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FirstCash Holdings, Inc.（FCFS）与LCI INDUSTRIES（LCII）财务数据对比。点击上方公司名可切换其他公司
LCI INDUSTRIES的季度营收约是FirstCash Holdings, Inc.的1.9倍（$932.7M vs $501.3M），FirstCash Holdings, Inc.净利率更高（20.8% vs 2.0%，领先18.8%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 16.1%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs -1.8%）
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。
拉奇核心工业有限公司前身为巴基斯坦帝国化学工业公司，是一家总部位于卡拉奇的巴基斯坦综合性企业集团，业务覆盖聚酯、医药、农用化学品、纯碱及兽药等多品类产品的研发生产，在巴基斯坦本土工业领域拥有重要市场地位。
FCFS vs LCII — 直观对比
营收规模更大
LCII
是对方的1.9倍
$501.3M
营收增速更快
FCFS
高出5.0%
16.1%
净利率更高
FCFS
高出18.8%
2.0%
两年增速更快
FCFS
近两年复合增速
-1.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $932.7M |
| 净利润 | $104.2M | $18.7M |
| 毛利率 | — | 22.1% |
| 营业利润率 | 28.5% | 3.8% |
| 净利率 | 20.8% | 2.0% |
| 营收同比 | 21.2% | 16.1% |
| 净利润同比 | 24.7% | 95.7% |
| 每股收益（稀释后） | $2.35 | $0.79 |
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FCFSLCII
| Q4 25 | $501.3M | $932.7M | ||
| Q3 25 | $411.0M | $1.0B | ||
| Q2 25 | $385.1M | $1.1B | ||
| Q1 25 | $371.1M | $1.0B | ||
| Q4 24 | $413.7M | $803.1M | ||
| Q3 24 | $363.1M | $915.5M | ||
| Q2 24 | $363.5M | $1.1B | ||
| Q1 24 | $366.8M | $968.0M |
净利润FCFSLCII
| Q4 25 | $104.2M | $18.7M | ||
| Q3 25 | $82.8M | $62.5M | ||
| Q2 25 | $59.8M | $57.6M | ||
| Q1 25 | $83.6M | $49.4M | ||
| Q4 24 | $83.5M | $9.5M | ||
| Q3 24 | $64.8M | $35.6M | ||
| Q2 24 | $49.1M | $61.2M | ||
| Q1 24 | $61.4M | $36.5M |
毛利率FCFSLCII
| Q4 25 | — | 22.1% | ||
| Q3 25 | — | 24.4% | ||
| Q2 25 | — | 24.4% | ||
| Q1 25 | — | 24.1% | ||
| Q4 24 | — | 21.1% | ||
| Q3 24 | — | 24.0% | ||
| Q2 24 | — | 25.3% | ||
| Q1 24 | — | 23.1% |
营业利润率FCFSLCII
| Q4 25 | 28.5% | 3.8% | ||
| Q3 25 | 27.4% | 7.3% | ||
| Q2 25 | 21.1% | 7.9% | ||
| Q1 25 | 30.0% | 7.8% | ||
| Q4 24 | 26.5% | 2.0% | ||
| Q3 24 | 23.5% | 5.9% | ||
| Q2 24 | 18.2% | 8.6% | ||
| Q1 24 | 22.3% | 6.0% |
净利率FCFSLCII
| Q4 25 | 20.8% | 2.0% | ||
| Q3 25 | 20.1% | 6.0% | ||
| Q2 25 | 15.5% | 5.2% | ||
| Q1 25 | 22.5% | 4.7% | ||
| Q4 24 | 20.2% | 1.2% | ||
| Q3 24 | 17.9% | 3.9% | ||
| Q2 24 | 13.5% | 5.8% | ||
| Q1 24 | 16.7% | 3.8% |
每股收益（稀释后）FCFSLCII
| Q4 25 | $2.35 | $0.79 | ||
| Q3 25 | $1.86 | $2.55 | ||
| Q2 25 | $1.34 | $2.29 | ||
| Q1 25 | $1.87 | $1.94 | ||
| Q4 24 | $1.86 | $0.37 | ||
| Q3 24 | $1.44 | $1.39 | ||
| Q2 24 | $1.08 | $2.40 | ||
| Q1 24 | $1.35 | $1.44 |
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 | $222.6M |
| 总债务越低越好 | $2.2B | $945.2M |
| 股东权益账面价值 | $2.3B | $1.4B |
| 总资产 | $5.3B | $3.2B |
| 负债/权益比越低杠杆越低 | 0.98× | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资FCFSLCII
| Q4 25 | $125.2M | $222.6M | ||
| Q3 25 | $130.2M | $199.7M | ||
| Q2 25 | $101.5M | $191.9M | ||
| Q1 25 | $146.0M | $231.2M | ||
| Q4 24 | $175.1M | $165.8M | ||
| Q3 24 | $106.3M | $161.2M | ||
