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FirstCash Holdings, Inc.（FCFS）与SouthState Bank Corp（SSB）财务数据对比。点击上方公司名可切换其他公司
SouthState Bank Corp的季度营收约是FirstCash Holdings, Inc.的1.3倍（$661.7M vs $501.3M），SouthState Bank Corp净利率更高（34.1% vs 20.8%，领先13.3%），过去两年SouthState Bank Corp的营收复合增速更高（37.4% 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。
SouthState Bank总部位于美国佛罗里达州温特黑文，是银行控股公司SouthState Corporation旗下的银行子公司。截至2025年5月26日，该行已在南卡罗来纳、北卡罗来纳、佐治亚、佛罗里达、阿拉巴马、弗吉尼亚、科罗拉多、得克萨斯八州设有371家营业网点，为当地客户提供各类银行金融服务。
FCFS vs SSB — 直观对比
营收规模更大
SSB
是对方的1.3倍
$501.3M
净利率更高
SSB
高出13.3%
20.8%
两年增速更快
SSB
近两年复合增速
16.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $661.7M |
| 净利润 | $104.2M | $225.8M |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | 15.1% |
| 净利率 | 20.8% | 34.1% |
| 营收同比 | 21.2% | — |
| 净利润同比 | 24.7% | 153.5% |
| 每股收益（稀释后） | $2.35 | $2.28 |
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FCFSSSB
| Q1 26 | — | $661.7M | ||
| Q4 25 | $501.3M | $581.1M | ||
| Q3 25 | $411.0M | $599.7M | ||
| Q2 25 | $385.1M | $577.9M | ||
| Q1 25 | $371.1M | $544.5M | ||
| Q4 24 | $413.7M | $369.8M | ||
| Q3 24 | $363.1M | $351.5M | ||
| Q2 24 | $363.5M | $350.3M |
净利润FCFSSSB
| Q1 26 | — | $225.8M | ||
| Q4 25 | $104.2M | $247.7M | ||
| Q3 25 | $82.8M | $246.6M | ||
| Q2 25 | $59.8M | $215.2M | ||
| Q1 25 | $83.6M | $89.1M | ||
| Q4 24 | $83.5M | $144.2M | ||
| Q3 24 | $64.8M | $143.2M | ||
| Q2 24 | $49.1M | $132.4M |
营业利润率FCFSSSB
| Q1 26 | — | 15.1% | ||
| Q4 25 | 28.5% | 54.3% | ||
| Q3 25 | 27.4% | 53.6% | ||
| Q2 25 | 21.1% | 48.8% | ||
| Q1 25 | 30.0% | 22.3% | ||
| Q4 24 | 26.5% | 50.7% | ||
| Q3 24 | 23.5% | 53.1% | ||
| Q2 24 | 18.2% | 49.3% |
净利率FCFSSSB
| Q1 26 | — | 34.1% | ||
| Q4 25 | 20.8% | 42.6% | ||
| Q3 25 | 20.1% | 41.1% | ||
| Q2 25 | 15.5% | 37.2% | ||
| Q1 25 | 22.5% | 16.4% | ||
| Q4 24 | 20.2% | 39.0% | ||
| Q3 24 | 17.9% | 40.7% | ||
| Q2 24 | 13.5% | 37.8% |
每股收益（稀释后）FCFSSSB
| Q1 26 | — | $2.28 | ||
| Q4 25 | $2.35 | $2.47 | ||
| Q3 25 | $1.86 | $2.42 | ||
| Q2 25 | $1.34 | $2.11 | ||
| Q1 25 | $1.87 | $0.87 | ||
| Q4 24 | $1.86 | $1.88 | ||
| Q3 24 | $1.44 | $1.86 | ||
| Q2 24 | $1.08 | $1.73 |
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 | $2.9B |
| 总债务越低越好 | $2.2B | — |
| 股东权益账面价值 | $2.3B | $9.0B |
| 总资产 | $5.3B | $68.0B |
| 负债/权益比越低杠杆越低 | 0.98× | — |
8季度趋势，按日历期对齐
现金及短期投资FCFSSSB
