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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and Fidelity National Financial, Inc. (FNF). Click either name above to swap in a different company.
Fidelity National Financial, Inc. is the larger business by last-quarter revenue ($544.0M vs $501.3M, roughly 1.1× FirstCash Holdings, Inc.). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs -21.5%, a 42.3% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 10.3%). 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.
Fidelity National Financial, Inc., is an American provider of title insurance and settlement services to the real estate and mortgage industries. A Fortune 500 company, Fidelity National Financial generated approximately $8.469 billion in annual revenue in 2019 from its title and real estate-related operations. The company was the first instance of an attorney licensed by a Native American Tribe being certified as "authorized house counsel" in the state of Florida.
FCFS vs FNF — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $544.0M |
| Net Profit | $104.2M | $-117.0M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | 82.9% |
| Net Margin | 20.8% | -21.5% |
| Revenue YoY | 21.2% | 10.3% |
| Net Profit YoY | 24.7% | -126.0% |
| EPS (diluted) | $2.35 | $-0.44 |
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 | $544.0M | ||
| Q3 25 | $411.0M | $553.0M | ||
| Q2 25 | $385.1M | $547.0M | ||
| Q1 25 | $371.1M | $455.0M | ||
| Q4 24 | $413.7M | $493.0M | ||
| Q3 24 | $363.1M | $506.0M | ||
| Q2 24 | $363.5M | $504.0M | ||
| Q1 24 | $366.8M | $421.0M |
| Q4 25 | $104.2M | $-117.0M | ||
| Q3 25 | $82.8M | $358.0M | ||
| Q2 25 | $59.8M | $278.0M | ||
| Q1 25 | $83.6M | $83.0M | ||
| Q4 24 | $83.5M | $450.0M | ||
| Q3 24 | $64.8M | $266.0M | ||
| Q2 24 | $49.1M | $306.0M | ||
| Q1 24 | $61.4M | $248.0M |
| Q4 25 | 28.5% | 82.9% | ||
| Q3 25 | 27.4% | 81.9% | ||
| Q2 25 | 21.1% | 69.8% | ||
| Q1 25 | 30.0% | 24.4% | ||
| Q4 24 | 26.5% | — | ||
| Q3 24 | 23.5% | 61.9% | ||
| Q2 24 | 18.2% | 90.9% | ||
| Q1 24 | 22.3% | 78.6% |
| Q4 25 | 20.8% | -21.5% | ||
| Q3 25 | 20.1% | 64.7% | ||
| Q2 25 | 15.5% | 50.8% | ||
| Q1 25 | 22.5% | 18.2% | ||
| Q4 24 | 20.2% | 91.3% | ||
| Q3 24 | 17.9% | 52.6% | ||
| Q2 24 | 13.5% | 60.7% | ||
| Q1 24 | 16.7% | 58.9% |
| Q4 25 | $2.35 | $-0.44 | ||
| Q3 25 | $1.86 | $1.33 | ||
| Q2 25 | $1.34 | $1.02 | ||
| Q1 25 | $1.87 | $0.30 | ||
| Q4 24 | $1.86 | $1.65 | ||
| Q3 24 | $1.44 | $0.97 | ||
| Q2 24 | $1.08 | $1.12 | ||
| Q1 24 | $1.35 | $0.91 |
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 | $2.6B |
| Total DebtLower is stronger | $2.2B | $4.4B |
| Stockholders' EquityBook value | $2.3B | $7.4B |
| Total Assets | $5.3B | $109.0B |
| Debt / EquityLower = less leverage | 0.98× | 0.59× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $2.6B | ||
| Q3 25 | $130.2M | $3.5B | ||
| Q2 25 | $101.5M | $3.3B | ||
| Q1 25 | $146.0M | $4.5B | ||
| Q4 24 | $175.1M | $3.5B | ||
| Q3 24 | $106.3M | $5.0B | ||
| Q2 24 | $113.7M | $4.9B | ||
| Q1 24 | $135.1M | $3.5B |
| Q4 25 | $2.2B | $4.4B | ||
| Q3 25 | $2.2B | $4.4B | ||
| Q2 25 | $1.7B | $4.4B | ||
| Q1 25 | $1.7B | $4.4B | ||
| Q4 24 | $1.7B | $4.3B | ||
| Q3 24 | $1.7B | $4.2B | ||
| Q2 24 | $1.7B | $4.2B | ||
| Q1 24 | $1.5B | $3.9B |
| Q4 25 | $2.3B | $7.4B | ||
| Q3 25 | $2.2B | $8.4B | ||
| Q2 25 | $2.1B | $7.9B | ||
| Q1 25 | $2.1B | $7.9B | ||
| Q4 24 | $2.1B | $7.8B | ||
| Q3 24 | $2.0B | $8.1B | ||
| Q2 24 | $2.0B | $7.3B | ||
| Q1 24 | $2.0B | $7.1B |
| Q4 25 | $5.3B | $109.0B | ||
| Q3 25 | $5.2B | $106.6B | ||
| Q2 25 | $4.5B | $102.3B | ||
| Q1 25 | $4.4B | $98.2B | ||
| Q4 24 | $4.5B | $95.4B | ||
| Q3 24 | $4.4B | $94.7B | ||
| Q2 24 | $4.3B | $88.8B | ||
| Q1 24 | $4.2B | $84.5B |
| Q4 25 | 0.98× | 0.59× | ||
| Q3 25 | 1.01× | 0.53× | ||
| Q2 25 | 0.79× | 0.56× | ||
| Q1 25 | 0.83× | 0.56× | ||
| Q4 24 | 0.85× | 0.56× | ||
| Q3 24 | 0.87× | 0.52× | ||
| Q2 24 | 0.85× | 0.58× | ||
| Q1 24 | 0.75× | 0.55× |
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 | $1.5B |
| 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 | $206.6M | $1.5B | ||
| Q3 25 | $135.8M | $1.3B | ||
| Q2 25 | $116.9M | $1.9B | ||
| Q1 25 | $126.6M | $1.1B | ||
| Q4 24 | $198.1M | $1.5B | ||
| Q3 24 | $113.1M | $2.4B | ||
| Q2 24 | $106.2M | $1.4B | ||
| Q1 24 | $122.5M | $1.6B |
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | 3.66× | ||
| Q2 25 | 1.95× | 6.82× | ||
| Q1 25 | 1.51× | 13.43× | ||
| Q4 24 | 2.37× | 3.32× | ||
| Q3 24 | 1.74× | 8.89× | ||
| Q2 24 | 2.16× | 4.45× | ||
| Q1 24 | 2.00× | 6.42× |
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% |
FNF
| Escrow Fees | $241.0M | 44% |
| Other Title Related Fees And Income | $182.0M | 33% |
| Service Link Excluding Title Premiums Escrow Fees And Subservicing Fees | $87.0M | 16% |
| Insurance Contracts Home Warranty | $31.0M | 6% |
