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FirstCash Holdings, Inc.（FCFS）与SSR MINING INC.（SSRM）财务数据对比。点击上方公司名可切换其他公司
SSR MINING INC.的季度营收约是FirstCash Holdings, Inc.的1.0倍（$521.7M vs $501.3M），SSR MINING INC.净利率更高（34.8% vs 20.8%，领先14.0%），SSR MINING INC.同比增速更快（61.4% vs 21.2%），过去两年SSR MINING INC.的营收复合增速更高（50.5% 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。
SSR Mining Inc.（前身为白银标准资源公司）总部位于美国科罗拉多州丹佛，主营金、银、铜、铅、锌矿产开采，拥有阿根廷最大的银矿，同时在美洲全境及土耳其开展矿产勘探业务。2020年与阿拉瑟黄金合并后迁至丹佛，现任总裁兼首席执行官为罗德尼·P·安塔尔。
FCFS vs SSRM — 直观对比
营收规模更大
SSRM
是对方的1.0倍
$501.3M
营收增速更快
SSRM
高出40.3%
21.2%
净利率更高
SSRM
高出14.0%
20.8%
两年增速更快
SSRM
近两年复合增速
16.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $521.7M |
| 净利润 | $104.2M | $181.5M |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | 38.8% |
| 净利率 | 20.8% | 34.8% |
| 营收同比 | 21.2% | 61.4% |
| 净利润同比 | 24.7% | 3166.6% |
| 每股收益（稀释后） | $2.35 | $0.84 |
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FCFSSSRM
| Q4 25 | $501.3M | $521.7M | ||
| Q3 25 | $411.0M | $385.8M | ||
| Q2 25 | $385.1M | $405.5M | ||
| Q1 25 | $371.1M | $316.6M | ||
| Q4 24 | $413.7M | $323.2M | ||
| Q3 24 | $363.1M | $257.4M | ||
| Q2 24 | $363.5M | $184.8M | ||
| Q1 24 | $366.8M | $230.2M |
净利润FCFSSSRM
| Q4 25 | $104.2M | $181.5M | ||
| Q3 25 | $82.8M | $65.4M | ||
| Q2 25 | $59.8M | $90.1M | ||
| Q1 25 | $83.6M | $58.8M | ||
| Q4 24 | $83.5M | $5.6M | ||
| Q3 24 | $64.8M | $10.6M | ||
| Q2 24 | $49.1M | $9.7M | ||
| Q1 24 | $61.4M | $-287.1M |
营业利润率FCFSSSRM
| Q4 25 | 28.5% | 38.8% | ||
| Q3 25 | 27.4% | 21.6% | ||
| Q2 25 | 21.1% | 26.9% | ||
| Q1 25 | 30.0% | 21.1% | ||
| Q4 24 | 26.5% | 10.6% | ||
| Q3 24 | 23.5% | 3.5% | ||
| Q2 24 | 18.2% | 5.8% | ||
| Q1 24 | 22.3% | -163.5% |
净利率FCFSSSRM
| Q4 25 | 20.8% | 34.8% | ||
| Q3 25 | 20.1% | 17.0% | ||
| Q2 25 | 15.5% | 22.2% | ||
| Q1 25 | 22.5% | 18.6% | ||
| Q4 24 | 20.2% | 1.7% | ||
| Q3 24 | 17.9% | 4.1% | ||
| Q2 24 | 13.5% | 5.2% | ||
| Q1 24 | 16.7% | -124.7% |
每股收益（稀释后）FCFSSSRM
| Q4 25 | $2.35 | $0.84 | ||
| Q3 25 | $1.86 | $0.31 | ||
| Q2 25 | $1.34 | $0.42 | ||
| Q1 25 | $1.87 | $0.28 | ||
| Q4 24 | $1.86 | $0.03 | ||
| Q3 24 | $1.44 | $0.05 | ||
| Q2 24 | $1.08 | $0.05 | ||
| Q1 24 | $1.35 | $-1.42 |
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 | $575.6M |
| 总债务越低越好 | $2.2B | — |
| 股东权益账面价值 | $2.3B | $3.5B |
| 总资产 | $5.3B | $6.1B |
| 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FCFSSSRM
| Q4 25 | $125.2M | $575.6M | ||
| Q3 25 | $130.2M | $445.4M | ||
| Q2 25 | $101.5M | $438.5M | ||
| Q1 25 | $146.0M | $341.3M | ||
| Q4 24 | $175.1M | $417.3M | ||
