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FirstCash Holdings, Inc.（FCFS）与RBC Bearings INC（RBC）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RBC Bearings INC的1.1倍（$501.3M vs $461.6M），FirstCash Holdings, Inc.净利率更高（20.8% vs 14.6%，领先6.2%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 17.0%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 5.6%）
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。
该文本实际介绍的并非RBC Bearings，而是美国多佛公司。多佛是一家工业产品综合制造商，1955年成立，总部位于伊利诺伊州当纳斯格罗夫。2021年其业务分为五大板块：工程产品、清洁能源与加注、成像与识别、泵与工艺解决方案、气候与可持续技术，是标普500成分股，在纽约证券交易所上市。
FCFS vs RBC — 直观对比
营收规模更大
FCFS
是对方的1.1倍
$461.6M
营收增速更快
FCFS
高出4.1%
17.0%
净利率更高
FCFS
高出6.2%
14.6%
两年增速更快
FCFS
近两年复合增速
5.6%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $461.6M |
| 净利润 | $104.2M | $67.4M |
| 毛利率 | — | 44.3% |
| 营业利润率 | 28.5% | 22.3% |
| 净利率 | 20.8% | 14.6% |
| 营收同比 | 21.2% | 17.0% |
| 净利润同比 | 24.7% | 16.4% |
| 每股收益（稀释后） | $2.35 | $2.13 |
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FCFSRBC
| Q4 25 | $501.3M | $461.6M | ||
| Q3 25 | $411.0M | $455.3M | ||
| Q2 25 | $385.1M | $436.0M | ||
| Q1 25 | $371.1M | $437.7M | ||
| Q4 24 | $413.7M | $394.4M | ||
| Q3 24 | $363.1M | $397.9M | ||
| Q2 24 | $363.5M | $406.3M | ||
| Q1 24 | $366.8M | $413.7M |
净利润FCFSRBC
| Q4 25 | $104.2M | $67.4M | ||
| Q3 25 | $82.8M | $60.0M | ||
| Q2 25 | $59.8M | $68.5M | ||
| Q1 25 | $83.6M | $72.7M | ||
| Q4 24 | $83.5M | $57.9M | ||
| Q3 24 | $64.8M | $54.2M | ||
| Q2 24 | $49.1M | $61.4M | ||
| Q1 24 | $61.4M | — |
毛利率FCFSRBC
| Q4 25 | — | 44.3% | ||
| Q3 25 | — | 44.1% | ||
| Q2 25 | — | 44.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 44.3% | ||
| Q3 24 | — | 43.7% | ||
| Q2 24 | — | 45.3% | ||
| Q1 24 | — | 43.1% |
营业利润率FCFSRBC
| Q4 25 | 28.5% | 22.3% | ||
| Q3 25 | 27.4% | 21.5% | ||
| Q2 25 | 21.1% | 23.2% | ||
| Q1 25 | 30.0% | 23.0% | ||
| Q4 24 | 26.5% | 21.7% | ||
| Q3 24 | 23.5% | 21.6% | ||
| Q2 24 | 18.2% | 24.0% | ||
| Q1 24 | 22.3% | 22.8% |
净利率FCFSRBC
| Q4 25 | 20.8% | 14.6% | ||
| Q3 25 | 20.1% | 13.2% | ||
| Q2 25 | 15.5% | 15.7% | ||
| Q1 25 | 22.5% | 16.6% | ||
| Q4 24 | 20.2% | 14.7% | ||
| Q3 24 | 17.9% | 13.6% | ||
| Q2 24 | 13.5% | 15.1% | ||
| Q1 24 | 16.7% | — |
每股收益（稀释后）FCFSRBC
| Q4 25 | $2.35 | $2.13 | ||
| Q3 25 | $1.86 | $1.90 | ||
| Q2 25 | $1.34 | $2.17 | ||
| Q1 25 | $1.87 | $2.33 | ||
| Q4 24 | $1.86 | $1.82 | ||
| Q3 24 | $1.44 | $1.65 | ||
| Q2 24 | $1.08 | $1.90 | ||
| Q1 24 | $1.35 | $1.92 |
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 | $107.6M |
| 总债务越低越好 | $2.2B | $990.2M |
| 股东权益账面价值 | $2.3B | $3.3B |
| 总资产 | $5.3B | $5.1B |
| 负债/权益比越低杠杆越低 | 0.98× | 0.30× |
8季度趋势，按日历期对齐
现金及短期投资FCFSRBC
