vs
FirstCash Holdings, Inc.（FCFS）与VERRA MOBILITY Corp（VRRM）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VERRA MOBILITY Corp的1.9倍（$501.3M vs $257.9M），FirstCash Holdings, Inc.净利率更高（20.8% vs 7.3%，领先13.5%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 16.4%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 10.9%）
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。
Verra Mobility Corp是全球领先的智慧出行技术解决方案提供商，业务涵盖收费管理、停车与交通合规执法、车联网服务及车队管理工具，服务对象包括政府交通部门、租车运营商、商业车队所有者及汽车行业合作伙伴，覆盖北美、欧洲及亚太市场。
FCFS vs VRRM — 直观对比
营收规模更大
FCFS
是对方的1.9倍
$257.9M
营收增速更快
FCFS
高出4.8%
16.4%
净利率更高
FCFS
高出13.5%
7.3%
两年增速更快
FCFS
近两年复合增速
10.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $257.9M |
| 净利润 | $104.2M | $18.9M |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | 16.7% |
| 净利率 | 20.8% | 7.3% |
| 营收同比 | 21.2% | 16.4% |
| 净利润同比 | 24.7% | 128.3% |
| 每股收益（稀释后） | $2.35 | $0.12 |
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FCFSVRRM
| Q4 25 | $501.3M | $257.9M | ||
| Q3 25 | $411.0M | $261.9M | ||
| Q2 25 | $385.1M | $236.0M | ||
| Q1 25 | $371.1M | $223.3M | ||
| Q4 24 | $413.7M | $221.5M | ||
| Q3 24 | $363.1M | $225.6M | ||
| Q2 24 | $363.5M | $222.4M | ||
| Q1 24 | $366.8M | $209.7M |
净利润FCFSVRRM
| Q4 25 | $104.2M | $18.9M | ||
| Q3 25 | $82.8M | $46.8M | ||
| Q2 25 | $59.8M | $38.6M | ||
| Q1 25 | $83.6M | $32.3M | ||
| Q4 24 | $83.5M | $-66.7M | ||
| Q3 24 | $64.8M | $34.7M | ||
| Q2 24 | $49.1M | $34.2M | ||
| Q1 24 | $61.4M | $29.1M |
营业利润率FCFSVRRM
| Q4 25 | 28.5% | 16.7% | ||
| Q3 25 | 27.4% | 28.6% | ||
| Q2 25 | 21.1% | 26.8% | ||
| Q1 25 | 30.0% | 25.7% | ||
| Q4 24 | 26.5% | -19.6% | ||
| Q3 24 | 23.5% | 28.3% | ||
| Q2 24 | 18.2% | 27.5% | ||
| Q1 24 | 22.3% | 25.9% |
净利率FCFSVRRM
| Q4 25 | 20.8% | 7.3% | ||
| Q3 25 | 20.1% | 17.9% | ||
| Q2 25 | 15.5% | 16.3% | ||
| Q1 25 | 22.5% | 14.5% | ||
| Q4 24 | 20.2% | -30.1% | ||
| Q3 24 | 17.9% | 15.4% | ||
| Q2 24 | 13.5% | 15.4% | ||
| Q1 24 | 16.7% | 13.9% |
每股收益（稀释后）FCFSVRRM
| Q4 25 | $2.35 | $0.12 | ||
| Q3 25 | $1.86 | $0.29 | ||
| Q2 25 | $1.34 | $0.24 | ||
| Q1 25 | $1.87 | $0.20 | ||
| Q4 24 | $1.86 | $-0.39 | ||
| Q3 24 | $1.44 | $0.21 | ||
| Q2 24 | $1.08 | $0.20 | ||
| Q1 24 | $1.35 | $0.17 |
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 | $65.3M |
| 总债务越低越好 | $2.2B | $1.0B |
| 股东权益账面价值 | $2.3B | $293.0M |
| 总资产 | $5.3B | $1.6B |
| 负债/权益比越低杠杆越低 | 0.98× | 3.51× |
8季度趋势，按日历期对齐
现金及短期投资FCFSVRRM
| Q4 25 | $125.2M | $65.3M | ||
| Q3 25 | $130.2M | $196.1M | ||
| Q2 25 | $101.5M | $147.7M | ||
| Q1 25 | $146.0M | $108.5M | ||
| Q4 24 | $175.1M | $77.6M | ||
| Q3 24 | $106.3M | $206.1M | ||
| Q2 24 | $113.7M | $122.0M | ||
