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FirstCash Holdings, Inc.（FCFS）とFair Isaac（FICO）の財務データ比較。上の社名をクリックして会社を切り替えられます
Fair Isaacの直近四半期売上が大きい（$512.0M vs $501.3M、FirstCash Holdings, Inc.の約1.0倍）。Fair Isaacの純利益率が高く（30.9% vs 20.8%、差は10.2%）。FirstCash Holdings, Inc.の前年同期比売上増加率が高い（21.2% vs 16.4%）。過去8四半期でFirstCash Holdings, Inc.の売上複合成長率が高い（16.9% vs 8.6%）
FirstCash Holdings, Inc.は米国テキサス州フォートワースに本社を置く質屋事業を営む企業で、米国国内及びラテンアメリカ各地で小売型質店を展開しています。ナスダック証券取引所に上場しており、南北アメリカ全域に広範な事業基盤を有しています。
FICO（旧社名Fair, Isaac and Company）は米国モンタナ州ボーズマンに本社を置くデータ分析企業で、1956年にビル・フェアとアール・アイザックにより創業されました。消費者の信用リスクを測定するFICOスコアは、米国の消費者融資業界で広く活用されています。
FCFS vs FICO — 直接比較
損益計算書 — Q4 FY2025 vs Q1 FY2026
| 指標 | | |
|---|---|---|
| 売上 | $501.3M | $512.0M |
| 純利益 | $104.2M | $158.4M |
| 粗利率 | — | 83.0% |
| 営業利益率 | 28.5% | 45.7% |
| 純利益率 | 20.8% | 30.9% |
| 売上前年比 | 21.2% | 16.4% |
| 純利益前年比 | 24.7% | 3.8% |
| EPS（希薄化後） | $2.35 | $6.61 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
| Q4 25 | $501.3M | $512.0M | ||
| Q3 25 | $411.0M | $515.8M | ||
| Q2 25 | $385.1M | $536.4M | ||
| Q1 25 | $371.1M | $498.7M | ||
| Q4 24 | $413.7M | $440.0M | ||
| Q3 24 | $363.1M | $453.8M | ||
| Q2 24 | $363.5M | $447.8M | ||
| Q1 24 | $366.8M | $433.8M |
| Q4 25 | $104.2M | $158.4M | ||
| Q3 25 | $82.8M | $155.0M | ||
| Q2 25 | $59.8M | $181.8M | ||
| Q1 25 | $83.6M | $162.6M | ||
| Q4 24 | $83.5M | $152.5M | ||
| Q3 24 | $64.8M | $135.7M | ||
| Q2 24 | $49.1M | $126.3M | ||
| Q1 24 | $61.4M | $129.8M |
| Q4 25 | — | 83.0% | ||
| Q3 25 | — | 82.3% | ||
| Q2 25 | — | 83.7% | ||
| Q1 25 | — | 82.4% | ||
| Q4 24 | — | 80.1% | ||
| Q3 24 | — | 80.3% | ||
| Q2 24 | — | 80.3% | ||
| Q1 24 | — | 80.0% |
| Q4 25 | 28.5% | 45.7% | ||
| Q3 25 | 27.4% | 46.0% | ||
| Q2 25 | 21.1% | 48.9% | ||
| Q1 25 | 30.0% | 49.3% | ||
| Q4 24 | 26.5% | 40.8% | ||
| Q3 24 | 23.5% | 43.4% | ||
| Q2 24 | 18.2% | 42.5% | ||
| Q1 24 | 22.3% | 44.9% |
| Q4 25 | 20.8% | 30.9% | ||
| Q3 25 | 20.1% | 30.1% | ||
| Q2 25 | 15.5% | 33.9% | ||
| Q1 25 | 22.5% | 32.6% | ||
| Q4 24 | 20.2% | 34.7% | ||
| Q3 24 | 17.9% | 29.9% | ||
| Q2 24 | 13.5% | 28.2% | ||
| Q1 24 | 16.7% | 29.9% |
| Q4 25 | $2.35 | $6.61 | ||
| Q3 25 | $1.86 | $6.41 | ||
| Q2 25 | $1.34 | $7.40 | ||
| Q1 25 | $1.87 | $6.59 | ||
| Q4 24 | $1.86 | $6.14 | ||
| Q3 24 | $1.44 | $5.44 | ||
| Q2 24 | $1.08 | $5.05 | ||
| Q1 24 | $1.35 | $5.16 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | $125.2M | $162.0M |
| 総負債低いほど良い | $2.2B | $3.2B |
| 株主資本純資産 | $2.3B | $-1.8B |
| 総資産 | $5.3B | $1.9B |
| 負債/資本比率低いほどレバレッジが低い | 0.98× | — |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $125.2M | $162.0M | ||
| Q3 25 | $130.2M | $134.1M | ||
| Q2 25 | $101.5M | $189.0M | ||
| Q1 25 | $146.0M | $146.6M | ||
| Q4 24 | $175.1M | $184.3M | ||
