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FirstCash Holdings, Inc.（FCFS）与Zeta Global Holdings Corp.（ZETA）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Zeta Global Holdings Corp.的1.3倍（$501.3M vs $394.6M），FirstCash Holdings, Inc.净利率更高（20.8% vs 1.7%，领先19.1%），Zeta Global Holdings Corp.同比增速更快（25.4% vs 21.2%），过去两年Zeta Global Holdings Corp.的营收复合增速更高（42.3% 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。
Zeta Global Holdings Corp是一家2007年成立的美国营销科技企业，为各公司提供多渠道营销工具矩阵，核心业务围绕客户关系的构建、维护与价值变现展开。该公司于2021年6月10日在纽约证券交易所上市，上市时估值达17亿美元。
FCFS vs ZETA — 直观对比
营收规模更大
FCFS
是对方的1.3倍
$394.6M
营收增速更快
ZETA
高出4.2%
21.2%
净利率更高
FCFS
高出19.1%
1.7%
两年增速更快
ZETA
近两年复合增速
16.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $394.6M |
| 净利润 | $104.2M | $6.5M |
| 毛利率 | — | 59.5% |
| 营业利润率 | 28.5% | 4.5% |
| 净利率 | 20.8% | 1.7% |
| 营收同比 | 21.2% | 25.4% |
| 净利润同比 | 24.7% | -57.1% |
| 每股收益（稀释后） | $2.35 | $0.04 |
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FCFSZETA
| Q4 25 | $501.3M | $394.6M | ||
| Q3 25 | $411.0M | $337.2M | ||
| Q2 25 | $385.1M | $308.4M | ||
| Q1 25 | $371.1M | $264.4M | ||
| Q4 24 | $413.7M | $314.7M | ||
| Q3 24 | $363.1M | $268.3M | ||
| Q2 24 | $363.5M | $227.8M | ||
| Q1 24 | $366.8M | $194.9M |
净利润FCFSZETA
| Q4 25 | $104.2M | $6.5M | ||
| Q3 25 | $82.8M | $-3.6M | ||
| Q2 25 | $59.8M | $-12.8M | ||
| Q1 25 | $83.6M | $-21.6M | ||
| Q4 24 | $83.5M | $15.2M | ||
| Q3 24 | $64.8M | $-17.4M | ||
| Q2 24 | $49.1M | $-28.1M | ||
| Q1 24 | $61.4M | $-39.6M |
毛利率FCFSZETA
| Q4 25 | — | 59.5% | ||
| Q3 25 | — | 60.5% | ||
| Q2 25 | — | 62.1% | ||
| Q1 25 | — | 60.9% | ||
| Q4 24 | — | 60.0% | ||
| Q3 24 | — | 60.6% | ||
| Q2 24 | — | 60.0% | ||
| Q1 24 | — | 60.6% |
营业利润率FCFSZETA
| Q4 25 | 28.5% | 4.5% | ||
| Q3 25 | 27.4% | 2.6% | ||
| Q2 25 | 21.1% | -1.7% | ||
| Q1 25 | 30.0% | -6.1% | ||
| Q4 24 | 26.5% | 2.2% | ||
| Q3 24 | 23.5% | -4.6% | ||
| Q2 24 | 18.2% | -11.7% | ||
| Q1 24 | 22.3% | -18.4% |
净利率FCFSZETA
| Q4 25 | 20.8% | 1.7% | ||
| Q3 25 | 20.1% | -1.1% | ||
| Q2 25 | 15.5% | -4.2% | ||
| Q1 25 | 22.5% | -8.2% | ||
| Q4 24 | 20.2% | 4.8% | ||
| Q3 24 | 17.9% | -6.5% | ||
| Q2 24 | 13.5% | -12.3% | ||
| Q1 24 | 16.7% | -20.3% |
每股收益（稀释后）FCFSZETA
| Q4 25 | $2.35 | $0.04 | ||
| Q3 25 | $1.86 | $-0.02 | ||
| Q2 25 | $1.34 | $-0.06 | ||
| Q1 25 | $1.87 | $-0.10 | ||
| Q4 24 | $1.86 | $0.10 | ||
| Q3 24 | $1.44 | $-0.09 | ||
| Q2 24 | $1.08 | $-0.16 | ||
| Q1 24 | $1.35 | $-0.23 |
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 | $319.8M |
| 总债务越低越好 | $2.2B | $197.1M |
| 股东权益账面价值 | $2.3B | $804.6M |
| 总资产 | $5.3B | $1.5B |
| 负债/权益比越低杠杆越低 | 0.98× | 0.24× |
8季度趋势，按日历期对齐
现金及短期投资FCFSZETA
