季度趋势，按日历期对齐
现金及短期投资EZPWSCL
| Q1 26 | — | — | ||
| Q4 25 | $465.9M | $132.7M | ||
| Q3 25 | $469.5M | $118.5M | ||
| Q2 25 | $472.1M | $88.9M | ||
| Q1 25 | $505.2M | $107.5M | ||
| Q4 24 | $174.5M | $99.7M | ||
| Q3 24 | $170.5M | $147.3M | ||
| Q2 24 | $218.0M | $124.7M |
总债务EZPWSCL
| Q1 26 | — | $328.4M | ||
| Q4 25 | $518.6M | $626.7M | ||
| Q3 25 | $518.1M | $655.5M | ||
| Q2 25 | $517.6M | $658.0M | ||
| Q1 25 | $620.5M | $659.3M | ||
| Q4 24 | $327.7M | $625.4M | ||
| Q3 24 | $327.3M | $688.5M | ||
| Q2 24 | $361.3M | $657.1M |
股东权益EZPWSCL
| Q1 26 | — | $1.2B | ||
| Q4 25 | $1.1B | $1.2B | ||
| Q3 25 | $1.0B | $1.2B | ||
| Q2 25 | $990.1M | $1.2B | ||
| Q1 25 | $851.6M | $1.2B | ||
| Q4 24 | $823.9M | $1.2B | ||
| Q3 24 | $804.6M | $1.2B | ||
| Q2 24 | $801.5M | $1.2B |
总资产EZPWSCL
| Q1 26 | — | $2.3B | ||
| Q4 25 | $2.0B | $2.4B | ||
| Q3 25 | $2.0B | $2.4B | ||
| Q2 25 | $1.9B | $2.4B | ||
| Q1 25 | $1.8B | $2.4B | ||
| Q4 24 | $1.5B | $2.3B | ||
| Q3 24 | $1.5B | $2.4B | ||
| Q2 24 | $1.5B | $2.3B |
负债/权益比EZPWSCL
| Q1 26 | — | 0.28× | ||
| Q4 25 | 0.48× | 0.50× | ||
| Q3 25 | 0.51× | 0.53× | ||
| Q2 25 | 0.52× | 0.53× | ||
| Q1 25 | 0.73× | 0.55× | ||
| Q4 24 | 0.40× | 0.53× | ||
| Q3 24 | 0.41× | 0.56× | ||
| Q2 24 | 0.45× | 0.55× |
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 | — |
| 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EZPWSCL
| Q1 26 | — | — | ||
| Q4 25 | $39.1M | $60.0M | ||
| Q3 25 | $51.3M | $69.8M | ||
| Q2 25 | $34.8M | $11.2M | ||
| Q1 25 | $36.9M | $6.9M | ||
| Q4 24 | $26.0M | $68.3M | ||
| Q3 24 | $43.3M | $22.7M | ||
| Q2 24 | $33.7M | $29.5M |
自由现金流EZPWSCL
| Q1 26 | — | — | ||
| Q4 25 | $31.7M | $25.4M | ||
| Q3 25 | $35.7M | $40.2M | ||
| Q2 25 | $25.7M | $-14.4M | ||
| Q1 25 | $28.6M | $-25.8M | ||
| Q4 24 | $20.4M | $32.1M | ||
| Q3 24 | $24.4M | $-4.0M | ||
| Q2 24 | $30.5M | $-208.0K |
自由现金流率EZPWSCL
| Q1 26 | — | — | ||
| Q4 25 | 8.3% | 4.6% | ||
| Q3 25 | 10.6% | 6.8% | ||
| Q2 25 | 8.3% | -2.4% | ||
| Q1 25 | 9.3% | -4.3% | ||
| Q4 24 | 6.4% | 6.1% | ||
| Q3 24 | 8.3% | -0.7% | ||
| Q2 24 | 10.8% | -0.0% |
资本支出强度EZPWSCL
| Q1 26 | — | — | ||
| Q4 25 | 2.0% | 6.3% | ||
| Q3 25 | 4.6% | 5.0% | ||
| Q2 25 | 2.9% | 4.3% | ||
| Q1 25 | 2.7% | 5.5% | ||
| Q4 24 | 1.8% | 6.9% | ||
| Q3 24 | 6.4% | 4.9% | ||
| Q2 24 | 1.1% | 5.3% |
现金转化率EZPWSCL
| Q1 26 | — | — | ||
| Q4 25 | 0.88× | 11.99× | ||
| Q3 25 | 1.92× | 6.44× | ||
| Q2 25 | 1.31× | 0.99× | ||
| Q1 25 | 1.45× | 0.35× | ||
| Q4 24 | 0.84× | 20.38× | ||
| Q3 24 | 2.85× | 0.96× | ||
| Q2 24 | 1.88× | 3.10× |
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% |
SCL
| Surfactants | $453.7M | 75% |
| Polymers | $130.0M | 22% |
| Specialty Products | $20.8M | 3% |
