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FirstCash Holdings, Inc.（FCFS）与SAFETY INSURANCE GROUP INC（SAFT）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SAFETY INSURANCE GROUP INC的1.6倍（$501.3M vs $319.3M），FirstCash Holdings, Inc.净利率更高（20.8% vs 6.3%，领先14.5%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 11.4%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 9.1%）
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。
全美互助保险集团及其关联公司，常简称为Nationwide，是一家总部位于美国俄亥俄州哥伦布市的大型保险金融服务集团，在亚利桑那州斯科茨代尔、爱荷华州得梅因都设有区域总部。目前集团拥有约2.4万名员工，位列2025年财富美国500强榜单第72名。
FCFS vs SAFT — 直观对比
营收规模更大
FCFS
是对方的1.6倍
$319.3M
营收增速更快
FCFS
高出9.8%
11.4%
净利率更高
FCFS
高出14.5%
6.3%
两年增速更快
FCFS
近两年复合增速
9.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $319.3M |
| 净利润 | $104.2M | $20.1M |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | 8.0% |
| 净利率 | 20.8% | 6.3% |
| 营收同比 | 21.2% | 11.4% |
| 净利润同比 | 24.7% | 147.3% |
| 每股收益（稀释后） | $2.35 | $1.36 |
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FCFSSAFT
| Q4 25 | $501.3M | $319.3M | ||
| Q3 25 | $411.0M | $326.6M | ||
| Q2 25 | $385.1M | $316.3M | ||
| Q1 25 | $371.1M | $301.4M | ||
| Q4 24 | $413.7M | $286.7M | ||
| Q3 24 | $363.1M | $295.3M | ||
| Q2 24 | $363.5M | $269.8M | ||
| Q1 24 | $366.8M | $268.2M |
净利润FCFSSAFT
| Q4 25 | $104.2M | $20.1M | ||
| Q3 25 | $82.8M | $28.3M | ||
| Q2 25 | $59.8M | $28.9M | ||
| Q1 25 | $83.6M | $21.9M | ||
| Q4 24 | $83.5M | $8.1M | ||
| Q3 24 | $64.8M | $25.9M | ||
| Q2 24 | $49.1M | $16.6M | ||
| Q1 24 | $61.4M | $20.1M |
营业利润率FCFSSAFT
| Q4 25 | 28.5% | 8.0% | ||
| Q3 25 | 27.4% | 11.1% | ||
| Q2 25 | 21.1% | 11.6% | ||
| Q1 25 | 30.0% | 9.4% | ||
| Q4 24 | 26.5% | 3.5% | ||
| Q3 24 | 23.5% | 11.1% | ||
| Q2 24 | 18.2% | 7.9% | ||
| Q1 24 | 22.3% | 9.5% |
净利率FCFSSAFT
| Q4 25 | 20.8% | 6.3% | ||
| Q3 25 | 20.1% | 8.7% | ||
| Q2 25 | 15.5% | 9.1% | ||
| Q1 25 | 22.5% | 7.3% | ||
| Q4 24 | 20.2% | 2.8% | ||
| Q3 24 | 17.9% | 8.8% | ||
| Q2 24 | 13.5% | 6.2% | ||
| Q1 24 | 16.7% | 7.5% |
每股收益（稀释后）FCFSSAFT
| Q4 25 | $2.35 | $1.36 | ||
| Q3 25 | $1.86 | $1.91 | ||
| Q2 25 | $1.34 | $1.95 | ||
| Q1 25 | $1.87 | $1.48 | ||
| Q4 24 | $1.86 | $0.56 | ||
| Q3 24 | $1.44 | $1.73 | ||
| Q2 24 | $1.08 | $1.13 | ||
| Q1 24 | $1.35 | $1.36 |
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 | $73.9M |
| 总债务越低越好 | $2.2B | $50.0M |
| 股东权益账面价值 | $2.3B | $892.3M |
| 总资产 | $5.3B | $2.5B |
| 负债/权益比越低杠杆越低 | 0.98× | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资FCFSSAFT
