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FirstCash Holdings, Inc.（FCFS）与SiriusPoint Ltd（SPNT）财务数据对比。点击上方公司名可切换其他公司
SiriusPoint Ltd的季度营收约是FirstCash Holdings, Inc.的1.9倍（$973.7M vs $501.3M），SiriusPoint Ltd净利率更高（25.1% vs 20.8%，领先4.3%），SiriusPoint Ltd同比增速更快（58.9% vs 21.2%），过去两年SiriusPoint Ltd的营收复合增速更高（19.2% 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。
SiriusPoint Ltd是一家总部位于百慕大彭布罗克的全球特种保险及再保险服务商，提供财产险、意外险、特种险种保障及另类资本解决方案，服务覆盖北美、欧洲、亚太等市场的商业客户与风险承担方，注重严谨核保与稳定的风险调整收益。
FCFS vs SPNT — 直观对比
营收规模更大
SPNT
是对方的1.9倍
$501.3M
营收增速更快
SPNT
高出37.7%
21.2%
净利率更高
SPNT
高出4.3%
20.8%
两年增速更快
SPNT
近两年复合增速
16.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $973.7M |
| 净利润 | $104.2M | $244.1M |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | 28.8% |
| 净利率 | 20.8% | 25.1% |
| 营收同比 | 21.2% | 58.9% |
| 净利润同比 | 24.7% | 1535.9% |
| 每股收益（稀释后） | $2.35 | $1.92 |
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FCFSSPNT
| Q4 25 | $501.3M | $973.7M | ||
| Q3 25 | $411.0M | $755.9M | ||
| Q2 25 | $385.1M | $748.2M | ||
| Q1 25 | $371.1M | $727.3M | ||
| Q4 24 | $413.7M | $612.8M | ||
| Q3 24 | $363.1M | $562.2M | ||
| Q2 24 | $363.5M | $743.3M | ||
| Q1 24 | $366.8M | $685.5M |
净利润FCFSSPNT
| Q4 25 | $104.2M | $244.1M | ||
| Q3 25 | $82.8M | $90.8M | ||
| Q2 25 | $59.8M | $63.2M | ||
| Q1 25 | $83.6M | $61.6M | ||
| Q4 24 | $83.5M | $-17.0M | ||
| Q3 24 | $64.8M | $8.5M | ||
| Q2 24 | $49.1M | $113.9M | ||
| Q1 24 | $61.4M | $94.8M |
营业利润率FCFSSPNT
| Q4 25 | 28.5% | 28.8% | ||
| Q3 25 | 27.4% | 14.7% | ||
| Q2 25 | 21.1% | 10.0% | ||
| Q1 25 | 30.0% | 10.4% | ||
| Q4 24 | 26.5% | -2.1% | ||
| Q3 24 | 23.5% | 2.0% | ||
| Q2 24 | 18.2% | 17.4% | ||
| Q1 24 | 22.3% | 15.4% |
净利率FCFSSPNT
| Q4 25 | 20.8% | 25.1% | ||
| Q3 25 | 20.1% | 12.0% | ||
| Q2 25 | 15.5% | 8.4% | ||
| Q1 25 | 22.5% | 8.5% | ||
| Q4 24 | 20.2% | -2.8% | ||
| Q3 24 | 17.9% | 1.5% | ||
| Q2 24 | 13.5% | 15.3% | ||
| Q1 24 | 16.7% | 13.8% |
每股收益（稀释后）FCFSSPNT
| Q4 25 | $2.35 | $1.92 | ||
| Q3 25 | $1.86 | $0.73 | ||
| Q2 25 | $1.34 | $0.50 | ||
| Q1 25 | $1.87 | $0.49 | ||
| Q4 24 | $1.86 | $-0.05 | ||
| Q3 24 | $1.44 | $0.03 | ||
| Q2 24 | $1.08 | $0.57 | ||
| Q1 24 | $1.35 | $0.49 |
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 | $731.2M |
| 总债务越低越好 | $2.2B | $688.6M |
| 股东权益账面价值 | $2.3B | $2.5B |
| 总资产 | $5.3B | $12.6B |
| 负债/权益比越低杠杆越低 | 0.98× | 0.28× |
8季度趋势，按日历期对齐
现金及短期投资FCFSSPNT
| Q4 25 | $125.2M | $731.2M | ||
| Q3 25 | $130.2M | $582.4M | ||
| Q2 25 | $101.5M | $732.4M | ||
| Q1 25 | $146.0M | $740.3M | ||
| Q4 24 | $175.1M | $682.0M | ||
| Q3 24 | $106.3M | $640.7M | ||
| Q2 24 | $113.7M | $598.1M | ||
| Q1 24 | $135.1M | $867.5M |
总债务FCFSSPNT
| Q4 25 | $2.2B | $688.6M | ||
| Q3 25 | $2.2B | $682.5M | ||
| Q2 25 | $1.7B | $678.4M | ||
| Q1 25 | $1.7B | $663.5M | ||
| Q4 24 | $1.7B | $639.1M | ||
| Q3 24 | $1.7B | $660.5M | ||
| Q2 24 | $1.7B | $648.6M | ||
| Q1 24 | $1.5B | $770.6M |
股东权益FCFSSPNT
| Q4 25 | $2.3B | $2.5B | ||
| Q3 25 | $2.2B | $2.2B | ||
| Q2 25 | $2.1B | $2.1B | ||
| Q1 25 | $2.1B | $2.0B | ||
| Q4 24 | $2.1B | $1.9B | ||
| Q3 24 | $2.0B | $2.7B | ||
| Q2 24 | $2.0B | $2.7B | ||
| Q1 24 | $2.0B | $2.6B |
总资产FCFSSPNT
| Q4 25 | $5.3B | $12.6B | ||
| Q3 25 | $5.2B | $12.5B | ||
| Q2 25 | $4.5B | $12.4B | ||
| Q1 25 | $4.4B | $12.3B | ||
| Q4 24 | $4.5B | $12.5B | ||
| Q3 24 | $4.4B | $12.7B | ||
| Q2 24 | $4.3B | $12.8B | ||
| Q1 24 | $4.2B | $13.1B |
负债/权益比FCFSSPNT
| Q4 25 | 0.98× | 0.28× | ||
| Q3 25 | 1.01× | 0.31× | ||
| Q2 25 | 0.79× | 0.32× | ||
| Q1 25 | 0.83× | 0.33× | ||
| Q4 24 | 0.85× | 0.33× | ||
| Q3 24 | 0.87× | 0.25× | ||
| Q2 24 | 0.85× | 0.24× | ||
| Q1 24 | 0.75× | 0.30× |
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 | $-26.4M |
| 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× | -0.11× |
| 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FCFSSPNT
| Q4 25 | $206.6M | $-26.4M | ||
| Q3 25 | $135.8M | $155.6M | ||
| Q2 25 | $116.9M | $62.1M | ||
| Q1 25 | $126.6M | $-88.9M | ||
| Q4 24 | $198.1M | $107.7M | ||
| Q3 24 | $113.1M | $58.1M | ||
| Q2 24 | $106.2M | $-149.9M | ||
| Q1 24 | $122.5M | $58.8M |
现金转化率FCFSSPNT
| Q4 25 | 1.98× | -0.11× | ||
| Q3 25 | 1.64× | 1.71× | ||
| Q2 25 | 1.95× | 0.98× | ||
| Q1 25 | 1.51× | -1.44× | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | 6.84× | ||
| Q2 24 | 2.16× | -1.32× | ||
| Q1 24 | 2.00× | 0.62× |
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% |
SPNT
暂无分部数据
