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FirstCash Holdings, Inc.（FCFS）与Root, Inc.（ROOT）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Root, Inc.的1.3倍（$501.3M vs $397.0M），Root, Inc.同比增速更快（21.5% vs 21.2%），过去两年Root, Inc.的营收复合增速更高（24.8% 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。
Root Inc.旗下的Root保险公司是一家专注于汽车保险的线上保险公司，业务主要运营于美国地区，依托数字化技术为美国车主提供便捷的线上汽车保险服务。
FCFS vs ROOT — 直观对比
营收规模更大
FCFS
是对方的1.3倍
$397.0M
营收增速更快
ROOT
高出0.3%
21.2%
两年增速更快
ROOT
近两年复合增速
16.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $397.0M |
| 净利润 | $104.2M | — |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | 2.6% |
| 净利率 | 20.8% | — |
| 营收同比 | 21.2% | 21.5% |
| 净利润同比 | 24.7% | — |
| 每股收益（稀释后） | $2.35 | $0.35 |
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FCFSROOT
| Q4 25 | $501.3M | $397.0M | ||
| Q3 25 | $411.0M | $387.8M | ||
| Q2 25 | $385.1M | $382.9M | ||
| Q1 25 | $371.1M | $349.4M | ||
| Q4 24 | $413.7M | $326.7M | ||
| Q3 24 | $363.1M | $305.7M | ||
| Q2 24 | $363.5M | $289.2M | ||
| Q1 24 | $366.8M | $254.9M |
净利润FCFSROOT
| Q4 25 | $104.2M | — | ||
| Q3 25 | $82.8M | $-5.4M | ||
| Q2 25 | $59.8M | $22.0M | ||
| Q1 25 | $83.6M | $18.4M | ||
| Q4 24 | $83.5M | — | ||
| Q3 24 | $64.8M | $22.8M | ||
| Q2 24 | $49.1M | $-7.8M | ||
| Q1 24 | $61.4M | $-6.2M |
营业利润率FCFSROOT
| Q4 25 | 28.5% | 2.6% | ||
| Q3 25 | 27.4% | 0.1% | ||
| Q2 25 | 21.1% | 7.1% | ||
| Q1 25 | 30.0% | 6.8% | ||
| Q4 24 | 26.5% | 10.7% | ||
| Q3 24 | 23.5% | 11.3% | ||
| Q2 24 | 18.2% | 1.3% | ||
| Q1 24 | 22.3% | 2.1% |
净利率FCFSROOT
| Q4 25 | 20.8% | — | ||
| Q3 25 | 20.1% | -1.4% | ||
| Q2 25 | 15.5% | 5.7% | ||
| Q1 25 | 22.5% | 5.3% | ||
| Q4 24 | 20.2% | — | ||
| Q3 24 | 17.9% | 7.5% | ||
| Q2 24 | 13.5% | -2.7% | ||
| Q1 24 | 16.7% | -2.4% |
每股收益（稀释后）FCFSROOT
| Q4 25 | $2.35 | $0.35 | ||
| Q3 25 | $1.86 | $-0.35 | ||
| Q2 25 | $1.34 | $1.29 | ||
| Q1 25 | $1.87 | $1.07 | ||
| Q4 24 | $1.86 | $1.42 | ||
| Q3 24 | $1.44 | $1.35 | ||
| Q2 24 | $1.08 | $-0.52 | ||
| Q1 24 | $1.35 | $-0.42 |
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 | $669.3M |
| 总债务越低越好 | $2.2B | $200.3M |
| 股东权益账面价值 | $2.3B | $284.3M |
| 总资产 | $5.3B | $1.7B |
| 负债/权益比越低杠杆越低 | 0.98× | 0.70× |
8季度趋势，按日历期对齐
现金及短期投资FCFSROOT
| Q4 25 | $125.2M | $669.3M | ||
| Q3 25 | $130.2M | $653.3M | ||
| Q2 25 | $101.5M | $641.4M | ||
| Q1 25 | $146.0M | $609.4M | ||
| Q4 24 | $175.1M | $599.3M | ||
| Q3 24 | $106.3M | $674.8M | ||
| Q2 24 | $113.7M | $667.2M | ||
| Q1 24 | $135.1M | $640.5M |
总债务FCFSROOT
| Q4 25 | $2.2B | $200.3M | ||
| Q3 25 | $2.2B | $200.4M | ||
| Q2 25 | $1.7B | $200.1M | ||
| Q1 25 | $1.7B | $200.0M | ||
| Q4 24 | $1.7B | $200.1M | ||
| Q3 24 | $1.7B | $300.9M | ||
| Q2 24 | $1.7B | $300.1M | ||
| Q1 24 | $1.5B | $299.3M |
股东权益FCFSROOT
| Q4 25 | $2.3B | $284.3M | ||
| Q3 25 | $2.2B | $265.0M | ||
| Q2 25 | $2.1B | $244.5M | ||
| Q1 25 | $2.1B | $228.7M | ||
| Q4 24 | $2.1B | $203.7M | ||
| Q3 24 | $2.0B | $181.9M | ||
| Q2 24 | $2.0B | $151.3M | ||
| Q1 24 | $2.0B | $165.7M |
总资产FCFSROOT
| Q4 25 | $5.3B | $1.7B | ||
| Q3 25 | $5.2B | $1.6B | ||
| Q2 25 | $4.5B | $1.6B | ||
| Q1 25 | $4.4B | $1.6B | ||
| Q4 24 | $4.5B | $1.5B | ||
| Q3 24 | $4.4B | $1.6B | ||
| Q2 24 | $4.3B | $1.5B | ||
| Q1 24 | $4.2B | $1.4B |
负债/权益比FCFSROOT
| Q4 25 | 0.98× | 0.70× | ||
| Q3 25 | 1.01× | 0.76× | ||
| Q2 25 | 0.79× | 0.82× | ||
| Q1 25 | 0.83× | 0.87× | ||
| Q4 24 | 0.85× | 0.98× | ||
| Q3 24 | 0.87× | 1.65× | ||
| Q2 24 | 0.85× | 1.98× | ||
| Q1 24 | 0.75× | 1.81× |
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 | $206.5M |
| 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 | — | 0.0% |
| 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FCFSROOT
| Q4 25 | $206.6M | $206.5M | ||
| Q3 25 | $135.8M | $57.6M | ||
| Q2 25 | $116.9M | $52.0M | ||
| Q1 25 | $126.6M | $26.8M | ||
| Q4 24 | $198.1M | $195.7M | ||
| Q3 24 | $113.1M | $49.4M | ||
| Q2 24 | $106.2M | $62.6M | ||
| Q1 24 | $122.5M | $14.5M |
自由现金流FCFSROOT
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $195.3M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $62.4M | ||
| Q1 24 | — | $14.3M |
自由现金流率FCFSROOT
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 59.8% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 21.6% | ||
| Q1 24 | — | 5.6% |
资本支出强度FCFSROOT
| Q4 25 | — | 0.0% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.1% |
现金转化率FCFSROOT
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | — | ||
| Q2 25 | 1.95× | 2.36× | ||
| Q1 25 | 1.51× | 1.46× | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | 2.17× | ||
| Q2 24 | 2.16× | — | ||
| 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% |
ROOT
暂无分部数据
