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FirstCash Holdings, Inc.（FCFS）与SAIA INC（SAIA）财务数据对比。点击上方公司名可切换其他公司
SAIA INC的季度营收约是FirstCash Holdings, Inc.的1.6倍（$790.0M vs $501.3M），FirstCash Holdings, Inc.净利率更高（20.8% vs 6.0%，领先14.8%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 0.1%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 2.3%）
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。
Saia是美国知名零担货运企业，1924年创立于路易斯安那州霍马。成立最初五十年仅在路易斯安那州和得克萨斯州运营，1980年后逐步向美国南部多州扩张，后续通过同业并购将服务覆盖至36个州，目前位列美国零担承运商前十，年营收超18亿美元。
FCFS vs SAIA — 直观对比
营收规模更大
SAIA
是对方的1.6倍
$501.3M
营收增速更快
FCFS
高出21.0%
0.1%
净利率更高
FCFS
高出14.8%
6.0%
两年增速更快
FCFS
近两年复合增速
2.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $790.0M |
| 净利润 | $104.2M | $47.5M |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | 8.1% |
| 净利率 | 20.8% | 6.0% |
| 营收同比 | 21.2% | 0.1% |
| 净利润同比 | 24.7% | -37.6% |
| 每股收益（稀释后） | $2.35 | $1.77 |
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FCFSSAIA
| Q4 25 | $501.3M | $790.0M | ||
| Q3 25 | $411.0M | $839.6M | ||
| Q2 25 | $385.1M | $817.1M | ||
| Q1 25 | $371.1M | $787.6M | ||
| Q4 24 | $413.7M | $789.0M | ||
| Q3 24 | $363.1M | $842.1M | ||
| Q2 24 | $363.5M | $823.2M | ||
| Q1 24 | $366.8M | $754.8M |
净利润FCFSSAIA
| Q4 25 | $104.2M | $47.5M | ||
| Q3 25 | $82.8M | $86.3M | ||
| Q2 25 | $59.8M | $71.4M | ||
| Q1 25 | $83.6M | $49.8M | ||
| Q4 24 | $83.5M | $76.1M | ||
| Q3 24 | $64.8M | $92.7M | ||
| Q2 24 | $49.1M | $102.5M | ||
| Q1 24 | $61.4M | $90.7M |
营业利润率FCFSSAIA
| Q4 25 | 28.5% | 8.1% | ||
| Q3 25 | 27.4% | 14.1% | ||
| Q2 25 | 21.1% | 12.2% | ||
| Q1 25 | 30.0% | 8.9% | ||
| Q4 24 | 26.5% | 12.9% | ||
| Q3 24 | 23.5% | 14.9% | ||
| Q2 24 | 18.2% | 16.7% | ||
| Q1 24 | 22.3% | 15.6% |
净利率FCFSSAIA
| Q4 25 | 20.8% | 6.0% | ||
| Q3 25 | 20.1% | 10.3% | ||
| Q2 25 | 15.5% | 8.7% | ||
| Q1 25 | 22.5% | 6.3% | ||
| Q4 24 | 20.2% | 9.6% | ||
| Q3 24 | 17.9% | 11.0% | ||
| Q2 24 | 13.5% | 12.5% | ||
| Q1 24 | 16.7% | 12.0% |
每股收益（稀释后）FCFSSAIA
| Q4 25 | $2.35 | $1.77 | ||
| Q3 25 | $1.86 | $3.22 | ||
| Q2 25 | $1.34 | $2.67 | ||
| Q1 25 | $1.87 | $1.86 | ||
| Q4 24 | $1.86 | $2.84 | ||
| Q3 24 | $1.44 | $3.46 | ||
| Q2 24 | $1.08 | $3.83 | ||
| Q1 24 | $1.35 | $3.38 |
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 | $19.7M |
| 总债务越低越好 | $2.2B | $163.0M |
| 股东权益账面价值 | $2.3B | $2.6B |
| 总资产 | $5.3B | $3.5B |
| 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FCFSSAIA
| Q4 25 | $125.2M | $19.7M | ||
| Q3 25 | $130.2M | $35.5M | ||
| Q2 25 | $101.5M | $18.8M | ||
| Q1 25 | $146.0M | $16.5M | ||
| Q4 24 | $175.1M | $19.5M | ||
