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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and Installed Building Products, Inc. (IBP). Click either name above to swap in a different company.
Installed Building Products, Inc. is the larger business by last-quarter revenue ($747.5M vs $501.3M, roughly 1.5× FirstCash Holdings, Inc.). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 10.2%, a 10.5% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs -0.4%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 3.9%).
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.
Installed Building Products, Inc. is a leading US-based provider of professional installation services for building products. Core offerings include insulation, gutters, garage doors, fire protection systems and window treatments, serving residential new construction, repair & remodel, and commercial construction segments across most US regions.
FCFS vs IBP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $747.5M |
| Net Profit | $104.2M | $76.6M |
| Gross Margin | — | 35.0% |
| Operating Margin | 28.5% | 14.6% |
| Net Margin | 20.8% | 10.2% |
| Revenue YoY | 21.2% | -0.4% |
| Net Profit YoY | 24.7% | 14.5% |
| EPS (diluted) | $2.35 | $2.81 |
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 | $747.5M | ||
| Q3 25 | $411.0M | $778.2M | ||
| Q2 25 | $385.1M | $760.3M | ||
| Q1 25 | $371.1M | $684.8M | ||
| Q4 24 | $413.7M | $750.2M | ||
| Q3 24 | $363.1M | $760.6M | ||
| Q2 24 | $363.5M | $737.6M | ||
| Q1 24 | $366.8M | $692.9M |
| Q4 25 | $104.2M | $76.6M | ||
| Q3 25 | $82.8M | $74.4M | ||
| Q2 25 | $59.8M | $69.0M | ||
| Q1 25 | $83.6M | $45.4M | ||
| Q4 24 | $83.5M | $66.9M | ||
| Q3 24 | $64.8M | $68.6M | ||
| Q2 24 | $49.1M | $65.2M | ||
| Q1 24 | $61.4M | $55.9M |
| Q4 25 | — | 35.0% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 34.2% | ||
| Q1 25 | — | 32.7% | ||
| Q4 24 | — | 33.6% | ||
| Q3 24 | — | 33.8% | ||
| Q2 24 | — | 34.1% | ||
| Q1 24 | — | 33.8% |
| Q4 25 | 28.5% | 14.6% | ||
| Q3 25 | 27.4% | 13.7% | ||
| Q2 25 | 21.1% | 13.3% | ||
| Q1 25 | 30.0% | 10.2% | ||
| Q4 24 | 26.5% | 13.1% | ||
| Q3 24 | 23.5% | 13.3% | ||
| Q2 24 | 18.2% | 12.9% | ||
| Q1 24 | 22.3% | 12.7% |
| Q4 25 | 20.8% | 10.2% | ||
| Q3 25 | 20.1% | 9.6% | ||
| Q2 25 | 15.5% | 9.1% | ||
| Q1 25 | 22.5% | 6.6% | ||
| Q4 24 | 20.2% | 8.9% | ||
| Q3 24 | 17.9% | 9.0% | ||
| Q2 24 | 13.5% | 8.8% | ||
| Q1 24 | 16.7% | 8.1% |
| Q4 25 | $2.35 | $2.81 | ||
| Q3 25 | $1.86 | $2.74 | ||
| Q2 25 | $1.34 | $2.52 | ||
| Q1 25 | $1.87 | $1.64 | ||
| Q4 24 | $1.86 | $2.39 | ||
| Q3 24 | $1.44 | $2.44 | ||
| Q2 24 | $1.08 | $2.30 | ||
| Q1 24 | $1.35 | $1.97 |
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 | $321.9M |
| Total DebtLower is stronger | $2.2B | $886.6M |
| Stockholders' EquityBook value | $2.3B | $709.9M |
| Total Assets | $5.3B | $2.1B |
| Debt / EquityLower = less leverage | 0.98× | 1.25× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $321.9M | ||
