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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and FIRST INTERSTATE BANCSYSTEM INC (FIBK). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $313.0M, roughly 1.6× FIRST INTERSTATE BANCSYSTEM INC). FIRST INTERSTATE BANCSYSTEM INC runs the higher net margin — 34.8% vs 20.8%, a 14.0% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 19.8%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 13.7%).
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.
First Interstate BancSystem, Inc. is a financial holding company headquartered in Billings, Montana. It is the parent company of First Interstate Bank, a community bank with locations throughout 14 states within the Western and Midwestern United States. It is the largest bank based in Montana, as measured by total assets.
FCFS vs FIBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $313.0M |
| Net Profit | $104.2M | $108.8M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | 44.5% |
| Net Margin | 20.8% | 34.8% |
| Revenue YoY | 21.2% | 19.8% |
| Net Profit YoY | 24.7% | 108.8% |
| EPS (diluted) | $2.35 | $1.07 |
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 | $313.0M | ||
| Q3 25 | $411.0M | $250.5M | ||
| Q2 25 | $385.1M | $248.3M | ||
| Q1 25 | $371.1M | $247.0M | ||
| Q4 24 | $413.7M | $261.3M | ||
| Q3 24 | $363.1M | $251.9M | ||
| Q2 24 | $363.5M | $244.3M | ||
| Q1 24 | $366.8M | $242.2M |
| Q4 25 | $104.2M | $108.8M | ||
| Q3 25 | $82.8M | $71.4M | ||
| Q2 25 | $59.8M | $71.7M | ||
| Q1 25 | $83.6M | $50.2M | ||
| Q4 24 | $83.5M | $52.1M | ||
| Q3 24 | $64.8M | $55.5M | ||
| Q2 24 | $49.1M | $60.0M | ||
| Q1 24 | $61.4M | $58.4M |
| Q4 25 | 28.5% | 44.5% | ||
| Q3 25 | 27.4% | 37.0% | ||
| Q2 25 | 21.1% | 37.7% | ||
| Q1 25 | 30.0% | 26.9% | ||
| Q4 24 | 26.5% | 25.5% | ||
| Q3 24 | 23.5% | 28.9% | ||
| Q2 24 | 18.2% | 32.1% | ||
| Q1 24 | 22.3% | 31.7% |
| Q4 25 | 20.8% | 34.8% | ||
| Q3 25 | 20.1% | 28.5% | ||
| Q2 25 | 15.5% | 28.9% | ||
| Q1 25 | 22.5% | 20.3% | ||
| Q4 24 | 20.2% | 19.9% | ||
| Q3 24 | 17.9% | 22.0% | ||
| Q2 24 | 13.5% | 24.6% | ||
| Q1 24 | 16.7% | 24.1% |
| Q4 25 | $2.35 | $1.07 | ||
| Q3 25 | $1.86 | $0.69 | ||
| Q2 25 | $1.34 | $0.69 | ||
| Q1 25 | $1.87 | $0.49 | ||
| Q4 24 | $1.86 | $0.50 | ||
| Q3 24 | $1.44 | $0.54 | ||
| Q2 24 | $1.08 | $0.58 | ||
| Q1 24 | $1.35 | $0.57 |
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 | $2.2B | $146.3M |
| Stockholders' EquityBook value | $2.3B | $3.4B |
| Total Assets | $5.3B | $26.6B |
| Debt / EquityLower = less leverage | 0.98× | 0.04× |
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 | $146.3M | ||
| Q3 25 | $2.2B | $146.2M | ||
| Q2 25 | $1.7B | $252.0M | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | $132.2M | ||
| Q3 24 | $1.7B | $137.3M | ||
| Q2 24 | $1.7B | $383.4M | ||
| Q1 24 | $1.5B | $370.8M |
| Q4 25 | $2.3B | $3.4B | ||
| Q3 25 | $2.2B | $3.4B | ||
| Q2 25 | $2.1B | $3.4B | ||
| Q1 25 | $2.1B | $3.4B | ||
| Q4 24 | $2.1B | $3.3B | ||
| Q3 24 | $2.0B | $3.4B | ||
| Q2 24 | $2.0B | $3.2B | ||
| Q1 24 | $2.0B | $3.2B |
| Q4 25 | $5.3B | $26.6B | ||
| Q3 25 | $5.2B | $27.3B | ||
| Q2 25 | $4.5B | $27.6B | ||
| Q1 25 | $4.4B | $28.3B | ||
| Q4 24 | $4.5B | $29.1B | ||
| Q3 24 | $4.4B | $29.6B | ||
| Q2 24 | $4.3B | $30.3B | ||
| Q1 24 | $4.2B | $30.1B |
| Q4 25 | 0.98× | 0.04× | ||
| Q3 25 | 1.01× | 0.04× | ||
| Q2 25 | 0.79× | 0.07× | ||
| Q1 25 | 0.83× | — | ||
| Q4 24 | 0.85× | 0.04× | ||
| Q3 24 | 0.87× | 0.04× | ||
| Q2 24 | 0.85× | 0.12× | ||
| Q1 24 | 0.75× | 0.12× |
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 | $206.6M | $305.6M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 1.98× | 2.81× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $305.6M | ||
| Q3 25 | $135.8M | $91.7M | ||
| Q2 25 | $116.9M | $68.1M | ||
| Q1 25 | $126.6M | $78.5M | ||
| Q4 24 | $198.1M | $355.0M | ||
| Q3 24 | $113.1M | $89.9M | ||
| Q2 24 | $106.2M | $82.3M | ||
| Q1 24 | $122.5M | $87.6M |
| Q4 25 | 1.98× | 2.81× | ||
| Q3 25 | 1.64× | 1.28× | ||
| Q2 25 | 1.95× | 0.95× | ||
| Q1 25 | 1.51× | 1.56× | ||
| Q4 24 | 2.37× | 6.81× | ||
| Q3 24 | 1.74× | 1.62× | ||
| Q2 24 | 2.16× | 1.37× | ||
| Q1 24 | 2.00× | 1.50× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FCFS
| US Pawn Segment | $292.2M | 58% |
| Retail POS Payment Solutions | $209.8M | 42% |
FIBK
Segment breakdown not available.
