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FirstCash Holdings, Inc.（FCFS）与IDT CORP（IDT）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IDT CORP的1.6倍（$501.3M vs $322.8M），FirstCash Holdings, Inc.净利率更高（20.8% vs 6.9%，领先13.9%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 4.3%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 4.4%）
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。
IDT集团是一家跨国企业，总部位于美国新泽西州纽瓦克市，主营云通信、统一通信、销售点系统业务，同时为特定客户提供金融外汇服务，旗下拥有面向企业与消费者的多条业务线，知名产品包括Boss Revolution预付费电话卡。
FCFS vs IDT — 直观对比
营收规模更大
FCFS
是对方的1.6倍
$322.8M
营收增速更快
FCFS
高出16.9%
4.3%
净利率更高
FCFS
高出13.9%
6.9%
两年增速更快
FCFS
近两年复合增速
4.4%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $322.8M |
| 净利润 | $104.2M | $22.4M |
| 毛利率 | — | 36.6% |
| 营业利润率 | 28.5% | 9.6% |
| 净利率 | 20.8% | 6.9% |
| 营收同比 | 21.2% | 4.3% |
| 净利润同比 | 24.7% | 29.6% |
| 每股收益（稀释后） | $2.35 | $0.89 |
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FCFSIDT
| Q4 25 | $501.3M | $322.8M | ||
| Q3 25 | $411.0M | $316.6M | ||
| Q2 25 | $385.1M | $302.0M | ||
| Q1 25 | $371.1M | $303.3M | ||
| Q4 24 | $413.7M | $309.6M | ||
| Q3 24 | $363.1M | $308.8M | ||
| Q2 24 | $363.5M | $299.6M | ||
| Q1 24 | $366.8M | $296.1M |
净利润FCFSIDT
| Q4 25 | $104.2M | $22.4M | ||
| Q3 25 | $82.8M | $16.9M | ||
| Q2 25 | $59.8M | $21.7M | ||
| Q1 25 | $83.6M | $20.3M | ||
| Q4 24 | $83.5M | $17.2M | ||
| Q3 24 | $64.8M | $36.8M | ||
| Q2 24 | $49.1M | $5.6M | ||
| Q1 24 | $61.4M | $14.4M |
毛利率FCFSIDT
| Q4 25 | — | 36.6% | ||
| Q3 25 | — | 36.2% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 37.0% | ||
| Q4 24 | — | 34.8% | ||
| Q3 24 | — | 33.1% | ||
| Q2 24 | — | 32.4% | ||
| Q1 24 | — | 32.7% |
营业利润率FCFSIDT
| Q4 25 | 28.5% | 9.6% | ||
| Q3 25 | 27.4% | 6.9% | ||
| Q2 25 | 21.1% | 8.8% | ||
| Q1 25 | 30.0% | 9.3% | ||
| Q4 24 | 26.5% | 7.6% | ||
| Q3 24 | 23.5% | 6.5% | ||
| Q2 24 | 18.2% | 3.8% | ||
| Q1 24 | 22.3% | 5.4% |
净利率FCFSIDT
| Q4 25 | 20.8% | 6.9% | ||
| Q3 25 | 20.1% | 5.3% | ||
| Q2 25 | 15.5% | 7.2% | ||
| Q1 25 | 22.5% | 6.7% | ||
| Q4 24 | 20.2% | 5.6% | ||
| Q3 24 | 17.9% | 11.9% | ||
| Q2 24 | 13.5% | 1.9% | ||
| Q1 24 | 16.7% | 4.9% |
每股收益（稀释后）FCFSIDT
| Q4 25 | $2.35 | $0.89 | ||
| Q3 25 | $1.86 | $0.67 | ||
| Q2 25 | $1.34 | $0.86 | ||
| Q1 25 | $1.87 | $0.80 | ||
| Q4 24 | $1.86 | $0.68 | ||
| Q3 24 | $1.44 | $1.45 | ||
| Q2 24 | $1.08 | $0.22 | ||
| Q1 24 | $1.35 | $0.57 |
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 | $189.3M |
| 总债务越低越好 | $2.2B | — |
| 股东权益账面价值 | $2.3B | $320.7M |
| 总资产 | $5.3B | $654.9M |
| 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FCFSIDT
