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FirstCash Holdings, Inc.（FCFS）与Lucid Group, Inc.（LCID）财务数据对比。点击上方公司名可切换其他公司
Lucid Group, Inc.的季度营收约是FirstCash Holdings, Inc.的1.0倍（$522.7M vs $501.3M），FirstCash Holdings, Inc.净利率更高（20.8% vs -155.7%，领先176.5%），Lucid Group, Inc.同比增速更快（122.9% vs 21.2%），过去两年Lucid Group, Inc.的营收复合增速更高（74.0% vs 16.9%）
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。
Lucid Group, Inc.是总部位于美国加利福尼亚州纽瓦克的汽车科技企业，专注于电动汽车制造及先进电动汽车动力系统供应。2021年9月，公司在亚利桑那州卡萨格兰德的工厂开始生产Lucid Air豪华轿车，第二款车型Lucid Gravity SUV于2024年12月投产，同时也为阿斯顿·马丁等其他车企供应和研发动力总成技术。
FCFS vs LCID — 直观对比
营收规模更大
LCID
是对方的1.0倍
$501.3M
营收增速更快
LCID
高出101.8%
21.2%
净利率更高
FCFS
高出176.5%
-155.7%
两年增速更快
LCID
近两年复合增速
16.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $522.7M |
| 净利润 | $104.2M | $-814.0M |
| 毛利率 | — | -80.7% |
| 营业利润率 | 28.5% | -203.7% |
| 净利率 | 20.8% | -155.7% |
| 营收同比 | 21.2% | 122.9% |
| 净利润同比 | 24.7% | -104.9% |
| 每股收益（稀释后） | $2.35 | $-8.26 |
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FCFSLCID
| Q4 25 | $501.3M | $522.7M | ||
| Q3 25 | $411.0M | $336.6M | ||
| Q2 25 | $385.1M | $259.4M | ||
| Q1 25 | $371.1M | $235.0M | ||
| Q4 24 | $413.7M | $234.5M | ||
| Q3 24 | $363.1M | $200.0M | ||
| Q2 24 | $363.5M | $200.6M | ||
| Q1 24 | $366.8M | $172.7M |
净利润FCFSLCID
| Q4 25 | $104.2M | $-814.0M | ||
| Q3 25 | $82.8M | $-978.4M | ||
| Q2 25 | $59.8M | $-539.4M | ||
| Q1 25 | $83.6M | $-366.2M | ||
| Q4 24 | $83.5M | $-397.2M | ||
| Q3 24 | $64.8M | $-992.5M | ||
| Q2 24 | $49.1M | $-643.4M | ||
| Q1 24 | $61.4M | $-680.9M |
毛利率FCFSLCID
| Q4 25 | — | -80.7% | ||
| Q3 25 | — | -99.1% | ||
| Q2 25 | — | -105.0% | ||
| Q1 25 | — | -97.2% | ||
| Q4 24 | — | -89.0% | ||
| Q3 24 | — | -106.2% | ||
| Q2 24 | — | -134.5% | ||
| Q1 24 | — | -134.3% |
营业利润率FCFSLCID
| Q4 25 | 28.5% | -203.7% | ||
| Q3 25 | 27.4% | -279.9% | ||
| Q2 25 | 21.1% | -309.5% | ||
| Q1 25 | 30.0% | -294.4% | ||
| Q4 24 | 26.5% | -312.6% | ||
| Q3 24 | 23.5% | -385.2% | ||
| Q2 24 | 18.2% | -392.6% | ||
| Q1 24 | 22.3% | -422.6% |
净利率FCFSLCID
| Q4 25 | 20.8% | -155.7% | ||
| Q3 25 | 20.1% | -290.7% | ||
| Q2 25 | 15.5% | -207.9% | ||
| Q1 25 | 22.5% | -155.8% | ||
| Q4 24 | 20.2% | -169.4% | ||
| Q3 24 | 17.9% | -496.1% | ||
| Q2 24 | 13.5% | -320.8% | ||
| Q1 24 | 16.7% | -394.2% |
每股收益（稀释后）FCFSLCID
| Q4 25 | $2.35 | $-8.26 | ||
| Q3 25 | $1.86 | $-3.31 | ||
| Q2 25 | $1.34 | $-0.28 | ||
| Q1 25 | $1.87 | $-0.24 | ||
| Q4 24 | $1.86 | $-0.20 | ||
| Q3 24 | $1.44 | $-0.41 | ||
| Q2 24 | $1.08 | $-0.34 | ||
| Q1 24 | $1.35 | $-0.30 |
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 | $1.6B |
| 总债务越低越好 | $2.2B | — |
| 股东权益账面价值 | $2.3B | $717.3M |
| 总资产 | $5.3B | $8.4B |
