vs
CBIZ, Inc.（CBZ）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
CBIZ, Inc.的季度营收约是FirstCash Holdings, Inc.的1.7倍（$848.6M vs $501.3M），FirstCash Holdings, Inc.净利率更高（20.8% vs 19.0%，领先1.7%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 1.3%），过去两年CBIZ, Inc.的营收复合增速更高（42.1% vs 16.9%）
CBIZ, Inc.是美国知名的金融、保险及咨询服务提供商，总部位于俄亥俄州独立市，为美国规模最大的会计、保险经纪、金融与咨询服务机构之一。集团在全美设有120多个办事处，拥有近7000名员工，1996年起在纽交所上市，1997年起使用股票代码CBZ交易。
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。
CBZ vs FCFS — 直观对比
营收规模更大
CBZ
是对方的1.7倍
$501.3M
营收增速更快
FCFS
高出19.9%
1.3%
净利率更高
FCFS
高出1.7%
19.0%
两年增速更快
CBZ
近两年复合增速
16.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $848.6M | $501.3M |
| 净利润 | $161.6M | $104.2M |
| 毛利率 | — | — |
| 营业利润率 | 23.2% | 28.5% |
| 净利率 | 19.0% | 20.8% |
| 营收同比 | 1.3% | 21.2% |
| 净利润同比 | — | 24.7% |
| 每股收益（稀释后） | $2.63 | $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CBZFCFS
| Q1 26 | $848.6M | — | ||
| Q4 25 | $542.7M | $501.3M | ||
| Q3 25 | $693.8M | $411.0M | ||
| Q2 25 | $683.5M | $385.1M | ||
| Q1 25 | $838.0M | $371.1M | ||
| Q4 24 | $460.3M | $413.7M | ||
| Q3 24 | $438.9M | $363.1M | ||
| Q2 24 | $420.0M | $363.5M |
净利润CBZFCFS
| Q1 26 | $161.6M | — | ||
| Q4 25 | $-79.4M | $104.2M | ||
| Q3 25 | $30.1M | $82.8M | ||
| Q2 25 | $41.9M | $59.8M | ||
| Q1 25 | $122.8M | $83.6M | ||
| Q4 24 | $-90.7M | $83.5M | ||
| Q3 24 | $35.1M | $64.8M | ||
| Q2 24 | $19.8M | $49.1M |
毛利率CBZFCFS
| Q1 26 | — | — | ||
| Q4 25 | -9.4% | — | ||
| Q3 25 | 13.0% | — | ||
| Q2 25 | 12.9% | — | ||
| Q1 25 | 27.2% | — | ||
| Q4 24 | -13.4% | — | ||
| Q3 24 | 16.6% | — | ||
| Q2 24 | 12.8% | — |
营业利润率CBZFCFS
| Q1 26 | 23.2% | — | ||
| Q4 25 | -15.7% | 28.5% | ||
| Q3 25 | 8.5% | 27.4% | ||
| Q2 25 | 8.8% | 21.1% | ||
| Q1 25 | 23.9% | 30.0% | ||
| Q4 24 | -23.2% | 26.5% | ||
| Q3 24 | 11.3% | 23.5% | ||
| Q2 24 | 7.5% | 18.2% |
净利率CBZFCFS
| Q1 26 | 19.0% | — | ||
| Q4 25 | -14.6% | 20.8% | ||
| Q3 25 | 4.3% | 20.1% | ||
| Q2 25 | 6.1% | 15.5% | ||
| Q1 25 | 14.7% | 22.5% | ||
| Q4 24 | -19.7% | 20.2% | ||
| Q3 24 | 8.0% | 17.9% | ||
| Q2 24 | 4.7% | 13.5% |
每股收益（稀释后）CBZFCFS
| Q1 26 | $2.63 | — | ||
| Q4 25 | $-1.22 | $2.35 | ||
| Q3 25 | $0.48 | $1.86 | ||
| Q2 25 | $0.66 | $1.34 | ||
| Q1 25 | $1.91 | $1.87 | ||
| Q4 24 | $-1.84 | $1.86 | ||
| Q3 24 | $0.70 | $1.44 | ||
| Q2 24 | $0.39 | $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 | $28.7M | $125.2M |
| 总债务越低越好 | — | $2.2B |
| 股东权益账面价值 | $1.9B | $2.3B |
| 总资产 | $4.6B | $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CBZFCFS
| Q1 26 | $28.7M | — | ||
| Q4 25 | $18.3M | $125.2M | ||
| Q3 25 | $17.0M | $130.2M | ||
