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First American Financial Corp（FAF）与RUSH ENTERPRISES INC \TX\（RUSHA）财务数据对比。点击上方公司名可切换其他公司
First American Financial Corp的季度营收约是RUSH ENTERPRISES INC \TX\的1.2倍（$2.0B vs $1.7B），First American Financial Corp净利率更高（10.3% vs 3.7%，领先6.7%），First American Financial Corp同比增速更快（21.6% vs -9.0%），RUSH ENTERPRISES INC \TX\自由现金流更多（$411.6M vs $324.5M），过去两年First American Financial Corp的营收复合增速更高（19.9% vs -6.8%）
第一美国金融公司是美国知名金融服务企业，主要面向房地产及抵押贷款行业开展业务，核心服务涵盖产权保险、房产交易与抵押业务相关的交割结算服务，在全球地产金融服务领域具备成熟的服务能力与较高的行业认可度。
Rush Enterprises是总部位于美国得克萨斯州新布朗费尔斯的商用车经销商，核心业务是通过旗下Rush Truck Centers销售全新及二手卡车。2019年该公司在全美20个州运营超200家卡车中心，在加拿大设有14个网点，2020年入选财富500强榜单。
FAF vs RUSHA — 直观对比
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.0B | $1.7B |
| 净利润 | $211.9M | $61.7M |
| 毛利率 | — | 20.4% |
| 营业利润率 | 14.0% | 4.9% |
| 净利率 | 10.3% | 3.7% |
| 营收同比 | 21.6% | -9.0% |
| 净利润同比 | 192.7% | 1.8% |
| 每股收益（稀释后） | $2.04 | $0.77 |
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
| Q1 26 | — | $1.7B | ||
| Q4 25 | $2.0B | $1.7B | ||
| Q3 25 | $2.0B | $1.8B | ||
| Q2 25 | $1.8B | $1.8B | ||
| Q1 25 | $1.6B | $1.8B | ||
| Q4 24 | $1.7B | $1.9B | ||
| Q3 24 | $1.4B | $1.8B | ||
| Q2 24 | $1.6B | $1.9B |
| Q1 26 | — | $61.7M | ||
| Q4 25 | $211.9M | $64.3M | ||
| Q3 25 | $189.6M | $66.7M | ||
| Q2 25 | $146.1M | $72.4M | ||
| Q1 25 | $74.2M | $60.3M | ||
| Q4 24 | $72.4M | $74.8M | ||
| Q3 24 | $-104.0M | $79.1M | ||
| Q2 24 | $116.0M | $78.7M |
| Q1 26 | — | 20.4% | ||
| Q4 25 | — | 20.8% | ||
| Q3 25 | — | 21.0% | ||
| Q2 25 | — | 20.7% | ||
| Q1 25 | — | 20.3% | ||
| Q4 24 | — | 19.3% | ||
| Q3 24 | — | 21.0% | ||
| Q2 24 | — | 20.2% |
| Q1 26 | — | 4.9% | ||
| Q4 25 | 14.0% | 5.5% | ||
| Q3 25 | 12.5% | 5.6% | ||
| Q2 25 | 10.6% | 6.0% | ||
| Q1 25 | 6.1% | 5.2% | ||
| Q4 24 | 5.9% | 5.8% | ||
| Q3 24 | -10.3% | 6.7% | ||
| Q2 24 | 9.4% | 6.4% |
| Q1 26 | — | 3.7% | ||
| Q4 25 | 10.3% | 3.8% | ||
| Q3 25 | 9.6% | 3.7% | ||
| Q2 25 | 7.9% | 3.9% | ||
| Q1 25 | 4.7% | 3.4% | ||
| Q4 24 | 4.3% | 3.9% | ||
| Q3 24 | -7.4% | 4.4% | ||
| Q2 24 | 7.2% | 4.1% |
| Q1 26 | — | $0.77 | ||
| Q4 25 | $2.04 | $0.81 | ||
| Q3 25 | $1.84 | $0.83 | ||
| Q2 25 | $1.41 | $0.90 | ||
| Q1 25 | $0.71 | $0.73 | ||
| Q4 24 | $0.70 | $-95.13 | ||
| Q3 24 | $-1.00 | $0.97 | ||
| Q2 24 | $1.11 | $97.00 |
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 | $1.4B | — |
| 总债务越低越好 | — | $277.8M |
| 股东权益账面价值 | $5.5B | $2.3B |
| 总资产 | $16.2B | $4.5B |
| 负债/权益比越低杠杆越低 | — | 0.12× |
8季度趋势，按日历期对齐
| Q1 26 | — | — | ||
| Q4 25 | $1.4B | $212.6M | ||
| Q3 25 | $2.9B | $242.0M | ||
