vs
FirstCash Holdings, Inc.（FCFS）与FIRST FINANCIAL BANCORP（FFBC）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 FINANCIAL BANCORP的1.8倍（$501.3M vs $271.5M），FIRST FINANCIAL BANCORP净利率更高（27.4% vs 20.8%，领先6.6%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 12.4%）
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。
第一金融银行集团是总部位于美国俄亥俄州辛辛那提的区域性银行，运营中心设于辛辛那提北郊斯普林代尔及印第安纳州格林斯堡。该行成立于1863年，拥有美国第六悠久的国家银行牌照，在俄亥俄、印第安纳、肯塔基、伊利诺伊四州共设有131个营业网点，2009年9月曾在政府协助下收购欧文金融公司及其子公司。
FCFS vs FFBC — 直观对比
营收规模更大
FCFS
是对方的1.8倍
$271.5M
净利率更高
FFBC
高出6.6%
20.8%
两年增速更快
FCFS
近两年复合增速
12.4%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $271.5M |
| 净利润 | $104.2M | $74.4M |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | — |
| 净利率 | 20.8% | 27.4% |
| 营收同比 | 21.2% | — |
| 净利润同比 | 24.7% | 19.3% |
| 每股收益（稀释后） | $2.35 | $0.71 |
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FCFSFFBC
| Q1 26 | — | $271.5M | ||
| Q4 25 | $501.3M | $238.8M | ||
| Q3 25 | $411.0M | $234.0M | ||
| Q2 25 | $385.1M | $226.3M | ||
| Q1 25 | $371.1M | $200.4M | ||
| Q4 24 | $413.7M | $224.3M | ||
| Q3 24 | $363.1M | $201.3M | ||
| Q2 24 | $363.5M | $214.8M |
净利润FCFSFFBC
| Q1 26 | — | $74.4M | ||
| Q4 25 | $104.2M | — | ||
| Q3 25 | $82.8M | $71.9M | ||
| Q2 25 | $59.8M | $70.0M | ||
| Q1 25 | $83.6M | $51.3M | ||
| Q4 24 | $83.5M | — | ||
| Q3 24 | $64.8M | $52.5M | ||
| Q2 24 | $49.1M | $60.8M |
营业利润率FCFSFFBC
| Q1 26 | — | — | ||
| Q4 25 | 28.5% | — | ||
| Q3 25 | 27.4% | 38.7% | ||
| Q2 25 | 21.1% | 38.8% | ||
| Q1 25 | 30.0% | 31.7% | ||
| Q4 24 | 26.5% | — | ||
| Q3 24 | 23.5% | 32.2% | ||
| Q2 24 | 18.2% | 34.8% |
净利率FCFSFFBC
| Q1 26 | — | 27.4% | ||
| Q4 25 | 20.8% | — | ||
| Q3 25 | 20.1% | 30.7% | ||
| Q2 25 | 15.5% | 30.9% | ||
| Q1 25 | 22.5% | 25.6% | ||
| Q4 24 | 20.2% | — | ||
| Q3 24 | 17.9% | 26.1% | ||
| Q2 24 | 13.5% | 28.3% |
每股收益（稀释后）FCFSFFBC
| Q1 26 | — | $0.71 | ||
| Q4 25 | $2.35 | $0.64 | ||
| Q3 25 | $1.86 | $0.75 | ||
| Q2 25 | $1.34 | $0.73 | ||
| Q1 25 | $1.87 | $0.54 | ||
| Q4 24 | $1.86 | $0.68 | ||
| Q3 24 | $1.44 | $0.55 | ||
| Q2 24 | $1.08 | $0.64 |
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 | $2.2B | $13.1M |
| 股东权益账面价值 | $2.3B | $2.9B |
| 总资产 | $5.3B | $22.5B |
| 负债/权益比越低杠杆越低 | 0.98× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资FCFSFFBC
| Q1 26 | — | — | ||
| 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 | — |
总债务FCFSFFBC