| Q4 25 | $125.2M | $107.6M | ||
| Q3 25 | $130.2M | $91.2M | ||
| Q2 25 | $101.5M | $132.9M | ||
| Q1 25 | $146.0M | $36.8M | ||
| Q4 24 | $175.1M | — | ||
| Q3 24 | $106.3M | — | ||
| Q2 24 | $113.7M | $76.8M | ||
| Q1 24 | $135.1M | $63.5M |
总债务FCFSRBC
| Q4 25 | $2.2B | $990.2M | ||
| Q3 25 | $2.2B | $1.1B | ||
| Q2 25 | $1.7B | $915.6M | ||
| Q1 25 | $1.7B | $920.1M | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.5B | $1.2B |
股东权益FCFSRBC
| Q4 25 | $2.3B | $3.3B | ||
| Q3 25 | $2.2B | $3.2B | ||
| Q2 25 | $2.1B | $3.1B | ||
| Q1 25 | $2.1B | $3.0B | ||
| Q4 24 | $2.1B | $2.9B | ||
| Q3 24 | $2.0B | $2.9B | ||
| Q2 24 | $2.0B | $2.8B | ||
| Q1 24 | $2.0B | $2.8B |
总资产FCFSRBC
| Q4 25 | $5.3B | $5.1B | ||
| Q3 25 | $5.2B | $5.1B | ||
| Q2 25 | $4.5B | $4.8B | ||
| Q1 25 | $4.4B | $4.7B | ||
| Q4 24 | $4.5B | $4.7B | ||
| Q3 24 | $4.4B | $4.7B | ||
| Q2 24 | $4.3B | $4.7B | ||
| Q1 24 | $4.2B | $4.7B |
负债/权益比FCFSRBC
| Q4 25 | 0.98× | 0.30× | ||
| Q3 25 | 1.01× | 0.34× | ||
| Q2 25 | 0.79× | 0.29× | ||
| Q1 25 | 0.83× | 0.30× | ||
| Q4 24 | 0.85× | — | ||
| Q3 24 | 0.87× | — | ||
| Q2 24 | 0.85× | — | ||
| Q1 24 | 0.75× | 0.43× |
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 | $122.1M |
| 自由现金流经营现金流 - 资本支出 | — | $99.1M |
| 自由现金流率自由现金流/营收 | — | 21.5% |
| 资本支出强度资本支出/营收 | — | 5.0% |
| 现金转化率经营现金流/净利润 | 1.98× | 1.81× |
| 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FCFSRBC
| Q4 25 | $206.6M | $122.1M | ||
| Q3 25 | $135.8M | $88.4M | ||
| Q2 25 | $116.9M | $120.0M | ||
| Q1 25 | $126.6M | — | ||
| Q4 24 | $198.1M | $84.0M | ||
| Q3 24 | $113.1M | — | ||
| Q2 24 | $106.2M | $97.4M | ||
| Q1 24 | $122.5M | — |
自由现金流FCFSRBC
| Q4 25 | — | $99.1M | ||
| Q3 25 | — | $71.7M | ||
| Q2 25 | — | $104.3M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $73.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $88.4M | ||
| Q1 24 | — | — |
自由现金流率FCFSRBC
| Q4 25 | — | 21.5% | ||
| Q3 25 | — | 15.7% | ||
| Q2 25 | — | 23.9% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 18.7% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 21.8% | ||
| Q1 24 | — | — |
资本支出强度FCFSRBC
| Q4 25 | — | 5.0% | ||
| Q3 25 | — | 3.7% | ||
| Q2 25 | — | 3.6% | ||
| Q1 25 | — | 3.2% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | 4.1% | ||
| Q2 24 | — | 2.2% | ||
| Q1 24 | — | — |
现金转化率FCFSRBC
| Q4 25 | 1.98× | 1.81× | ||
| Q3 25 | 1.64× | 1.47× | ||
| Q2 25 | 1.95× | 1.75× | ||
| Q1 25 | 1.51× | — | ||
| Q4 24 | 2.37× | 1.45× | ||
| Q3 24 | 1.74× | — | ||
| Q2 24 | 2.16× | 1.59× | ||
| 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% |
RBC
| Domestic | $413.3M | 90% |
| Foreign | $48.3M | 10% |
