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FirstCash Holdings, Inc.（FCFS）与LendingClub Corp（LC）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LendingClub Corp的2.0倍（$501.3M vs $252.3M），FirstCash Holdings, Inc.净利率更高（20.8% vs 20.5%，领先0.3%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 15.9%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 16.1%）
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。
LendingClub Corp是总部位于美国加利福尼亚州旧金山的金融服务企业，是全球首家将旗下产品作为证券完成注册的P2P借贷平台，同时支持贷款在二级市场交易。巅峰时期它是全球规模最大的P2P借贷平台，截至2015年12月31日，平台累计促成贷款发放额达159.8亿美元。
FCFS vs LC — 直观对比
营收规模更大
FCFS
是对方的2.0倍
$252.3M
营收增速更快
FCFS
高出5.3%
15.9%
净利率更高
FCFS
高出0.3%
20.5%
两年增速更快
FCFS
近两年复合增速
16.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $252.3M |
| 净利润 | $104.2M | $51.6M |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | — |
| 净利率 | 20.8% | 20.5% |
| 营收同比 | 21.2% | 15.9% |
| 净利润同比 | 24.7% | 341.0% |
| 每股收益（稀释后） | $2.35 | $0.44 |
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FCFSLC
| Q1 26 | — | $252.3M | ||
| Q4 25 | $501.3M | $266.5M | ||
| Q3 25 | $411.0M | $266.2M | ||
| Q2 25 | $385.1M | $248.4M | ||
| Q1 25 | $371.1M | $217.7M | ||
| Q4 24 | $413.7M | $217.2M | ||
| Q3 24 | $363.1M | $201.9M | ||
| Q2 24 | $363.5M | $187.2M |
净利润FCFSLC
| Q1 26 | — | $51.6M | ||
| Q4 25 | $104.2M | — | ||
| Q3 25 | $82.8M | $44.3M | ||
| Q2 25 | $59.8M | $38.2M | ||
| Q1 25 | $83.6M | $11.7M | ||
| Q4 24 | $83.5M | — | ||
| Q3 24 | $64.8M | $14.5M | ||
| Q2 24 | $49.1M | $14.9M |
营业利润率FCFSLC
| Q1 26 | — | — | ||
| Q4 25 | 28.5% | 18.8% | ||
| Q3 25 | 27.4% | 21.5% | ||
| Q2 25 | 21.1% | 21.7% | ||
| Q1 25 | 30.0% | 7.2% | ||
| Q4 24 | 26.5% | 5.1% | ||
| Q3 24 | 23.5% | 8.9% | ||
| Q2 24 | 18.2% | 10.4% |
净利率FCFSLC
| Q1 26 | — | 20.5% | ||
| Q4 25 | 20.8% | — | ||
| Q3 25 | 20.1% | 16.6% | ||
| Q2 25 | 15.5% | 15.4% | ||
| Q1 25 | 22.5% | 5.4% | ||
| Q4 24 | 20.2% | — | ||
| Q3 24 | 17.9% | 7.2% | ||
| Q2 24 | 13.5% | 8.0% |
每股收益（稀释后）FCFSLC
| Q1 26 | — | $0.44 | ||
| Q4 25 | $2.35 | $0.36 | ||
| Q3 25 | $1.86 | $0.37 | ||
| Q2 25 | $1.34 | $0.33 | ||
| Q1 25 | $1.87 | $0.10 | ||
| Q4 24 | $1.86 | $0.08 | ||
| Q3 24 | $1.44 | $0.13 | ||
| Q2 24 | $1.08 | $0.13 |
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 | — |
| 股东权益账面价值 | $2.3B | $1.5B |
| 总资产 | $5.3B | $11.9B |
| 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FCFSLC
| 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FCFSLC
| Q1 26 | — | — | ||
| Q4 25 | $2.2B | $0 | ||
| Q3 25 | $2.2B | $0 | ||
| Q2 25 | $1.7B | $0 | ||
| Q1 25 | $1.7B | $0 | ||
| Q4 24 | $1.7B | $0 | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | — |
股东权益FCFSLC
| Q1 26 | — | $1.5B | ||
| Q4 25 | $2.3B | $1.5B | ||
| Q3 25 | $2.2B | $1.5B | ||
| Q2 25 | $2.1B | $1.4B | ||
| Q1 25 | $2.1B | $1.4B | ||
| Q4 24 | $2.1B | $1.3B | ||
| Q3 24 | $2.0B | $1.3B | ||
| Q2 24 | $2.0B | $1.3B |
总资产FCFSLC
| Q1 26 | — | $11.9B | ||
| Q4 25 | $5.3B | $11.6B | ||
| Q3 25 | $5.2B | $11.1B | ||
| Q2 25 | $4.5B | $10.8B | ||
| Q1 25 | $4.4B | $10.5B | ||
| Q4 24 | $4.5B | $10.6B | ||
| Q3 24 | $4.4B | $11.0B | ||
| Q2 24 | $4.3B | $9.6B |
负债/权益比FCFSLC
| Q1 26 | — | — | ||
| Q4 25 | 0.98× | 0.00× | ||
| Q3 25 | 1.01× | 0.00× | ||
| Q2 25 | 0.79× | 0.00× | ||
| Q1 25 | 0.83× | 0.00× | ||
| Q4 24 | 0.85× | 0.00× | ||
| Q3 24 | 0.87× | — | ||
| Q2 24 | 0.85× | — |
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FCFSLC
| Q1 26 | — | — | ||
| Q4 25 | $206.6M | $-2.7B | ||
| Q3 25 | $135.8M | $-770.8M | ||
| Q2 25 | $116.9M | $-713.1M | ||
| Q1 25 | $126.6M | $-339.3M | ||
| Q4 24 | $198.1M | $-2.6B | ||
| Q3 24 | $113.1M | $-669.8M | ||
| Q2 24 | $106.2M | $-932.5M |
自由现金流FCFSLC
| Q1 26 | — | — | ||
| Q4 25 | — | $-2.9B | ||
| Q3 25 | — | $-791.8M | ||
| Q2 25 | — | $-803.8M | ||
| Q1 25 | — | $-352.3M | ||
| Q4 24 | — | $-2.7B | ||
| Q3 24 | — | $-682.3M | ||
| Q2 24 | — | $-945.3M |
自由现金流率FCFSLC
| Q1 26 | — | — | ||
| Q4 25 | — | -1076.0% | ||
| Q3 25 | — | -297.4% | ||
| Q2 25 | — | -323.5% | ||
| Q1 25 | — | -161.8% | ||
| Q4 24 | — | -1237.8% | ||
| Q3 24 | — | -338.0% | ||
| Q2 24 | — | -504.9% |
资本支出强度FCFSLC
| Q1 26 | — | — | ||
| Q4 25 | — | 52.7% | ||
| Q3 25 | — | 7.9% | ||
| Q2 25 | — | 36.5% | ||
| Q1 25 | — | 6.0% | ||
| Q4 24 | — | 25.0% | ||
| Q3 24 | — | 6.2% | ||
| Q2 24 | — | 6.9% |
现金转化率FCFSLC
| Q1 26 | — | — | ||
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | -17.41× | ||
| Q2 25 | 1.95× | -18.68× | ||
| Q1 25 | 1.51× | -29.07× | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | -46.33× | ||
| Q2 24 | 2.16× | -62.57× |
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% |
LC
暂无分部数据
