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FirstCash Holdings, Inc.（FCFS）与PROGRESS SOFTWARE CORP（PRGS）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PROGRESS SOFTWARE CORP的2.0倍（$501.3M vs $252.7M），FirstCash Holdings, Inc.净利率更高（20.8% vs 10.2%，领先10.6%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 17.5%），过去两年PROGRESS SOFTWARE CORP的营收复合增速更高（17.0% 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。
Progress Software是全球领先的企业级软件服务商，主营应用开发平台、数据连接工具、数字体验解决方案等产品，服务覆盖金融、医疗、制造、零售等多行业的全球企业客户，助力客户搭建高性能可扩展的业务应用，提升运营效率。
FCFS vs PRGS — 直观对比
营收规模更大
FCFS
是对方的2.0倍
$252.7M
营收增速更快
FCFS
高出3.6%
17.5%
净利率更高
FCFS
高出10.6%
10.2%
两年增速更快
PRGS
近两年复合增速
16.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $252.7M |
| 净利润 | $104.2M | $25.7M |
| 毛利率 | — | 81.6% |
| 营业利润率 | 28.5% | 15.2% |
| 净利率 | 20.8% | 10.2% |
| 营收同比 | 21.2% | 17.5% |
| 净利润同比 | 24.7% | 2144.6% |
| 每股收益（稀释后） | $2.35 | $0.59 |
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FCFSPRGS
| Q4 25 | $501.3M | $252.7M | ||
| Q3 25 | $411.0M | $249.8M | ||
| Q2 25 | $385.1M | $237.4M | ||
| Q1 25 | $371.1M | $238.0M | ||
| Q4 24 | $413.7M | $215.0M | ||
| Q3 24 | $363.1M | $178.7M | ||
| Q2 24 | $363.5M | $175.1M | ||
| Q1 24 | $366.8M | $184.7M |
净利润FCFSPRGS
| Q4 25 | $104.2M | $25.7M | ||
| Q3 25 | $82.8M | $19.4M | ||
| Q2 25 | $59.8M | $17.0M | ||
| Q1 25 | $83.6M | $10.9M | ||
| Q4 24 | $83.5M | $1.1M | ||
| Q3 24 | $64.8M | $28.5M | ||
| Q2 24 | $49.1M | $16.2M | ||
| Q1 24 | $61.4M | $22.6M |
毛利率FCFSPRGS
| Q4 25 | — | 81.6% | ||
| Q3 25 | — | 81.0% | ||
| Q2 25 | — | 80.1% | ||
| Q1 25 | — | 80.6% | ||
| Q4 24 | — | 83.0% | ||
| Q3 24 | — | 83.7% | ||
| Q2 24 | — | 81.7% | ||
| Q1 24 | — | 82.2% |
营业利润率FCFSPRGS
| Q4 25 | 28.5% | 15.2% | ||
| Q3 25 | 27.4% | 17.6% | ||
| Q2 25 | 21.1% | 16.3% | ||
| Q1 25 | 30.0% | 13.6% | ||
| Q4 24 | 26.5% | 10.0% | ||
| Q3 24 | 23.5% | 22.6% | ||
| Q2 24 | 18.2% | 15.5% | ||
| Q1 24 | 22.3% | 19.0% |
净利率FCFSPRGS
| Q4 25 | 20.8% | 10.2% | ||
| Q3 25 | 20.1% | 7.8% | ||
| Q2 25 | 15.5% | 7.2% | ||
| Q1 25 | 22.5% | 4.6% | ||
| Q4 24 | 20.2% | 0.5% | ||
| Q3 24 | 17.9% | 15.9% | ||
| Q2 24 | 13.5% | 9.2% | ||
| Q1 24 | 16.7% | 12.3% |
每股收益（稀释后）FCFSPRGS
| Q4 25 | $2.35 | $0.59 | ||
| Q3 25 | $1.86 | $0.44 | ||
| Q2 25 | $1.34 | $0.39 | ||
| Q1 25 | $1.87 | $0.24 | ||
| Q4 24 | $1.86 | $0.01 | ||
| Q3 24 | $1.44 | $0.65 | ||
| Q2 24 | $1.08 | $0.37 | ||
| Q1 24 | $1.35 | $0.51 |
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 | $94.8M |
| 总债务越低越好 | $2.2B | $1.4B |
| 股东权益账面价值 | $2.3B | $478.3M |
| 总资产 | $5.3B | $2.5B |
| 负债/权益比越低杠杆越低 | 0.98× | 2.93× |
8季度趋势，按日历期对齐
现金及短期投资FCFSPRGS
| Q4 25 | $125.2M | $94.8M | ||
