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FIRST BANCORP（FBP）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FIRST BANCORP的1.9倍（$501.3M vs $257.2M），FIRST BANCORP净利率更高（33.9% vs 20.8%，领先13.1%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 6.5%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 5.6%）
第一中西部银行总部位于美国伊利诺伊州芝加哥市，地处奥黑尔机场东侧，其前身可追溯至伊利诺伊州乔利埃特市。发展至今，该行服务范围覆盖芝加哥众多郊区，包括印第安纳州西北部、伊利诺伊州南部、威斯康星州东南部以及含爱荷华州在内的四城地区，是美国规模最大的银行机构之一。
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。
FBP vs FCFS — 直观对比
营收规模更大
FCFS
是对方的1.9倍
$257.2M
营收增速更快
FCFS
高出14.7%
6.5%
净利率更高
FBP
高出13.1%
20.8%
两年增速更快
FCFS
近两年复合增速
5.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $257.2M | $501.3M |
| 净利润 | $87.1M | $104.2M |
| 毛利率 | — | — |
| 营业利润率 | 41.7% | 28.5% |
| 净利率 | 33.9% | 20.8% |
| 营收同比 | 6.5% | 21.2% |
| 净利润同比 | 15.1% | 24.7% |
| 每股收益（稀释后） | $0.55 | $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FBPFCFS
| Q4 25 | $257.2M | $501.3M | ||
| Q3 25 | $248.7M | $411.0M | ||
| Q2 25 | $246.8M | $385.1M | ||
| Q1 25 | $248.1M | $371.1M | ||
| Q4 24 | $241.5M | $413.7M | ||
| Q3 24 | $234.6M | $363.1M | ||
| Q2 24 | $231.7M | $363.5M | ||
| Q1 24 | $230.5M | $366.8M |
净利润FBPFCFS
| Q4 25 | $87.1M | $104.2M | ||
| Q3 25 | $100.5M | $82.8M | ||
| Q2 25 | $80.2M | $59.8M | ||
| Q1 25 | $77.1M | $83.6M | ||
| Q4 24 | $75.7M | $83.5M | ||
| Q3 24 | $73.7M | $64.8M | ||
| Q2 24 | $75.8M | $49.1M | ||
| Q1 24 | $73.5M | $61.4M |
营业利润率FBPFCFS
| Q4 25 | 41.7% | 28.5% | ||
| Q3 25 | 42.7% | 27.4% | ||
| Q2 25 | 41.7% | 21.1% | ||
| Q1 25 | 40.4% | 30.0% | ||
| Q4 24 | 39.8% | 26.5% | ||
| Q3 24 | 41.1% | 23.5% | ||
| Q2 24 | 43.8% | 18.2% | ||
| Q1 24 | 42.3% | 22.3% |
净利率FBPFCFS
| Q4 25 | 33.9% | 20.8% | ||
| Q3 25 | 40.4% | 20.1% | ||
| Q2 25 | 32.5% | 15.5% | ||
| Q1 25 | 31.1% | 22.5% | ||
| Q4 24 | 31.4% | 20.2% | ||
| Q3 24 | 31.4% | 17.9% | ||
| Q2 24 | 32.7% | 13.5% | ||
| Q1 24 | 31.9% | 16.7% |
每股收益（稀释后）FBPFCFS
| Q4 25 | $0.55 | $2.35 | ||
| Q3 25 | $0.63 | $1.86 | ||
| Q2 25 | $0.50 | $1.34 | ||
| Q1 25 | $0.47 | $1.87 | ||
| Q4 24 | $0.46 | $1.86 | ||
| Q3 24 | $0.45 | $1.44 | ||
| Q2 24 | $0.46 | $1.08 | ||
| Q1 24 | $0.44 | $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 | $290.0M | $2.2B |
| 股东权益账面价值 | $2.0B | $2.3B |
| 总资产 | $19.1B | $5.3B |
| 负债/权益比越低杠杆越低 | 0.15× | 0.98× |
8季度趋势，按日历期对齐
现金及短期投资FBPFCFS
| 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FBPFCFS
| Q4 25 | $290.0M | $2.2B | ||
| Q3 25 | $290.0M | $2.2B | ||
| Q2 25 | $320.0M | $1.7B | ||
| Q1 25 | $331.1M | $1.7B | ||
