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FirstCash Holdings, Inc.（FCFS）与STANDARD MOTOR PRODUCTS, INC.（SMP）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STANDARD MOTOR PRODUCTS, INC.的1.3倍（$501.3M vs $385.1M），FirstCash Holdings, Inc.净利率更高（20.8% vs 2.0%，领先18.7%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 12.2%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 7.8%）
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。
标准汽车产品公司（SMP）是一家汽车零部件制造商与经销商，由埃利亚斯·法伊夫和拉尔夫·范艾伦于1919年合伙创立，1926年完成法人注册，总部位于纽约长岛市，在纽约证券交易所上市。公司目前设有车辆控制、温控、工程解决方案和尼森斯四大运营板块，为汽车售后市场供应相关零部件产品。
FCFS vs SMP — 直观对比
营收规模更大
FCFS
是对方的1.3倍
$385.1M
营收增速更快
FCFS
高出9.0%
12.2%
净利率更高
FCFS
高出18.7%
2.0%
两年增速更快
FCFS
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $385.1M |
| 净利润 | $104.2M | $7.9M |
| 毛利率 | — | 31.7% |
| 营业利润率 | 28.5% | 5.6% |
| 净利率 | 20.8% | 2.0% |
| 营收同比 | 21.2% | 12.2% |
| 净利润同比 | 24.7% | 457.9% |
| 每股收益（稀释后） | $2.35 | $0.34 |
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FCFSSMP
| Q4 25 | $501.3M | $385.1M | ||
| Q3 25 | $411.0M | $498.8M | ||
| Q2 25 | $385.1M | $493.9M | ||
| Q1 25 | $371.1M | $413.4M | ||
| Q4 24 | $413.7M | $343.4M | ||
| Q3 24 | $363.1M | $399.3M | ||
| Q2 24 | $363.5M | $389.8M | ||
| Q1 24 | $366.8M | $331.4M |
净利润FCFSSMP
| Q4 25 | $104.2M | $7.9M | ||
| Q3 25 | $82.8M | $-4.3M | ||
| Q2 25 | $59.8M | $25.2M | ||
| Q1 25 | $83.6M | $12.6M | ||
| Q4 24 | $83.5M | $-2.2M | ||
| Q3 24 | $64.8M | $3.8M | ||
| Q2 24 | $49.1M | $17.1M | ||
| Q1 24 | $61.4M | $8.8M |
毛利率FCFSSMP
| Q4 25 | — | 31.7% | ||
| Q3 25 | — | 32.4% | ||
| Q2 25 | — | 30.6% | ||
| Q1 25 | — | 30.2% | ||
| Q4 24 | — | 29.4% | ||
| Q3 24 | — | 30.4% | ||
| Q2 24 | — | 28.6% | ||
| Q1 24 | — | 27.0% |
营业利润率FCFSSMP
| Q4 25 | 28.5% | 5.6% | ||
| Q3 25 | 27.4% | 9.5% | ||
| Q2 25 | 21.1% | 8.7% | ||
| Q1 25 | 30.0% | 5.9% | ||
| Q4 24 | 26.5% | 1.1% | ||
| Q3 24 | 23.5% | 9.3% | ||
| Q2 24 | 18.2% | 6.4% | ||
| Q1 24 | 22.3% | 4.4% |
净利率FCFSSMP
| Q4 25 | 20.8% | 2.0% | ||
| Q3 25 | 20.1% | -0.9% | ||
| Q2 25 | 15.5% | 5.1% | ||
| Q1 25 | 22.5% | 3.0% | ||
| Q4 24 | 20.2% | -0.6% | ||
| Q3 24 | 17.9% | 1.0% | ||
| Q2 24 | 13.5% | 4.4% | ||
| Q1 24 | 16.7% | 2.7% |
每股收益（稀释后）FCFSSMP
| Q4 25 | $2.35 | $0.34 | ||
| Q3 25 | $1.86 | $-0.19 | ||
| Q2 25 | $1.34 | $1.13 | ||
| Q1 25 | $1.87 | $0.56 | ||
| Q4 24 | $1.86 | $-0.09 | ||
| Q3 24 | $1.44 | $0.17 | ||
| Q2 24 | $1.08 | $0.77 | ||
| Q1 24 | $1.35 | $0.39 |
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 | $618.7M |
| 股东权益账面价值 | $2.3B | $683.7M |
| 总资产 | $5.3B | $2.0B |
| 负债/权益比越低杠杆越低 | 0.98× | 0.90× |
8季度趋势，按日历期对齐
现金及短期投资FCFSSMP
| Q4 25 | $125.2M | — | ||
| Q3 25 | $130.2M | $87.2M | ||
| Q2 25 | $101.5M | $58.8M | ||
| Q1 25 | $146.0M | $50.3M | ||
| Q4 24 | $175.1M | $44.4M | ||
| Q3 24 | $106.3M | $26.3M | ||
| Q2 24 | $113.7M | $26.2M | ||
| Q1 24 | $135.1M | $27.1M |
总债务FCFSSMP
| Q4 25 | $2.2B | $618.7M | ||
