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Side-by-side financial comparison of COMERICA INC (CMA) and FirstCash Holdings, Inc. (FCFS). Click either name above to swap in a different company.
COMERICA INC is the larger business by last-quarter revenue ($838.0M vs $501.3M, roughly 1.7× FirstCash Holdings, Inc.). COMERICA INC runs the higher net margin — 21.0% vs 20.8%, a 0.2% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 3.3%). Over the past eight quarters, COMERICA INC's revenue compounded faster (108.9% CAGR vs 16.9%).
Comerica Incorporated is an American financial services company, headquartered in Dallas, Texas. It is the parent of Comerica Bank, a regional commercial bank with 413 branches in the U.S. states of Texas, Michigan, California, Florida and Arizona. Comerica is among the largest U.S. financial holding companies, with offices in a number of U.S. cities.
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.
CMA vs FCFS — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $838.0M | $501.3M |
| Net Profit | $176.0M | $104.2M |
| Gross Margin | — | — |
| Operating Margin | — | 28.5% |
| Net Margin | 21.0% | 20.8% |
| Revenue YoY | 3.3% | 21.2% |
| Net Profit YoY | -4.3% | 24.7% |
| EPS (diluted) | $1.35 | $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 | — | $501.3M | ||
| Q3 25 | $838.0M | $411.0M | ||
| Q2 25 | $849.0M | $385.1M | ||
| Q1 25 | $829.0M | $371.1M | ||
| Q4 24 | $825.0M | $413.7M | ||
| Q3 24 | $811.0M | $363.1M | ||
| Q2 24 | $824.0M | $363.5M | ||
| Q1 24 | $784.0M | $366.8M |
| Q4 25 | — | $104.2M | ||
| Q3 25 | $176.0M | $82.8M | ||
| Q2 25 | $199.0M | $59.8M | ||
| Q1 25 | $172.0M | $83.6M | ||
| Q4 24 | $170.0M | $83.5M | ||
| Q3 24 | $184.0M | $64.8M | ||
| Q2 24 | $206.0M | $49.1M | ||
| Q1 24 | $138.0M | $61.4M |
| 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% | ||
| Q3 25 | 21.0% | 20.1% | ||
| Q2 25 | 23.4% | 15.5% | ||
| Q1 25 | 20.7% | 22.5% | ||
| Q4 24 | 20.6% | 20.2% | ||
| Q3 24 | 22.7% | 17.9% | ||
| Q2 24 | 25.0% | 13.5% | ||
| Q1 24 | 17.6% | 16.7% |
| Q4 25 | — | $2.35 | ||
| Q3 25 | $1.35 | $1.86 | ||
| Q2 25 | $1.42 | $1.34 | ||
| Q1 25 | $1.25 | $1.87 | ||
| Q4 24 | $1.22 | $1.86 | ||
| Q3 24 | $1.33 | $1.44 | ||
| Q2 24 | $1.49 | $1.08 | ||
| Q1 24 | $0.98 | $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 | — | $125.2M |
| Total DebtLower is stronger | $5.4B | $2.2B |
| Stockholders' EquityBook value | $7.4B | $2.3B |
| Total Assets | $77.4B | $5.3B |
| Debt / EquityLower = less leverage | 0.73× | 0.98× |
8-quarter trend — quarters aligned by calendar period.
| 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 | ||
| Q3 25 | $5.4B | $2.2B | ||
| Q2 25 | $5.8B | $1.7B | ||
| Q1 25 | $5.7B | $1.7B | ||
| Q4 24 | $6.7B | $1.7B | ||
| Q3 24 | $6.8B | $1.7B | ||
| Q2 24 | $7.1B | $1.7B | ||
| Q1 24 | $7.1B | $1.5B |
| Q4 25 | — | $2.3B | ||
| Q3 25 | $7.4B | $2.2B | ||
| Q2 25 | $6.9B | $2.1B | ||
| Q1 25 | $7.1B | $2.1B | ||
| Q4 24 | $6.5B | $2.1B | ||
| Q3 24 | $7.4B | $2.0B | ||
| Q2 24 | $6.2B | $2.0B | ||
| Q1 24 | $6.0B | $2.0B |
| Q4 25 | — | $5.3B | ||
| Q3 25 | $77.4B | $5.2B | ||
| Q2 25 | $78.0B | $4.5B | ||
| Q1 25 | $77.6B | $4.4B | ||
| Q4 24 | $79.3B | $4.5B | ||
| Q3 24 | $79.7B | $4.4B | ||
| Q2 24 | $79.6B | $4.3B | ||
| Q1 24 | $79.4B | $4.2B |
| Q4 25 | — | 0.98× | ||
| Q3 25 | 0.73× | 1.01× | ||
| Q2 25 | 0.84× | 0.79× | ||
| Q1 25 | 0.81× | 0.83× | ||
| Q4 24 | 1.02× | 0.85× | ||
| Q3 24 | 0.92× | 0.87× | ||
| Q2 24 | 1.15× | 0.85× | ||
| Q1 24 | 1.18× | 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 | $-270.0M | $206.6M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | -1.53× | 1.98× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $206.6M | ||
| Q3 25 | $-270.0M | $135.8M | ||
| Q2 25 | $476.0M | $116.9M | ||
| Q1 25 | $273.0M | $126.6M | ||
| Q4 24 | $601.0M | $198.1M | ||
| Q3 24 | $1.0B | $113.1M | ||
| Q2 24 | $111.0M | $106.2M | ||
| Q1 24 | $-205.0M | $122.5M |
| Q4 25 | — | 1.98× | ||
| Q3 25 | -1.53× | 1.64× | ||
| Q2 25 | 2.39× | 1.95× | ||
| Q1 25 | 1.59× | 1.51× | ||
| Q4 24 | 3.54× | 2.37× | ||
| Q3 24 | 5.70× | 1.74× | ||
| Q2 24 | 0.54× | 2.16× | ||
| Q1 24 | -1.49× | 2.00× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CMA
Segment breakdown not available.
FCFS
| US Pawn Segment | $292.2M | 58% |
| Retail POS Payment Solutions | $209.8M | 42% |
