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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and Hilltop Holdings Inc. (HTH). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $300.5M, roughly 1.7× Hilltop Holdings Inc.). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 13.0%, a 7.8% gap on every dollar of revenue. Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 0.6%).
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.
Hilltop Holdings Inc. is a financial holding company based in Dallas, Texas. It offers financial products and banking services through three primary subsidiaries: PlainsCapital Bank, PrimeLending, and HilltopSecurities.
FCFS vs HTH — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $300.5M |
| Net Profit | $104.2M | $39.0M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | — |
| Net Margin | 20.8% | 13.0% |
| Revenue YoY | 21.2% | — |
| Net Profit YoY | 24.7% | -12.4% |
| EPS (diluted) | $2.35 | $0.64 |
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.
| Q1 26 | — | $300.5M | ||
| Q4 25 | $501.3M | $329.9M | ||
| Q3 25 | $411.0M | $330.2M | ||
| Q2 25 | $385.1M | $303.3M | ||
| Q1 25 | $371.1M | $318.5M | ||
| Q4 24 | $413.7M | $301.1M | ||
| Q3 24 | $363.1M | $305.5M | ||
| Q2 24 | $363.5M | $297.0M |
| Q1 26 | — | $39.0M | ||
| Q4 25 | $104.2M | $41.6M | ||
| Q3 25 | $82.8M | $45.8M | ||
| Q2 25 | $59.8M | $36.1M | ||
| Q1 25 | $83.6M | $42.1M | ||
| Q4 24 | $83.5M | $35.5M | ||
| Q3 24 | $64.8M | $29.7M | ||
| Q2 24 | $49.1M | $20.3M |
| Q1 26 | — | — | ||
| Q4 25 | 28.5% | 16.1% | ||
| Q3 25 | 27.4% | 18.4% | ||
| Q2 25 | 21.1% | 16.3% | ||
| Q1 25 | 30.0% | 18.1% | ||
| Q4 24 | 26.5% | 14.7% | ||
| Q3 24 | 23.5% | 13.9% | ||
| Q2 24 | 18.2% | 10.0% |
| Q1 26 | — | 13.0% | ||
| Q4 25 | 20.8% | 12.6% | ||
| Q3 25 | 20.1% | 13.9% | ||
| Q2 25 | 15.5% | 11.9% | ||
| Q1 25 | 22.5% | 13.2% | ||
| Q4 24 | 20.2% | 11.8% | ||
| Q3 24 | 17.9% | 9.7% | ||
| Q2 24 | 13.5% | 6.8% |
| Q1 26 | — | $0.64 | ||
| Q4 25 | $2.35 | $0.68 | ||
| Q3 25 | $1.86 | $0.74 | ||
| Q2 25 | $1.34 | $0.57 | ||
| Q1 25 | $1.87 | $0.65 | ||
| Q4 24 | $1.86 | $0.55 | ||
| Q3 24 | $1.44 | $0.46 | ||
| Q2 24 | $1.08 | $0.31 |
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 | $990.8M |
| Stockholders' EquityBook value | $2.3B | $2.2B |
| Total Assets | $5.3B | $15.7B |
| Debt / EquityLower = less leverage | 0.98× | 0.46× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| 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 26 | — | $990.8M | ||
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | — |
| Q1 26 | — | $2.2B | ||
| Q4 25 | $2.3B | $2.2B | ||
| Q3 25 | $2.2B | $2.2B | ||
| Q2 25 | $2.1B | $2.2B | ||
| Q1 25 | $2.1B | $2.2B | ||
| Q4 24 | $2.1B | $2.2B | ||
| Q3 24 | $2.0B | $2.2B | ||
| Q2 24 | $2.0B | $2.1B |
| Q1 26 | — | $15.7B | ||
| Q4 25 | $5.3B | $15.8B | ||
| Q3 25 | $5.2B | $15.6B | ||
| Q2 25 | $4.5B | $15.4B | ||
| Q1 25 | $4.4B | $15.8B | ||
| Q4 24 | $4.5B | $16.3B | ||
| Q3 24 | $4.4B | $15.9B | ||
| Q2 24 | $4.3B | $15.6B |
| Q1 26 | — | 0.46× | ||
| Q4 25 | 0.98× | — | ||
| Q3 25 | 1.01× | — | ||
| Q2 25 | 0.79× | — | ||
| Q1 25 | 0.83× | — | ||
| Q4 24 | 0.85× | — | ||
| Q3 24 | 0.87× | — | ||
| Q2 24 | 0.85× | — |
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 | — |
| 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.
| Q1 26 | — | — | ||
| Q4 25 | $206.6M | $-38.7M | ||
| Q3 25 | $135.8M | $273.0M | ||
| Q2 25 | $116.9M | $-234.6M | ||
| Q1 25 | $126.6M | $5.8M | ||
| Q4 24 | $198.1M | $273.9M | ||
| Q3 24 | $113.1M | $515.6M | ||
| Q2 24 | $106.2M | $-435.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | $-55.5M | ||
| Q3 25 | — | $271.0M | ||
| Q2 25 | — | $-234.6M | ||
| Q1 25 | — | $5.0M | ||
| Q4 24 | — | $266.8M | ||
| Q3 24 | — | $513.8M | ||
| Q2 24 | — | $-437.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | -16.8% | ||
| Q3 25 | — | 82.1% | ||
| Q2 25 | — | -77.4% | ||
| Q1 25 | — | 1.6% | ||
| Q4 24 | — | 88.6% | ||
| Q3 24 | — | 168.2% | ||
| Q2 24 | — | -147.2% |
| Q1 26 | — | — | ||
| Q4 25 | — | 5.1% | ||
| Q3 25 | — | 0.6% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 2.4% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 0.7% |
| Q1 26 | — | — | ||
| Q4 25 | 1.98× | -0.93× | ||
| Q3 25 | 1.64× | 5.96× | ||
| Q2 25 | 1.95× | -6.50× | ||
| Q1 25 | 1.51× | 0.14× | ||
| Q4 24 | 2.37× | 7.71× | ||
| Q3 24 | 1.74× | 17.36× | ||
| Q2 24 | 2.16× | -21.41× |
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% |
HTH
| Noninterest Income | $188.4M | 63% |
| Net Interest Income | $112.1M | 37% |