| Q3 25 | $2.2B | $589.5M | ||
| Q2 25 | $1.7B | $636.6M | ||
| Q1 25 | $1.7B | $650.6M | ||
| Q4 24 | $1.7B | $562.3M | ||
| Q3 24 | $1.7B | $142.8M | ||
| Q2 24 | $1.7B | $208.2M | ||
| Q1 24 | $1.5B | $214.9M |
股东权益FCFSSMP
| Q4 25 | $2.3B | $683.7M | ||
| Q3 25 | $2.2B | $677.4M | ||
| Q2 25 | $2.1B | $688.6M | ||
| Q1 25 | $2.1B | $638.0M | ||
| Q4 24 | $2.1B | $615.7M | ||
| Q3 24 | $2.0B | $638.8M | ||
| Q2 24 | $2.0B | $640.0M | ||
| Q1 24 | $2.0B | $639.1M |
总资产FCFSSMP
| Q4 25 | $5.3B | $2.0B | ||
| Q3 25 | $5.2B | $2.0B | ||
| Q2 25 | $4.5B | $2.0B | ||
| Q1 25 | $4.4B | $1.9B | ||
| Q4 24 | $4.5B | $1.8B | ||
| Q3 24 | $4.4B | $1.4B | ||
| Q2 24 | $4.3B | $1.4B | ||
| Q1 24 | $4.2B | $1.4B |
负债/权益比FCFSSMP
| Q4 25 | 0.98× | 0.90× | ||
| Q3 25 | 1.01× | 0.87× | ||
| Q2 25 | 0.79× | 0.92× | ||
| Q1 25 | 0.83× | 1.02× | ||
| Q4 24 | 0.85× | 0.91× | ||
| Q3 24 | 0.87× | 0.22× | ||
| Q2 24 | 0.85× | 0.33× | ||
| Q1 24 | 0.75× | 0.34× |
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 | $-28.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-37.6M |
| 自由现金流率自由现金流/营收 | — | -9.8% |
| 资本支出强度资本支出/营收 | — | 2.4% |
| 现金转化率经营现金流/净利润 | 1.98× | -3.59× |
| 过去12个月自由现金流最近4个季度 | — | $18.7M |
8季度趋势，按日历期对齐
经营现金流FCFSSMP
| Q4 25 | $206.6M | $-28.2M | ||
| Q3 25 | $135.8M | $91.6M | ||
| Q2 25 | $116.9M | $54.3M | ||
| Q1 25 | $126.6M | $-60.2M | ||
| Q4 24 | $198.1M | $-1.5M | ||
| Q3 24 | $113.1M | $88.3M | ||
| Q2 24 | $106.2M | $35.6M | ||
| Q1 24 | $122.5M | $-45.7M |
自由现金流FCFSSMP
| Q4 25 | — | $-37.6M | ||
| Q3 25 | — | $81.5M | ||
| Q2 25 | — | $44.2M | ||
| Q1 25 | — | $-69.4M | ||
| Q4 24 | — | $-11.4M | ||
| Q3 24 | — | $77.1M | ||
| Q2 24 | — | $22.7M | ||
| Q1 24 | — | $-55.8M |
自由现金流率FCFSSMP
| Q4 25 | — | -9.8% | ||
| Q3 25 | — | 16.3% | ||
| Q2 25 | — | 8.9% | ||
| Q1 25 | — | -16.8% | ||
| Q4 24 | — | -3.3% | ||
| Q3 24 | — | 19.3% | ||
| Q2 24 | — | 5.8% | ||
| Q1 24 | — | -16.8% |
资本支出强度FCFSSMP
| Q4 25 | — | 2.4% | ||
| Q3 25 | — | 2.0% | ||
| Q2 25 | — | 2.1% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 2.9% | ||
| Q3 24 | — | 2.8% | ||
| Q2 24 | — | 3.3% | ||
| Q1 24 | — | 3.0% |
现金转化率FCFSSMP
| Q4 25 | 1.98× | -3.59× | ||
| Q3 25 | 1.64× | — | ||
| Q2 25 | 1.95× | 2.15× | ||
| Q1 25 | 1.51× | -4.79× | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | 23.19× | ||
| Q2 24 | 2.16× | 2.09× | ||
| Q1 24 | 2.00× | -5.18× |
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% |
SMP
| Engineered Solutions | $66.1M | 17% |
| Electrical And Safety | $63.6M | 17% |
| Temperature Control | $61.5M | 16% |
| Europe Excluding Poland | $55.5M | 14% |
| Other Thermal Components | $30.7M | 8% |
| Air Conditioning | $22.7M | 6% |
| Commercial Vehicle | $19.7M | 5% |
| All Other | $18.9M | 5% |
| PL | $16.0M | 4% |
| Wire Sets And Other | $11.9M | 3% |
| Engine Efficiency | $10.0M | 3% |
| Construction Agriculture | $7.8M | 2% |
