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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and MARINEMAX INC (HZO). Click either name above to swap in a different company.
MARINEMAX INC is the larger business by last-quarter revenue ($505.2M vs $501.3M, roughly 1.0× FirstCash Holdings, Inc.). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs -1.6%, a 22.4% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 7.8%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs -6.9%).
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.
MarineMax Inc. is a leading recreational boat and yacht retailer primarily operating in the United States. It offers new and pre-owned leisure vessels, alongside related services including maintenance, repair, financing, insurance coverage, yacht chartering, and boating lifestyle events, catering to private boating enthusiasts across North America.
FCFS vs HZO — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $505.2M |
| Net Profit | $104.2M | $-7.9M |
| Gross Margin | — | 31.8% |
| Operating Margin | 28.5% | 1.0% |
| Net Margin | 20.8% | -1.6% |
| Revenue YoY | 21.2% | 7.8% |
| Net Profit YoY | 24.7% | -143.9% |
| EPS (diluted) | $2.35 | $-0.36 |
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 | $505.2M | ||
| Q3 25 | $411.0M | $552.2M | ||
| Q2 25 | $385.1M | $657.2M | ||
| Q1 25 | $371.1M | $631.5M | ||
| Q4 24 | $413.7M | $468.5M | ||
| Q3 24 | $363.1M | $563.1M | ||
| Q2 24 | $363.5M | $757.7M | ||
| Q1 24 | $366.8M | $582.9M |
| Q4 25 | $104.2M | $-7.9M | ||
| Q3 25 | $82.8M | $-851.0K | ||
| Q2 25 | $59.8M | $-52.1M | ||
| Q1 25 | $83.6M | $3.3M | ||
| Q4 24 | $83.5M | $18.1M | ||
| Q3 24 | $64.8M | $4.0M | ||
| Q2 24 | $49.1M | $31.6M | ||
| Q1 24 | $61.4M | $1.6M |
| Q4 25 | — | 31.8% | ||
| Q3 25 | — | 34.7% | ||
| Q2 25 | — | 30.4% | ||
| Q1 25 | — | 30.0% | ||
| Q4 24 | — | 36.2% | ||
| Q3 24 | — | 34.3% | ||
| Q2 24 | — | 32.0% | ||
| Q1 24 | — | 32.7% |
| Q4 25 | 28.5% | 1.0% | ||
| Q3 25 | 27.4% | 2.5% | ||
| Q2 25 | 21.1% | -6.3% | ||
| Q1 25 | 30.0% | 3.6% | ||
| Q4 24 | 26.5% | 8.3% | ||
| Q3 24 | 23.5% | 4.8% | ||
| Q2 24 | 18.2% | 8.1% | ||
| Q1 24 | 22.3% | 3.7% |
| Q4 25 | 20.8% | -1.6% | ||
| Q3 25 | 20.1% | -0.2% | ||
| Q2 25 | 15.5% | -7.9% | ||
| Q1 25 | 22.5% | 0.5% | ||
| Q4 24 | 20.2% | 3.9% | ||
| Q3 24 | 17.9% | 0.7% | ||
| Q2 24 | 13.5% | 4.2% | ||
| Q1 24 | 16.7% | 0.3% |
| Q4 25 | $2.35 | $-0.36 | ||
| Q3 25 | $1.86 | $0.08 | ||
| Q2 25 | $1.34 | $-2.42 | ||
| Q1 25 | $1.87 | $0.14 | ||
| Q4 24 | $1.86 | $0.77 | ||
| Q3 24 | $1.44 | $0.17 | ||
| Q2 24 | $1.08 | $1.37 | ||
| Q1 24 | $1.35 | $0.07 |
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 | $164.6M |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $2.3B | $932.8M |
