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FirstCash Holdings, Inc.（FCFS）与PROG Holdings, Inc.（PRG）财务数据对比。点击上方公司名可切换其他公司
PROG Holdings, Inc.的季度营收约是FirstCash Holdings, Inc.的1.3倍（$651.6M vs $501.3M），FirstCash Holdings, Inc.净利率更高（20.8% vs 5.5%，领先15.2%），PROG Holdings, Inc.同比增速更快（457.1% vs 21.2%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 4.9%）
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。
PROG Holdings是一家总部位于美国的金融科技企业，主要面向美国本土市场提供灵活的租购及销售点融资解决方案，核心业务涵盖零售合作伙伴融资、消费信贷与支付服务，帮助消费者无需满足传统信用要求即可购买电子产品、家居用品等商品。
FCFS vs PRG — 直观对比
营收规模更大
PRG
是对方的1.3倍
$501.3M
营收增速更快
PRG
高出435.9%
21.2%
净利率更高
FCFS
高出15.2%
5.5%
两年增速更快
FCFS
近两年复合增速
4.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $651.6M |
| 净利润 | $104.2M | $36.1M |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | 10.0% |
| 净利率 | 20.8% | 5.5% |
| 营收同比 | 21.2% | 457.1% |
| 净利润同比 | 24.7% | 3.8% |
| 每股收益（稀释后） | $2.35 | $3.68 |
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FCFSPRG
| Q1 26 | — | $651.6M | ||
| Q4 25 | $501.3M | $525.4M | ||
| Q3 25 | $411.0M | $595.1M | ||
| Q2 25 | $385.1M | $604.7M | ||
| Q1 25 | $371.1M | $684.1M | ||
| Q4 24 | $413.7M | $558.9M | ||
| Q3 24 | $363.1M | $606.1M | ||
| Q2 24 | $363.5M | $592.2M |
净利润FCFSPRG
| Q1 26 | — | $36.1M | ||
| Q4 25 | $104.2M | $40.5M | ||
| Q3 25 | $82.8M | $33.1M | ||
| Q2 25 | $59.8M | $38.5M | ||
| Q1 25 | $83.6M | $34.7M | ||
| Q4 24 | $83.5M | $57.5M | ||
| Q3 24 | $64.8M | $84.0M | ||
| Q2 24 | $49.1M | $33.8M |
营业利润率FCFSPRG
| Q1 26 | — | 10.0% | ||
| Q4 25 | 28.5% | 6.9% | ||
| Q3 25 | 27.4% | 9.0% | ||
| Q2 25 | 21.1% | 10.0% | ||
| Q1 25 | 30.0% | 8.2% | ||
| Q4 24 | 26.5% | 8.9% | ||
| Q3 24 | 23.5% | 8.1% | ||
| Q2 24 | 18.2% | 9.4% |
净利率FCFSPRG
| Q1 26 | — | 5.5% | ||
| Q4 25 | 20.8% | 7.7% | ||
| Q3 25 | 20.1% | 5.6% | ||
| Q2 25 | 15.5% | 6.4% | ||
| Q1 25 | 22.5% | 5.1% | ||
| Q4 24 | 20.2% | 10.3% | ||
| Q3 24 | 17.9% | 13.9% | ||
| Q2 24 | 13.5% | 5.7% |
每股收益（稀释后）FCFSPRG
| Q1 26 | — | $3.68 | ||
| Q4 25 | $2.35 | $0.99 | ||
| Q3 25 | $1.86 | $0.82 | ||
| Q2 25 | $1.34 | $0.95 | ||
| Q1 25 | $1.87 | $0.83 | ||
| Q4 24 | $1.86 | $1.33 | ||
| Q3 24 | $1.44 | $1.94 | ||
| Q2 24 | $1.08 | $0.77 |
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 | $69.4M |
| 总债务越低越好 | $2.2B | — |
| 股东权益账面价值 | $2.3B | $774.4M |
| 总资产 | $5.3B | $2.0B |
| 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FCFSPRG
