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Side-by-side financial comparison of BREAD FINANCIAL HOLDINGS, INC. (BFH) and FirstCash Holdings, Inc. (FCFS). Click either name above to swap in a different company.
BREAD FINANCIAL HOLDINGS, INC. is the larger business by last-quarter revenue ($975.0M vs $501.3M, roughly 1.9× FirstCash Holdings, Inc.). On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 5.4%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs -0.8%).
Bread Financial Holdings, Inc. is an American publicly traded provider of private label credit cards, coalition loyalty programs, and direct marketing, derived from the capture and analysis of transaction-rich data.
FirstCash Holdings, Inc. is an American pawnshop company headquartered in Fort Worth, Texas which operates retail pawn stores in the U.S. and Latin America. It is a publicly traded company listed on the Nasdaq stock exchange.
BFH vs FCFS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $975.0M | $501.3M |
| Net Profit | — | $104.2M |
| Gross Margin | — | — |
| Operating Margin | 4.9% | 28.5% |
| Net Margin | — | 20.8% |
| Revenue YoY | 5.4% | 21.2% |
| Net Profit YoY | — | 24.7% |
| EPS (diluted) | $1.21 | $2.35 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $975.0M | $501.3M | ||
| Q3 25 | $971.0M | $411.0M | ||
| Q2 25 | $929.0M | $385.1M | ||
| Q1 25 | $970.0M | $371.1M | ||
| Q4 24 | $925.0M | $413.7M | ||
| Q3 24 | $983.0M | $363.1M | ||
| Q2 24 | $939.0M | $363.5M | ||
| Q1 24 | $991.0M | $366.8M |
| Q4 25 | — | $104.2M | ||
| Q3 25 | $188.0M | $82.8M | ||
| Q2 25 | $139.0M | $59.8M | ||
| Q1 25 | $138.0M | $83.6M | ||
| Q4 24 | — | $83.5M | ||
| Q3 24 | $2.0M | $64.8M | ||
| Q2 24 | $133.0M | $49.1M | ||
| Q1 24 | $134.0M | $61.4M |
| Q4 25 | 4.9% | 28.5% | ||
| Q3 25 | 20.2% | 27.4% | ||
| Q2 25 | 18.7% | 21.1% | ||
| Q1 25 | 20.3% | 30.0% | ||
| Q4 24 | -2.9% | 26.5% | ||
| Q3 24 | 4.1% | 23.5% | ||
| Q2 24 | 19.2% | 18.2% | ||
| Q1 24 | 19.0% | 22.3% |
| Q4 25 | — | 20.8% | ||
| Q3 25 | 19.4% | 20.1% | ||
| Q2 25 | 15.0% | 15.5% | ||
| Q1 25 | 14.2% | 22.5% | ||
| Q4 24 | — | 20.2% | ||
| Q3 24 | 0.2% | 17.9% | ||
| Q2 24 | 14.2% | 13.5% | ||
| Q1 24 | 13.5% | 16.7% |
| Q4 25 | $1.21 | $2.35 | ||
| Q3 25 | $3.96 | $1.86 | ||
| Q2 25 | $2.94 | $1.34 | ||
| Q1 25 | $2.78 | $1.87 | ||
| Q4 24 | $0.08 | $1.86 | ||
| Q3 24 | $0.05 | $1.44 | ||
| Q2 24 | $2.66 | $1.08 | ||
| Q1 24 | $2.70 | $1.35 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $3.6B | $125.2M |
| Total DebtLower is stronger | $4.3B | $2.2B |
| Stockholders' EquityBook value | $3.3B | $2.3B |
| Total Assets | $22.7B | $5.3B |
| Debt / EquityLower = less leverage | 1.29× | 0.98× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.6B | $125.2M | ||
| Q3 25 | $3.8B | $130.2M | ||
| Q2 25 | $3.8B | $101.5M | ||
| Q1 25 | $4.2B | $146.0M | ||
| Q4 24 | $4.0B | $175.1M | ||
| Q3 24 | $3.5B | $106.3M | ||
| Q2 24 | $4.1B | $113.7M | ||
| Q1 24 | $3.8B | $135.1M |
| Q4 25 | $4.3B | $2.2B | ||
| Q3 25 | $3.8B | $2.2B | ||
| Q2 25 | $4.2B | $1.7B | ||
| Q1 25 | $5.1B | $1.7B | ||
| Q4 24 | $5.6B | $1.7B | ||
| Q3 24 | $4.6B | $1.7B | ||
| Q2 24 | — | $1.7B | ||
| Q1 24 | — | $1.5B |
| Q4 25 | $3.3B | $2.3B | ||
| Q3 25 | $3.3B | $2.2B | ||
| Q2 25 | $3.2B | $2.1B | ||
| Q1 25 | $3.1B | $2.1B | ||
| Q4 24 | $3.1B | $2.1B | ||
| Q3 24 | $3.1B | $2.0B | ||
| Q2 24 | $3.2B | $2.0B | ||
| Q1 24 | $3.0B | $2.0B |
| Q4 25 | $22.7B | $5.3B | ||
| Q3 25 | $21.7B | $5.2B | ||
| Q2 25 | $21.8B | $4.5B | ||
| Q1 25 | $22.4B | $4.4B | ||
| Q4 24 | $22.9B | $4.5B | ||
| Q3 24 | $21.7B | $4.4B | ||
| Q2 24 | $22.1B | $4.3B | ||
| Q1 24 | $22.3B | $4.2B |
| Q4 25 | 1.29× | 0.98× | ||
| Q3 25 | 1.14× | 1.01× | ||
| Q2 25 | 1.34× | 0.79× | ||
| Q1 25 | 1.67× | 0.83× | ||
| Q4 24 | 1.82× | 0.85× | ||
| Q3 24 | 1.47× | 0.87× | ||
| Q2 24 | — | 0.85× | ||
| Q1 24 | — | 0.75× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $568.0M | $206.6M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 1.98× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $568.0M | $206.6M | ||
| Q3 25 | $605.0M | $135.8M | ||
| Q2 25 | $526.0M | $116.9M | ||
| Q1 25 | $393.0M | $126.6M | ||
| Q4 24 | $479.0M | $198.1M | ||
| Q3 24 | $456.0M | $113.1M | ||
| Q2 24 | $477.0M | $106.2M | ||
| Q1 24 | $447.0M | $122.5M |
| Q4 25 | — | 1.98× | ||
| Q3 25 | 3.22× | 1.64× | ||
| Q2 25 | 3.78× | 1.95× | ||
| Q1 25 | 2.85× | 1.51× | ||
| Q4 24 | — | 2.37× | ||
| Q3 24 | 228.00× | 1.74× | ||
| Q2 24 | 3.59× | 2.16× | ||
| Q1 24 | 3.34× | 2.00× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFH
Segment breakdown not available.
FCFS
| US Pawn Segment | $292.2M | 58% |
| Retail POS Payment Solutions | $209.8M | 42% |
