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FirstCash Holdings, Inc.（FCFS）与TERADATA CORP（TDC）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TERADATA CORP的1.2倍（$501.3M vs $421.0M），FirstCash Holdings, Inc.净利率更高（20.8% vs 8.8%，领先12.0%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 2.9%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs -4.8%）
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。
Teradata是全球知名的企业级软件与数据分析服务商，提供云原生数据平台、高级分析工具及专业咨询服务，服务金融、零售、电信、医疗等行业的大型企业客户，助力客户整合海量数据，实现数据驱动的业务决策。
FCFS vs TDC — 直观对比
营收规模更大
FCFS
是对方的1.2倍
$421.0M
营收增速更快
FCFS
高出18.2%
2.9%
净利率更高
FCFS
高出12.0%
8.8%
两年增速更快
FCFS
近两年复合增速
-4.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $421.0M |
| 净利润 | $104.2M | $37.0M |
| 毛利率 | — | 60.8% |
| 营业利润率 | 28.5% | 12.8% |
| 净利率 | 20.8% | 8.8% |
| 营收同比 | 21.2% | 2.9% |
| 净利润同比 | 24.7% | 48.0% |
| 每股收益（稀释后） | $2.35 | $0.39 |
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FCFSTDC
| Q4 25 | $501.3M | $421.0M | ||
| Q3 25 | $411.0M | $416.0M | ||
| Q2 25 | $385.1M | $408.0M | ||
| Q1 25 | $371.1M | $418.0M | ||
| Q4 24 | $413.7M | $409.0M | ||
| Q3 24 | $363.1M | $440.0M | ||
| Q2 24 | $363.5M | $436.0M | ||
| Q1 24 | $366.8M | $465.0M |
净利润FCFSTDC
| Q4 25 | $104.2M | $37.0M | ||
| Q3 25 | $82.8M | $40.0M | ||
| Q2 25 | $59.8M | $9.0M | ||
| Q1 25 | $83.6M | $44.0M | ||
| Q4 24 | $83.5M | $25.0M | ||
| Q3 24 | $64.8M | $32.0M | ||
| Q2 24 | $49.1M | $37.0M | ||
| Q1 24 | $61.4M | $20.0M |
毛利率FCFSTDC
| Q4 25 | — | 60.8% | ||
| Q3 25 | — | 60.8% | ||
| Q2 25 | — | 56.4% | ||
| Q1 25 | — | 59.3% | ||
| Q4 24 | — | 59.4% | ||
| Q3 24 | — | 60.5% | ||
| Q2 24 | — | 60.8% | ||
| Q1 24 | — | 61.1% |
营业利润率FCFSTDC
| Q4 25 | 28.5% | 12.8% | ||
| Q3 25 | 27.4% | 14.7% | ||
| Q2 25 | 21.1% | 5.9% | ||
| Q1 25 | 30.0% | 15.8% | ||
| Q4 24 | 26.5% | 9.5% | ||
| Q3 24 | 23.5% | 12.7% | ||
| Q2 24 | 18.2% | 15.1% | ||
| Q1 24 | 22.3% | 10.3% |
净利率FCFSTDC
| Q4 25 | 20.8% | 8.8% | ||
| Q3 25 | 20.1% | 9.6% | ||
| Q2 25 | 15.5% | 2.2% | ||
| Q1 25 | 22.5% | 10.5% | ||
| Q4 24 | 20.2% | 6.1% | ||
| Q3 24 | 17.9% | 7.3% | ||
| Q2 24 | 13.5% | 8.5% | ||
| Q1 24 | 16.7% | 4.3% |
每股收益（稀释后）FCFSTDC
| Q4 25 | $2.35 | $0.39 | ||
| Q3 25 | $1.86 | $0.42 | ||
| Q2 25 | $1.34 | $0.09 | ||
| Q1 25 | $1.87 | $0.45 | ||
| Q4 24 | $1.86 | $0.25 | ||
| Q3 24 | $1.44 | $0.33 | ||
| Q2 24 | $1.08 | $0.38 | ||
| Q1 24 | $1.35 | $0.20 |
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 | $493.0M |
| 总债务越低越好 | $2.2B | — |
| 股东权益账面价值 | $2.3B | $230.0M |
| 总资产 | $5.3B | $1.8B |
| 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FCFSTDC
