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FirstCash Holdings, Inc.（FCFS）与信安金融集团（PFG）财务数据对比。点击上方公司名可切换其他公司
信安金融集团的季度营收约是FirstCash Holdings, Inc.的9.1倍（$4.6B vs $501.3M），FirstCash Holdings, Inc.净利率更高（20.8% vs 11.3%，领先9.5%），FirstCash Holdings, Inc.同比增速更快（21.2% vs -3.7%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 6.3%）
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。
信安金融集团（股票代码：PFG）是总部位于美国艾奥瓦州得梅因的全球性金融服务企业，核心业务涵盖投资管理、保险服务两大板块，在全球多个区域开展业务，为机构客户和个人用户提供专业定制化的金融解决方案，在行业内拥有较高知名度。
FCFS vs PFG — 直观对比
营收规模更大
PFG
是对方的9.1倍
$501.3M
营收增速更快
FCFS
高出24.9%
-3.7%
净利率更高
FCFS
高出9.5%
11.3%
两年增速更快
FCFS
近两年复合增速
6.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $4.6B |
| 净利润 | $104.2M | $517.0M |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | — |
| 净利率 | 20.8% | 11.3% |
| 营收同比 | 21.2% | -3.7% |
| 净利润同比 | 24.7% | -42.9% |
| 每股收益（稀释后） | $2.35 | $2.30 |
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FCFSPFG
| Q4 25 | $501.3M | $4.6B | ||
| Q3 25 | $411.0M | $3.7B | ||
| Q2 25 | $385.1M | $3.7B | ||
| Q1 25 | $371.1M | $3.7B | ||
| Q4 24 | $413.7M | $4.8B | ||
| Q3 24 | $363.1M | $3.0B | ||
| Q2 24 | $363.5M | $4.3B | ||
| Q1 24 | $366.8M | $4.1B |
净利润FCFSPFG
| Q4 25 | $104.2M | $517.0M | ||
| Q3 25 | $82.8M | $213.8M | ||
| Q2 25 | $59.8M | $406.2M | ||
| Q1 25 | $83.6M | $48.1M | ||
| Q4 24 | $83.5M | $905.4M | ||
| Q3 24 | $64.8M | $-220.0M | ||
| Q2 24 | $49.1M | $353.1M | ||
| Q1 24 | $61.4M | $532.5M |
营业利润率FCFSPFG
| Q4 25 | 28.5% | — | ||
| Q3 25 | 27.4% | — | ||
| Q2 25 | 21.1% | — | ||
| Q1 25 | 30.0% | — | ||
| Q4 24 | 26.5% | — | ||
| Q3 24 | 23.5% | — | ||
| Q2 24 | 18.2% | — | ||
| Q1 24 | 22.3% | — |
净利率FCFSPFG
| Q4 25 | 20.8% | 11.3% | ||
| Q3 25 | 20.1% | 5.8% | ||
| Q2 25 | 15.5% | 11.1% | ||
| Q1 25 | 22.5% | 1.3% | ||
| Q4 24 | 20.2% | 19.1% | ||
| Q3 24 | 17.9% | -7.3% | ||
| Q2 24 | 13.5% | 8.2% | ||
| Q1 24 | 16.7% | 13.1% |
每股收益（稀释后）FCFSPFG
| Q4 25 | $2.35 | $2.30 | ||
| Q3 25 | $1.86 | $0.95 | ||
| Q2 25 | $1.34 | $1.79 | ||
| Q1 25 | $1.87 | $0.21 | ||
| Q4 24 | $1.86 | $3.92 | ||
| Q3 24 | $1.44 | $-0.95 | ||
| Q2 24 | $1.08 | $1.49 | ||
| Q1 24 | $1.35 | $2.22 |
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 | $4.4B |
| 总债务越低越好 | $2.2B | $3.9B |
| 股东权益账面价值 | $2.3B | $11.9B |
| 总资产 | $5.3B | $341.4B |
| 负债/权益比越低杠杆越低 | 0.98× | 0.33× |
8季度趋势，按日历期对齐
现金及短期投资FCFSPFG
| Q4 25 | $125.2M | $4.4B | ||
| Q3 25 | $130.2M | $5.1B | ||
| Q2 25 | $101.5M | $3.7B | ||
| Q1 25 | $146.0M | $3.9B | ||
