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FirstCash Holdings, Inc.（FCFS）与Penguin Solutions, Inc.（PENG）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Penguin Solutions, Inc.的1.5倍（$501.3M vs $343.1M），FirstCash Holdings, Inc.净利率更高（20.8% vs 1.5%，领先19.2%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 0.6%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 11.8%）
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。
企鹅解决方案公司旗下的兰波集团以拉姆齐解决方案品牌开展业务，是一家美国企业，业务涵盖个人理财、领导力发展、人际关系管理与职业发展相关产品与服务。该公司由戴夫·拉姆齐与妻子莎伦于1991年创立，总部位于田纳西州富兰克林。
FCFS vs PENG — 直观对比
营收规模更大
FCFS
是对方的1.5倍
$343.1M
营收增速更快
FCFS
高出20.6%
0.6%
净利率更高
FCFS
高出19.2%
1.5%
两年增速更快
FCFS
近两年复合增速
11.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $343.1M |
| 净利润 | $104.2M | $5.3M |
| 毛利率 | — | 28.0% |
| 营业利润率 | 28.5% | 5.7% |
| 净利率 | 20.8% | 1.5% |
| 营收同比 | 21.2% | 0.6% |
| 净利润同比 | 24.7% | 1.0% |
| 每股收益（稀释后） | $2.35 | $0.04 |
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FCFSPENG
| Q4 25 | $501.3M | $343.1M | ||
| Q3 25 | $411.0M | $337.9M | ||
| Q2 25 | $385.1M | $324.3M | ||
| Q1 25 | $371.1M | $365.5M | ||
| Q4 24 | $413.7M | $341.1M | ||
| Q3 24 | $363.1M | $284.8M | ||
| Q2 24 | $363.5M | $300.6M | ||
| Q1 24 | $366.8M | — |
净利润FCFSPENG
| Q4 25 | $104.2M | $5.3M | ||
| Q3 25 | $82.8M | $9.4M | ||
| Q2 25 | $59.8M | $2.7M | ||
| Q1 25 | $83.6M | $8.1M | ||
| Q4 24 | $83.5M | $5.2M | ||
| Q3 24 | $64.8M | — | ||
| Q2 24 | $49.1M | $5.6M | ||
| Q1 24 | $61.4M | — |
毛利率FCFSPENG
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 28.6% | ||
| Q2 25 | — | 29.3% | ||
| Q1 25 | — | 28.6% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 28.8% | ||
| Q2 24 | — | 29.6% | ||
| Q1 24 | — | — |
营业利润率FCFSPENG
| Q4 25 | 28.5% | 5.7% | ||
| Q3 25 | 27.4% | 3.7% | ||
| Q2 25 | 21.1% | 3.0% | ||
| Q1 25 | 30.0% | 5.1% | ||
| Q4 24 | 26.5% | 5.1% | ||
| Q3 24 | 23.5% | -1.2% | ||
| Q2 24 | 18.2% | 3.8% | ||
| Q1 24 | 22.3% | — |
净利率FCFSPENG
| Q4 25 | 20.8% | 1.5% | ||
| Q3 25 | 20.1% | 2.8% | ||
| Q2 25 | 15.5% | 0.8% | ||
| Q1 25 | 22.5% | 2.2% | ||
| Q4 24 | 20.2% | 1.5% | ||
| Q3 24 | 17.9% | — | ||
| Q2 24 | 13.5% | 1.9% | ||
| Q1 24 | 16.7% | — |
每股收益（稀释后）FCFSPENG
| Q4 25 | $2.35 | $0.04 | ||
| Q3 25 | $1.86 | $0.10 | ||
| Q2 25 | $1.34 | $-0.01 | ||
| Q1 25 | $1.87 | $0.09 | ||
| Q4 24 | $1.86 | $0.10 | ||
| Q3 24 | $1.44 | — | ||
| Q2 24 | $1.08 | $0.10 | ||
| Q1 24 | $1.35 | — |
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 | $461.5M |
| 总债务越低越好 | $2.2B | $462.3M |
| 股东权益账面价值 | $2.3B | $389.7M |
| 总资产 | $5.3B | $1.6B |
| 负债/权益比越低杠杆越低 | 0.98× | 1.19× |
8季度趋势，按日历期对齐
现金及短期投资FCFSPENG
| Q4 25 | $125.2M | $461.5M | ||
| Q3 25 | $130.2M | $453.8M | ||
