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FirstCash Holdings, Inc.（FCFS）与ZIONS BANCORPORATION, NATIONAL ASSOCIATION（ZION）财务数据对比。点击上方公司名可切换其他公司
ZIONS BANCORPORATION, NATIONAL ASSOCIATION的季度营收约是FirstCash Holdings, Inc.的1.8倍（$891.0M vs $501.3M），ZIONS BANCORPORATION, NATIONAL ASSOCIATION净利率更高（29.5% vs 20.8%，领先8.7%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 8.7%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% vs 9.6%）
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。
Zions Bancorporation是总部位于美国犹他州盐湖城的全国性银行，并非银行控股公司。旗下共运营七大银行品牌，包括Zions银行、德州Amegy银行、加州信托银行、亚利桑那国家银行、内华达州立银行、科罗拉多Vectra银行及华盛顿商业银行，业务覆盖美国多地。
FCFS vs ZION — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $891.0M |
| 净利润 | $104.2M | $263.0M |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | — |
| 净利率 | 20.8% | 29.5% |
| 营收同比 | 21.2% | 8.7% |
| 净利润同比 | 24.7% | 21.8% |
| 每股收益（稀释后） | $2.35 | $1.77 |
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
| Q4 25 | $501.3M | $891.0M | ||
| Q3 25 | $411.0M | $861.0M | ||
| Q2 25 | $385.1M | $838.0M | ||
| Q1 25 | $371.1M | $795.0M | ||
| Q4 24 | $413.7M | $820.0M | ||
| Q3 24 | $363.1M | $792.0M | ||
| Q2 24 | $363.5M | $777.0M | ||
| Q1 24 | $366.8M | $742.0M |
| Q4 25 | $104.2M | $263.0M | ||
| Q3 25 | $82.8M | $222.0M | ||
| Q2 25 | $59.8M | $244.0M | ||
| Q1 25 | $83.6M | $170.0M | ||
| Q4 24 | $83.5M | $216.0M | ||
| Q3 24 | $64.8M | $214.0M | ||
| Q2 24 | $49.1M | $201.0M | ||
| Q1 24 | $61.4M | $153.0M |
| Q4 25 | 28.5% | — | ||
| Q3 25 | 27.4% | — | ||
| Q2 25 | 21.1% | — | ||
| Q1 25 | 30.0% | — | ||
| Q4 24 | 26.5% | — | ||
| Q3 24 | 23.5% | — | ||
| Q2 24 | 18.2% | — | ||
| Q1 24 | 22.3% | — |
| Q4 25 | 20.8% | 29.5% | ||
| Q3 25 | 20.1% | 25.8% | ||
| Q2 25 | 15.5% | 29.1% | ||
| Q1 25 | 22.5% | 21.4% | ||
| Q4 24 | 20.2% | 26.3% | ||
| Q3 24 | 17.9% | 27.0% | ||
| Q2 24 | 13.5% | 25.9% | ||
| Q1 24 | 16.7% | 20.6% |
| Q4 25 | $2.35 | $1.77 | ||
| Q3 25 | $1.86 | $1.48 | ||
| Q2 25 | $1.34 | $1.63 | ||
| Q1 25 | $1.87 | $1.13 | ||
| Q4 24 | $1.86 | $1.34 | ||
| Q3 24 | $1.44 | $1.37 | ||
| Q2 24 | $1.08 | $1.28 | ||
| Q1 24 | $1.35 | $0.96 |
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 | $1.5B |
| 股东权益账面价值 | $2.3B | $7.2B |
| 总资产 | $5.3B | $89.0B |
| 负债/权益比越低杠杆越低 | 0.98× | 0.21× |
8季度趋势，按日历期对齐
| 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 | — | ||