| Q2 25 | $2.0B | $211.1M | ||
| Q1 25 | $2.0B | $228.7M | ||
| Q4 24 | $1.7B | $228.1M | ||
| Q3 24 | $3.0B | $185.1M | ||
| Q2 24 | $2.0B | $167.3M |
| Q1 26 | — | $277.8M | ||
| Q4 25 | — | $274.8M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $408.4M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $2.3B | ||
| Q4 25 | $5.5B | $2.2B | ||
| Q3 25 | $5.3B | $2.2B | ||
| Q2 25 | $5.1B | $2.2B | ||
| Q1 25 | $5.0B | $2.2B | ||
| Q4 24 | $4.9B | $2.1B | ||
| Q3 24 | $5.1B | $2.1B | ||
| Q2 24 | $4.8B | $2.0B |
| Q1 26 | — | $4.5B | ||
| Q4 25 | $16.2B | $4.4B | ||
| Q3 25 | $17.6B | $4.6B | ||
| Q2 25 | $16.3B | $4.7B | ||
| Q1 25 | $15.5B | $4.7B | ||
| Q4 24 | $14.9B | $4.6B | ||
| Q3 24 | $16.6B | $4.6B | ||
| Q2 24 | $15.2B | $4.5B |
| Q1 26 | — | 0.12× | ||
| Q4 25 | — | 0.12× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.19× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | $369.3M | — |
| 自由现金流经营现金流 - 资本支出 | $324.5M | $411.6M |
| 自由现金流率自由现金流/营收 | 15.8% | 24.4% |
| 资本支出强度资本支出/营收 | 2.2% | 2.0% |
| 现金转化率经营现金流/净利润 | 1.74× | — |
| 过去12个月自由现金流最近4个季度 | $762.5M | $828.4M |
8季度趋势，按日历期对齐
| Q1 26 | — | — | ||
| Q4 25 | $369.3M | $112.9M | ||
| Q3 25 | $272.5M | $367.8M | ||
| Q2 25 | $361.8M | $227.6M | ||
| Q1 25 | $-52.8M | $153.5M | ||
| Q4 24 | $324.6M | $392.3M | ||
| Q3 24 | $236.9M | $111.7M | ||
| Q2 24 | $266.7M | $270.6M |
| Q1 26 | — | $411.6M | ||
| Q4 25 | $324.5M | $31.9M | ||
| Q3 25 | $223.1M | $271.2M | ||
| Q2 25 | $309.4M | $113.8M | ||
| Q1 25 | $-94.5M | $45.1M | ||
| Q4 24 | $266.2M | $263.5M | ||
| Q3 24 | $185.4M | $-20.0M | ||
| Q2 24 | $210.0M | $177.2M |
| Q1 26 | — | 24.4% | ||
| Q4 25 | 15.8% | 1.9% | ||
| Q3 25 | 11.3% | 15.2% | ||
| Q2 25 | 16.8% | 6.2% | ||
| Q1 25 | -6.0% | 2.6% | ||
| Q4 24 | 15.8% | 13.7% | ||
| Q3 24 | 13.2% | -1.1% | ||
| Q2 24 | 13.0% | 9.1% |
| Q1 26 | — | 2.0% | ||
| Q4 25 | 2.2% | 4.8% | ||
| Q3 25 | 2.5% | 5.4% | ||
| Q2 25 | 2.8% | 6.2% | ||
| Q1 25 | 2.6% | 6.2% | ||
| Q4 24 | 3.5% | 6.7% | ||
| Q3 24 | 3.7% | 7.3% | ||
| Q2 24 | 3.5% | 4.8% |
| Q1 26 | — | — | ||
| Q4 25 | 1.74× | 1.75× | ||
| Q3 25 | 1.44× | 5.51× | ||
| Q2 25 | 2.48× | 3.14× | ||
| Q1 25 | -0.71× | 2.55× | ||
| Q4 24 | 4.48× | 5.25× | ||
| Q3 24 | — | 1.41× | ||
| Q2 24 | 2.30× | 3.44× |
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
FAF
| Title Insurance And Services | $1.9B | 94% |
| Home Warranty | $110.3M | 5% |
RUSHA
| New and used commercial vehicle sales | $955.1M | 57% |
| Aftermarket products and services sales | $627.2M | 37% |
| Lease and rental sales | $92.3M | 5% |
| Finance and insurance | $5.6M | 0% |
