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FirstCash Holdings, Inc.（FCFS）与WINTRUST FINANCIAL CORP（WTFC）财务数据对比。点击上方公司名可切换其他公司
WINTRUST FINANCIAL CORP的季度营收约是FirstCash Holdings, Inc.的1.4倍（$713.2M vs $501.3M），WINTRUST FINANCIAL CORP净利率更高（31.9% vs 20.8%，领先11.1%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 10.9%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 9.8%）
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。
Wintrust Financial是美国本土金融控股公司，在伊利诺伊州北部及威斯康星州南部运营15家特许社区银行，属于美国中型银行机构，是芝加哥第二大银行企业，于纳斯达克全球精选市场上市，股票代码为WTFC。
FCFS vs WTFC — 直观对比
营收规模更大
WTFC
是对方的1.4倍
$501.3M
营收增速更快
FCFS
高出10.3%
10.9%
净利率更高
WTFC
高出11.1%
20.8%
两年增速更快
FCFS
近两年复合增速
9.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $713.2M |
| 净利润 | $104.2M | $227.4M |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | — |
| 净利率 | 20.8% | 31.9% |
| 营收同比 | 21.2% | 10.9% |
| 净利润同比 | 24.7% | — |
| 每股收益（稀释后） | $2.35 | $3.22 |
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FCFSWTFC
| Q1 26 | — | $713.2M | ||
| Q4 25 | $501.3M | $714.3M | ||
| Q3 25 | $411.0M | $697.8M | ||
| Q2 25 | $385.1M | $670.8M | ||
| Q1 25 | $371.1M | $643.1M | ||
| Q4 24 | $413.7M | $638.6M | ||
| Q3 24 | $363.1M | $615.7M | ||
| Q2 24 | $363.5M | $591.8M |
净利润FCFSWTFC
| Q1 26 | — | $227.4M | ||
| Q4 25 | $104.2M | — | ||
| Q3 25 | $82.8M | $216.3M | ||
| Q2 25 | $59.8M | $195.5M | ||
| Q1 25 | $83.6M | $189.0M | ||
| Q4 24 | $83.5M | — | ||
| Q3 24 | $64.8M | $170.0M | ||
| Q2 24 | $49.1M | $152.4M |
营业利润率FCFSWTFC
| Q1 26 | — | — | ||
| Q4 25 | 28.5% | 42.3% | ||
| Q3 25 | 27.4% | 42.4% | ||
| Q2 25 | 21.1% | 39.8% | ||
| Q1 25 | 30.0% | 39.3% | ||
| Q4 24 | 26.5% | 39.6% | ||
| Q3 24 | 23.5% | 37.8% | ||
| Q2 24 | 18.2% | 35.7% |
净利率FCFSWTFC
| Q1 26 | — | 31.9% | ||
| Q4 25 | 20.8% | — | ||
| Q3 25 | 20.1% | 31.0% | ||
| Q2 25 | 15.5% | 29.1% | ||
| Q1 25 | 22.5% | 29.4% | ||
| Q4 24 | 20.2% | — | ||
| Q3 24 | 17.9% | 27.6% | ||
| Q2 24 | 13.5% | 25.8% |
每股收益（稀释后）FCFSWTFC
| Q1 26 | — | $3.22 | ||
| Q4 25 | $2.35 | $3.15 | ||
| Q3 25 | $1.86 | $2.78 | ||
| Q2 25 | $1.34 | $2.78 | ||
| Q1 25 | $1.87 | $2.69 | ||
| Q4 24 | $1.86 | $2.63 | ||
| Q3 24 | $1.44 | $2.47 | ||
| Q2 24 | $1.08 | $2.32 |
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 | $7.4B |
| 总资产 | $5.3B | $72.2B |
| 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FCFSWTFC
| Q1 26 | — | — | ||
| Q4 25 | $125.2M | — | ||
| Q3 25 | $130.2M | — | ||
| Q2 25 | $101.5M | — | ||
| Q1 25 | $146.0M | — | ||
| Q4 24 | $175.1M | — | ||
| Q3 24 | $106.3M | — | ||
| Q2 24 | $113.7M | — |
总债务FCFSWTFC
| 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FCFSWTFC
| Q1 26 | — | $7.4B | ||
| Q4 25 | $2.3B | $7.3B | ||
| Q3 25 | $2.2B | $7.0B | ||
| Q2 25 | $2.1B | $7.2B | ||
| Q1 25 | $2.1B | $6.6B | ||
| Q4 24 | $2.1B | $6.3B | ||
| Q3 24 | $2.0B | $6.4B | ||
| Q2 24 | $2.0B | $5.5B |
总资产FCFSWTFC
| Q1 26 | — | $72.2B | ||
| Q4 25 | $5.3B | $71.1B | ||
| Q3 25 | $5.2B | $69.6B | ||
| Q2 25 | $4.5B | $69.0B | ||
| Q1 25 | $4.4B | $65.9B | ||
| Q4 24 | $4.5B | $64.9B | ||
| Q3 24 | $4.4B | $63.8B | ||
| Q2 24 | $4.3B | $59.8B |
负债/权益比FCFSWTFC
| 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FCFSWTFC
| Q1 26 | — | — | ||
| Q4 25 | $206.6M | $910.3M | ||
| Q3 25 | $135.8M | $209.8M | ||
| Q2 25 | $116.9M | $329.2M | ||
| Q1 25 | $126.6M | $119.8M | ||
| Q4 24 | $198.1M | $721.6M | ||
| Q3 24 | $113.1M | $-61.6M | ||
| Q2 24 | $106.2M | $221.2M |
自由现金流FCFSWTFC
| Q1 26 | — | — | ||
| Q4 25 | — | $860.4M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $635.5M | ||
| Q3 24 | — | $-78.3M | ||
| Q2 24 | — | $182.1M |
自由现金流率FCFSWTFC
| Q1 26 | — | — | ||
| Q4 25 | — | 120.5% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 99.5% | ||
| Q3 24 | — | -12.7% | ||
| Q2 24 | — | 30.8% |
资本支出强度FCFSWTFC
| Q1 26 | — | — | ||
| Q4 25 | — | 7.0% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 13.5% | ||
| Q3 24 | — | 2.7% | ||
| Q2 24 | — | 6.6% |
现金转化率FCFSWTFC
| Q1 26 | — | — | ||
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | 0.97× | ||
| Q2 25 | 1.95× | 1.68× | ||
| Q1 25 | 1.51× | 0.63× | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | -0.36× | ||
| Q2 24 | 2.16× | 1.45× |
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% |
WTFC
暂无分部数据