| Total Assets | $5.3B | $2.4B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $164.6M | ||
| Q3 25 | $130.2M | $170.4M | ||
| Q2 25 | $101.5M | $151.0M | ||
| Q1 25 | $146.0M | $203.5M | ||
| Q4 24 | $175.1M | $145.0M | ||
| Q3 24 | $106.3M | $224.3M | ||
| Q2 24 | $113.7M | $242.4M | ||
| Q1 24 | $135.1M | $216.7M |
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.2B | $393.2M | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $1.7B | $391.2M | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.5B | — |
| Q4 25 | $2.3B | $932.8M | ||
| Q3 25 | $2.2B | $937.2M | ||
| Q2 25 | $2.1B | $940.5M | ||
| Q1 25 | $2.1B | $993.4M | ||
| Q4 24 | $2.1B | $993.5M | ||
| Q3 24 | $2.0B | $975.8M | ||
| Q2 24 | $2.0B | $967.6M | ||
| Q1 24 | $2.0B | $931.3M |
| Q4 25 | $5.3B | $2.4B | ||
| Q3 25 | $5.2B | $2.5B | ||
| Q2 25 | $4.5B | $2.5B | ||
| Q1 25 | $4.4B | $2.7B | ||
| Q4 24 | $4.5B | $2.6B | ||
| Q3 24 | $4.4B | $2.6B | ||
| Q2 24 | $4.3B | $2.6B | ||
| Q1 24 | $4.2B | $2.6B |
| Q4 25 | 0.98× | — | ||
| Q3 25 | 1.01× | 0.42× | ||
| Q2 25 | 0.79× | — | ||
| Q1 25 | 0.83× | — | ||
| Q4 24 | 0.85× | — | ||
| Q3 24 | 0.87× | 0.40× | ||
| Q2 24 | 0.85× | — | ||
| Q1 24 | 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 | $206.6M | $16.9M |
| Free Cash FlowOCF − Capex | — | $8.3M |
| FCF MarginFCF / Revenue | — | 1.7% |
| Capex IntensityCapex / Revenue | — | 1.7% |
| Cash ConversionOCF / Net Profit | 1.98× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $184.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $16.9M | ||
| Q3 25 | $135.8M | $61.5M | ||
| Q2 25 | $116.9M | $84.9M | ||
| Q1 25 | $126.6M | $72.5M | ||
| Q4 24 | $198.1M | $-146.1M | ||
| Q3 24 | $113.1M | $-782.0K | ||
| Q2 24 | $106.2M | $86.3M | ||
| Q1 24 | $122.5M | $-22.1M |
| Q4 25 | — | $8.3M | ||
| Q3 25 | — | $48.0M | ||
| Q2 25 | — | $68.5M | ||
| Q1 25 | — | $59.8M | ||
| Q4 24 | — | $-164.4M | ||
| Q3 24 | — | $-17.5M | ||
| Q2 24 | — | $71.1M | ||
| Q1 24 | — | $-37.3M |
| Q4 25 | — | 1.7% | ||
| Q3 25 | — | 8.7% | ||
| Q2 25 | — | 10.4% | ||
| Q1 25 | — | 9.5% | ||
| Q4 24 | — | -35.1% | ||
| Q3 24 | — | -3.1% | ||
| Q2 24 | — | 9.4% | ||
| Q1 24 | — | -6.4% |
| Q4 25 | — | 1.7% | ||
| Q3 25 | — | 2.4% | ||
| Q2 25 | — | 2.5% | ||
| Q1 25 | — | 2.0% | ||
| Q4 24 | — | 3.9% | ||
| Q3 24 | — | 3.0% | ||
| Q2 24 | — | 2.0% | ||
| Q1 24 | — | 2.6% |
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | — | ||
| Q2 25 | 1.95× | — | ||
| Q1 25 | 1.51× | 21.97× | ||
| Q4 24 | 2.37× | -8.09× | ||
| Q3 24 | 1.74× | -0.20× | ||
| Q2 24 | 2.16× | 2.74× | ||
| Q1 24 | 2.00× | -13.92× |
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% |
HZO
Segment breakdown not available.
