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EZCORP INC（EZPW）与WSFS FINANCIAL CORP（WSFS）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WSFS FINANCIAL CORP的1.4倍（$382.0M vs $275.3M），WSFS FINANCIAL CORP净利率更高（31.5% vs 11.6%，领先19.9%），EZCORP INC同比增速更快（19.3% vs 7.5%），过去两年EZCORP INC的营收复合增速更高（15.6% vs 1.7%）
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。
WSFS金融集团是一家金融服务企业，核心子公司WSFS银行是总部位于特拉华州及大特拉华谷地区规模最大、经营历史最久的本地管理银行与财富管理机构。集团共运营115个网点，其中88个为银行网点，分布在宾夕法尼亚、特拉华、新泽西、佛罗里达、弗吉尼亚、内华达六州，提供全面金融服务。
EZPW vs WSFS — 直观对比
营收规模更大
EZPW
是对方的1.4倍
$275.3M
营收增速更快
EZPW
高出11.8%
7.5%
净利率更高
WSFS
高出19.9%
11.6%
两年增速更快
EZPW
近两年复合增速
1.7%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $382.0M | $275.3M |
| 净利润 | $44.3M | $86.8M |
| 毛利率 | 58.4% | — |
| 营业利润率 | 15.9% | — |
| 净利率 | 11.6% | 31.5% |
| 营收同比 | 19.3% | 7.5% |
| 净利润同比 | 42.8% | 31.7% |
| 每股收益（稀释后） | $0.55 | $1.64 |
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EZPWWSFS
| Q1 26 | — | $275.3M | ||
| Q4 25 | $382.0M | $271.9M | ||
| Q3 25 | $336.8M | $270.5M | ||
| Q2 25 | $311.0M | $267.5M | ||
| Q1 25 | $306.3M | $256.1M | ||
| Q4 24 | $320.2M | $261.5M | ||
| Q3 24 | $294.6M | $267.7M | ||
| Q2 24 | $281.4M | $266.0M |
净利润EZPWWSFS
| Q1 26 | — | $86.8M | ||
| Q4 25 | $44.3M | $72.7M | ||
| Q3 25 | $26.7M | $76.4M | ||
| Q2 25 | $26.5M | $72.3M | ||
| Q1 25 | $25.4M | $65.9M | ||
| Q4 24 | $31.0M | $64.2M | ||
| Q3 24 | $15.2M | $64.4M | ||
| Q2 24 | $17.9M | $69.3M |
毛利率EZPWWSFS
| Q1 26 | — | — | ||
| Q4 25 | 58.4% | — | ||
| Q3 25 | 59.0% | — | ||
| Q2 25 | 59.1% | — | ||
| Q1 25 | 58.3% | — | ||
| Q4 24 | 57.9% | — | ||
| Q3 24 | 59.5% | — | ||
| Q2 24 | 59.2% | — |
营业利润率EZPWWSFS
| Q1 26 | — | — | ||
| Q4 25 | 15.9% | 35.8% | ||
| Q3 25 | 11.0% | 37.3% | ||
| Q2 25 | 11.6% | 35.7% | ||
| Q1 25 | 11.2% | 34.0% | ||
| Q4 24 | 13.1% | 32.3% | ||
| Q3 24 | 8.8% | 31.9% | ||
| Q2 24 | 7.9% | 34.0% |
净利率EZPWWSFS
| Q1 26 | — | 31.5% | ||
| Q4 25 | 11.6% | 26.7% | ||
| Q3 25 | 7.9% | 28.3% | ||
| Q2 25 | 8.5% | 27.0% | ||
| Q1 25 | 8.3% | 25.7% | ||
| Q4 24 | 9.7% | 24.6% | ||
| Q3 24 | 5.2% | 24.1% | ||
| Q2 24 | 6.4% | 26.0% |
每股收益（稀释后）EZPWWSFS
| Q1 26 | — | $1.64 | ||
| Q4 25 | $0.55 | $1.33 | ||
| Q3 25 | $0.35 | $1.37 | ||
| Q2 25 | $0.34 | $1.27 | ||
| Q1 25 | $0.33 | $1.12 | ||
| Q4 24 | $0.40 | $1.08 | ||
| Q3 24 | $0.20 | $1.08 | ||
| Q2 24 | $0.25 | $1.16 |
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 | — |
| 股东权益账面价值 | $1.1B | $2.7B |
| 总资产 | $2.0B | $22.1B |
| 负债/权益比越低杠杆越低 | 0.48× | — |
8季度趋势，按日历期对齐