| Q4 24 | $175.1M | $4.2B | ||
| Q3 24 | $106.3M | $6.2B | ||
| Q2 24 | $113.7M | $4.8B | ||
| Q1 24 | $135.1M | $4.2B |
总债务FCFSPFG
| Q4 25 | $2.2B | $3.9B | ||
| Q3 25 | $2.2B | $3.9B | ||
| Q2 25 | $1.7B | $3.9B | ||
| Q1 25 | $1.7B | $4.3B | ||
| Q4 24 | $1.7B | $4.0B | ||
| Q3 24 | $1.7B | $3.9B | ||
| Q2 24 | $1.7B | $3.9B | ||
| Q1 24 | $1.5B | $3.9B |
股东权益FCFSPFG
| Q4 25 | $2.3B | $11.9B | ||
| Q3 25 | $2.2B | $11.7B | ||
| Q2 25 | $2.1B | $11.4B | ||
| Q1 25 | $2.1B | $11.2B | ||
| Q4 24 | $2.1B | $11.1B | ||
| Q3 24 | $2.0B | $11.2B | ||
| Q2 24 | $2.0B | $11.0B | ||
| Q1 24 | $2.0B | $11.2B |
总资产FCFSPFG
| Q4 25 | $5.3B | $341.4B | ||
| Q3 25 | $5.2B | $334.5B | ||
| Q2 25 | $4.5B | $323.1B | ||
| Q1 25 | $4.4B | $313.0B | ||
| Q4 24 | $4.5B | $313.7B | ||
| Q3 24 | $4.4B | $322.9B | ||
| Q2 24 | $4.3B | $308.8B | ||
| Q1 24 | $4.2B | $308.7B |
负债/权益比FCFSPFG
| Q4 25 | 0.98× | 0.33× | ||
| Q3 25 | 1.01× | 0.34× | ||
| Q2 25 | 0.79× | 0.34× | ||
| Q1 25 | 0.83× | 0.39× | ||
| Q4 24 | 0.85× | 0.36× | ||
| Q3 24 | 0.87× | 0.35× | ||
| Q2 24 | 0.85× | 0.36× | ||
| Q1 24 | 0.75× | 0.35× |
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 | $1.7B |
| 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× | 3.37× |
| 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FCFSPFG
| Q4 25 | $206.6M | $1.7B | ||
| Q3 25 | $135.8M | $1.0B | ||
| Q2 25 | $116.9M | $811.9M | ||
| Q1 25 | $126.6M | $977.3M | ||
| Q4 24 | $198.1M | $1.5B | ||
| Q3 24 | $113.1M | $1.1B | ||
| Q2 24 | $106.2M | $1.4B | ||
| Q1 24 | $122.5M | $584.2M |
现金转化率FCFSPFG
| Q4 25 | 1.98× | 3.37× | ||
| Q3 25 | 1.64× | 4.70× | ||
| Q2 25 | 1.95× | 2.00× | ||
| Q1 25 | 1.51× | 20.32× | ||
| Q4 24 | 2.37× | 1.61× | ||
| Q3 24 | 1.74× | — | ||
| Q2 24 | 2.16× | 4.05× | ||
| Q1 24 | 2.00× | 1.10× |
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% |
PFG
| Segment Retirement And Income Solutions | $1.6B | 36% |
| Segment Benefits And Protection | $1.1B | 23% |
| Other | $582.8M | 13% |
| Segment Principal Asset Management | $465.6M | 10% |
| Subsegment Investment Management | $449.4M | 10% |
| Administrative Service | $152.2M | 3% |
| Subsegment International Pension | $91.2M | 2% |
| Segment Corporate | $73.0M | 2% |
| Subsegment Life Insurance | $26.1M | 1% |
| Financial Service Other | $25.1M | 1% |
| Residential Mortgage | $7.4M | 0% |
| Subsegment Specialty Benefits | $3.7M | 0% |
| Deposit Account | $3.4M | 0% |
| Commission Income | $1.8M | 0% |