| 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FCFSLCID
| Q4 25 | $125.2M | $1.6B | ||
| Q3 25 | $130.2M | $2.3B | ||
| Q2 25 | $101.5M | $2.8B | ||
| Q1 25 | $146.0M | $3.6B | ||
| Q4 24 | $175.1M | $4.0B | ||
| Q3 24 | $106.3M | $3.5B | ||
| Q2 24 | $113.7M | $3.2B | ||
| Q1 24 | $135.1M | $4.0B |
总债务FCFSLCID
| 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FCFSLCID
| Q4 25 | $2.3B | $717.3M | ||
| Q3 25 | $2.2B | $1.8B | ||
| Q2 25 | $2.1B | $2.4B | ||
| Q1 25 | $2.1B | $3.2B | ||
| Q4 24 | $2.1B | $3.9B | ||
| Q3 24 | $2.0B | $2.7B | ||
| Q2 24 | $2.0B | $3.5B | ||
| Q1 24 | $2.0B | $4.2B |
总资产FCFSLCID
| Q4 25 | $5.3B | $8.4B | ||
| Q3 25 | $5.2B | $8.8B | ||
| Q2 25 | $4.5B | $8.9B | ||
| Q1 25 | $4.4B | $9.2B | ||
| Q4 24 | $4.5B | $9.6B | ||
| Q3 24 | $4.4B | $8.5B | ||
| Q2 24 | $4.3B | $8.2B | ||
| Q1 24 | $4.2B | $8.9B |
负债/权益比FCFSLCID
| 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 | $-916.4M |
| 自由现金流经营现金流 - 资本支出 | — | $-1.2B |
| 自由现金流率自由现金流/营收 | — | -237.6% |
| 资本支出强度资本支出/营收 | — | 62.3% |
| 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 | — | $-3.8B |
8季度趋势，按日历期对齐
经营现金流FCFSLCID
| Q4 25 | $206.6M | $-916.4M | ||
| Q3 25 | $135.8M | $-756.6M | ||
| Q2 25 | $116.9M | $-830.2M | ||
| Q1 25 | $126.6M | $-428.6M | ||
| Q4 24 | $198.1M | $-533.1M | ||
| Q3 24 | $113.1M | $-462.8M | ||
| Q2 24 | $106.2M | $-507.0M | ||
| Q1 24 | $122.5M | $-516.7M |
自由现金流FCFSLCID
| Q4 25 | — | $-1.2B | ||
| Q3 25 | — | $-955.5M | ||
| Q2 25 | — | $-1.0B | ||
| Q1 25 | — | $-589.9M | ||
| Q4 24 | — | $-824.8M | ||
| Q3 24 | — | $-622.5M | ||
| Q2 24 | — | $-741.3M | ||
| Q1 24 | — | $-714.9M |
自由现金流率FCFSLCID
| Q4 25 | — | -237.6% | ||
| Q3 25 | — | -283.9% | ||
| Q2 25 | — | -390.4% | ||
| Q1 25 | — | -251.0% | ||
| Q4 24 | — | -351.8% | ||
| Q3 24 | — | -311.2% | ||
| Q2 24 | — | -369.6% | ||
| Q1 24 | — | -413.9% |
资本支出强度FCFSLCID
| Q4 25 | — | 62.3% | ||
| Q3 25 | — | 59.1% | ||
| Q2 25 | — | 70.4% | ||
| Q1 25 | — | 68.6% | ||
| Q4 24 | — | 124.4% | ||
| Q3 24 | — | 79.8% | ||
| Q2 24 | — | 116.8% | ||
| Q1 24 | — | 114.7% |
现金转化率FCFSLCID
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | — | ||
| Q2 25 | 1.95× | — | ||
| Q1 25 | 1.51× | — | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | — | ||
| Q2 24 | 2.16× | — | ||
| Q1 24 | 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
FCFS
| US Pawn Segment | $292.2M | 58% |
| Retail POS Payment Solutions | $209.8M | 42% |
LCID
| LCNRV | $287.2M | 55% |
| Other | $80.4M | 15% |
| Related Party | $74.4M | 14% |
| Regulatory Credits | $34.2M | 7% |
| Warranty Provision | $26.2M | 5% |
| Sale And Leaseback Transactions | $15.2M | 3% |
| Other International | $5.0M | 1% |