| Q4 25 | $125.2M | $319.8M | ||
| Q3 25 | $130.2M | $385.2M | ||
| Q2 25 | $101.5M | $365.3M | ||
| Q1 25 | $146.0M | $364.4M | ||
| Q4 24 | $175.1M | $366.2M | ||
| Q3 24 | $106.3M | $418.5M | ||
| Q2 24 | $113.7M | $154.7M | ||
| Q1 24 | $135.1M | $141.6M |
总债务FCFSZETA
| Q4 25 | $2.2B | $197.1M | ||
| Q3 25 | $2.2B | $196.9M | ||
| Q2 25 | $1.7B | $196.7M | ||
| Q1 25 | $1.7B | $196.5M | ||
| Q4 24 | $1.7B | $196.3M | ||
| Q3 24 | $1.7B | $196.1M | ||
| Q2 24 | $1.7B | $184.4M | ||
| Q1 24 | $1.5B | $184.2M |
股东权益FCFSZETA
| Q4 25 | $2.3B | $804.6M | ||
| Q3 25 | $2.2B | $689.2M | ||
| Q2 25 | $2.1B | $673.3M | ||
| Q1 25 | $2.1B | $676.6M | ||
| Q4 24 | $2.1B | $676.8M | ||
| Q3 24 | $2.0B | $474.9M | ||
| Q2 24 | $2.0B | $217.0M | ||
| Q1 24 | $2.0B | $191.6M |
总资产FCFSZETA
| Q4 25 | $5.3B | $1.5B | ||
| Q3 25 | $5.2B | $1.2B | ||
| Q2 25 | $4.5B | $1.1B | ||
| Q1 25 | $4.4B | $1.1B | ||
| Q4 24 | $4.5B | $1.1B | ||
| Q3 24 | $4.4B | $869.1M | ||
| Q2 24 | $4.3B | $583.9M | ||
| Q1 24 | $4.2B | $550.3M |
负债/权益比FCFSZETA
| Q4 25 | 0.98× | 0.24× | ||
| Q3 25 | 1.01× | 0.29× | ||
| Q2 25 | 0.79× | 0.29× | ||
| Q1 25 | 0.83× | 0.29× | ||
| Q4 24 | 0.85× | 0.29× | ||
| Q3 24 | 0.87× | 0.41× | ||
| Q2 24 | 0.85× | 0.85× | ||
| Q1 24 | 0.75× | 0.96× |
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 | $64.1M |
| 自由现金流经营现金流 - 资本支出 | — | $60.9M |
| 自由现金流率自由现金流/营收 | — | 15.4% |
| 资本支出强度资本支出/营收 | — | 0.8% |
| 现金转化率经营现金流/净利润 | 1.98× | 9.81× |
| 过去12个月自由现金流最近4个季度 | — | $185.1M |
8季度趋势，按日历期对齐
经营现金流FCFSZETA
| Q4 25 | $206.6M | $64.1M | ||
| Q3 25 | $135.8M | $57.9M | ||
| Q2 25 | $116.9M | $42.0M | ||
| Q1 25 | $126.6M | $34.8M | ||
| Q4 24 | $198.1M | $43.7M | ||
| Q3 24 | $113.1M | $34.4M | ||
| Q2 24 | $106.2M | $31.1M | ||
| Q1 24 | $122.5M | $24.7M |
自由现金流FCFSZETA
| Q4 25 | — | $60.9M | ||
| Q3 25 | — | $52.4M | ||
| Q2 25 | — | $39.7M | ||
| Q1 25 | — | $32.1M | ||
| Q4 24 | — | $35.4M | ||
| Q3 24 | — | $29.5M | ||
| Q2 24 | — | $24.4M | ||
| Q1 24 | — | $18.9M |
自由现金流率FCFSZETA
| Q4 25 | — | 15.4% | ||
| Q3 25 | — | 15.6% | ||
| Q2 25 | — | 12.9% | ||
| Q1 25 | — | 12.1% | ||
| Q4 24 | — | 11.3% | ||
| Q3 24 | — | 11.0% | ||
| Q2 24 | — | 10.7% | ||
| Q1 24 | — | 9.7% |
资本支出强度FCFSZETA
| Q4 25 | — | 0.8% | ||
| Q3 25 | — | 1.6% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | 1.8% | ||
| Q2 24 | — | 3.0% | ||
| Q1 24 | — | 3.0% |
现金转化率FCFSZETA
| Q4 25 | 1.98× | 9.81× | ||
| Q3 25 | 1.64× | — | ||
| Q2 25 | 1.95× | — | ||
| Q1 25 | 1.51× | — | ||
| Q4 24 | 2.37× | 2.87× | ||
| Q3 24 | 1.74× | — | ||
| Q2 24 | 2.16× | — | ||
| Q1 24 | 2.00× | — |
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% |
ZETA
暂无分部数据
