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COMERICA INC（CMA）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
COMERICA INC的季度营收约是FirstCash Holdings, Inc.的1.7倍（$838.0M vs $501.3M），COMERICA INC净利率更高（21.0% vs 20.8%，领先0.2%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 3.3%），过去两年COMERICA INC的营收复合增速更高（108.9% vs 16.9%）
Comerica公司是总部位于美国得克萨斯州达拉斯的金融服务企业，为美国大型金融控股公司之一。旗下Comerica银行为区域性商业银行，在得克萨斯、密歇根、加利福尼亚、佛罗里达、亚利桑那五州共设413家网点，在美国多座城市设有办公场所。
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。
CMA vs FCFS — 直观对比
营收规模更大
CMA
是对方的1.7倍
$501.3M
营收增速更快
FCFS
高出17.8%
3.3%
净利率更高
CMA
高出0.2%
20.8%
两年增速更快
CMA
近两年复合增速
16.9%
损益表 — Q3 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $838.0M | $501.3M |
| 净利润 | $176.0M | $104.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 28.5% |
| 净利率 | 21.0% | 20.8% |
| 营收同比 | 3.3% | 21.2% |
| 净利润同比 | -4.3% | 24.7% |
| 每股收益（稀释后） | $1.35 | $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CMAFCFS
| Q4 25 | — | $501.3M | ||
| Q3 25 | $838.0M | $411.0M | ||
| Q2 25 | $849.0M | $385.1M | ||
| Q1 25 | $829.0M | $371.1M | ||
| Q4 24 | $825.0M | $413.7M | ||
| Q3 24 | $811.0M | $363.1M | ||
| Q2 24 | $824.0M | $363.5M | ||
| Q1 24 | $784.0M | $366.8M |
净利润CMAFCFS
| Q4 25 | — | $104.2M | ||
| Q3 25 | $176.0M | $82.8M | ||
| Q2 25 | $199.0M | $59.8M | ||
| Q1 25 | $172.0M | $83.6M | ||
| Q4 24 | $170.0M | $83.5M | ||
| Q3 24 | $184.0M | $64.8M | ||
| Q2 24 | $206.0M | $49.1M | ||
| Q1 24 | $138.0M | $61.4M |
营业利润率CMAFCFS
| Q4 25 | — | 28.5% | ||
| Q3 25 | — | 27.4% | ||
| Q2 25 | — | 21.1% | ||
| Q1 25 | — | 30.0% | ||
| Q4 24 | — | 26.5% | ||
| Q3 24 | — | 23.5% | ||
| Q2 24 | — | 18.2% | ||
| Q1 24 | — | 22.3% |
净利率CMAFCFS
| Q4 25 | — | 20.8% | ||
| Q3 25 | 21.0% | 20.1% | ||
| Q2 25 | 23.4% | 15.5% | ||
| Q1 25 | 20.7% | 22.5% | ||
| Q4 24 | 20.6% | 20.2% | ||
| Q3 24 | 22.7% | 17.9% | ||
| Q2 24 | 25.0% | 13.5% | ||
| Q1 24 | 17.6% | 16.7% |
每股收益（稀释后）CMAFCFS
| Q4 25 | — | $2.35 | ||
| Q3 25 | $1.35 | $1.86 | ||
| Q2 25 | $1.42 | $1.34 | ||
| Q1 25 | $1.25 | $1.87 | ||
| Q4 24 | $1.22 | $1.86 | ||
| Q3 24 | $1.33 | $1.44 | ||
| Q2 24 | $1.49 | $1.08 | ||
| Q1 24 | $0.98 | $1.35 |
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 | $5.4B | $2.2B |
| 股东权益账面价值 | $7.4B | $2.3B |
| 总资产 | $77.4B | $5.3B |
| 负债/权益比越低杠杆越低 | 0.73× | 0.98× |
8季度趋势，按日历期对齐
现金及短期投资CMAFCFS
| Q4 25 | — | $125.2M | ||
| Q3 25 | — | $130.2M | ||
| Q2 25 | — | $101.5M | ||
| Q1 25 | — | $146.0M | ||
| Q4 24 | — | $175.1M | ||
| Q3 24 | — | $106.3M | ||
| Q2 24 | — | $113.7M | ||
| Q1 24 | — | $135.1M |
总债务CMAFCFS
| Q4 25 | — | $2.2B | ||
| Q3 25 | $5.4B | $2.2B | ||
| Q2 25 | $5.8B | $1.7B | ||
| Q1 25 | $5.7B | $1.7B | ||
| Q4 24 | $6.7B | $1.7B | ||
| Q3 24 | $6.8B | $1.7B | ||
| Q2 24 | $7.1B | $1.7B | ||
| Q1 24 | $7.1B | $1.5B |
股东权益CMAFCFS
| Q4 25 | — | $2.3B | ||
| Q3 25 | $7.4B | $2.2B | ||
| Q2 25 | $6.9B | $2.1B | ||
| Q1 25 | $7.1B | $2.1B | ||
| Q4 24 | $6.5B | $2.1B | ||
| Q3 24 | $7.4B | $2.0B | ||
| Q2 24 | $6.2B | $2.0B | ||
| Q1 24 | $6.0B | $2.0B |
总资产CMAFCFS
| Q4 25 | — | $5.3B | ||
| Q3 25 | $77.4B | $5.2B | ||
| Q2 25 | $78.0B | $4.5B | ||
| Q1 25 | $77.6B | $4.4B | ||
| Q4 24 | $79.3B | $4.5B | ||
| Q3 24 | $79.7B | $4.4B | ||
| Q2 24 | $79.6B | $4.3B | ||
| Q1 24 | $79.4B | $4.2B |
负债/权益比CMAFCFS
| Q4 25 | — | 0.98× | ||
| Q3 25 | 0.73× | 1.01× | ||
| Q2 25 | 0.84× | 0.79× | ||
| Q1 25 | 0.81× | 0.83× | ||
| Q4 24 | 1.02× | 0.85× | ||
| Q3 24 | 0.92× | 0.87× | ||
| Q2 24 | 1.15× | 0.85× | ||
| Q1 24 | 1.18× | 0.75× |
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 | $-270.0M | $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 | -1.53× | 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CMAFCFS
| Q4 25 | — | $206.6M | ||
| Q3 25 | $-270.0M | $135.8M | ||
| Q2 25 | $476.0M | $116.9M | ||
| Q1 25 | $273.0M | $126.6M | ||
| Q4 24 | $601.0M | $198.1M | ||
| Q3 24 | $1.0B | $113.1M | ||
| Q2 24 | $111.0M | $106.2M | ||
| Q1 24 | $-205.0M | $122.5M |
现金转化率CMAFCFS
| Q4 25 | — | 1.98× | ||
| Q3 25 | -1.53× | 1.64× | ||
| Q2 25 | 2.39× | 1.95× | ||
| Q1 25 | 1.59× | 1.51× | ||
| Q4 24 | 3.54× | 2.37× | ||
| Q3 24 | 5.70× | 1.74× | ||
| Q2 24 | 0.54× | 2.16× | ||
| Q1 24 | -1.49× | 2.00× |
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
CMA
暂无分部数据
FCFS
| US Pawn Segment | $292.2M | 58% |
| Retail POS Payment Solutions | $209.8M | 42% |