| Q4 24 | $561.7M | $1.7B | ||
| Q3 24 | — | $1.7B | ||
| Q2 24 | — | $1.7B | ||
| Q1 24 | — | $1.5B |
股东权益FBPFCFS
| Q4 25 | $2.0B | $2.3B | ||
| Q3 25 | $1.9B | $2.2B | ||
| Q2 25 | $1.8B | $2.1B | ||
| Q1 25 | $1.8B | $2.1B | ||
| Q4 24 | $1.7B | $2.1B | ||
| Q3 24 | $1.7B | $2.0B | ||
| Q2 24 | $1.5B | $2.0B | ||
| Q1 24 | $1.5B | $2.0B |
总资产FBPFCFS
| Q4 25 | $19.1B | $5.3B | ||
| Q3 25 | $19.3B | $5.2B | ||
| Q2 25 | $18.9B | $4.5B | ||
| Q1 25 | $19.1B | $4.4B | ||
| Q4 24 | $19.3B | $4.5B | ||
| Q3 24 | $18.9B | $4.4B | ||
| Q2 24 | $18.9B | $4.3B | ||
| Q1 24 | $18.9B | $4.2B |
负债/权益比FBPFCFS
| Q4 25 | 0.15× | 0.98× | ||
| Q3 25 | 0.15× | 1.01× | ||
| Q2 25 | 0.17× | 0.79× | ||
| Q1 25 | 0.19× | 0.83× | ||
| Q4 24 | 0.34× | 0.85× | ||
| Q3 24 | — | 0.87× | ||
| Q2 24 | — | 0.85× | ||
| Q1 24 | — | 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 | $107.3M | $206.6M |
| 自由现金流经营现金流 - 资本支出 | $103.2M | — |
| 自由现金流率自由现金流/营收 | 40.1% | — |
| 资本支出强度资本支出/营收 | 1.6% | — |
| 现金转化率经营现金流/净利润 | 1.23× | 1.98× |
| 过去12个月自由现金流最近4个季度 | $437.5M | — |
8季度趋势，按日历期对齐
经营现金流FBPFCFS
| Q4 25 | $107.3M | $206.6M | ||
| Q3 25 | $137.6M | $135.8M | ||
| Q2 25 | $95.4M | $116.9M | ||
| Q1 25 | $108.2M | $126.6M | ||
| Q4 24 | $96.8M | $198.1M | ||
| Q3 24 | $118.0M | $113.1M | ||
| Q2 24 | $71.1M | $106.2M | ||
| Q1 24 | $118.2M | $122.5M |
自由现金流FBPFCFS
| Q4 25 | $103.2M | — | ||
| Q3 25 | $134.8M | — | ||
| Q2 25 | $92.8M | — | ||
| Q1 25 | $106.7M | — | ||
| Q4 24 | $95.2M | — | ||
| Q3 24 | $115.4M | — | ||
| Q2 24 | $69.4M | — | ||
| Q1 24 | $114.1M | — |
自由现金流率FBPFCFS
| Q4 25 | 40.1% | — | ||
| Q3 25 | 54.2% | — | ||
| Q2 25 | 37.6% | — | ||
| Q1 25 | 43.0% | — | ||
| Q4 24 | 39.4% | — | ||
| Q3 24 | 49.2% | — | ||
| Q2 24 | 30.0% | — | ||
| Q1 24 | 49.5% | — |
资本支出强度FBPFCFS
| Q4 25 | 1.6% | — | ||
| Q3 25 | 1.2% | — | ||
| Q2 25 | 1.1% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 0.7% | — | ||
| Q3 24 | 1.1% | — | ||
| Q2 24 | 0.7% | — | ||
| Q1 24 | 1.8% | — |
现金转化率FBPFCFS
| Q4 25 | 1.23× | 1.98× | ||
| Q3 25 | 1.37× | 1.64× | ||
| Q2 25 | 1.19× | 1.95× | ||
| Q1 25 | 1.40× | 1.51× | ||
| Q4 24 | 1.28× | 2.37× | ||
| Q3 24 | 1.60× | 1.74× | ||
| Q2 24 | 0.94× | 2.16× | ||
| Q1 24 | 1.61× | 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
FBP
| Consumer Retail Banking Segment | $171.5M | 67% |
| Commercial And Corporate Segment | $46.9M | 18% |
| Mortgage Banking Segment | $22.4M | 9% |
| Virgin Islands Operations Segment | $18.6M | 7% |
FCFS
| US Pawn Segment | $292.2M | 58% |
| Retail POS Payment Solutions | $209.8M | 42% |