| Q1 24 | $135.1M | — |
| Q4 25 | $2.2B | $1.5B | ||
| Q3 25 | $2.2B | $1.5B | ||
| Q2 25 | $1.7B | $970.0M | ||
| Q1 25 | $1.7B | $964.0M | ||
| Q4 24 | $1.7B | $950.0M | ||
| Q3 24 | $1.7B | $548.0M | ||
| Q2 24 | $1.7B | $546.0M | ||
| Q1 24 | $1.5B | $544.0M |
| Q4 25 | $2.3B | $7.2B | ||
| Q3 25 | $2.2B | $6.9B | ||
| Q2 25 | $2.1B | $6.6B | ||
| Q1 25 | $2.1B | $6.3B | ||
| Q4 24 | $2.1B | $6.1B | ||
| Q3 24 | $2.0B | $6.4B | ||
| Q2 24 | $2.0B | $6.0B | ||
| Q1 24 | $2.0B | $5.8B |
| Q4 25 | $5.3B | $89.0B | ||
| Q3 25 | $5.2B | $88.5B | ||
| Q2 25 | $4.5B | $88.9B | ||
| Q1 25 | $4.4B | $88.0B | ||
| Q4 24 | $4.5B | $88.8B | ||
| Q3 24 | $4.4B | $87.0B | ||
| Q2 24 | $4.3B | $87.6B | ||
| Q1 24 | $4.2B | $87.1B |
| Q4 25 | 0.98× | 0.21× | ||
| Q3 25 | 1.01× | 0.21× | ||
| Q2 25 | 0.79× | 0.15× | ||
| Q1 25 | 0.83× | 0.15× | ||
| Q4 24 | 0.85× | 0.16× | ||
| Q3 24 | 0.87× | 0.09× | ||
| Q2 24 | 0.85× | 0.09× | ||
| Q1 24 | 0.75× | 0.09× |
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 | $1.1B |
| 自由现金流经营现金流 - 资本支出 | — | $952.0M |
| 自由现金流率自由现金流/营收 | — | 106.8% |
| 资本支出强度资本支出/营收 | — | 13.6% |
| 现金转化率经营现金流/净利润 | 1.98× | 4.08× |
| 过去12个月自由现金流最近4个季度 | — | $1.4B |
8季度趋势，按日历期对齐
| Q4 25 | $206.6M | $1.1B | ||
| Q3 25 | $135.8M | $438.0M | ||
| Q2 25 | $116.9M | $-62.0M | ||
| Q1 25 | $126.6M | $179.0M | ||
| Q4 24 | $198.1M | $1.1B | ||
| Q3 24 | $113.1M | $119.0M | ||
| Q2 24 | $106.2M | $251.0M | ||
| Q1 24 | $122.5M | $261.0M |
| Q4 25 | — | $952.0M | ||
| Q3 25 | — | $413.0M | ||
| Q2 25 | — | $-93.0M | ||
| Q1 25 | — | $152.0M | ||
| Q4 24 | — | $1.1B | ||
| Q3 24 | — | $97.0M | ||
| Q2 24 | — | $234.0M | ||
| Q1 24 | — | $231.0M |
| Q4 25 | — | 106.8% | ||
| Q3 25 | — | 48.0% | ||
| Q2 25 | — | -11.1% | ||
| Q1 25 | — | 19.1% | ||
| Q4 24 | — | 128.2% | ||
| Q3 24 | — | 12.2% | ||
| Q2 24 | — | 30.1% | ||
| Q1 24 | — | 31.1% |
| Q4 25 | — | 13.6% | ||
| Q3 25 | — | 2.9% | ||
| Q2 25 | — | 3.7% | ||
| Q1 25 | — | 3.4% | ||
| Q4 24 | — | 11.8% | ||
| Q3 24 | — | 2.8% | ||
| Q2 24 | — | 2.2% | ||
| Q1 24 | — | 4.0% |
| Q4 25 | 1.98× | 4.08× | ||
| Q3 25 | 1.64× | 1.97× | ||
| Q2 25 | 1.95× | -0.25× | ||
| Q1 25 | 1.51× | 1.05× | ||
| Q4 24 | 2.37× | 5.31× | ||
| Q3 24 | 1.74× | 0.56× | ||
| Q2 24 | 2.16× | 1.25× | ||
| Q1 24 | 2.00× | 1.71× |
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% |
ZION
暂无分部数据
