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FirstCash Holdings, Inc.（FCFS）与RAYONIER ADVANCED MATERIALS INC.（RYAM）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RAYONIER ADVANCED MATERIALS INC.的1.2倍（$501.3M vs $417.5M），FirstCash Holdings, Inc.净利率更高（20.8% vs -5.0%，领先25.8%），FirstCash Holdings, Inc.同比增速更快（21.2% vs -1.2%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 3.8%）
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。
RYAM（原雷尼尔先进材料公司）是一家美国全球性纤维素技术企业，主打高纯度特种纤维素产品，所生产的天然聚合物广泛应用于过滤器生产、食品加工、医药制造及各类工业领域，同时也为造纸和包装行业供应相关产品，在纤维素技术领域拥有较高的行业认可度。
FCFS vs RYAM — 直观对比
营收规模更大
FCFS
是对方的1.2倍
$417.5M
营收增速更快
FCFS
高出22.3%
-1.2%
净利率更高
FCFS
高出25.8%
-5.0%
两年增速更快
FCFS
近两年复合增速
3.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $417.5M |
| 净利润 | $104.2M | $-21.1M |
| 毛利率 | — | 8.9% |
| 营业利润率 | 28.5% | 2.6% |
| 净利率 | 20.8% | -5.0% |
| 营收同比 | 21.2% | -1.2% |
| 净利润同比 | 24.7% | -31.9% |
| 每股收益（稀释后） | $2.35 | $-0.33 |
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FCFSRYAM
| Q4 25 | $501.3M | $417.5M | ||
| Q3 25 | $411.0M | $352.8M | ||
| Q2 25 | $385.1M | $340.0M | ||
| Q1 25 | $371.1M | $356.0M | ||
| Q4 24 | $413.7M | $422.5M | ||
| Q3 24 | $363.1M | $401.1M | ||
| Q2 24 | $363.5M | $419.0M | ||
| Q1 24 | $366.8M | $387.7M |
净利润FCFSRYAM
| Q4 25 | $104.2M | $-21.1M | ||
| Q3 25 | $82.8M | $-4.5M | ||
| Q2 25 | $59.8M | $-363.2M | ||
| Q1 25 | $83.6M | $-32.0M | ||
| Q4 24 | $83.5M | $-16.0M | ||
| Q3 24 | $64.8M | $-32.6M | ||
| Q2 24 | $49.1M | $11.4M | ||
| Q1 24 | $61.4M | $-1.6M |
毛利率FCFSRYAM
| Q4 25 | — | 8.9% | ||
| Q3 25 | — | 9.7% | ||
| Q2 25 | — | 7.0% | ||
| Q1 25 | — | 6.8% | ||
| Q4 24 | — | 8.7% | ||
| Q3 24 | — | 10.9% | ||
| Q2 24 | — | 11.5% | ||
| Q1 24 | — | 9.5% |
营业利润率FCFSRYAM
| Q4 25 | 28.5% | 2.6% | ||
| Q3 25 | 27.4% | 2.8% | ||
| Q2 25 | 21.1% | -0.4% | ||
| Q1 25 | 30.0% | -4.2% | ||
| Q4 24 | 26.5% | 2.6% | ||
| Q3 24 | 23.5% | -4.2% | ||
| Q2 24 | 18.2% | 6.7% | ||
| Q1 24 | 22.3% | 4.4% |
净利率FCFSRYAM
| Q4 25 | 20.8% | -5.0% | ||
| Q3 25 | 20.1% | -1.3% | ||
| Q2 25 | 15.5% | -106.8% | ||
| Q1 25 | 22.5% | -9.0% | ||
| Q4 24 | 20.2% | -3.8% | ||
| Q3 24 | 17.9% | -8.1% | ||
| Q2 24 | 13.5% | 2.7% | ||
| Q1 24 | 16.7% | -0.4% |
每股收益（稀释后）FCFSRYAM
| Q4 25 | $2.35 | $-0.33 | ||
| Q3 25 | $1.86 | $-0.07 | ||
| Q2 25 | $1.34 | $-5.44 | ||
| Q1 25 | $1.87 | $-0.49 | ||
| Q4 24 | $1.86 | $-0.25 | ||
