vs
FirstCash Holdings, Inc.（FCFS）与Fair Isaac（FICO）财务数据对比。点击上方公司名可切换其他公司
Fair Isaac的季度营收约是FirstCash Holdings, Inc.的1.0倍（$512.0M vs $501.3M），Fair Isaac净利率更高（30.9% vs 20.8%，领先10.2%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 16.4%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 8.6%）
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。
FICO（原Fair, Isaac and Company）是美国知名数据分析企业，1956年由比尔·费尔与厄尔·艾萨克创立，总部位于蒙大拿州博兹曼市，核心业务为信用评分服务，其推出的FICO信用分是评估消费者信贷风险的重要指标，目前已被美国消费信贷行业广泛采用。
FCFS vs FICO — 直观对比
营收规模更大
FICO
是对方的1.0倍
$501.3M
营收增速更快
FCFS
高出4.8%
16.4%
净利率更高
FICO
高出10.2%
20.8%
两年增速更快
FCFS
近两年复合增速
8.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $512.0M |
| 净利润 | $104.2M | $158.4M |
| 毛利率 | — | 83.0% |
| 营业利润率 | 28.5% | 45.7% |
| 净利率 | 20.8% | 30.9% |
| 营收同比 | 21.2% | 16.4% |
| 净利润同比 | 24.7% | 3.8% |
| 每股收益（稀释后） | $2.35 | $6.61 |
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FCFSFICO
| Q4 25 | $501.3M | $512.0M | ||
| Q3 25 | $411.0M | $515.8M | ||
| Q2 25 | $385.1M | $536.4M | ||
| Q1 25 | $371.1M | $498.7M | ||
| Q4 24 | $413.7M | $440.0M | ||
| Q3 24 | $363.1M | $453.8M | ||
| Q2 24 | $363.5M | $447.8M | ||
| Q1 24 | $366.8M | $433.8M |
净利润FCFSFICO
| Q4 25 | $104.2M | $158.4M | ||
| Q3 25 | $82.8M | $155.0M | ||
| Q2 25 | $59.8M | $181.8M | ||
| Q1 25 | $83.6M | $162.6M | ||
| Q4 24 | $83.5M | $152.5M | ||
| Q3 24 | $64.8M | $135.7M | ||
| Q2 24 | $49.1M | $126.3M | ||
| Q1 24 | $61.4M | $129.8M |
毛利率FCFSFICO
| Q4 25 | — | 83.0% | ||
| Q3 25 | — | 82.3% | ||
| Q2 25 | — | 83.7% | ||
| Q1 25 | — | 82.4% | ||
| Q4 24 | — | 80.1% | ||
| Q3 24 | — | 80.3% | ||
| Q2 24 | — | 80.3% | ||
| Q1 24 | — | 80.0% |
营业利润率FCFSFICO
| Q4 25 | 28.5% | 45.7% | ||
| Q3 25 | 27.4% | 46.0% | ||
| Q2 25 | 21.1% | 48.9% | ||
| Q1 25 | 30.0% | 49.3% | ||
| Q4 24 | 26.5% | 40.8% | ||
| Q3 24 | 23.5% | 43.4% | ||
| Q2 24 | 18.2% | 42.5% | ||
| Q1 24 | 22.3% | 44.9% |
净利率FCFSFICO
| Q4 25 | 20.8% | 30.9% | ||
| Q3 25 | 20.1% | 30.1% | ||
| Q2 25 | 15.5% | 33.9% | ||
| Q1 25 | 22.5% | 32.6% | ||
| Q4 24 | 20.2% | 34.7% | ||
| Q3 24 | 17.9% | 29.9% | ||
| Q2 24 | 13.5% | 28.2% | ||
| Q1 24 | 16.7% | 29.9% |
每股收益（稀释后）FCFSFICO
| Q4 25 | $2.35 | $6.61 | ||
| Q3 25 | $1.86 | $6.41 | ||
| Q2 25 | $1.34 | $7.40 | ||
| Q1 25 | $1.87 | $6.59 | ||
| Q4 24 | $1.86 | $6.14 | ||
| Q3 24 | $1.44 | $5.44 | ||
| Q2 24 | $1.08 | $5.05 | ||
| Q1 24 | $1.35 | $5.16 |
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 | $162.0M |
| 总债务越低越好 | $2.2B | $3.2B |
| 股东权益账面价值 | $2.3B | $-1.8B |
| 总资产 | $5.3B | $1.9B |
| 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FCFSFICO
| Q4 25 | $125.2M | $162.0M | ||
| Q3 25 | $130.2M | $134.1M | ||
| Q2 25 | $101.5M | $189.0M | ||