| Q3 25 | $130.2M | $333.3M | ||
| Q2 25 | $101.5M | $305.2M | ||
| Q1 25 | $146.0M | $298.7M | ||
| Q4 24 | $175.1M | $327.6M | ||
| Q3 24 | $106.3M | $406.2M | ||
| Q2 24 | $113.7M | $380.3M | ||
| Q1 24 | $135.1M | $399.9M |
| Q4 25 | $2.2B | $886.6M | ||
| Q3 25 | $2.2B | $880.8M | ||
| Q2 25 | $1.7B | $876.1M | ||
| Q1 25 | $1.7B | $872.4M | ||
| Q4 24 | $1.7B | $874.8M | ||
| Q3 24 | $1.7B | $872.3M | ||
| Q2 24 | $1.7B | $875.8M | ||
| Q1 24 | $1.5B | $875.0M |
| Q4 25 | $2.3B | $709.9M | ||
| Q3 25 | $2.2B | $678.6M | ||
| Q2 25 | $2.1B | $664.5M | ||
| Q1 25 | $2.1B | $660.9M | ||
| Q4 24 | $2.1B | $705.3M | ||
| Q3 24 | $2.0B | $716.4M | ||
| Q2 24 | $2.0B | $685.3M | ||
| Q1 24 | $2.0B | $679.2M |
| Q4 25 | $5.3B | $2.1B | ||
| Q3 25 | $5.2B | $2.1B | ||
| Q2 25 | $4.5B | $2.0B | ||
| Q1 25 | $4.4B | $2.0B | ||
| Q4 24 | $4.5B | $2.1B | ||
| Q3 24 | $4.4B | $2.1B | ||
| Q2 24 | $4.3B | $2.0B | ||
| Q1 24 | $4.2B | $2.0B |
| Q4 25 | 0.98× | 1.25× | ||
| Q3 25 | 1.01× | 1.30× | ||
| Q2 25 | 0.79× | 1.32× | ||
| Q1 25 | 0.83× | 1.32× | ||
| Q4 24 | 0.85× | 1.24× | ||
| Q3 24 | 0.87× | 1.22× | ||
| Q2 24 | 0.85× | 1.28× | ||
| Q1 24 | 0.75× | 1.29× |
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 | $64.9M |
| Free Cash FlowOCF − Capex | — | $49.3M |
| FCF MarginFCF / Revenue | — | 6.6% |
| Capex IntensityCapex / Revenue | — | 2.1% |
| Cash ConversionOCF / Net Profit | 1.98× | 0.85× |
| TTM Free Cash FlowTrailing 4 quarters | — | $300.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $64.9M | ||
| Q3 25 | $135.8M | $124.0M | ||
| Q2 25 | $116.9M | $90.4M | ||
| Q1 25 | $126.6M | $92.1M | ||
| Q4 24 | $198.1M | $74.8M | ||
| Q3 24 | $113.1M | $101.4M | ||
| Q2 24 | $106.2M | $79.0M | ||
| Q1 24 | $122.5M | $84.8M |
| Q4 25 | — | $49.3M | ||
| Q3 25 | — | $104.8M | ||
| Q2 25 | — | $74.8M | ||
| Q1 25 | — | $71.9M | ||
| Q4 24 | — | $52.9M | ||
| Q3 24 | — | $77.3M | ||
| Q2 24 | — | $58.2M | ||
| Q1 24 | — | $63.0M |
| Q4 25 | — | 6.6% | ||
| Q3 25 | — | 13.5% | ||
| Q2 25 | — | 9.8% | ||
| Q1 25 | — | 10.5% | ||
| Q4 24 | — | 7.1% | ||
| Q3 24 | — | 10.2% | ||
| Q2 24 | — | 7.9% | ||
| Q1 24 | — | 9.1% |
| Q4 25 | — | 2.1% | ||
| Q3 25 | — | 2.5% | ||
| Q2 25 | — | 2.1% | ||
| Q1 25 | — | 2.9% | ||
| Q4 24 | — | 2.9% | ||
| Q3 24 | — | 3.2% | ||
| Q2 24 | — | 2.8% | ||
| Q1 24 | — | 3.1% |
| Q4 25 | 1.98× | 0.85× | ||
| Q3 25 | 1.64× | 1.67× | ||
| Q2 25 | 1.95× | 1.31× | ||
| Q1 25 | 1.51× | 2.03× | ||
| Q4 24 | 2.37× | 1.12× | ||
| Q3 24 | 1.74× | 1.48× | ||
| Q2 24 | 2.16× | 1.21× | ||
| Q1 24 | 2.00× | 1.52× |
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% |
IBP
| Residential New Construction | $488.6M | 65% |
| Other Customer Installation | $67.8M | 9% |
| Shower Doors Shelving And Mirrors | $53.5M | 7% |
| Other Building Products | $47.7M | 6% |
| Fireproofing And Firestopping | $37.6M | 5% |
| Rain Gutters | $31.3M | 4% |
| Window Blinds | $18.0M | 2% |
| Related Party | $6.7M | 1% |