| Q3 25 | $130.2M | $99.0M | ||
| Q2 25 | $101.5M | $102.0M | ||
| Q1 25 | $146.0M | $124.2M | ||
| Q4 24 | $175.1M | $118.1M | ||
| Q3 24 | $106.3M | $232.7M | ||
| Q2 24 | $113.7M | $190.4M | ||
| Q1 24 | $135.1M | $133.2M |
总债务FCFSPRGS
| Q4 25 | $2.2B | $1.4B | ||
| Q3 25 | $2.2B | $1.4B | ||
| Q2 25 | $1.7B | $1.5B | ||
| Q1 25 | $1.7B | $1.5B | ||
| Q4 24 | $1.7B | $1.5B | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.5B | — |
股东权益FCFSPRGS
| Q4 25 | $2.3B | $478.3M | ||
| Q3 25 | $2.2B | $477.7M | ||
| Q2 25 | $2.1B | $452.7M | ||
| Q1 25 | $2.1B | $431.8M | ||
| Q4 24 | $2.1B | $438.8M | ||
| Q3 24 | $2.0B | $425.6M | ||
| Q2 24 | $2.0B | $401.7M | ||
| Q1 24 | $2.0B | $461.7M |
总资产FCFSPRGS
| Q4 25 | $5.3B | $2.5B | ||
| Q3 25 | $5.2B | $2.4B | ||
| Q2 25 | $4.5B | $2.4B | ||
| Q1 25 | $4.4B | $2.5B | ||
| Q4 24 | $4.5B | $2.5B | ||
| Q3 24 | $4.4B | $1.6B | ||
| Q2 24 | $4.3B | $1.6B | ||
| Q1 24 | $4.2B | $1.5B |
负债/权益比FCFSPRGS
| Q4 25 | 0.98× | 2.93× | ||
| Q3 25 | 1.01× | 2.97× | ||
| Q2 25 | 0.79× | 3.22× | ||
| Q1 25 | 0.83× | 3.50× | ||
| Q4 24 | 0.85× | 3.48× | ||
| Q3 24 | 0.87× | — | ||
| Q2 24 | 0.85× | — | ||
| 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 | $62.8M |
| 自由现金流经营现金流 - 资本支出 | — | $59.9M |
| 自由现金流率自由现金流/营收 | — | 23.7% |
| 资本支出强度资本支出/营收 | — | 1.1% |
| 现金转化率经营现金流/净利润 | 1.98× | 2.44× |
| 过去12个月自由现金流最近4个季度 | — | $229.5M |
8季度趋势，按日历期对齐
经营现金流FCFSPRGS
| Q4 25 | $206.6M | $62.8M | ||
| Q3 25 | $135.8M | $73.4M | ||
| Q2 25 | $116.9M | $30.0M | ||
| Q1 25 | $126.6M | $68.9M | ||
| Q4 24 | $198.1M | $19.7M | ||
| Q3 24 | $113.1M | $57.7M | ||
| Q2 24 | $106.2M | $63.7M | ||
| Q1 24 | $122.5M | $70.5M |
自由现金流FCFSPRGS
| Q4 25 | — | $59.9M | ||
| Q3 25 | — | $72.4M | ||
| Q2 25 | — | $29.5M | ||
| Q1 25 | — | $67.7M | ||
| Q4 24 | — | $16.8M | ||
| Q3 24 | — | $56.6M | ||
| Q2 24 | — | $62.7M | ||
| Q1 24 | — | $70.2M |
自由现金流率FCFSPRGS
| Q4 25 | — | 23.7% | ||
| Q3 25 | — | 29.0% | ||
| Q2 25 | — | 12.4% | ||
| Q1 25 | — | 28.4% | ||
| Q4 24 | — | 7.8% | ||
| Q3 24 | — | 31.7% | ||
| Q2 24 | — | 35.8% | ||
| Q1 24 | — | 38.0% |
资本支出强度FCFSPRGS
| Q4 25 | — | 1.1% | ||
| Q3 25 | — | 0.4% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.5% | ||
| Q4 24 | — | 1.3% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.2% |
现金转化率FCFSPRGS
| Q4 25 | 1.98× | 2.44× | ||
| Q3 25 | 1.64× | 3.78× | ||
| Q2 25 | 1.95× | 1.76× | ||
| Q1 25 | 1.51× | 6.30× | ||
| Q4 24 | 2.37× | 17.13× | ||
| Q3 24 | 1.74× | 2.03× | ||
| Q2 24 | 2.16× | 3.93× | ||
| Q1 24 | 2.00× | 3.11× |
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% |
PRGS
| Maintenanceand Services | $187.5M | 74% |
| Share File Acquisition | $67.5M | 27% |