| Q3 24 | $106.3M | $365.8M | ||
| Q2 24 | $113.7M | $384.4M | ||
| Q1 24 | $135.1M | $492.0M |
总债务FCFSSSRM
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | $228.6M | ||
| Q3 24 | $1.7B | $228.3M | ||
| Q2 24 | $1.7B | $228.0M | ||
| Q1 24 | $1.5B | $228.7M |
股东权益FCFSSSRM
| Q4 25 | $2.3B | $3.5B | ||
| Q3 25 | $2.2B | $3.3B | ||
| Q2 25 | $2.1B | $3.3B | ||
| Q1 25 | $2.1B | $3.2B | ||
| Q4 24 | $2.1B | $3.1B | ||
| Q3 24 | $2.0B | $3.1B | ||
| Q2 24 | $2.0B | $3.1B | ||
| Q1 24 | $2.0B | $3.1B |
总资产FCFSSSRM
| Q4 25 | $5.3B | $6.1B | ||
| Q3 25 | $5.2B | $5.9B | ||
| Q2 25 | $4.5B | $5.8B | ||
| Q1 25 | $4.4B | $5.6B | ||
| Q4 24 | $4.5B | $5.2B | ||
| Q3 24 | $4.4B | $5.1B | ||
| Q2 24 | $4.3B | $5.2B | ||
| Q1 24 | $4.2B | $5.3B |
负债/权益比FCFSSSRM
| Q4 25 | 0.98× | — | ||
| Q3 25 | 1.01× | — | ||
| Q2 25 | 0.79× | — | ||
| Q1 25 | 0.83× | — | ||
| Q4 24 | 0.85× | 0.07× | ||
| Q3 24 | 0.87× | 0.07× | ||
| Q2 24 | 0.85× | 0.07× | ||
| Q1 24 | 0.75× | 0.07× |
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 | $172.1M |
| 自由现金流经营现金流 - 资本支出 | — | $106.4M |
| 自由现金流率自由现金流/营收 | — | 20.4% |
| 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× | 0.95× |
| 过去12个月自由现金流最近4个季度 | — | $241.6M |
8季度趋势，按日历期对齐
经营现金流FCFSSSRM
| Q4 25 | $206.6M | $172.1M | ||
| Q3 25 | $135.8M | $57.2M | ||
| Q2 25 | $116.9M | $157.8M | ||
| Q1 25 | $126.6M | $84.8M | ||
| Q4 24 | $198.1M | $95.0M | ||
| Q3 24 | $113.1M | $-1.3M | ||
| Q2 24 | $106.2M | $-78.1M | ||
| Q1 24 | $122.5M | $24.6M |
自由现金流FCFSSSRM
| Q4 25 | — | $106.4M | ||
| Q3 25 | — | $-2.4M | ||
| Q2 25 | — | $98.4M | ||
| Q1 25 | — | $39.3M | ||
| Q4 24 | — | $56.4M | ||
| Q3 24 | — | $-34.1M | ||
| Q2 24 | — | $-116.3M | ||
| Q1 24 | — | $-9.4M |
自由现金流率FCFSSSRM
| Q4 25 | — | 20.4% | ||
| Q3 25 | — | -0.6% | ||
| Q2 25 | — | 24.3% | ||
| Q1 25 | — | 12.4% | ||
| Q4 24 | — | 17.5% | ||
| Q3 24 | — | -13.2% | ||
| Q2 24 | — | -62.9% | ||
| Q1 24 | — | -4.1% |
资本支出强度FCFSSSRM
| Q4 25 | — | 12.6% | ||
| Q3 25 | — | 15.4% | ||
| Q2 25 | — | 14.7% | ||
| Q1 25 | — | 14.4% | ||
| Q4 24 | — | 11.9% | ||
| Q3 24 | — | 12.7% | ||
| Q2 24 | — | 20.7% | ||
| Q1 24 | — | 14.8% |
现金转化率FCFSSSRM
| Q4 25 | 1.98× | 0.95× | ||
| Q3 25 | 1.64× | 0.87× | ||
| Q2 25 | 1.95× | 1.75× | ||
| Q1 25 | 1.51× | 1.44× | ||
| Q4 24 | 2.37× | 17.10× | ||
| Q3 24 | 1.74× | -0.13× | ||
| Q2 24 | 2.16× | -8.06× | ||
| Q1 24 | 2.00× | — |
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% |
SSRM
| Gold | $369.3M | 71% |
| Concentrate Sales | $124.4M | 24% |
| Other | $19.1M | 4% |
| Lead | $9.0M | 2% |
