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FirstCash Holdings, Inc.（FCFS）与WSFS FINANCIAL CORP（WSFS）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WSFS FINANCIAL CORP的1.8倍（$501.3M vs $275.3M），WSFS FINANCIAL CORP净利率更高（31.5% vs 20.8%，领先10.7%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 7.5%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 1.7%）
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。
WSFS金融集团是一家金融服务企业，核心子公司WSFS银行是总部位于特拉华州及大特拉华谷地区规模最大、经营历史最久的本地管理银行与财富管理机构。集团共运营115个网点，其中88个为银行网点，分布在宾夕法尼亚、特拉华、新泽西、佛罗里达、弗吉尼亚、内华达六州，提供全面金融服务。
FCFS vs WSFS — 直观对比
营收规模更大
FCFS
是对方的1.8倍
$275.3M
营收增速更快
FCFS
高出13.7%
7.5%
净利率更高
WSFS
高出10.7%
20.8%
两年增速更快
FCFS
近两年复合增速
1.7%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $275.3M |
| 净利润 | $104.2M | $86.8M |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | — |
| 净利率 | 20.8% | 31.5% |
| 营收同比 | 21.2% | 7.5% |
| 净利润同比 | 24.7% | 31.7% |
| 每股收益（稀释后） | $2.35 | $1.64 |
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FCFSWSFS
| Q1 26 | — | $275.3M | ||
| Q4 25 | $501.3M | $271.9M | ||
| Q3 25 | $411.0M | $270.5M | ||
| Q2 25 | $385.1M | $267.5M | ||
| Q1 25 | $371.1M | $256.1M | ||
| Q4 24 | $413.7M | $261.5M | ||
| Q3 24 | $363.1M | $267.7M | ||
| Q2 24 | $363.5M | $266.0M |
净利润FCFSWSFS
| Q1 26 | — | $86.8M | ||
| Q4 25 | $104.2M | $72.7M | ||
| Q3 25 | $82.8M | $76.4M | ||
| Q2 25 | $59.8M | $72.3M | ||
| Q1 25 | $83.6M | $65.9M | ||
| Q4 24 | $83.5M | $64.2M | ||
| Q3 24 | $64.8M | $64.4M | ||
| Q2 24 | $49.1M | $69.3M |
营业利润率FCFSWSFS
| Q1 26 | — | — | ||
| Q4 25 | 28.5% | 35.8% | ||
| Q3 25 | 27.4% | 37.3% | ||
| Q2 25 | 21.1% | 35.7% | ||
| Q1 25 | 30.0% | 34.0% | ||
| Q4 24 | 26.5% | 32.3% | ||
| Q3 24 | 23.5% | 31.9% | ||
| Q2 24 | 18.2% | 34.0% |
净利率FCFSWSFS
| Q1 26 | — | 31.5% | ||
| Q4 25 | 20.8% | 26.7% | ||
| Q3 25 | 20.1% | 28.3% | ||
| Q2 25 | 15.5% | 27.0% | ||
| Q1 25 | 22.5% | 25.7% | ||
| Q4 24 | 20.2% | 24.6% | ||
| Q3 24 | 17.9% | 24.1% | ||
| Q2 24 | 13.5% | 26.0% |
每股收益（稀释后）FCFSWSFS
| Q1 26 | — | $1.64 | ||
| Q4 25 | $2.35 | $1.33 | ||
| Q3 25 | $1.86 | $1.37 | ||
| Q2 25 | $1.34 | $1.27 | ||
| Q1 25 | $1.87 | $1.12 | ||
| Q4 24 | $1.86 | $1.08 | ||
| Q3 24 | $1.44 | $1.08 | ||
| Q2 24 | $1.08 | $1.16 |
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 | $2.7B |
| 总资产 | $5.3B | $22.1B |
| 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FCFSWSFS
| Q1 26 | — | — | ||
| Q4 25 | $125.2M | $1.7B | ||
| Q3 25 | $130.2M | — | ||
| Q2 25 | $101.5M | — | ||
| Q1 25 | $146.0M | — | ||
| Q4 24 | $175.1M | $1.2B | ||
| Q3 24 | $106.3M | — | ||
| Q2 24 | $113.7M | — |
总债务FCFSWSFS
| 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FCFSWSFS
| Q1 26 | — | $2.7B | ||
| Q4 25 | $2.3B | $2.7B | ||
| Q3 25 | $2.2B | $2.8B | ||
| Q2 25 | $2.1B | $2.7B | ||
| Q1 25 | $2.1B | $2.7B | ||
| Q4 24 | $2.1B | $2.6B | ||
| Q3 24 | $2.0B | $2.7B | ||
| Q2 24 | $2.0B | $2.5B |
总资产FCFSWSFS
| Q1 26 | — | $22.1B | ||
| Q4 25 | $5.3B | $21.3B | ||
| Q3 25 | $5.2B | $20.8B | ||
| Q2 25 | $4.5B | $20.8B | ||
| Q1 25 | $4.4B | $20.5B | ||
| Q4 24 | $4.5B | $20.8B | ||
| Q3 24 | $4.4B | $20.9B | ||
| Q2 24 | $4.3B | $20.7B |
负债/权益比FCFSWSFS
| 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FCFSWSFS
| Q1 26 | — | — | ||
| Q4 25 | $206.6M | $220.0M | ||
| Q3 25 | $135.8M | $121.5M | ||
| Q2 25 | $116.9M | $37.2M | ||
| Q1 25 | $126.6M | $8.7M | ||
| Q4 24 | $198.1M | $219.9M | ||
| Q3 24 | $113.1M | $3.1M | ||
| Q2 24 | $106.2M | $44.8M |
自由现金流FCFSWSFS
| Q1 26 | — | — | ||
| Q4 25 | — | $213.6M | ||
| Q3 25 | — | $120.3M | ||
| Q2 25 | — | $35.2M | ||
| Q1 25 | — | $6.3M | ||
| Q4 24 | — | $205.6M | ||
| Q3 24 | — | $-489.0K | ||
| Q2 24 | — | $42.1M |
自由现金流率FCFSWSFS
| Q1 26 | — | — | ||
| Q4 25 | — | 78.6% | ||
| Q3 25 | — | 44.5% | ||
| Q2 25 | — | 13.2% | ||
| Q1 25 | — | 2.5% | ||
| Q4 24 | — | 78.6% | ||
| Q3 24 | — | -0.2% | ||
| Q2 24 | — | 15.8% |
资本支出强度FCFSWSFS
| Q1 26 | — | — | ||
| Q4 25 | — | 2.3% | ||
| Q3 25 | — | 0.5% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 5.5% | ||
| Q3 24 | — | 1.4% | ||
| Q2 24 | — | 1.0% |
现金转化率FCFSWSFS
| Q1 26 | — | — | ||
| Q4 25 | 1.98× | 3.03× | ||
| Q3 25 | 1.64× | 1.59× | ||
| Q2 25 | 1.95× | 0.51× | ||
| Q1 25 | 1.51× | 0.13× | ||
| Q4 24 | 2.37× | 3.43× | ||
| Q3 24 | 1.74× | 0.05× | ||
| Q2 24 | 2.16× | 0.65× |
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% |
WSFS
暂无分部数据