| Q4 25 | $125.2M | $493.0M | ||
| Q3 25 | $130.2M | $406.0M | ||
| Q2 25 | $101.5M | $369.0M | ||
| Q1 25 | $146.0M | $368.0M | ||
| Q4 24 | $175.1M | $420.0M | ||
| Q3 24 | $106.3M | $348.0M | ||
| Q2 24 | $113.7M | $301.0M | ||
| Q1 24 | $135.1M | $337.0M |
总债务FCFSTDC
| 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 | — | ||
| Q1 24 | $1.5B | — |
股东权益FCFSTDC
| Q4 25 | $2.3B | $230.0M | ||
| Q3 25 | $2.2B | $219.0M | ||
| Q2 25 | $2.1B | $176.0M | ||
| Q1 25 | $2.1B | $158.0M | ||
| Q4 24 | $2.1B | $133.0M | ||
| Q3 24 | $2.0B | $125.0M | ||
| Q2 24 | $2.0B | $75.0M | ||
| Q1 24 | $2.0B | $54.0M |
总资产FCFSTDC
| Q4 25 | $5.3B | $1.8B | ||
| Q3 25 | $5.2B | $1.8B | ||
| Q2 25 | $4.5B | $1.7B | ||
| Q1 25 | $4.4B | $1.8B | ||
| Q4 24 | $4.5B | $1.7B | ||
| Q3 24 | $4.4B | $1.7B | ||
| Q2 24 | $4.3B | $1.6B | ||
| Q1 24 | $4.2B | $1.7B |
负债/权益比FCFSTDC
| 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× | — | ||
| 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 | $160.0M |
| 自由现金流经营现金流 - 资本支出 | — | $151.0M |
| 自由现金流率自由现金流/营收 | — | 35.9% |
| 资本支出强度资本支出/营收 | — | 2.1% |
| 现金转化率经营现金流/净利润 | 1.98× | 4.32× |
| 过去12个月自由现金流最近4个季度 | — | $286.0M |
8季度趋势，按日历期对齐
经营现金流FCFSTDC
| Q4 25 | $206.6M | $160.0M | ||
| Q3 25 | $135.8M | $94.0M | ||
| Q2 25 | $116.9M | $43.0M | ||
| Q1 25 | $126.6M | $8.0M | ||
| Q4 24 | $198.1M | $156.0M | ||
| Q3 24 | $113.1M | $77.0M | ||
| Q2 24 | $106.2M | $43.0M | ||
| Q1 24 | $122.5M | $27.0M |
自由现金流FCFSTDC
| Q4 25 | — | $151.0M | ||
| Q3 25 | — | $89.0M | ||
| Q2 25 | — | $39.0M | ||
| Q1 25 | — | $7.0M | ||
| Q4 24 | — | $149.0M | ||
| Q3 24 | — | $69.0M | ||
| Q2 24 | — | $40.0M | ||
| Q1 24 | — | $21.0M |
自由现金流率FCFSTDC
| Q4 25 | — | 35.9% | ||
| Q3 25 | — | 21.4% | ||
| Q2 25 | — | 9.6% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 36.4% | ||
| Q3 24 | — | 15.7% | ||
| Q2 24 | — | 9.2% | ||
| Q1 24 | — | 4.5% |
资本支出强度FCFSTDC
| Q4 25 | — | 2.1% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 1.7% | ||
| Q3 24 | — | 1.8% | ||
| Q2 24 | — | 0.7% | ||
| Q1 24 | — | 1.3% |
现金转化率FCFSTDC
| Q4 25 | 1.98× | 4.32× | ||
| Q3 25 | 1.64× | 2.35× | ||
| Q2 25 | 1.95× | 4.78× | ||
| Q1 25 | 1.51× | 0.18× | ||
| Q4 24 | 2.37× | 6.24× | ||
| Q3 24 | 1.74× | 2.41× | ||
| Q2 24 | 2.16× | 1.16× | ||
| Q1 24 | 2.00× | 1.35× |
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% |
TDC
| Services And Other Recurring | $302.0M | 72% |
| Subscription Software License Recurring | $65.0M | 15% |
| Consulting Services Segment | $53.0M | 13% |
| Software And Hardware Perpetual | $1.0M | 0% |