现金及短期投资EZPWWSFS
| Q1 26 | — | — | ||
| Q4 25 | $465.9M | $1.7B | ||
| Q3 25 | $469.5M | — | ||
| Q2 25 | $472.1M | — | ||
| Q1 25 | $505.2M | — | ||
| Q4 24 | $174.5M | $1.2B | ||
| Q3 24 | $170.5M | — | ||
| Q2 24 | $218.0M | — |
总债务EZPWWSFS
| Q1 26 | — | — | ||
| Q4 25 | $518.6M | — | ||
| Q3 25 | $518.1M | — | ||
| Q2 25 | $517.6M | — | ||
| Q1 25 | $620.5M | — | ||
| Q4 24 | $327.7M | — | ||
| Q3 24 | $327.3M | — | ||
| Q2 24 | $361.3M | — |
股东权益EZPWWSFS
| Q1 26 | — | $2.7B | ||
| Q4 25 | $1.1B | $2.7B | ||
| Q3 25 | $1.0B | $2.8B | ||
| Q2 25 | $990.1M | $2.7B | ||
| Q1 25 | $851.6M | $2.7B | ||
| Q4 24 | $823.9M | $2.6B | ||
| Q3 24 | $804.6M | $2.7B | ||
| Q2 24 | $801.5M | $2.5B |
总资产EZPWWSFS
| Q1 26 | — | $22.1B | ||
| Q4 25 | $2.0B | $21.3B | ||
| Q3 25 | $2.0B | $20.8B | ||
| Q2 25 | $1.9B | $20.8B | ||
| Q1 25 | $1.8B | $20.5B | ||
| Q4 24 | $1.5B | $20.8B | ||
| Q3 24 | $1.5B | $20.9B | ||
| Q2 24 | $1.5B | $20.7B |
负债/权益比EZPWWSFS
| Q1 26 | — | — | ||
| Q4 25 | 0.48× | — | ||
| Q3 25 | 0.51× | — | ||
| Q2 25 | 0.52× | — | ||
| Q1 25 | 0.73× | — | ||
| Q4 24 | 0.40× | — | ||
| Q3 24 | 0.41× | — | ||
| Q2 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 | — |
| 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EZPWWSFS
| Q1 26 | — | — | ||
| Q4 25 | $39.1M | $220.0M | ||
| Q3 25 | $51.3M | $121.5M | ||
| Q2 25 | $34.8M | $37.2M | ||
| Q1 25 | $36.9M | $8.7M | ||
| Q4 24 | $26.0M | $219.9M | ||
| Q3 24 | $43.3M | $3.1M | ||
| Q2 24 | $33.7M | $44.8M |
自由现金流EZPWWSFS
| Q1 26 | — | — | ||
| Q4 25 | $31.7M | $213.6M | ||
| Q3 25 | $35.7M | $120.3M | ||
| Q2 25 | $25.7M | $35.2M | ||
| Q1 25 | $28.6M | $6.3M | ||
| Q4 24 | $20.4M | $205.6M | ||
| Q3 24 | $24.4M | $-489.0K | ||
| Q2 24 | $30.5M | $42.1M |
自由现金流率EZPWWSFS
| Q1 26 | — | — | ||
| Q4 25 | 8.3% | 78.6% | ||
| Q3 25 | 10.6% | 44.5% | ||
| Q2 25 | 8.3% | 13.2% | ||
| Q1 25 | 9.3% | 2.5% | ||
| Q4 24 | 6.4% | 78.6% | ||
| Q3 24 | 8.3% | -0.2% | ||
| Q2 24 | 10.8% | 15.8% |
资本支出强度EZPWWSFS
| Q1 26 | — | — | ||
| Q4 25 | 2.0% | 2.3% | ||
| Q3 25 | 4.6% | 0.5% | ||
| Q2 25 | 2.9% | 0.7% | ||
| Q1 25 | 2.7% | 0.9% | ||
| Q4 24 | 1.8% | 5.5% | ||
| Q3 24 | 6.4% | 1.4% | ||
| Q2 24 | 1.1% | 1.0% |
现金转化率EZPWWSFS
| Q1 26 | — | — | ||
| Q4 25 | 0.88× | 3.03× | ||
| Q3 25 | 1.92× | 1.59× | ||
| Q2 25 | 1.31× | 0.51× | ||
| Q1 25 | 1.45× | 0.13× | ||
| Q4 24 | 0.84× | 3.43× | ||
| Q3 24 | 2.85× | 0.05× | ||
| Q2 24 | 1.88× | 0.65× |
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% |
WSFS
暂无分部数据