| Q2 25 | $101.5M | $735.5M | ||
| Q1 25 | $146.0M | $647.0M | ||
| Q4 24 | $175.1M | $393.7M | ||
| Q3 24 | $106.3M | $389.5M | ||
| Q2 24 | $113.7M | $467.5M | ||
| Q1 24 | $135.1M | — |
总债务FCFSPENG
| Q4 25 | $2.2B | $462.3M | ||
| Q3 25 | $2.2B | $461.8M | ||
| Q2 25 | $1.7B | $659.5M | ||
| Q1 25 | $1.7B | $658.8M | ||
| Q4 24 | $1.7B | $658.1M | ||
| Q3 24 | $1.7B | $657.3M | ||
| Q2 24 | $1.7B | $667.0M | ||
| Q1 24 | $1.5B | — |
股东权益FCFSPENG
| Q4 25 | $2.3B | $389.7M | ||
| Q3 25 | $2.2B | $394.2M | ||
| Q2 25 | $2.1B | $584.8M | ||
| Q1 25 | $2.1B | $602.5M | ||
| Q4 24 | $2.1B | $400.4M | ||
| Q3 24 | $2.0B | $391.4M | ||
| Q2 24 | $2.0B | $423.4M | ||
| Q1 24 | $2.0B | — |
总资产FCFSPENG
| Q4 25 | $5.3B | $1.6B | ||
| Q3 25 | $5.2B | $1.6B | ||
| Q2 25 | $4.5B | $1.8B | ||
| Q1 25 | $4.4B | $1.8B | ||
| Q4 24 | $4.5B | $1.6B | ||
| Q3 24 | $4.4B | $1.5B | ||
| Q2 24 | $4.3B | $1.5B | ||
| Q1 24 | $4.2B | — |
负债/权益比FCFSPENG
| Q4 25 | 0.98× | 1.19× | ||
| Q3 25 | 1.01× | 1.17× | ||
| Q2 25 | 0.79× | 1.13× | ||
| Q1 25 | 0.83× | 1.09× | ||
| Q4 24 | 0.85× | 1.64× | ||
| Q3 24 | 0.87× | 1.68× | ||
| Q2 24 | 0.85× | 1.58× | ||
| 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 | $31.1M |
| 自由现金流经营现金流 - 资本支出 | — | $28.2M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 资本支出强度资本支出/营收 | — | 0.8% |
| 现金转化率经营现金流/净利润 | 1.98× | 5.89× |
| 过去12个月自由现金流最近4个季度 | — | $116.3M |
8季度趋势，按日历期对齐
经营现金流FCFSPENG
| Q4 25 | $206.6M | $31.1M | ||
| Q3 25 | $135.8M | $-70.4M | ||
| Q2 25 | $116.9M | $92.8M | ||
| Q1 25 | $126.6M | $72.9M | ||
| Q4 24 | $198.1M | $13.8M | ||
| Q3 24 | $113.1M | — | ||
| Q2 24 | $106.2M | $57.9M | ||
| Q1 24 | $122.5M | — |
自由现金流FCFSPENG
| Q4 25 | — | $28.2M | ||
| Q3 25 | — | $-73.4M | ||
| Q2 25 | — | $90.9M | ||
| Q1 25 | — | $70.5M | ||
| Q4 24 | — | $12.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $48.9M | ||
| Q1 24 | — | — |
自由现金流率FCFSPENG
| Q4 25 | — | 8.2% | ||
| Q3 25 | — | -21.7% | ||
| Q2 25 | — | 28.0% | ||
| Q1 25 | — | 19.3% | ||
| Q4 24 | — | 3.5% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 16.3% | ||
| Q1 24 | — | — |
资本支出强度FCFSPENG
| Q4 25 | — | 0.8% | ||
| Q3 25 | — | 0.9% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 3.0% | ||
| Q1 24 | — | — |
现金转化率FCFSPENG
| Q4 25 | 1.98× | 5.89× | ||
| Q3 25 | 1.64× | -7.47× | ||
| Q2 25 | 1.95× | 34.88× | ||
| Q1 25 | 1.51× | 9.02× | ||
| Q4 24 | 2.37× | 2.65× | ||
| Q3 24 | 1.74× | — | ||
| Q2 24 | 2.16× | 10.30× | ||
| 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% |
PENG
| Integrated Memory Segment | $171.6M | 50% |
| Advanced Computing Segment | $115.7M | 34% |
| Optimized LED Segment | $55.7M | 16% |