| Q2 24 | $113.7M | $130.4M | ||
| Q1 24 | $135.1M | $22.6M |
总债务FCFSLCII
| Q4 25 | $2.2B | $945.2M | ||
| Q3 25 | $2.2B | $947.8M | ||
| Q2 25 | $1.7B | $948.0M | ||
| Q1 25 | $1.7B | $938.3M | ||
| Q4 24 | $1.7B | $757.3M | ||
| Q3 24 | $1.7B | $822.5M | ||
| Q2 24 | $1.7B | $829.7M | ||
| Q1 24 | $1.5B | $855.3M |
股东权益FCFSLCII
| Q4 25 | $2.3B | $1.4B | ||
| Q3 25 | $2.2B | $1.4B | ||
| Q2 25 | $2.1B | $1.4B | ||
| Q1 25 | $2.1B | $1.4B | ||
| Q4 24 | $2.1B | $1.4B | ||
| Q3 24 | $2.0B | $1.4B | ||
| Q2 24 | $2.0B | $1.4B | ||
| Q1 24 | $2.0B | $1.4B |
总资产FCFSLCII
| Q4 25 | $5.3B | $3.2B | ||
| Q3 25 | $5.2B | $3.2B | ||
| Q2 25 | $4.5B | $3.2B | ||
| Q1 25 | $4.4B | $3.1B | ||
| Q4 24 | $4.5B | $2.9B | ||
| Q3 24 | $4.4B | $3.0B | ||
| Q2 24 | $4.3B | $3.0B | ||
| Q1 24 | $4.2B | $3.0B |
负债/权益比FCFSLCII
| Q4 25 | 0.98× | 0.69× | ||
| Q3 25 | 1.01× | 0.70× | ||
| Q2 25 | 0.79× | 0.68× | ||
| Q1 25 | 0.83× | 0.69× | ||
| Q4 24 | 0.85× | 0.55× | ||
| Q3 24 | 0.87× | 0.58× | ||
| Q2 24 | 0.85× | 0.60× | ||
| Q1 24 | 0.75× | 0.63× |
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 | $78.9M |
| 自由现金流经营现金流 - 资本支出 | — | $64.3M |
| 自由现金流率自由现金流/营收 | — | 6.9% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 现金转化率经营现金流/净利润 | 1.98× | 4.22× |
| 过去12个月自由现金流最近4个季度 | — | $278.3M |
8季度趋势，按日历期对齐
经营现金流FCFSLCII
| Q4 25 | $206.6M | $78.9M | ||
| Q3 25 | $135.8M | $97.2M | ||
| Q2 25 | $116.9M | $112.2M | ||
| Q1 25 | $126.6M | $42.7M | ||
| Q4 24 | $198.1M | $106.6M | ||
| Q3 24 | $113.1M | $78.4M | ||
| Q2 24 | $106.2M | $192.9M | ||
| Q1 24 | $122.5M | $-7.7M |
自由现金流FCFSLCII
| Q4 25 | — | $64.3M | ||
| Q3 25 | — | $80.9M | ||
| Q2 25 | — | $99.5M | ||
| Q1 25 | — | $33.7M | ||
| Q4 24 | — | $95.7M | ||
| Q3 24 | — | $68.3M | ||
| Q2 24 | — | $180.2M | ||
| Q1 24 | — | $-16.3M |
自由现金流率FCFSLCII
| Q4 25 | — | 6.9% | ||
| Q3 25 | — | 7.8% | ||
| Q2 25 | — | 9.0% | ||
| Q1 25 | — | 3.2% | ||
| Q4 24 | — | 11.9% | ||
| Q3 24 | — | 7.5% | ||
| Q2 24 | — | 17.1% | ||
| Q1 24 | — | -1.7% |
资本支出强度FCFSLCII
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 1.6% | ||
| Q2 25 | — | 1.2% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 1.1% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 0.9% |
现金转化率FCFSLCII
| Q4 25 | 1.98× | 4.22× | ||
| Q3 25 | 1.64× | 1.55× | ||
| Q2 25 | 1.95× | 1.95× | ||
| Q1 25 | 1.51× | 0.86× | ||
| Q4 24 | 2.37× | 11.17× | ||
| Q3 24 | 1.74× | 2.20× | ||
| Q2 24 | 2.16× | 3.15× | ||
| Q1 24 | 2.00× | -0.21× |
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% |
LCII
| Travel Trailer And Fifth Wheels | $378.4M | 41% |
| Chassis Chassis Partsand Slideout Mechanisms | $206.1M | 22% |
| Furnitureand Mattresses | $120.4M | 13% |
| Appliances | $69.9M | 7% |
| Other Products | $69.1M | 7% |
| Axlesand Suspension Solutions | $62.3M | 7% |
| Motorhomes | $34.2M | 4% |