| Q3 24 | $106.3M | $150.7M | ||
| Q2 24 | $113.7M | $156.0M | ||
| Q1 24 | $135.1M | $135.7M |
| Q4 25 | $2.2B | $3.2B | ||
| Q3 25 | $2.2B | $3.1B | ||
| Q2 25 | $1.7B | $2.8B | ||
| Q1 25 | $1.7B | $2.5B | ||
| Q4 24 | $1.7B | $2.4B | ||
| Q3 24 | $1.7B | $2.2B | ||
| Q2 24 | $1.7B | $2.1B | ||
| Q1 24 | $1.5B | $2.0B |
| Q4 25 | $2.3B | $-1.8B | ||
| Q3 25 | $2.2B | $-1.7B | ||
| Q2 25 | $2.1B | $-1.4B | ||
| Q1 25 | $2.1B | $-1.1B | ||
| Q4 24 | $2.1B | $-1.1B | ||
| Q3 24 | $2.0B | $-962.7M | ||
| Q2 24 | $2.0B | $-829.3M | ||
| Q1 24 | $2.0B | $-735.7M |
| Q4 25 | $5.3B | $1.9B | ||
| Q3 25 | $5.2B | $1.9B | ||
| Q2 25 | $4.5B | $1.9B | ||
| Q1 25 | $4.4B | $1.8B | ||
| Q4 24 | $4.5B | $1.7B | ||
| Q3 24 | $4.4B | $1.7B | ||
| Q2 24 | $4.3B | $1.7B | ||
| Q1 24 | $4.2B | $1.7B |
| Q4 25 | 0.98× | — | ||
| Q3 25 | 1.01× | — | ||
| Q2 25 | 0.79× | — | ||
| Q1 25 | 0.83× | — | ||
| Q4 24 | 0.85× | — | ||
| Q3 24 | 0.87× | — | ||
| Q2 24 | 0.85× | — | ||
| Q1 24 | 0.75× | — |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | $206.6M | $174.1M |
| フリーキャッシュフロー営業CF - 設備投資 | — | $173.9M |
| FCFマージンFCF / 売上 | — | 34.0% |
| 設備投資強度設備投資 / 売上 | — | 0.0% |
| キャッシュ転換率営業CF / 純利益 | 1.98× | 1.10× |
| 直近12ヶ月FCF直近4四半期 | — | $750.6M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $206.6M | $174.1M | ||
| Q3 25 | $135.8M | $223.7M | ||
| Q2 25 | $116.9M | $286.2M | ||
| Q1 25 | $126.6M | $74.9M | ||
| Q4 24 | $198.1M | $194.0M | ||
| Q3 24 | $113.1M | $226.5M | ||
| Q2 24 | $106.2M | $213.3M | ||
| Q1 24 | $122.5M | $71.0M |
| Q4 25 | — | $173.9M | ||
| Q3 25 | — | $219.5M | ||
| Q2 25 | — | $284.4M | ||
| Q1 25 | — | $72.8M | ||
| Q4 24 | — | $193.2M | ||
| Q3 24 | — | $224.7M | ||
| Q2 24 | — | $211.6M | ||
| Q1 24 | — | $67.0M |
| Q4 25 | — | 34.0% | ||
| Q3 25 | — | 42.6% | ||
| Q2 25 | — | 53.0% | ||
| Q1 25 | — | 14.6% | ||
| Q4 24 | — | 43.9% | ||
| Q3 24 | — | 49.5% | ||
| Q2 24 | — | 47.2% | ||
| Q1 24 | — | 15.4% |
| Q4 25 | — | 0.0% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.3% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.4% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.9% |
| Q4 25 | 1.98× | 1.10× | ||
| Q3 25 | 1.64× | 1.44× | ||
| Q2 25 | 1.95× | 1.57× | ||
| Q1 25 | 1.51× | 0.46× | ||
| Q4 24 | 2.37× | 1.27× | ||
| Q3 24 | 1.74× | 1.67× | ||
| Q2 24 | 2.16× | 1.69× | ||
| Q1 24 | 2.00× | 0.55× |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
セグメント別売上内訳
FCFS
| US Pawn Segment | $292.2M | 58% |
| Retail POS Payment Solutions | $209.8M | 42% |
FICO
| Business To Business Scores | $248.6M | 49% |
| Saa S Products | $115.7M | 23% |
| Platform Software | $73.9M | 14% |
| Business To Consumer Scores | $55.9M | 11% |
| Technology Service | $19.2M | 4% |
