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Axos Financial, Inc.（AX）与FirstCash Holdings, Inc.（FCFS）财务数据对比。点击上方公司名可切换其他公司
FirstCash Holdings, Inc.的季度营收约是Axos Financial, Inc.的1.3倍（$501.3M vs $392.2M），Axos Financial, Inc.净利率更高（31.8% vs 20.8%，领先11.0%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 16.1%）
Axos Financial是总部位于美国内华达州拉斯维加斯的银行控股公司，旗下拥有直销银行Axos Bank，同时提供注册投资顾问服务及电子交易平台，深耕数字化金融赛道，可为用户提供多元便捷的金融服务解决方案。
FirstCash Holdings, Inc.是总部位于美国得克萨斯州沃斯堡的典当企业，在美国及拉丁美洲多地运营线下典当零售门店，为纳斯达克证券交易所公开上市企业，在美洲典当服务领域拥有成熟的业务布局与完善的运营网络。
AX vs FCFS — 直观对比
营收规模更大
FCFS
是对方的1.3倍
$392.2M
净利率更高
AX
高出11.0%
20.8%
两年增速更快
FCFS
近两年复合增速
16.1%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $392.2M | $501.3M |
| 净利润 | $124.7M | $104.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 28.5% |
| 净利率 | 31.8% | 20.8% |
| 营收同比 | — | 21.2% |
| 净利润同比 | 18.5% | 24.7% |
| 每股收益（稀释后） | $2.15 | $2.35 |
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AXFCFS
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | $501.3M | ||
| Q3 25 | $323.4M | $411.0M | ||
| Q2 25 | $321.4M | $385.1M | ||
| Q1 25 | $308.8M | $371.1M | ||
| Q4 24 | $307.9M | $413.7M | ||
| Q3 24 | $320.7M | $363.1M | ||
| Q2 24 | $290.9M | $363.5M |
净利润AXFCFS
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | $104.2M | ||
| Q3 25 | $112.4M | $82.8M | ||
| Q2 25 | $110.7M | $59.8M | ||
| Q1 25 | $105.2M | $83.6M | ||
| Q4 24 | $104.7M | $83.5M | ||
| Q3 24 | $112.3M | $64.8M | ||
| Q2 24 | $104.9M | $49.1M |
营业利润率AXFCFS
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | 28.5% | ||
| Q3 25 | 46.3% | 27.4% | ||
| Q2 25 | 48.5% | 21.1% | ||
| Q1 25 | 47.9% | 30.0% | ||
| Q4 24 | 48.8% | 26.5% | ||
| Q3 24 | 49.6% | 23.5% | ||
| Q2 24 | 49.6% | 18.2% |
净利率AXFCFS
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | 20.8% | ||
| Q3 25 | 34.7% | 20.1% | ||
| Q2 25 | 34.4% | 15.5% | ||
| Q1 25 | 34.1% | 22.5% | ||
| Q4 24 | 34.0% | 20.2% | ||
| Q3 24 | 35.0% | 17.9% | ||
| Q2 24 | 36.0% | 13.5% |
每股收益（稀释后）AXFCFS
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | $2.35 | ||
| Q3 25 | $1.94 | $1.86 | ||
| Q2 25 | $1.89 | $1.34 | ||
| Q1 25 | $1.81 | $1.87 | ||
| Q4 24 | $1.80 | $1.86 | ||
| Q3 24 | $1.93 | $1.44 | ||
| Q2 24 | $1.75 | $1.08 |
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 | — | $125.2M |
| 总债务越低越好 | — | $2.2B |
| 股东权益账面价值 | $3.1B | $2.3B |
| 总资产 | $29.2B | $5.3B |
| 负债/权益比越低杠杆越低 | — | 0.98× |
8季度趋势，按日历期对齐
现金及短期投资AXFCFS
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | $125.2M | ||
| Q3 25 | $2.6B | $130.2M | ||
| Q2 25 | $1.9B | $101.5M | ||
| Q1 25 | $2.0B | $146.0M | ||
