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FirstCash Holdings, Inc.（FCFS）与Savers Value Village, Inc.（SVV）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Savers Value Village, Inc.的1.2倍（$501.3M vs $426.9M）。FirstCash Holdings, Inc.净利率更高（20.8% vs -3.3%，领先24.1%）。FirstCash Holdings, Inc.同比增速更快（21.2% vs 8.1%）。过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 4.3%）
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。
Savers Value Village是美国中西部的折扣百货连锁品牌，由原伍尔沃斯公司的亨利·霍尼创立，1961年开业，运营至1989年，业务覆盖威斯康星州、伊利诺伊州两地。霍尼同时经营房地产业务，常于折扣店旁配套建设小型购物中心。
FCFS vs SVV — 直观对比
营收规模更大
FCFS
是对方的1.2倍
$426.9M
营收增速更快
FCFS
高出13.0%
8.1%
净利率更高
FCFS
高出24.1%
-3.3%
两年增速更快
FCFS
近两年复合增速
4.3%
损益表 — Q4 2025 vs Q3 2026
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $426.9M |
| 净利润 | $104.2M | $-14.0M |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | 8.5% |
| 净利率 | 20.8% | -3.3% |
| 营收同比 | 21.2% | 8.1% |
| 净利润同比 | 24.7% | -164.6% |
| 每股收益（稀释后） | $2.35 | $-0.09 |
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FCFSSVV
| Q4 25 | $501.3M | — | ||
| Q3 25 | $411.0M | $426.9M | ||
| Q2 25 | $385.1M | $417.2M | ||
| Q1 25 | $371.1M | $370.1M | ||
| Q4 24 | $413.7M | $402.0M | ||
| Q3 24 | $363.1M | $394.8M | ||
| Q2 24 | $363.5M | $386.7M | ||
| Q1 24 | $366.8M | $354.2M |
净利润FCFSSVV
| Q4 25 | $104.2M | — | ||
| Q3 25 | $82.8M | $-14.0M | ||
| Q2 25 | $59.8M | $18.9M | ||
| Q1 25 | $83.6M | $-4.7M | ||
| Q4 24 | $83.5M | $-1.9M | ||
| Q3 24 | $64.8M | $21.7M | ||
| Q2 24 | $49.1M | $9.7M | ||
| Q1 24 | $61.4M | $-467.0K |
毛利率FCFSSVV
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 25.6% | ||
| Q2 24 | — | 26.6% | ||
| Q1 24 | — | 24.2% |
营业利润率FCFSSVV
| Q4 25 | 28.5% | — | ||
| Q3 25 | 27.4% | 8.5% | ||
| Q2 25 | 21.1% | 8.2% | ||
| Q1 25 | 30.0% | 2.8% | ||
| Q4 24 | 26.5% | 8.2% | ||
| Q3 24 | 23.5% | 12.3% | ||
| Q2 24 | 18.2% | 8.3% | ||
| Q1 24 | 22.3% | 4.6% |
净利率FCFSSVV
| Q4 25 | 20.8% | — | ||
| Q3 25 | 20.1% | -3.3% | ||
| Q2 25 | 15.5% | 4.5% | ||
| Q1 25 | 22.5% | -1.3% | ||
| Q4 24 | 20.2% | -0.5% | ||
| Q3 24 | 17.9% | 5.5% | ||
| Q2 24 | 13.5% | 2.5% | ||
| Q1 24 | 16.7% | -0.1% |
每股收益（稀释后）FCFSSVV
| Q4 25 | $2.35 | — | ||
| Q3 25 | $1.86 | $-0.09 | ||
| Q2 25 | $1.34 | $0.12 | ||
| Q1 25 | $1.87 | $-0.03 | ||
| Q4 24 | $1.86 | $-0.02 | ||
| Q3 24 | $1.44 | $0.13 | ||
| Q2 24 | $1.08 | $0.06 | ||
| Q1 24 | $1.35 | $0.00 |
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 | $63.5M |
| 总债务越低越好 | $2.2B | $750.0M |
| 股东权益账面价值 | $2.3B | $414.6M |
| 总资产 | $5.3B | $2.0B |
| 负债/权益比越低杠杆越低 | 0.98× | 1.81× |
8季度趋势，按日历期对齐
现金及短期投资FCFSSVV
| Q4 25 | $125.2M | — | ||