| Q2 25 | $39.8M | $101.5M | ||
| Q1 25 | $8.8M | $146.0M | ||
| Q4 24 | $13.8M | $175.1M | ||
| Q3 24 | $1.1M | $106.3M | ||
| Q2 24 | $1.1M | $113.7M |
总债务CBZFCFS
| Q1 26 | — | — | ||
| Q4 25 | — | $2.2B | ||
| Q3 25 | — | $2.2B | ||
| Q2 25 | — | $1.7B | ||
| Q1 25 | — | $1.7B | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | $1.7B | ||
| Q2 24 | — | $1.7B |
股东权益CBZFCFS
| Q1 26 | $1.9B | — | ||
| Q4 25 | $1.8B | $2.3B | ||
| Q3 25 | $1.9B | $2.2B | ||
| Q2 25 | $1.9B | $2.1B | ||
| Q1 25 | $1.9B | $2.1B | ||
| Q4 24 | $1.8B | $2.1B | ||
| Q3 24 | $927.9M | $2.0B | ||
| Q2 24 | $891.4M | $2.0B |
总资产CBZFCFS
| Q1 26 | $4.6B | — | ||
| Q4 25 | $4.4B | $5.3B | ||
| Q3 25 | $4.5B | $5.2B | ||
| Q2 25 | $4.5B | $4.5B | ||
| Q1 25 | $4.6B | $4.4B | ||
| Q4 24 | $4.5B | $4.5B | ||
| Q3 24 | $2.1B | $4.4B | ||
| Q2 24 | $2.2B | $4.3B |
负债/权益比CBZFCFS
| Q1 26 | — | — | ||
| 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× |
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 | $-25.5M | $206.6M |
| 自由现金流经营现金流 - 资本支出 | $-28.5M | — |
| 自由现金流率自由现金流/营收 | -3.4% | — |
| 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 | -0.16× | 1.98× |
| 过去12个月自由现金流最近4个季度 | $240.5M | — |
8季度趋势，按日历期对齐
经营现金流CBZFCFS
| Q1 26 | $-25.5M | — | ||
| Q4 25 | $143.6M | $206.6M | ||
| Q3 25 | $24.0M | $135.8M | ||
| Q2 25 | $113.1M | $116.9M | ||
| Q1 25 | $-88.3M | $126.6M | ||
| Q4 24 | $55.5M | $198.1M | ||
| Q3 24 | $43.7M | $113.1M | ||
| Q2 24 | $88.2M | $106.2M |
自由现金流CBZFCFS
| Q1 26 | $-28.5M | — | ||
| Q4 25 | $141.7M | — | ||
| Q3 25 | $22.1M | — | ||
| Q2 25 | $105.2M | — | ||
| Q1 25 | $-93.4M | — | ||
| Q4 24 | $52.3M | — | ||
| Q3 24 | $41.1M | — | ||
| Q2 24 | $86.3M | — |
自由现金流率CBZFCFS
| Q1 26 | -3.4% | — | ||
| Q4 25 | 26.1% | — | ||
| Q3 25 | 3.2% | — | ||
| Q2 25 | 15.4% | — | ||
| Q1 25 | -11.2% | — | ||
| Q4 24 | 11.4% | — | ||
| Q3 24 | 9.4% | — | ||
| Q2 24 | 20.5% | — |
资本支出强度CBZFCFS
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | — | ||
| Q3 25 | 0.3% | — | ||
| Q2 25 | 1.2% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 0.7% | — | ||
| Q3 24 | 0.6% | — | ||
| Q2 24 | 0.4% | — |
现金转化率CBZFCFS
| Q1 26 | -0.16× | — | ||
| Q4 25 | — | 1.98× | ||
| Q3 25 | 0.79× | 1.64× | ||
| Q2 25 | 2.70× | 1.95× | ||
| Q1 25 | -0.72× | 1.51× | ||
| Q4 24 | — | 2.37× | ||
| Q3 24 | 1.25× | 1.74× | ||
| Q2 24 | 4.45× | 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
CBZ
| Financial Services (1) | $740.3M | 87% |
| Benefits and Insurance Services | $108.2M | 13% |
FCFS
| US Pawn Segment | $292.2M | 58% |
| Retail POS Payment Solutions | $209.8M | 42% |