| Q4 25 | $125.2M | $73.9M | ||
| Q3 25 | $130.2M | $56.2M | ||
| Q2 25 | $101.5M | $49.4M | ||
| Q1 25 | $146.0M | $64.7M | ||
| Q4 24 | $175.1M | $59.0M | ||
| Q3 24 | $106.3M | $82.3M | ||
| Q2 24 | $113.7M | $44.6M | ||
| Q1 24 | $135.1M | $30.8M |
总债务FCFSSAFT
| Q4 25 | $2.2B | $50.0M | ||
| Q3 25 | $2.2B | $30.0M | ||
| Q2 25 | $1.7B | $30.0M | ||
| Q1 25 | $1.7B | $30.0M | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.5B | — |
股东权益FCFSSAFT
| Q4 25 | $2.3B | $892.3M | ||
| Q3 25 | $2.2B | $899.6M | ||
| Q2 25 | $2.1B | $873.3M | ||
| Q1 25 | $2.1B | $850.7M | ||
| Q4 24 | $2.1B | $828.5M | ||
| Q3 24 | $2.0B | $851.4M | ||
| Q2 24 | $2.0B | $810.2M | ||
| Q1 24 | $2.0B | $807.1M |
总资产FCFSSAFT
| Q4 25 | $5.3B | $2.5B | ||
| Q3 25 | $5.2B | $2.4B | ||
| Q2 25 | $4.5B | $2.4B | ||
| Q1 25 | $4.4B | $2.3B | ||
| Q4 24 | $4.5B | $2.3B | ||
| Q3 24 | $4.4B | $2.3B | ||
| Q2 24 | $4.3B | $2.2B | ||
| Q1 24 | $4.2B | $2.1B |
负债/权益比FCFSSAFT
| Q4 25 | 0.98× | 0.06× | ||
| Q3 25 | 1.01× | 0.03× | ||
| Q2 25 | 0.79× | 0.03× | ||
| Q1 25 | 0.83× | 0.04× | ||
| 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 | $194.5M |
| 自由现金流经营现金流 - 资本支出 | — | $192.0M |
| 自由现金流率自由现金流/营收 | — | 60.1% |
| 资本支出强度资本支出/营收 | — | 0.8% |
| 现金转化率经营现金流/净利润 | 1.98× | 9.67× |
| 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FCFSSAFT
| Q4 25 | $206.6M | $194.5M | ||
| Q3 25 | $135.8M | $85.5M | ||
| Q2 25 | $116.9M | $32.3M | ||
| Q1 25 | $126.6M | $3.2M | ||
| Q4 24 | $198.1M | $128.7M | ||
| Q3 24 | $113.1M | $73.8M | ||
| Q2 24 | $106.2M | $25.6M | ||
| Q1 24 | $122.5M | $-21.1M |
自由现金流FCFSSAFT
| Q4 25 | — | $192.0M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $32.3M | ||
| Q1 25 | — | $2.8M | ||
| Q4 24 | — | $124.3M | ||
| Q3 24 | — | $73.2M | ||
| Q2 24 | — | $25.0M | ||
| Q1 24 | — | $-24.2M |
自由现金流率FCFSSAFT
| Q4 25 | — | 60.1% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 10.2% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 43.4% | ||
| Q3 24 | — | 24.8% | ||
| Q2 24 | — | 9.3% | ||
| Q1 24 | — | -9.0% |
资本支出强度FCFSSAFT
| Q4 25 | — | 0.8% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.2% | ||
| Q1 24 | — | 1.1% |
现金转化率FCFSSAFT
| Q4 25 | 1.98× | 9.67× | ||
| Q3 25 | 1.64× | 3.02× | ||
| Q2 25 | 1.95× | 1.12× | ||
| Q1 25 | 1.51× | 0.14× | ||
| Q4 24 | 2.37× | 15.83× | ||
| Q3 24 | 1.74× | 2.85× | ||
| Q2 24 | 2.16× | 1.54× | ||
| Q1 24 | 2.00× | -1.05× |
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% |
SAFT
暂无分部数据