| Q4 25 | $125.2M | $189.3M | ||
| Q3 25 | $130.2M | $226.5M | ||
| Q2 25 | $101.5M | $199.9M | ||
| Q1 25 | $146.0M | $142.2M | ||
| Q4 24 | $175.1M | $148.0M | ||
| Q3 24 | $106.3M | $164.6M | ||
| Q2 24 | $113.7M | $139.8M | ||
| Q1 24 | $135.1M | $141.1M |
总债务FCFSIDT
| 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 | — | ||
| Q1 24 | $1.5B | — |
股东权益FCFSIDT
| Q4 25 | $2.3B | $320.7M | ||
| Q3 25 | $2.2B | $305.1M | ||
| Q2 25 | $2.1B | $286.2M | ||
| Q1 25 | $2.1B | $271.6M | ||
| Q4 24 | $2.1B | $260.6M | ||
| Q3 24 | $2.0B | $246.2M | ||
| Q2 24 | $2.0B | $214.5M | ||
| Q1 24 | $2.0B | $211.8M |
总资产FCFSIDT
| Q4 25 | $5.3B | $654.9M | ||
| Q3 25 | $5.2B | $626.2M | ||
| Q2 25 | $4.5B | $600.9M | ||
| Q1 25 | $4.4B | $575.7M | ||
| Q4 24 | $4.5B | $554.6M | ||
| Q3 24 | $4.4B | $550.1M | ||
| Q2 24 | $4.3B | $517.3M | ||
| Q1 24 | $4.2B | $521.8M |
负债/权益比FCFSIDT
| 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 | $-10.1M |
| 自由现金流经营现金流 - 资本支出 | — | $-16.0M |
| 自由现金流率自由现金流/营收 | — | -4.9% |
| 资本支出强度资本支出/营收 | — | 1.8% |
| 现金转化率经营现金流/净利润 | 1.98× | -0.45× |
| 过去12个月自由现金流最近4个季度 | — | $95.4M |
8季度趋势，按日历期对齐
经营现金流FCFSIDT
| Q4 25 | $206.6M | $-10.1M | ||
| Q3 25 | $135.8M | $31.0M | ||
| Q2 25 | $116.9M | $75.7M | ||
| Q1 25 | $126.6M | $20.2M | ||
| Q4 24 | $198.1M | $164.0K | ||
| Q3 24 | $113.1M | $25.4M | ||
| Q2 24 | $106.2M | $9.5M | ||
| Q1 24 | $122.5M | $28.4M |
自由现金流FCFSIDT
| Q4 25 | — | $-16.0M | ||
| Q3 25 | — | $25.7M | ||
| Q2 25 | — | $70.3M | ||
| Q1 25 | — | $15.3M | ||
| Q4 24 | — | $-5.1M | ||
| Q3 24 | — | $20.1M | ||
| Q2 24 | — | $4.7M | ||
| Q1 24 | — | $23.9M |
自由现金流率FCFSIDT
| Q4 25 | — | -4.9% | ||
| Q3 25 | — | 8.1% | ||
| Q2 25 | — | 23.3% | ||
| Q1 25 | — | 5.1% | ||
| Q4 24 | — | -1.7% | ||
| Q3 24 | — | 6.5% | ||
| Q2 24 | — | 1.6% | ||
| Q1 24 | — | 8.1% |
资本支出强度FCFSIDT
| Q4 25 | — | 1.8% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | 1.8% | ||
| Q1 25 | — | 1.6% | ||
| Q4 24 | — | 1.7% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 1.6% | ||
| Q1 24 | — | 1.5% |
现金转化率FCFSIDT
| Q4 25 | 1.98× | -0.45× | ||
| Q3 25 | 1.64× | 1.84× | ||
| Q2 25 | 1.95× | 3.49× | ||
| Q1 25 | 1.51× | 0.99× | ||
| Q4 24 | 2.37× | 0.01× | ||
| Q3 24 | 1.74× | 0.69× | ||
| Q2 24 | 2.16× | 1.71× | ||
| Q1 24 | 2.00× | 1.97× |
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% |
IDT
| IDT Digital Payments | $104.4M | 32% |
| IDT Global | $60.2M | 19% |
| BOSS Revolution | $45.7M | 14% |
| National Retail Solutions | $39.3M | 12% |
| BOSS Revolution Money Transfer | $36.3M | 11% |
| Net2phone | $23.9M | 7% |
| Other | $8.0M | 2% |
