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Eastern Bankshares, Inc.（EBC）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Eastern Bankshares, Inc.的1.7倍（$501.3M vs $295.9M），Eastern Bankshares, Inc.净利率更高（22.1% vs 20.8%，领先1.3%），Eastern Bankshares, Inc.同比增速更快（710.6% vs 21.2%），过去两年Eastern Bankshares, Inc.的营收复合增速更高（38.6% vs 16.9%）
东方银行股份有限公司总部位于美国马萨诸塞州波士顿，2020年完成股份化改制前，是美国历史最悠久、规模最大的互助银行，同时也是马萨诸塞州规模最大的社区银行，深耕本地金融服务，在区域零售及小微金融领域拥有深厚的运营积淀。
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。
EBC vs FCFS — 直观对比
营收规模更大
FCFS
是对方的1.7倍
$295.9M
营收增速更快
EBC
高出689.4%
21.2%
净利率更高
EBC
高出1.3%
20.8%
两年增速更快
EBC
近两年复合增速
16.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $295.9M | $501.3M |
| 净利润 | $65.3M | $104.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 28.5% |
| 净利率 | 22.1% | 20.8% |
| 营收同比 | 710.6% | 21.2% |
| 净利润同比 | -34.4% | 24.7% |
| 每股收益（稀释后） | $0.29 | $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EBCFCFS
| Q1 26 | $295.9M | — | ||
| Q4 25 | $37.5M | $501.3M | ||
| Q3 25 | $241.5M | $411.0M | ||
| Q2 25 | $244.9M | $385.1M | ||
| Q1 25 | $31.1M | $371.1M | ||
| Q4 24 | $216.5M | $413.7M | ||
| Q3 24 | $203.4M | $363.1M | ||
| Q2 24 | $154.0M | $363.5M |
净利润EBCFCFS
| Q1 26 | $65.3M | — | ||
| Q4 25 | $99.5M | $104.2M | ||
| Q3 25 | $106.1M | $82.8M | ||
| Q2 25 | $100.2M | $59.8M | ||
| Q1 25 | $-217.7M | $83.6M | ||
| Q4 24 | $60.8M | $83.5M | ||
| Q3 24 | $-6.2M | $64.8M | ||
| Q2 24 | $26.3M | $49.1M |
营业利润率EBCFCFS
| Q1 26 | — | — | ||
| Q4 25 | — | 28.5% | ||
| Q3 25 | 38.9% | 27.4% | ||
| Q2 25 | 41.0% | 21.1% | ||
| Q1 25 | -590.9% | 30.0% | ||
| Q4 24 | 33.3% | 26.5% | ||
| Q3 24 | -1.6% | 23.5% | ||
| Q2 24 | 24.7% | 18.2% |
净利率EBCFCFS
| Q1 26 | 22.1% | — | ||
| Q4 25 | 265.6% | 20.8% | ||
| Q3 25 | 44.0% | 20.1% | ||
| Q2 25 | 40.9% | 15.5% | ||
| Q1 25 | -699.2% | 22.5% | ||
| Q4 24 | 28.1% | 20.2% | ||
| Q3 24 | -3.0% | 17.9% | ||
| Q2 24 | 17.1% | 13.5% |
每股收益（稀释后）EBCFCFS
| Q1 26 | $0.29 | — | ||
| Q4 25 | $0.48 | $2.35 | ||
| Q3 25 | $0.53 | $1.86 | ||
| Q2 25 | $0.50 | $1.34 | ||
| Q1 25 | $-1.08 | $1.87 | ||
| Q4 24 | $0.29 | $1.86 | ||
| Q3 24 | $-0.03 | $1.44 | ||
| Q2 24 | $0.16 | $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 | $551.7M | $125.2M |
| 总债务越低越好 | — | $2.2B |
| 股东权益账面价值 | $4.3B | $2.3B |
| 总资产 | $30.6B | $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EBCFCFS
| Q1 26 | $551.7M | — | ||
| Q4 25 | $507.6M | $125.2M | ||
| Q3 25 | $703.4M | $130.2M | ||
| Q2 25 | $948.3M | $101.5M | ||
| Q1 25 | $609.0M | $146.0M | ||
| Q4 24 | $1.9B | $175.1M | ||
| Q3 24 | $1.7B | $106.3M | ||
| Q2 24 | $1.4B | $113.7M |
总债务EBCFCFS
| 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EBCFCFS
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $2.3B | ||
| Q3 25 | $3.8B | $2.2B | ||
| Q2 25 | $3.7B | $2.1B | ||
| Q1 25 | $3.6B | $2.1B | ||
| Q4 24 | $3.6B | $2.1B | ||
| Q3 24 | $3.7B | $2.0B | ||
| Q2 24 | $3.0B | $2.0B |
总资产EBCFCFS
| Q1 26 | $30.6B | — | ||
| Q4 25 | $30.6B | $5.3B | ||
| Q3 25 | $25.5B | $5.2B | ||
| Q2 25 | $25.5B | $4.5B | ||
| Q1 25 | $25.0B | $4.4B | ||
| Q4 24 | $25.6B | $4.5B | ||
| Q3 24 | $25.5B | $4.4B | ||
| Q2 24 | $21.0B | $4.3B |
负债/权益比EBCFCFS
| 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 | — | $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EBCFCFS
| Q1 26 | — | — | ||
| Q4 25 | $432.4M | $206.6M | ||
| Q3 25 | $157.1M | $135.8M | ||
| Q2 25 | $123.9M | $116.9M | ||
| Q1 25 | $47.3M | $126.6M | ||
| Q4 24 | $283.8M | $198.1M | ||
| Q3 24 | $108.3M | $113.1M | ||
| Q2 24 | $54.3M | $106.2M |
现金转化率EBCFCFS
| Q1 26 | — | — | ||
| Q4 25 | 4.35× | 1.98× | ||
| Q3 25 | 1.48× | 1.64× | ||
| Q2 25 | 1.24× | 1.95× | ||
| Q1 25 | — | 1.51× | ||
| Q4 24 | 4.67× | 2.37× | ||
| Q3 24 | — | 1.74× | ||
| Q2 24 | 2.06× | 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
EBC
暂无分部数据
FCFS
| US Pawn Segment | $292.2M | 58% |
| Retail POS Payment Solutions | $209.8M | 42% |