| Q1 26 | — | $2.9B | ||
| Q4 25 | $125.2M | — | ||
| Q3 25 | $130.2M | — | ||
| Q2 25 | $101.5M | — | ||
| Q1 25 | $146.0M | — | ||
| Q4 24 | $175.1M | — | ||
| Q3 24 | $106.3M | — | ||
| Q2 24 | $113.7M | — |
总债务FCFSSSB
| Q1 26 | — | — | ||
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | — |
股东权益FCFSSSB
| Q1 26 | — | $9.0B | ||
| Q4 25 | $2.3B | $9.1B | ||
| Q3 25 | $2.2B | $9.0B | ||
| Q2 25 | $2.1B | $8.8B | ||
| Q1 25 | $2.1B | $8.6B | ||
| Q4 24 | $2.1B | $5.9B | ||
| Q3 24 | $2.0B | $5.9B | ||
| Q2 24 | $2.0B | $5.7B |
总资产FCFSSSB
| Q1 26 | — | $68.0B | ||
| Q4 25 | $5.3B | $67.2B | ||
| Q3 25 | $5.2B | $66.0B | ||
| Q2 25 | $4.5B | $65.9B | ||
| Q1 25 | $4.4B | $65.1B | ||
| Q4 24 | $4.5B | $46.4B | ||
| Q3 24 | $4.4B | $46.1B | ||
| Q2 24 | $4.3B | $45.5B |
负债/权益比FCFSSSB
| Q1 26 | — | — | ||
| Q4 25 | 0.98× | — | ||
| Q3 25 | 1.01× | — | ||
| Q2 25 | 0.79× | — | ||
| Q1 25 | 0.83× | — | ||
| Q4 24 | 0.85× | — | ||
| Q3 24 | 0.87× | — | ||
| Q2 24 | 0.85× | — |
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 | — |
| 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FCFSSSB
| Q1 26 | — | — | ||
| Q4 25 | $206.6M | $232.1M | ||
| Q3 25 | $135.8M | $122.4M | ||
| Q2 25 | $116.9M | $72.6M | ||
| Q1 25 | $126.6M | $-126.3M | ||
| Q4 24 | $198.1M | $354.3M | ||
| Q3 24 | $113.1M | $-246.8M | ||
| Q2 24 | $106.2M | $126.8M |
自由现金流FCFSSSB
| Q1 26 | — | — | ||
| Q4 25 | — | $215.5M | ||
| Q3 25 | — | $101.7M | ||
| Q2 25 | — | $52.5M | ||
| Q1 25 | — | $-139.1M | ||
| Q4 24 | — | $340.9M | ||
| Q3 24 | — | $-254.2M | ||
| Q2 24 | — | $117.3M |
自由现金流率FCFSSSB
| Q1 26 | — | — | ||
| Q4 25 | — | 37.1% | ||
| Q3 25 | — | 17.0% | ||
| Q2 25 | — | 9.1% | ||
| Q1 25 | — | -25.5% | ||
| Q4 24 | — | 92.2% | ||
| Q3 24 | — | -72.3% | ||
| Q2 24 | — | 33.5% |
资本支出强度FCFSSSB
| Q1 26 | — | — | ||
| Q4 25 | — | 2.9% | ||
| Q3 25 | — | 3.5% | ||
| Q2 25 | — | 3.5% | ||
| Q1 25 | — | 2.4% | ||
| Q4 24 | — | 3.6% | ||
| Q3 24 | — | 2.1% | ||
| Q2 24 | — | 2.7% |
现金转化率FCFSSSB
| Q1 26 | — | — | ||
| Q4 25 | 1.98× | 0.94× | ||
| Q3 25 | 1.64× | 0.50× | ||
| Q2 25 | 1.95× | 0.34× | ||
| Q1 25 | 1.51× | -1.42× | ||
| Q4 24 | 2.37× | 2.46× | ||
| Q3 24 | 1.74× | -1.72× | ||
| Q2 24 | 2.16× | 0.96× |
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% |
SSB
| Net Interest Income | $561.6M | 85% |
| Noninterest Income | $100.1M | 15% |