| Q1 24 | $135.1M | $149.5M |
总债务FCFSVRRM
| Q4 25 | $2.2B | $1.0B | ||
| Q3 25 | $2.2B | $1.0B | ||
| Q2 25 | $1.7B | $1.0B | ||
| Q1 25 | $1.7B | $1.0B | ||
| Q4 24 | $1.7B | $1.0B | ||
| Q3 24 | $1.7B | $1.0B | ||
| Q2 24 | $1.7B | $1.0B | ||
| Q1 24 | $1.5B | $1.0B |
股东权益FCFSVRRM
| Q4 25 | $2.3B | $293.0M | ||
| Q3 25 | $2.2B | $403.1M | ||
| Q2 25 | $2.1B | $352.1M | ||
| Q1 25 | $2.1B | $299.6M | ||
| Q4 24 | $2.1B | $265.1M | ||
| Q3 24 | $2.0B | $486.5M | ||
| Q2 24 | $2.0B | $438.6M | ||
| Q1 24 | $2.0B | $449.0M |
总资产FCFSVRRM
| Q4 25 | $5.3B | $1.6B | ||
| Q3 25 | $5.2B | $1.8B | ||
| Q2 25 | $4.5B | $1.7B | ||
| Q1 25 | $4.4B | $1.6B | ||
| Q4 24 | $4.5B | $1.6B | ||
| Q3 24 | $4.4B | $1.9B | ||
| Q2 24 | $4.3B | $1.8B | ||
| Q1 24 | $4.2B | $1.8B |
负债/权益比FCFSVRRM
| Q4 25 | 0.98× | 3.51× | ||
| Q3 25 | 1.01× | 2.55× | ||
| Q2 25 | 0.79× | 2.93× | ||
| Q1 25 | 0.83× | 3.45× | ||
| Q4 24 | 0.85× | 3.90× | ||
| Q3 24 | 0.87× | 2.13× | ||
| Q2 24 | 0.85× | 2.36× | ||
| Q1 24 | 0.75× | 2.31× |
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 | $40.0M |
| 自由现金流经营现金流 - 资本支出 | — | $5.7M |
| 自由现金流率自由现金流/营收 | — | 2.2% |
| 资本支出强度资本支出/营收 | — | 13.3% |
| 现金转化率经营现金流/净利润 | 1.98× | 2.12× |
| 过去12个月自由现金流最近4个季度 | — | $136.7M |
8季度趋势，按日历期对齐
经营现金流FCFSVRRM
| Q4 25 | $206.6M | $40.0M | ||
| Q3 25 | $135.8M | $77.7M | ||
| Q2 25 | $116.9M | $75.1M | ||
| Q1 25 | $126.6M | $63.0M | ||
| Q4 24 | $198.1M | $40.5M | ||
| Q3 24 | $113.1M | $108.8M | ||
| Q2 24 | $106.2M | $40.0M | ||
| Q1 24 | $122.5M | $34.3M |
自由现金流FCFSVRRM
| Q4 25 | — | $5.7M | ||
| Q3 25 | — | $49.0M | ||
| Q2 25 | — | $40.3M | ||
| Q1 25 | — | $41.7M | ||
| Q4 24 | — | $21.6M | ||
| Q3 24 | — | $85.1M | ||
| Q2 24 | — | $26.0M | ||
| Q1 24 | — | $20.1M |
自由现金流率FCFSVRRM
| Q4 25 | — | 2.2% | ||
| Q3 25 | — | 18.7% | ||
| Q2 25 | — | 17.1% | ||
| Q1 25 | — | 18.7% | ||
| Q4 24 | — | 9.8% | ||
| Q3 24 | — | 37.7% | ||
| Q2 24 | — | 11.7% | ||
| Q1 24 | — | 9.6% |
资本支出强度FCFSVRRM
| Q4 25 | — | 13.3% | ||
| Q3 25 | — | 11.0% | ||
| Q2 25 | — | 14.8% | ||
| Q1 25 | — | 9.5% | ||
| Q4 24 | — | 8.5% | ||
| Q3 24 | — | 10.5% | ||
| Q2 24 | — | 6.3% | ||
| Q1 24 | — | 6.8% |
现金转化率FCFSVRRM
| Q4 25 | 1.98× | 2.12× | ||
| Q3 25 | 1.64× | 1.66× | ||
| Q2 25 | 1.95× | 1.95× | ||
| Q1 25 | 1.51× | 1.95× | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | 3.13× | ||
| Q2 24 | 2.16× | 1.17× | ||
| Q1 24 | 2.00× | 1.18× |
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% |
VRRM
| Services | $239.5M | 93% |
| CA | $8.4M | 3% |
| GB | $5.7M | 2% |
| Other Customer | $1.6M | 1% |
| Parking Solutions | $1.1M | 0% |
