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FirstCash Holdings, Inc.（FCFS）与WESBANCO INC（WSBC）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WESBANCO INC的1.9倍（$501.3M vs $257.2M），WESBANCO INC净利率更高（34.5% vs 20.8%，领先13.7%），过去两年WESBANCO INC的营收复合增速更高（31.9% 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。
WesBanco是一家总部位于美国西弗吉尼亚州惠灵的银行控股公司，业务覆盖广泛，目前在西弗吉尼亚州、俄亥俄州、宾夕法尼亚州西部、肯塔基州、马里兰州及印第安纳州南部拥有超过200家营业网点，为当地客户提供多元金融服务。
FCFS vs WSBC — 直观对比
营收规模更大
FCFS
是对方的1.9倍
$257.2M
净利率更高
WSBC
高出13.7%
20.8%
两年增速更快
WSBC
近两年复合增速
16.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $257.2M |
| 净利润 | $104.2M | $88.6M |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | — |
| 净利率 | 20.8% | 34.5% |
| 营收同比 | 21.2% | — |
| 净利润同比 | 24.7% | 54.4% |
| 每股收益（稀释后） | $2.35 | $0.88 |
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FCFSWSBC
| Q1 26 | — | $257.2M | ||
| Q4 25 | $501.3M | $265.6M | ||
| Q3 25 | $411.0M | $261.6M | ||
| Q2 25 | $385.1M | $260.7M | ||
| Q1 25 | $371.1M | $193.2M | ||
| Q4 24 | $413.7M | $162.9M | ||
| Q3 24 | $363.1M | $150.8M | ||
| Q2 24 | $363.5M | $147.9M |
净利润FCFSWSBC
| Q1 26 | — | $88.6M | ||
| Q4 25 | $104.2M | $91.1M | ||
| Q3 25 | $82.8M | $83.6M | ||
| Q2 25 | $59.8M | $57.4M | ||
| Q1 25 | $83.6M | $-9.0M | ||
| Q4 24 | $83.5M | $49.6M | ||
| Q3 24 | $64.8M | $37.3M | ||
| Q2 24 | $49.1M | $28.9M |
营业利润率FCFSWSBC
| Q1 26 | — | — | ||
| Q4 25 | 28.5% | 43.2% | ||
| Q3 25 | 27.4% | 39.5% | ||
| Q2 25 | 21.1% | 27.2% | ||
| Q1 25 | 30.0% | -5.0% | ||
| Q4 24 | 26.5% | 38.0% | ||
| Q3 24 | 23.5% | 29.7% | ||
| Q2 24 | 18.2% | 23.7% |
净利率FCFSWSBC
| Q1 26 | — | 34.5% | ||
| Q4 25 | 20.8% | 34.3% | ||
| Q3 25 | 20.1% | 31.9% | ||
| Q2 25 | 15.5% | 22.0% | ||
| Q1 25 | 22.5% | -4.7% | ||
| Q4 24 | 20.2% | 30.5% | ||
| Q3 24 | 17.9% | 24.7% | ||
| Q2 24 | 13.5% | 19.5% |
每股收益（稀释后）FCFSWSBC
| Q1 26 | — | $0.88 | ||
| Q4 25 | $2.35 | $0.97 | ||
| Q3 25 | $1.86 | $0.84 | ||
| Q2 25 | $1.34 | $0.57 | ||
| Q1 25 | $1.87 | $-0.15 | ||
| Q4 24 | $1.86 | $0.72 | ||
| Q3 24 | $1.44 | $0.54 | ||
| Q2 24 | $1.08 | $0.44 |
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 | — |
| 总债务越低越好 | $2.2B | — |
| 股东权益账面价值 | $2.3B | $4.1B |
| 总资产 | $5.3B | $27.5B |
| 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FCFSWSBC
| Q1 26 | — | — | ||
| Q4 25 | $125.2M | $956.1M | ||
| Q3 25 | $130.2M | $1.0B | ||
| Q2 25 | $101.5M | $1.2B | ||
| Q1 25 | $146.0M | $1.1B | ||
| Q4 24 | $175.1M | $568.1M | ||
| Q3 24 | $106.3M | $620.9M | ||
| Q2 24 | $113.7M | $486.8M |
总债务FCFSWSBC
| 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FCFSWSBC
| Q1 26 | — | $4.1B | ||
| Q4 25 | $2.3B | $4.0B | ||
| Q3 25 | $2.2B | $4.1B | ||
| Q2 25 | $2.1B | $3.8B | ||
| Q1 25 | $2.1B | $3.8B | ||
| Q4 24 | $2.1B | $2.8B | ||
| Q3 24 | $2.0B | $2.8B | ||
| Q2 24 | $2.0B | $2.5B |
总资产FCFSWSBC
| Q1 26 | — | $27.5B | ||
| Q4 25 | $5.3B | $27.7B | ||
| Q3 25 | $5.2B | $27.5B | ||
| Q2 25 | $4.5B | $27.6B | ||
| Q1 25 | $4.4B | $27.4B | ||
| Q4 24 | $4.5B | $18.7B | ||
| Q3 24 | $4.4B | $18.5B | ||
| Q2 24 | $4.3B | $18.1B |
负债/权益比FCFSWSBC
| 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FCFSWSBC
| Q1 26 | — | — | ||
| Q4 25 | $206.6M | $290.4M | ||
| Q3 25 | $135.8M | $116.9M | ||
| Q2 25 | $116.9M | $105.0M | ||
| Q1 25 | $126.6M | $-26.4M | ||
| Q4 24 | $198.1M | $211.0M | ||
| Q3 24 | $113.1M | $60.7M | ||
| Q2 24 | $106.2M | $18.2M |
自由现金流FCFSWSBC
| Q1 26 | — | — | ||
| Q4 25 | — | $280.0M | ||
| Q3 25 | — | $114.9M | ||
| Q2 25 | — | $98.3M | ||
| Q1 25 | — | $-30.7M | ||
| Q4 24 | — | $200.7M | ||
| Q3 24 | — | $56.9M | ||
| Q2 24 | — | $17.3M |
自由现金流率FCFSWSBC
| Q1 26 | — | — | ||
| Q4 25 | — | 105.4% | ||
| Q3 25 | — | 43.9% | ||
| Q2 25 | — | 37.7% | ||
| Q1 25 | — | -15.9% | ||
| Q4 24 | — | 123.2% | ||
| Q3 24 | — | 37.7% | ||
| Q2 24 | — | 11.7% |
资本支出强度FCFSWSBC
| Q1 26 | — | — | ||
| Q4 25 | — | 3.9% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 2.6% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 6.3% | ||
| Q3 24 | — | 2.5% | ||
| Q2 24 | — | 0.6% |
现金转化率FCFSWSBC
| Q1 26 | — | — | ||
| Q4 25 | 1.98× | 3.19× | ||
| Q3 25 | 1.64× | 1.40× | ||
| Q2 25 | 1.95× | 1.83× | ||
| Q1 25 | 1.51× | — | ||
| Q4 24 | 2.37× | 4.25× | ||
| Q3 24 | 1.74× | 1.63× | ||
| Q2 24 | 2.16× | 0.63× |
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% |
WSBC
| Net Interest Income | $215.4M | 84% |
| Noninterest Income | $41.8M | 16% |