| Q1 26 | — | $13.1M | ||
| Q4 25 | $2.2B | $514.1M | ||
| Q3 25 | $2.2B | $221.8M | ||
| Q2 25 | $1.7B | $345.0M | ||
| Q1 25 | $1.7B | $345.9M | ||
| Q4 24 | $1.7B | $347.5M | ||
| Q3 24 | $1.7B | $344.1M | ||
| Q2 24 | $1.7B | $338.6M |
股东权益FCFSFFBC
| Q1 26 | — | $2.9B | ||
| Q4 25 | $2.3B | $2.8B | ||
| Q3 25 | $2.2B | $2.6B | ||
| Q2 25 | $2.1B | $2.6B | ||
| Q1 25 | $2.1B | $2.5B | ||
| Q4 24 | $2.1B | $2.4B | ||
| Q3 24 | $2.0B | $2.5B | ||
| Q2 24 | $2.0B | $2.3B |
总资产FCFSFFBC
| Q1 26 | — | $22.5B | ||
| Q4 25 | $5.3B | $21.1B | ||
| Q3 25 | $5.2B | $18.6B | ||
| Q2 25 | $4.5B | $18.6B | ||
| Q1 25 | $4.4B | $18.5B | ||
| Q4 24 | $4.5B | $18.6B | ||
| Q3 24 | $4.4B | $18.1B | ||
| Q2 24 | $4.3B | $18.2B |
负债/权益比FCFSFFBC
| Q1 26 | — | 0.00× | ||
| Q4 25 | 0.98× | 0.19× | ||
| Q3 25 | 1.01× | 0.08× | ||
| Q2 25 | 0.79× | 0.13× | ||
| Q1 25 | 0.83× | 0.14× | ||
| Q4 24 | 0.85× | 0.14× | ||
| Q3 24 | 0.87× | 0.14× | ||
| Q2 24 | 0.85× | 0.15× |
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FCFSFFBC
| Q1 26 | — | — | ||
| Q4 25 | $206.6M | $337.9M | ||
| Q3 25 | $135.8M | $89.8M | ||
| Q2 25 | $116.9M | $69.8M | ||
| Q1 25 | $126.6M | $56.1M | ||
| Q4 24 | $198.1M | $262.2M | ||
| Q3 24 | $113.1M | $88.1M | ||
| Q2 24 | $106.2M | $68.1M |
自由现金流FCFSFFBC
| Q1 26 | — | — | ||
| Q4 25 | — | $317.1M | ||
| Q3 25 | — | $85.8M | ||
| Q2 25 | — | $64.8M | ||
| Q1 25 | — | $52.4M | ||
| Q4 24 | — | $241.1M | ||
| Q3 24 | — | $84.4M | ||
| Q2 24 | — | $64.8M |
自由现金流率FCFSFFBC
| Q1 26 | — | — | ||
| Q4 25 | — | 132.8% | ||
| Q3 25 | — | 36.7% | ||
| Q2 25 | — | 28.6% | ||
| Q1 25 | — | 26.1% | ||
| Q4 24 | — | 107.5% | ||
| Q3 24 | — | 42.0% | ||
| Q2 24 | — | 30.2% |
资本支出强度FCFSFFBC
| Q1 26 | — | — | ||
| Q4 25 | — | 8.7% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | 2.2% | ||
| Q1 25 | — | 1.9% | ||
| Q4 24 | — | 9.4% | ||
| Q3 24 | — | 1.8% | ||
| Q2 24 | — | 1.5% |
现金转化率FCFSFFBC
| Q1 26 | — | — | ||
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | 1.25× | ||
| Q2 25 | 1.95× | 1.00× | ||
| Q1 25 | 1.51× | 1.09× | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | 1.68× | ||
| Q2 24 | 2.16× | 1.12× |
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
FCFS
| US Pawn Segment | $292.2M | 58% |
| Retail POS Payment Solutions | $209.8M | 42% |
FFBC
| Net Interest Income | $189.6M | 70% |
| Noninterest Income | $81.9M | 30% |