| Q4 24 | $2.4B | $175.1M | ||
| Q3 24 | $2.6B | $106.3M | ||
| Q2 24 | $2.0B | $113.7M |
总债务AXFCFS
| Q1 26 | — | — | ||
| Q4 25 | — | $2.2B | ||
| Q3 25 | — | $2.2B | ||
| Q2 25 | $312.7M | $1.7B | ||
| Q1 25 | $377.4M | $1.7B | ||
| Q4 24 | $358.7M | $1.7B | ||
| Q3 24 | $313.5M | $1.7B | ||
| Q2 24 | $325.7M | $1.7B |
股东权益AXFCFS
| Q1 26 | $3.1B | — | ||
| Q4 25 | $2.9B | $2.3B | ||
| Q3 25 | $2.8B | $2.2B | ||
| Q2 25 | $2.7B | $2.1B | ||
| Q1 25 | $2.6B | $2.1B | ||
| Q4 24 | $2.5B | $2.1B | ||
| Q3 24 | $2.4B | $2.0B | ||
| Q2 24 | $2.3B | $2.0B |
总资产AXFCFS
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | $5.3B | ||
| Q3 25 | $27.4B | $5.2B | ||
| Q2 25 | $24.8B | $4.5B | ||
| Q1 25 | $24.0B | $4.4B | ||
| Q4 24 | $23.7B | $4.5B | ||
| Q3 24 | $23.6B | $4.4B | ||
| Q2 24 | $22.9B | $4.3B |
负债/权益比AXFCFS
| Q1 26 | — | — | ||
| Q4 25 | — | 0.98× | ||
| Q3 25 | — | 1.01× | ||
| Q2 25 | 0.12× | 0.79× | ||
| Q1 25 | 0.14× | 0.83× | ||
| Q4 24 | 0.14× | 0.85× | ||
| Q3 24 | 0.13× | 0.87× | ||
| Q2 24 | 0.14× | 0.85× |
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 | — | $206.6M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 1.98× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流AXFCFS
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $206.6M | ||
| Q3 25 | $118.4M | $135.8M | ||
| Q2 25 | $490.3M | $116.9M | ||
| Q1 25 | $73.7M | $126.6M | ||
| Q4 24 | $162.5M | $198.1M | ||
| Q3 24 | $70.8M | $113.1M | ||
| Q2 24 | $305.5M | $106.2M |
自由现金流AXFCFS
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | — | ||
| Q3 25 | $109.3M | — | ||
| Q2 25 | $436.1M | — | ||
| Q1 25 | $65.1M | — | ||
| Q4 24 | $156.4M | — | ||
| Q3 24 | $53.0M | — | ||
| Q2 24 | $269.5M | — |
自由现金流率AXFCFS
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | — | ||
| Q3 25 | 33.8% | — | ||
| Q2 25 | 135.7% | — | ||
| Q1 25 | 21.1% | — | ||
| Q4 24 | 50.8% | — | ||
| Q3 24 | 16.5% | — | ||
| Q2 24 | 92.6% | — |
资本支出强度AXFCFS
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | — | ||
| Q3 25 | 2.8% | — | ||
| Q2 25 | 16.9% | — | ||
| Q1 25 | 2.8% | — | ||
| Q4 24 | 2.0% | — | ||
| Q3 24 | 5.5% | — | ||
| Q2 24 | 12.4% | — |
现金转化率AXFCFS
| Q1 26 | — | — | ||
| Q4 25 | 0.81× | 1.98× | ||
| Q3 25 | 1.05× | 1.64× | ||
| Q2 25 | 4.43× | 1.95× | ||
| Q1 25 | 0.70× | 1.51× | ||
| Q4 24 | 1.55× | 2.37× | ||
| Q3 24 | 0.63× | 1.74× | ||
| Q2 24 | 2.91× | 2.16× |
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
AX
| Net Interest Income | $306.3M | 78% |
| Noninterest Income | $86.0M | 22% |
FCFS
| US Pawn Segment | $292.2M | 58% |
| Retail POS Payment Solutions | $209.8M | 42% |