| Q1 25 | $146.0M | $146.6M | ||
| Q4 24 | $175.1M | $184.3M | ||
| Q3 24 | $106.3M | $150.7M | ||
| Q2 24 | $113.7M | $156.0M | ||
| Q1 24 | $135.1M | $135.7M |
总债务FCFSFICO
| Q4 25 | $2.2B | $3.2B | ||
| Q3 25 | $2.2B | $3.1B | ||
| Q2 25 | $1.7B | $2.8B | ||
| Q1 25 | $1.7B | $2.5B | ||
| Q4 24 | $1.7B | $2.4B | ||
| Q3 24 | $1.7B | $2.2B | ||
| Q2 24 | $1.7B | $2.1B | ||
| Q1 24 | $1.5B | $2.0B |
股东权益FCFSFICO
| Q4 25 | $2.3B | $-1.8B | ||
| Q3 25 | $2.2B | $-1.7B | ||
| Q2 25 | $2.1B | $-1.4B | ||
| Q1 25 | $2.1B | $-1.1B | ||
| Q4 24 | $2.1B | $-1.1B | ||
| Q3 24 | $2.0B | $-962.7M | ||
| Q2 24 | $2.0B | $-829.3M | ||
| Q1 24 | $2.0B | $-735.7M |
总资产FCFSFICO
| Q4 25 | $5.3B | $1.9B | ||
| Q3 25 | $5.2B | $1.9B | ||
| Q2 25 | $4.5B | $1.9B | ||
| Q1 25 | $4.4B | $1.8B | ||
| Q4 24 | $4.5B | $1.7B | ||
| Q3 24 | $4.4B | $1.7B | ||
| Q2 24 | $4.3B | $1.7B | ||
| Q1 24 | $4.2B | $1.7B |
负债/权益比FCFSFICO
| 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× | — | ||
| 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 | $206.6M | $174.1M |
| 自由现金流经营现金流 - 资本支出 | — | $173.9M |
| 自由现金流率自由现金流/营收 | — | 34.0% |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 现金转化率经营现金流/净利润 | 1.98× | 1.10× |
| 过去12个月自由现金流最近4个季度 | — | $750.6M |
8季度趋势，按日历期对齐
经营现金流FCFSFICO
| Q4 25 | $206.6M | $174.1M | ||
| Q3 25 | $135.8M | $223.7M | ||
| Q2 25 | $116.9M | $286.2M | ||
| Q1 25 | $126.6M | $74.9M | ||
| Q4 24 | $198.1M | $194.0M | ||
| Q3 24 | $113.1M | $226.5M | ||
| Q2 24 | $106.2M | $213.3M | ||
| Q1 24 | $122.5M | $71.0M |
自由现金流FCFSFICO
| Q4 25 | — | $173.9M | ||
| Q3 25 | — | $219.5M | ||
| Q2 25 | — | $284.4M | ||
| Q1 25 | — | $72.8M | ||
| Q4 24 | — | $193.2M | ||
| Q3 24 | — | $224.7M | ||
| Q2 24 | — | $211.6M | ||
| Q1 24 | — | $67.0M |
自由现金流率FCFSFICO
| Q4 25 | — | 34.0% | ||
| Q3 25 | — | 42.6% | ||
| Q2 25 | — | 53.0% | ||
| Q1 25 | — | 14.6% | ||
| Q4 24 | — | 43.9% | ||
| Q3 24 | — | 49.5% | ||
| Q2 24 | — | 47.2% | ||
| Q1 24 | — | 15.4% |
资本支出强度FCFSFICO
| Q4 25 | — | 0.0% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.3% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.4% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.9% |
现金转化率FCFSFICO
| Q4 25 | 1.98× | 1.10× | ||
| Q3 25 | 1.64× | 1.44× | ||
| Q2 25 | 1.95× | 1.57× | ||
| Q1 25 | 1.51× | 0.46× | ||
| Q4 24 | 2.37× | 1.27× | ||
| Q3 24 | 1.74× | 1.67× | ||
| Q2 24 | 2.16× | 1.69× | ||
| Q1 24 | 2.00× | 0.55× |
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% |
FICO
| Business To Business Scores | $248.6M | 49% |
| Saa S Products | $115.7M | 23% |
| Platform Software | $73.9M | 14% |
| Business To Consumer Scores | $55.9M | 11% |
| Technology Service | $19.2M | 4% |