| Q1 26 | — | $69.4M | ||
| Q4 25 | $125.2M | $308.8M | ||
| Q3 25 | $130.2M | $292.6M | ||
| Q2 25 | $101.5M | $222.0M | ||
| Q1 25 | $146.0M | $213.3M | ||
| Q4 24 | $175.1M | $90.9M | ||
| Q3 24 | $106.3M | $221.7M | ||
| Q2 24 | $113.7M | $250.1M |
总债务FCFSPRG
| Q1 26 | — | — | ||
| Q4 25 | $2.2B | $594.9M | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | $643.6M | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | — |
股东权益FCFSPRG
| Q1 26 | — | $774.4M | ||
| Q4 25 | $2.3B | $746.4M | ||
| Q3 25 | $2.2B | $703.6M | ||
| Q2 25 | $2.1B | $668.7M | ||
| Q1 25 | $2.1B | $654.4M | ||
| Q4 24 | $2.1B | $650.3M | ||
| Q3 24 | $2.0B | $630.8M | ||
| Q2 24 | $2.0B | $581.9M |
总资产FCFSPRG
| Q1 26 | — | $2.0B | ||
| Q4 25 | $5.3B | $1.6B | ||
| Q3 25 | $5.2B | $1.5B | ||
| Q2 25 | $4.5B | $1.5B | ||
| Q1 25 | $4.4B | $1.5B | ||
| Q4 24 | $4.5B | $1.5B | ||
| Q3 24 | $4.4B | $1.4B | ||
| Q2 24 | $4.3B | $1.5B |
负债/权益比FCFSPRG
| Q1 26 | — | — | ||
| Q4 25 | 0.98× | 0.80× | ||
| Q3 25 | 1.01× | — | ||
| Q2 25 | 0.79× | — | ||
| Q1 25 | 0.83× | — | ||
| Q4 24 | 0.85× | 0.99× | ||
| 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FCFSPRG
| Q1 26 | — | — | ||
| Q4 25 | $206.6M | $-54.9M | ||
| Q3 25 | $135.8M | $110.0M | ||
| Q2 25 | $116.9M | $69.9M | ||
| Q1 25 | $126.6M | $209.9M | ||
| Q4 24 | $198.1M | $-84.5M | ||
| Q3 24 | $113.1M | $31.9M | ||
| Q2 24 | $106.2M | $55.4M |
自由现金流FCFSPRG
| Q1 26 | — | — | ||
| Q4 25 | — | $-57.5M | ||
| Q3 25 | — | $106.5M | ||
| Q2 25 | — | $68.0M | ||
| Q1 25 | — | $208.0M | ||
| Q4 24 | — | $-86.8M | ||
| Q3 24 | — | $29.8M | ||
| Q2 24 | — | $53.5M |
自由现金流率FCFSPRG
| Q1 26 | — | — | ||
| Q4 25 | — | -10.9% | ||
| Q3 25 | — | 17.9% | ||
| Q2 25 | — | 11.2% | ||
| Q1 25 | — | 30.4% | ||
| Q4 24 | — | -15.5% | ||
| Q3 24 | — | 4.9% | ||
| Q2 24 | — | 9.0% |
资本支出强度FCFSPRG
| Q1 26 | — | — | ||
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 0.6% | ||
| Q2 25 | — | 0.3% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 0.4% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.3% |
现金转化率FCFSPRG
| Q1 26 | — | — | ||
| Q4 25 | 1.98× | -1.36× | ||
| Q3 25 | 1.64× | 3.32× | ||
| Q2 25 | 1.95× | 1.82× | ||
| Q1 25 | 1.51× | 6.05× | ||
| Q4 24 | 2.37× | -1.47× | ||
| Q3 24 | 1.74× | 0.38× | ||
| Q2 24 | 2.16× | 1.64× |
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% |
PRG
暂无分部数据
