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FirstCash Holdings, Inc.（FCFS）与Rithm Capital Corp.（RITM）财务数据对比。点击上方公司名可切换其他公司
Rithm Capital Corp.的季度营收约是FirstCash Holdings, Inc.的1.7倍（$828.2M vs $501.3M），FirstCash Holdings, Inc.净利率更高（20.8% vs 13.2%，领先7.6%），Rithm Capital Corp.同比增速更快（508.5% vs 21.2%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs -17.9%）
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。
Rithm Capital Corp.是总部位于美国纽约的投资管理机构，核心业务聚焦房地产投资与另类资产投资，依托专业的投研团队和成熟的市场运营经验，为合作伙伴及投资者提供优质的资产配置解决方案与长期收益回报。
FCFS vs RITM — 直观对比
营收规模更大
RITM
是对方的1.7倍
$501.3M
营收增速更快
RITM
高出487.3%
21.2%
净利率更高
FCFS
高出7.6%
13.2%
两年增速更快
FCFS
近两年复合增速
-17.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $828.2M |
| 净利润 | $104.2M | $109.5M |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | 29.9% |
| 净利率 | 20.8% | 13.2% |
| 营收同比 | 21.2% | 508.5% |
| 净利润同比 | 24.7% | 27.7% |
| 每股收益（稀释后） | $2.35 | $0.12 |
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FCFSRITM
| Q1 26 | — | $828.2M | ||
| Q4 25 | $501.3M | $1.5B | ||
| Q3 25 | $411.0M | $1.1B | ||
| Q2 25 | $385.1M | $1.2B | ||
| Q1 25 | $371.1M | $768.4M | ||
| Q4 24 | $413.7M | $2.1B | ||
| Q3 24 | $363.1M | $619.5M | ||
| Q2 24 | $363.5M | $1.2B |
净利润FCFSRITM
| Q1 26 | — | $109.5M | ||
| Q4 25 | $104.2M | $85.0M | ||
| Q3 25 | $82.8M | $221.5M | ||
| Q2 25 | $59.8M | $311.7M | ||
| Q1 25 | $83.6M | $78.8M | ||
| Q4 24 | $83.5M | $290.2M | ||
| Q3 24 | $64.8M | $121.7M | ||
| Q2 24 | $49.1M | $235.6M |
营业利润率FCFSRITM
| Q1 26 | — | 29.9% | ||
| Q4 25 | 28.5% | 13.8% | ||
| Q3 25 | 27.4% | 21.4% | ||
| Q2 25 | 21.1% | 25.2% | ||
| Q1 25 | 30.0% | 7.4% | ||
| Q4 24 | 26.5% | 23.8% | ||
| Q3 24 | 23.5% | 7.3% | ||
| Q2 24 | 18.2% | 23.6% |
净利率FCFSRITM
| Q1 26 | — | 13.2% | ||
| Q4 25 | 20.8% | 5.7% | ||
| Q3 25 | 20.1% | 20.0% | ||
| Q2 25 | 15.5% | 25.6% | ||
| Q1 25 | 22.5% | 10.3% | ||
| Q4 24 | 20.2% | 14.0% | ||
| Q3 24 | 17.9% | 19.7% | ||
| Q2 24 | 13.5% | 19.2% |
每股收益（稀释后）FCFSRITM
| Q1 26 | — | $0.12 | ||
| Q4 25 | $2.35 | $0.09 | ||
| Q3 25 | $1.86 | $0.35 | ||
| Q2 25 | $1.34 | $0.53 | ||
| Q1 25 | $1.87 | $0.07 | ||
| Q4 24 | $1.86 | $0.50 | ||
| Q3 24 | $1.44 | $0.20 | ||
| Q2 24 | $1.08 | $0.43 |
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 | — |
| 总债务越低越好 | $2.2B | — |
| 股东权益账面价值 | $2.3B | $9.1B |
| 总资产 | $5.3B | $53.4B |
| 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FCFSRITM
| Q1 26 | — | — | ||
| Q4 25 | $125.2M | $1.8B | ||
| Q3 25 | $130.2M | $1.6B | ||
| Q2 25 | $101.5M | $1.6B | ||
| Q1 25 | $146.0M | $1.5B | ||
| Q4 24 | $175.1M | $1.5B | ||
| Q3 24 | $106.3M | $1.6B | ||
| Q2 24 | $113.7M | $1.2B |
总债务FCFSRITM
| Q1 26 | — | — | ||
| Q4 25 | $2.2B | $35.4B | ||
| Q3 25 | $2.2B | $32.2B | ||
| Q2 25 | $1.7B | $31.2B | ||
| Q1 25 | $1.7B | $32.2B | ||
| Q4 24 | $1.7B | $32.6B | ||
| Q3 24 | $1.7B | $29.6B | ||
| Q2 24 | $1.7B | $30.1B |
股东权益FCFSRITM
| Q1 26 | — | $9.1B | ||
| Q4 25 | $2.3B | $8.4B | ||
| Q3 25 | $2.2B | $8.5B | ||
| Q2 25 | $2.1B | $7.9B | ||
| Q1 25 | $2.1B | $7.8B | ||
| Q4 24 | $2.1B | $7.8B | ||
| Q3 24 | $2.0B | $7.7B | ||
| Q2 24 | $2.0B | $7.3B |
总资产FCFSRITM
| Q1 26 | — | $53.4B | ||
| Q4 25 | $5.3B | $53.1B | ||
| Q3 25 | $5.2B | $47.2B | ||
| Q2 25 | $4.5B | $44.3B | ||
| Q1 25 | $4.4B | $45.3B | ||
| Q4 24 | $4.5B | $46.0B | ||
| Q3 24 | $4.4B | $42.3B | ||
| Q2 24 | $4.3B | $42.0B |
负债/权益比FCFSRITM
| Q1 26 | — | — | ||
| Q4 25 | 0.98× | 4.20× | ||
| Q3 25 | 1.01× | 3.79× | ||
| Q2 25 | 0.79× | 3.92× | ||
| Q1 25 | 0.83× | 4.14× | ||
| Q4 24 | 0.85× | 4.18× | ||
| Q3 24 | 0.87× | 3.87× | ||
| Q2 24 | 0.85× | 4.10× |
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FCFSRITM
| Q1 26 | — | — | ||
| Q4 25 | $206.6M | $-114.6M | ||
| Q3 25 | $135.8M | $-2.0B | ||
| Q2 25 | $116.9M | $-557.1M | ||
| Q1 25 | $126.6M | $1.4B | ||
| Q4 24 | $198.1M | $-1.8B | ||
| Q3 24 | $113.1M | $768.1M | ||
| Q2 24 | $106.2M | $-55.7M |
现金转化率FCFSRITM
| Q1 26 | — | — | ||
| Q4 25 | 1.98× | -1.35× | ||
| Q3 25 | 1.64× | -9.22× | ||
| Q2 25 | 1.95× | -1.79× | ||
| Q1 25 | 1.51× | 18.03× | ||
| Q4 24 | 2.37× | -6.04× | ||
| Q3 24 | 1.74× | 6.31× | ||
| Q2 24 | 2.16× | -0.24× |
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% |
RITM
| Servicing revenue, net | $375.1M | 45% |
| Other | $234.9M | 28% |
| Gain on originated residential mortgage loans, held-for-sale, net | $195.0M | 24% |
| Other revenue | $23.3M | 3% |