| Q3 24 | $1.44 | $-0.49 | ||
| Q2 24 | $1.08 | $0.17 | ||
| Q1 24 | $1.35 | $-0.02 |
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 | $75.4M |
| 总债务越低越好 | $2.2B | $758.1M |
| 股东权益账面价值 | $2.3B | $316.6M |
| 总资产 | $5.3B | $1.8B |
| 负债/权益比越低杠杆越低 | 0.98× | 2.39× |
8季度趋势，按日历期对齐
现金及短期投资FCFSRYAM
| Q4 25 | $125.2M | $75.4M | ||
| Q3 25 | $130.2M | $77.0M | ||
| Q2 25 | $101.5M | $70.7M | ||
| Q1 25 | $146.0M | $129.9M | ||
| Q4 24 | $175.1M | $125.2M | ||
| Q3 24 | $106.3M | $136.1M | ||
| Q2 24 | $113.7M | $114.1M | ||
| Q1 24 | $135.1M | $54.6M |
总债务FCFSRYAM
| Q4 25 | $2.2B | $758.1M | ||
| Q3 25 | $2.2B | $763.5M | ||
| Q2 25 | $1.7B | $720.4M | ||
| Q1 25 | $1.7B | $707.0M | ||
| Q4 24 | $1.7B | $706.4M | ||
| Q3 24 | $1.7B | $747.7M | ||
| Q2 24 | $1.7B | $752.8M | ||
| Q1 24 | $1.5B | $755.6M |
股东权益FCFSRYAM
| Q4 25 | $2.3B | $316.6M | ||
| Q3 25 | $2.2B | $338.2M | ||
| Q2 25 | $2.1B | $342.3M | ||
| Q1 25 | $2.1B | $688.1M | ||
| Q4 24 | $2.1B | $713.9M | ||
| Q3 24 | $2.0B | $732.7M | ||
| Q2 24 | $2.0B | $755.1M | ||
| Q1 24 | $2.0B | $741.8M |
总资产FCFSRYAM
| Q4 25 | $5.3B | $1.8B | ||
| Q3 25 | $5.2B | $1.8B | ||
| Q2 25 | $4.5B | $1.8B | ||
| Q1 25 | $4.4B | $2.1B | ||
| Q4 24 | $4.5B | $2.1B | ||
| Q3 24 | $4.4B | $2.2B | ||
| Q2 24 | $4.3B | $2.2B | ||
| Q1 24 | $4.2B | $2.1B |
负债/权益比FCFSRYAM
| Q4 25 | 0.98× | 2.39× | ||
| Q3 25 | 1.01× | 2.26× | ||
| Q2 25 | 0.79× | 2.10× | ||
| Q1 25 | 0.83× | 1.03× | ||
| Q4 24 | 0.85× | 0.99× | ||
| Q3 24 | 0.87× | 1.02× | ||
| Q2 24 | 0.85× | 1.00× | ||
| Q1 24 | 0.75× | 1.02× |
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 | $32.3M |
| 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FCFSRYAM
| Q4 25 | $206.6M | $32.3M | ||
| Q3 25 | $135.8M | $-17.8M | ||
| Q2 25 | $116.9M | $-30.2M | ||
| Q1 25 | $126.6M | $39.6M | ||
| Q4 24 | $198.1M | $54.9M | ||
| Q3 24 | $113.1M | $49.8M | ||
| Q2 24 | $106.2M | $87.6M | ||
| Q1 24 | $122.5M | $11.3M |
现金转化率FCFSRYAM
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | — | ||
| Q2 25 | 1.95× | — | ||
| Q1 25 | 1.51× | — | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | — | ||
| Q2 24 | 2.16× | 7.69× | ||
| 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% |
RYAM
| Cellulose Specialties | $249.6M | 60% |
| Other | $86.2M | 21% |
| Paperboard | $44.2M | 11% |
| High Yield Pulp | $28.3M | 7% |
| Biomaterials | $9.2M | 2% |
