vs
FirstCash Holdings, Inc.（FCFS）与Primerica, Inc.（PRI）财务数据对比。点击上方公司名可切换其他公司
Primerica, Inc.的季度营收约是FirstCash Holdings, Inc.的1.7倍（$853.7M vs $501.3M），Primerica, Inc.净利率更高（23.1% vs 20.8%，领先2.3%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 11.0%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 7.2%）
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。
Primerica, Inc.是一家采用多层次营销模式的金融服务机构，业务覆盖美国与加拿大市场，主要面向当地中等收入家庭提供保险、投资等多元化金融产品，满足客户的风险保障与差异化财富管理需求。
FCFS vs PRI — 直观对比
营收规模更大
PRI
是对方的1.7倍
$501.3M
营收增速更快
FCFS
高出10.1%
11.0%
净利率更高
PRI
高出2.3%
20.8%
两年增速更快
FCFS
近两年复合增速
7.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $853.7M |
| 净利润 | $104.2M | $197.0M |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | 28.9% |
| 净利率 | 20.8% | 23.1% |
| 营收同比 | 21.2% | 11.0% |
| 净利润同比 | 24.7% | 17.9% |
| 每股收益（稀释后） | $2.35 | $6.11 |
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FCFSPRI
| Q4 25 | $501.3M | $853.7M | ||
| Q3 25 | $411.0M | $839.9M | ||
| Q2 25 | $385.1M | $793.3M | ||
| Q1 25 | $371.1M | $804.8M | ||
| Q4 24 | $413.7M | $768.8M | ||
| Q3 24 | $363.1M | $774.1M | ||
| Q2 24 | $363.5M | $803.4M | ||
| Q1 24 | $366.8M | $742.8M |
净利润FCFSPRI
| Q4 25 | $104.2M | $197.0M | ||
| Q3 25 | $82.8M | $206.8M | ||
| Q2 25 | $59.8M | $178.3M | ||
| Q1 25 | $83.6M | $169.1M | ||
| Q4 24 | $83.5M | $167.1M | ||
| Q3 24 | $64.8M | $164.4M | ||
| Q2 24 | $49.1M | $1.2M | ||
| Q1 24 | $61.4M | $137.9M |
毛利率FCFSPRI
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 98.0% | ||
| Q1 24 | — | 98.2% |
营业利润率FCFSPRI
| Q4 25 | 28.5% | 28.9% | ||
| Q3 25 | 27.4% | 32.3% | ||
| Q2 25 | 21.1% | 29.6% | ||
| Q1 25 | 30.0% | 27.5% | ||
| Q4 24 | 26.5% | 64.7% | ||
| Q3 24 | 23.5% | 32.9% | ||
| Q2 24 | 18.2% | 1.0% | ||
| Q1 24 | 22.3% | 24.1% |
净利率FCFSPRI
| Q4 25 | 20.8% | 23.1% | ||
| Q3 25 | 20.1% | 24.6% | ||
| Q2 25 | 15.5% | 22.5% | ||
| Q1 25 | 22.5% | 21.0% | ||
| Q4 24 | 20.2% | 21.7% | ||
| Q3 24 | 17.9% | 21.2% | ||
| Q2 24 | 13.5% | 0.1% | ||
| Q1 24 | 16.7% | 18.6% |
每股收益（稀释后）FCFSPRI
| Q4 25 | $2.35 | $6.11 | ||
| Q3 25 | $1.86 | $6.35 | ||
| Q2 25 | $1.34 | $5.40 | ||
| Q1 25 | $1.87 | $5.05 | ||
| Q4 24 | $1.86 | $4.92 | ||
| Q3 24 | $1.44 | $4.83 | ||
| Q2 24 | $1.08 | $0.03 | ||
| Q1 24 | $1.35 | $3.93 |
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 | $756.2M |
| 总债务越低越好 | $2.2B | — |
| 股东权益账面价值 | $2.3B | $2.4B |
| 总资产 | $5.3B | $15.0B |
| 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FCFSPRI
| Q4 25 | $125.2M | $756.2M | ||
| Q3 25 | $130.2M | $644.9M | ||
| Q2 25 | $101.5M | $621.2M | ||
| Q1 25 | $146.0M | $625.1M | ||
| Q4 24 | $175.1M | $687.8M | ||
| Q3 24 | $106.3M | $550.1M | ||
| Q2 24 | $113.7M | $627.3M | ||
| Q1 24 | $135.1M | $593.4M |
总债务FCFSPRI
| 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 | — | ||
| Q1 24 | $1.5B | — |
股东权益FCFSPRI
| Q4 25 | $2.3B | $2.4B | ||
| Q3 25 | $2.2B | $2.3B | ||
| Q2 25 | $2.1B | $2.3B | ||
| Q1 25 | $2.1B | $2.3B | ||
| Q4 24 | $2.1B | $2.3B | ||
| Q3 24 | $2.0B | $1.9B | ||
| Q2 24 | $2.0B | $2.1B | ||
| Q1 24 | $2.0B | $2.2B |
总资产FCFSPRI
| Q4 25 | $5.3B | $15.0B | ||
| Q3 25 | $5.2B | $14.8B | ||
| Q2 25 | $4.5B | $14.8B | ||
| Q1 25 | $4.4B | $14.6B | ||
| Q4 24 | $4.5B | $14.6B | ||
| Q3 24 | $4.4B | $14.8B | ||
| Q2 24 | $4.3B | $14.6B | ||
| Q1 24 | $4.2B | $14.9B |
负债/权益比FCFSPRI
| 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× | — | ||
| 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 | $338.2M |
| 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× | 1.72× |
| 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FCFSPRI
| Q4 25 | $206.6M | $338.2M | ||
| Q3 25 | $135.8M | $202.9M | ||
| Q2 25 | $116.9M | $162.6M | ||
| Q1 25 | $126.6M | $197.5M | ||
| Q4 24 | $198.1M | $270.6M | ||
| Q3 24 | $113.1M | $207.3M | ||
| Q2 24 | $106.2M | $173.3M | ||
| Q1 24 | $122.5M | $210.9M |
现金转化率FCFSPRI
| Q4 25 | 1.98× | 1.72× | ||
| Q3 25 | 1.64× | 0.98× | ||
| Q2 25 | 1.95× | 0.91× | ||
| Q1 25 | 1.51× | 1.17× | ||
| Q4 24 | 2.37× | 1.62× | ||
| Q3 24 | 1.74× | 1.26× | ||
| Q2 24 | 2.16× | 147.98× | ||
| Q1 24 | 2.00× | 1.53× |
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% |
PRI
| Revenues From Sources Other Than Contracts With Customers | $445.9M | 52% |
| Investment And Savings Products Segment Revenues | $340.3M | 40% |
| Other | $56.5M | 7% |
| Segment Revenues From Contracts With Customers | $11.0M | 1% |
