vs
Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and WARRIOR MET COAL, INC. (HCC). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $384.0M, roughly 1.3× WARRIOR MET COAL, INC.). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 6.0%, a 14.8% gap on every dollar of revenue. On growth, WARRIOR MET COAL, INC. posted the faster year-over-year revenue change (29.1% vs 21.2%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs -12.7%).
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.
Warrior Met Coal, Inc. (ticker HCC) is a U.S.-headquartered mining enterprise that produces and distributes high-grade metallurgical coal, a key raw material for steel production. It serves steel manufacturers and industrial clients across core markets including North America, Europe, and Asia.
FCFS vs HCC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $384.0M |
| Net Profit | $104.2M | $23.0M |
| Gross Margin | — | 29.5% |
| Operating Margin | 28.5% | 9.0% |
| Net Margin | 20.8% | 6.0% |
| Revenue YoY | 21.2% | 29.1% |
| Net Profit YoY | 24.7% | 1919.5% |
| EPS (diluted) | $2.35 | $0.43 |
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 | $384.0M | ||
| Q3 25 | $411.0M | $328.6M | ||
| Q2 25 | $385.1M | $297.5M | ||
| Q1 25 | $371.1M | $299.9M | ||
| Q4 24 | $413.7M | $297.5M | ||
| Q3 24 | $363.1M | $327.7M | ||
| Q2 24 | $363.5M | $396.5M | ||
| Q1 24 | $366.8M | $503.5M |
| Q4 25 | $104.2M | $23.0M | ||
| Q3 25 | $82.8M | $36.6M | ||
| Q2 25 | $59.8M | $5.6M | ||
| Q1 25 | $83.6M | $-8.2M | ||
| Q4 24 | $83.5M | $1.1M | ||
| Q3 24 | $64.8M | $41.8M | ||
| Q2 24 | $49.1M | $70.7M | ||
| Q1 24 | $61.4M | $137.0M |
| Q4 25 | — | 29.5% | ||
| Q3 25 | — | 27.1% | ||
| Q2 25 | — | 23.9% | ||
| Q1 25 | — | 18.1% | ||
| Q4 24 | — | 23.1% | ||
| Q3 24 | — | 29.3% | ||
| Q2 24 | — | 34.1% | ||
| Q1 24 | — | 43.3% |
| Q4 25 | 28.5% | 9.0% | ||
| Q3 25 | 27.4% | 6.3% | ||
| Q2 25 | 21.1% | 2.6% | ||
| Q1 25 | 30.0% | -5.8% | ||
| Q4 24 | 26.5% | -1.4% | ||
| Q3 24 | 23.5% | 11.9% | ||
| Q2 24 | 18.2% | 17.9% | ||
| Q1 24 | 22.3% | 29.6% |
| Q4 25 | 20.8% | 6.0% | ||
| Q3 25 | 20.1% | 11.1% | ||
| Q2 25 | 15.5% | 1.9% | ||
| Q1 25 | 22.5% | -2.7% | ||
| Q4 24 | 20.2% | 0.4% | ||
| Q3 24 | 17.9% | 12.7% | ||
| Q2 24 | 13.5% | 17.8% | ||
| Q1 24 | 16.7% | 27.2% |
| Q4 25 | $2.35 | $0.43 | ||
| Q3 25 | $1.86 | $0.70 | ||
| Q2 25 | $1.34 | $0.11 | ||
| Q1 25 | $1.87 | $-0.16 | ||
| Q4 24 | $1.86 | $0.02 | ||
| Q3 24 | $1.44 | $0.80 | ||
| Q2 24 | $1.08 | $1.35 | ||
| Q1 24 | $1.35 | $2.62 |
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 | $300.0M |
| Total DebtLower is stronger | $2.2B | $154.3M |
| Stockholders' EquityBook value | $2.3B | $2.1B |
| Total Assets | $5.3B | $2.8B |
| Debt / EquityLower = less leverage | 0.98× | 0.07× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $300.0M | ||
| Q3 25 | $130.2M | $336.3M | ||
| Q2 25 | $101.5M | $383.3M | ||
| Q1 25 | $146.0M | $454.9M | ||
| Q4 24 | $175.1M | $491.5M | ||
| Q3 24 | $106.3M | $583.2M | ||
| Q2 24 | $113.7M | $709.0M | ||
| Q1 24 | $135.1M | $693.9M |
| Q4 25 | $2.2B | $154.3M | ||
| Q3 25 | $2.2B | $154.1M | ||
| Q2 25 | $1.7B | $153.9M | ||
| Q1 25 | $1.7B | $153.8M | ||
| Q4 24 | $1.7B | $153.6M | ||
| Q3 24 | $1.7B | $153.5M | ||
| Q2 24 | $1.7B | $153.3M | ||
| Q1 24 | $1.5B | $153.2M |
| Q4 25 | $2.3B | $2.1B | ||
| Q3 25 | $2.2B | $2.1B | ||
| Q2 25 | $2.1B | $2.1B | ||
| Q1 25 | $2.1B | $2.1B | ||
| Q4 24 | $2.1B | $2.1B | ||
| Q3 24 | $2.0B | $2.1B | ||
| Q2 24 | $2.0B | $2.0B | ||
| Q1 24 | $2.0B | $2.0B |
| Q4 25 | $5.3B | $2.8B | ||
| Q3 25 | $5.2B | $2.7B | ||
| Q2 25 | $4.5B | $2.6B | ||
| Q1 25 | $4.4B | $2.6B | ||
| Q4 24 | $4.5B | $2.6B | ||
| Q3 24 | $4.4B | $2.6B | ||
| Q2 24 | $4.3B | $2.6B | ||
| Q1 24 | $4.2B | $2.5B |
| Q4 25 | 0.98× | 0.07× | ||
| Q3 25 | 1.01× | 0.07× | ||
| Q2 25 | 0.79× | 0.07× | ||
| Q1 25 | 0.83× | 0.07× | ||
| Q4 24 | 0.85× | 0.07× | ||
| Q3 24 | 0.87× | 0.07× | ||
| Q2 24 | 0.85× | 0.07× | ||
| Q1 24 | 0.75× | 0.08× |
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 | $76.1M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 1.98× | 3.31× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $76.1M | ||
| Q3 25 | $135.8M | $104.7M | ||
| Q2 25 | $116.9M | $37.5M | ||
| Q1 25 | $126.6M | $10.9M | ||
| Q4 24 | $198.1M | $54.2M | ||
| Q3 24 | $113.1M | $62.2M | ||
| Q2 24 | $106.2M | $147.0M | ||
| Q1 24 | $122.5M | $104.1M |
| Q4 25 | 1.98× | 3.31× | ||
| Q3 25 | 1.64× | 2.86× | ||
| Q2 25 | 1.95× | 6.70× | ||
| Q1 25 | 1.51× | — | ||
| Q4 24 | 2.37× | 47.68× | ||
| Q3 24 | 1.74× | 1.49× | ||
| Q2 24 | 2.16× | 2.08× | ||
| Q1 24 | 2.00× | 0.76× |
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% |
HCC
| Mining Segment | $373.6M | 97% |
| Other | $10.4M | 3% |
