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FirstCash Holdings, Inc.（FCFS）与PROSPERITY BANCSHARES INC（PB）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PROSPERITY BANCSHARES INC的1.4倍（$501.3M vs $367.6M），PROSPERITY BANCSHARES INC净利率更高（31.6% vs 20.8%，领先10.8%），过去两年PROSPERITY BANCSHARES INC的营收复合增速更高（19.2% 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。
Prosperity Bancshares Inc.是总部位于美国得克萨斯州休斯顿的银行控股公司，业务覆盖得克萨斯州及俄克拉荷马州中部。截至2019年12月31日，公司共运营285家分支机构，广泛分布在休斯顿、达拉斯-沃斯堡都会区及得州南部、东部、中部、西部等区域。
FCFS vs PB — 直观对比
营收规模更大
FCFS
是对方的1.4倍
$367.6M
净利率更高
PB
高出10.8%
20.8%
两年增速更快
PB
近两年复合增速
16.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $367.6M |
| 净利润 | $104.2M | $116.3M |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | — |
| 净利率 | 20.8% | 31.6% |
| 营收同比 | 21.2% | — |
| 净利润同比 | 24.7% | -10.7% |
| 每股收益（稀释后） | $2.35 | $1.16 |
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FCFSPB
| Q1 26 | — | $367.6M | ||
| Q4 25 | $501.3M | $275.0M | ||
| Q3 25 | $411.0M | $273.4M | ||
| Q2 25 | $385.1M | $267.7M | ||
| Q1 25 | $371.1M | $265.4M | ||
| Q4 24 | $413.7M | $267.8M | ||
| Q3 24 | $363.1M | $261.7M | ||
| Q2 24 | $363.5M | $258.8M |
净利润FCFSPB
| Q1 26 | — | $116.3M | ||
| Q4 25 | $104.2M | $139.9M | ||
| Q3 25 | $82.8M | $137.6M | ||
| Q2 25 | $59.8M | $135.2M | ||
| Q1 25 | $83.6M | $130.2M | ||
| Q4 24 | $83.5M | $130.1M | ||
| Q3 24 | $64.8M | $127.3M | ||
| Q2 24 | $49.1M | $111.6M |
营业利润率FCFSPB
| Q1 26 | — | — | ||
| Q4 25 | 28.5% | 65.1% | ||
| Q3 25 | 27.4% | 64.4% | ||
| Q2 25 | 21.1% | 64.3% | ||
| Q1 25 | 30.0% | 62.7% | ||
| Q4 24 | 26.5% | 62.0% | ||
| Q3 24 | 23.5% | 62.1% | ||
| Q2 24 | 18.2% | 55.2% |
净利率FCFSPB
| Q1 26 | — | 31.6% | ||
| Q4 25 | 20.8% | 50.9% | ||
| Q3 25 | 20.1% | 50.3% | ||
| Q2 25 | 15.5% | 50.5% | ||
| Q1 25 | 22.5% | 49.1% | ||
| Q4 24 | 20.2% | 48.6% | ||
| Q3 24 | 17.9% | 48.6% | ||
| Q2 24 | 13.5% | 43.1% |
每股收益（稀释后）FCFSPB
| Q1 26 | — | $1.16 | ||
| Q4 25 | $2.35 | $1.48 | ||
| Q3 25 | $1.86 | $1.45 | ||
| Q2 25 | $1.34 | $1.42 | ||
| Q1 25 | $1.87 | $1.37 | ||
| Q4 24 | $1.86 | $1.36 | ||
| Q3 24 | $1.44 | $1.34 | ||
| Q2 24 | $1.08 | $1.17 |
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 | $8.2B |
| 总资产 | $5.3B | $43.6B |
| 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FCFSPB
| 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FCFSPB
| Q1 26 | — | — | ||
| 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 | — |
股东权益FCFSPB
| Q1 26 | — | $8.2B | ||
| Q4 25 | $2.3B | $7.6B | ||
| Q3 25 | $2.2B | $7.7B | ||
| Q2 25 | $2.1B | $7.6B | ||
| Q1 25 | $2.1B | $7.5B | ||
| Q4 24 | $2.1B | $7.4B | ||
| Q3 24 | $2.0B | $7.4B | ||
| Q2 24 | $2.0B | $7.3B |
总资产FCFSPB
| Q1 26 | — | $43.6B | ||
| Q4 25 | $5.3B | $38.5B | ||
| Q3 25 | $5.2B | $38.3B | ||
| Q2 25 | $4.5B | $38.4B | ||
| Q1 25 | $4.4B | $38.8B | ||
| Q4 24 | $4.5B | $39.6B | ||
| Q3 24 | $4.4B | $40.1B | ||
| Q2 24 | $4.3B | $39.8B |
负债/权益比FCFSPB
| Q1 26 | — | — | ||
| 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× | — |
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FCFSPB
| Q1 26 | — | — | ||
| Q4 25 | $206.6M | $78.3M | ||
| Q3 25 | $135.8M | $194.8M | ||
| Q2 25 | $116.9M | $98.2M | ||
| Q1 25 | $126.6M | $178.2M | ||
| Q4 24 | $198.1M | $-205.8M | ||
| Q3 24 | $113.1M | $274.6M | ||
| Q2 24 | $106.2M | $216.5M |
自由现金流FCFSPB
| Q1 26 | — | — | ||
| Q4 25 | — | $68.5M | ||
| Q3 25 | — | $185.7M | ||
| Q2 25 | — | $91.8M | ||
| Q1 25 | — | $171.1M | ||
| Q4 24 | — | $-210.7M | ||
| Q3 24 | — | $270.2M | ||
| Q2 24 | — | $211.8M |
自由现金流率FCFSPB
| Q1 26 | — | — | ||
| Q4 25 | — | 24.9% | ||
| Q3 25 | — | 67.9% | ||
| Q2 25 | — | 34.3% | ||
| Q1 25 | — | 64.5% | ||
| Q4 24 | — | -78.7% | ||
| Q3 24 | — | 103.3% | ||
| Q2 24 | — | 81.8% |
资本支出强度FCFSPB
| Q1 26 | — | — | ||
| Q4 25 | — | 3.6% | ||
| Q3 25 | — | 3.3% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | — | 2.7% | ||
| Q4 24 | — | 1.8% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 1.8% |
现金转化率FCFSPB
| Q1 26 | — | — | ||
| Q4 25 | 1.98× | 0.56× | ||
| Q3 25 | 1.64× | 1.42× | ||
| Q2 25 | 1.95× | 0.73× | ||
| Q1 25 | 1.51× | 1.37× | ||
| Q4 24 | 2.37× | -1.58× | ||
| Q3 24 | 1.74× | 2.16× | ||
| Q2 24 | 2.16× | 1.94× |
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% |
PB
| Net Interest Income | $321.1M | 87% |
| Noninterest Income | $46.5M | 13% |