| Q3 25 | $130.2M | $63.5M | ||
| Q2 25 | $101.5M | $70.5M | ||
| Q1 25 | $146.0M | $73.0M | ||
| Q4 24 | $175.1M | $150.0M | ||
| Q3 24 | $106.3M | $137.7M | ||
| Q2 24 | $113.7M | $160.7M | ||
| Q1 24 | $135.1M | $102.2M |
总债务FCFSSVV
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.2B | $750.0M | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.5B | — |
股东权益FCFSSVV
| Q4 25 | $2.3B | — | ||
| Q3 25 | $2.2B | $414.6M | ||
| Q2 25 | $2.1B | $423.5M | ||
| Q1 25 | $2.1B | $413.8M | ||
| Q4 24 | $2.1B | $421.7M | ||
| Q3 24 | $2.0B | $432.9M | ||
| Q2 24 | $2.0B | $419.5M | ||
| Q1 24 | $2.0B | $395.0M |
总资产FCFSSVV
| Q4 25 | $5.3B | — | ||
| Q3 25 | $5.2B | $2.0B | ||
| Q2 25 | $4.5B | $1.9B | ||
| Q1 25 | $4.4B | $1.9B | ||
| Q4 24 | $4.5B | $1.9B | ||
| Q3 24 | $4.4B | $1.9B | ||
| Q2 24 | $4.3B | $1.9B | ||
| Q1 24 | $4.2B | $1.8B |
负债/权益比FCFSSVV
| Q4 25 | 0.98× | — | ||
| Q3 25 | 1.01× | 1.81× | ||
| Q2 25 | 0.79× | — | ||
| Q1 25 | 0.83× | — | ||
| Q4 24 | 0.85× | — | ||
| Q3 24 | 0.87× | — | ||
| Q2 24 | 0.85× | — | ||
| Q1 24 | 0.75× | — |
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 | $21.6M |
| 自由现金流经营现金流 - 资本支出 | — | $-6.3M |
| 自由现金流率自由现金流/营收 | — | -1.5% |
| 资本支出强度资本支出/营收 | — | 6.5% |
| 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 | — | $25.5M |
8季度趋势，按日历期对齐
经营现金流FCFSSVV
| Q4 25 | $206.6M | — | ||
| Q3 25 | $135.8M | $21.6M | ||
| Q2 25 | $116.9M | $54.4M | ||
| Q1 25 | $126.6M | $419.0K | ||
| Q4 24 | $198.1M | $55.8M | ||
| Q3 24 | $113.1M | $23.9M | ||
| Q2 24 | $106.2M | $60.4M | ||
| Q1 24 | $122.5M | $-5.8M |
自由现金流FCFSSVV
| Q4 25 | — | — | ||
| Q3 25 | — | $-6.3M | ||
| Q2 25 | — | $21.9M | ||
| Q1 25 | — | $-20.2M | ||
| Q4 24 | — | $30.1M | ||
| Q3 24 | — | $-3.0M | ||
| Q2 24 | — | $29.6M | ||
| Q1 24 | — | $-28.3M |
自由现金流率FCFSSVV
| Q4 25 | — | — | ||
| Q3 25 | — | -1.5% | ||
| Q2 25 | — | 5.2% | ||
| Q1 25 | — | -5.4% | ||
| Q4 24 | — | 7.5% | ||
| Q3 24 | — | -0.8% | ||
| Q2 24 | — | 7.6% | ||
| Q1 24 | — | -8.0% |
资本支出强度FCFSSVV
| Q4 25 | — | — | ||
| Q3 25 | — | 6.5% | ||
| Q2 25 | — | 7.8% | ||
| Q1 25 | — | 5.6% | ||
| Q4 24 | — | 6.4% | ||
| Q3 24 | — | 6.8% | ||
| Q2 24 | — | 8.0% | ||
| Q1 24 | — | 6.4% |
现金转化率FCFSSVV
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | — | ||
| Q2 25 | 1.95× | 2.88× | ||
| Q1 25 | 1.51× | — | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | 1.10× | ||
| Q2 24 | 2.16× | 6.22× | ||
| 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% |
SVV
| Sales Channel Directly To Consumer | $408.3M | 96% |
| Sales Channel Through Intermediary | $18.6M | 4% |