| Q3 24 | $106.3M | $14.4M | ||
| Q2 24 | $113.7M | $11.2M | ||
| Q1 24 | $135.1M | $12.3M |
总债务FCFSSAIA
| Q4 25 | $2.2B | $163.0M | ||
| Q3 25 | $2.2B | $218.0M | ||
| Q2 25 | $1.7B | $307.1M | ||
| Q1 25 | $1.7B | $291.8M | ||
| Q4 24 | $1.7B | $195.0M | ||
| Q3 24 | $1.7B | $184.2M | ||
| Q2 24 | $1.7B | $169.1M | ||
| Q1 24 | $1.5B | $76.6M |
股东权益FCFSSAIA
| Q4 25 | $2.3B | $2.6B | ||
| Q3 25 | $2.2B | $2.5B | ||
| Q2 25 | $2.1B | $2.4B | ||
| Q1 25 | $2.1B | $2.4B | ||
| Q4 24 | $2.1B | $2.3B | ||
| Q3 24 | $2.0B | $2.2B | ||
| Q2 24 | $2.0B | $2.1B | ||
| Q1 24 | $2.0B | $2.0B |
总资产FCFSSAIA
| Q4 25 | $5.3B | $3.5B | ||
| Q3 25 | $5.2B | $3.5B | ||
| Q2 25 | $4.5B | $3.5B | ||
| Q1 25 | $4.4B | $3.4B | ||
| Q4 24 | $4.5B | $3.2B | ||
| Q3 24 | $4.4B | $3.1B | ||
| Q2 24 | $4.3B | $3.0B | ||
| Q1 24 | $4.2B | $2.8B |
负债/权益比FCFSSAIA
| Q4 25 | 0.98× | 0.06× | ||
| Q3 25 | 1.01× | 0.09× | ||
| Q2 25 | 0.79× | 0.13× | ||
| Q1 25 | 0.83× | 0.12× | ||
| Q4 24 | 0.85× | 0.08× | ||
| Q3 24 | 0.87× | 0.08× | ||
| Q2 24 | 0.85× | 0.08× | ||
| Q1 24 | 0.75× | 0.04× |
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 | $137.3M |
| 自由现金流经营现金流 - 资本支出 | — | $37.5M |
| 自由现金流率自由现金流/营收 | — | 4.7% |
| 资本支出强度资本支出/营收 | — | 12.6% |
| 现金转化率经营现金流/净利润 | 1.98× | 2.89× |
| 过去12个月自由现金流最近4个季度 | — | $27.3M |
8季度趋势，按日历期对齐
经营现金流FCFSSAIA
| Q4 25 | $206.6M | $137.3M | ||
| Q3 25 | $135.8M | $177.8M | ||
| Q2 25 | $116.9M | $170.7M | ||
| Q1 25 | $126.6M | $109.1M | ||
| Q4 24 | $198.1M | $164.7M | ||
| Q3 24 | $113.1M | $181.7M | ||
| Q2 24 | $106.2M | $130.8M | ||
| Q1 24 | $122.5M | $106.5M |
自由现金流FCFSSAIA
| Q4 25 | — | $37.5M | ||
| Q3 25 | — | $87.6M | ||
| Q2 25 | — | $-3.9M | ||
| Q1 25 | — | $-93.8M | ||
| Q4 24 | — | $-3.5M | ||
| Q3 24 | — | $-11.7M | ||
| Q2 24 | — | $-94.0M | ||
| Q1 24 | — | $-350.7M |
自由现金流率FCFSSAIA
| Q4 25 | — | 4.7% | ||
| Q3 25 | — | 10.4% | ||
| Q2 25 | — | -0.5% | ||
| Q1 25 | — | -11.9% | ||
| Q4 24 | — | -0.4% | ||
| Q3 24 | — | -1.4% | ||
| Q2 24 | — | -11.4% | ||
| Q1 24 | — | -46.5% |
资本支出强度FCFSSAIA
| Q4 25 | — | 12.6% | ||
| Q3 25 | — | 10.8% | ||
| Q2 25 | — | 21.4% | ||
| Q1 25 | — | 25.8% | ||
| Q4 24 | — | 21.3% | ||
| Q3 24 | — | 23.0% | ||
| Q2 24 | — | 27.3% | ||
| Q1 24 | — | 60.6% |
现金转化率FCFSSAIA
| Q4 25 | 1.98× | 2.89× | ||
| Q3 25 | 1.64× | 2.06× | ||
| Q2 25 | 1.95× | 2.39× | ||
| Q1 25 | 1.51× | 2.19× | ||
| Q4 24 | 2.37× | 2.16× | ||
| Q3 24 | 1.74× | 1.96× | ||
| Q2 24 | 2.16× | 1.28× | ||
| Q1 24 | 2.00× | 1.17× |
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% |
SAIA
暂无分部数据
