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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and ICF International, Inc. (ICFI). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $443.7M, roughly 1.1× ICF International, Inc.). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 3.9%, a 16.9% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs -10.6%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs -5.3%).
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.
ICF International, Inc. is an American publicly traded consulting and technology services company based in Reston, Virginia.
FCFS vs ICFI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $443.7M |
| Net Profit | $104.2M | $17.3M |
| Gross Margin | — | 35.7% |
| Operating Margin | 28.5% | 6.5% |
| Net Margin | 20.8% | 3.9% |
| Revenue YoY | 21.2% | -10.6% |
| Net Profit YoY | 24.7% | -29.5% |
| EPS (diluted) | $2.35 | $0.95 |
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 | $443.7M | ||
| Q3 25 | $411.0M | $465.4M | ||
| Q2 25 | $385.1M | $476.2M | ||
| Q1 25 | $371.1M | $487.6M | ||
| Q4 24 | $413.7M | $496.3M | ||
| Q3 24 | $363.1M | $517.0M | ||
| Q2 24 | $363.5M | $512.0M | ||
| Q1 24 | $366.8M | $494.4M |
| Q4 25 | $104.2M | $17.3M | ||
| Q3 25 | $82.8M | $23.8M | ||
| Q2 25 | $59.8M | $23.7M | ||
| Q1 25 | $83.6M | $26.9M | ||
| Q4 24 | $83.5M | $24.6M | ||
| Q3 24 | $64.8M | $32.7M | ||
| Q2 24 | $49.1M | $25.6M | ||
| Q1 24 | $61.4M | $27.3M |
| Q4 25 | — | 35.7% | ||
| Q3 25 | — | 37.6% | ||
| Q2 25 | — | 37.3% | ||
| Q1 25 | — | 38.0% | ||
| Q4 24 | — | 36.1% | ||
| Q3 24 | — | 37.1% | ||
| Q2 24 | — | 35.7% | ||
| Q1 24 | — | 37.2% |
| Q4 25 | 28.5% | 6.5% | ||
| Q3 25 | 27.4% | 8.3% | ||
| Q2 25 | 21.1% | 8.4% | ||
| Q1 25 | 30.0% | 7.9% | ||
| Q4 24 | 26.5% | 7.3% | ||
| Q3 24 | 23.5% | 8.9% | ||
| Q2 24 | 18.2% | 8.3% | ||
| Q1 24 | 22.3% | 8.3% |
| Q4 25 | 20.8% | 3.9% | ||
| Q3 25 | 20.1% | 5.1% | ||
| Q2 25 | 15.5% | 5.0% | ||
| Q1 25 | 22.5% | 5.5% | ||
| Q4 24 | 20.2% | 4.9% | ||
| Q3 24 | 17.9% | 6.3% | ||
| Q2 24 | 13.5% | 5.0% | ||
| Q1 24 | 16.7% | 5.5% |
| Q4 25 | $2.35 | $0.95 | ||
| Q3 25 | $1.86 | $1.28 | ||
| Q2 25 | $1.34 | $1.28 | ||
| Q1 25 | $1.87 | $1.44 | ||
| Q4 24 | $1.86 | $1.29 | ||
| Q3 24 | $1.44 | $1.73 | ||
| Q2 24 | $1.08 | $1.36 | ||
| Q1 24 | $1.35 | $1.44 |
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 | $5.3M |
| Total DebtLower is stronger | $2.2B | $401.4M |
| Stockholders' EquityBook value | $2.3B | $1.0B |
| Total Assets | $5.3B | $2.1B |
| Debt / EquityLower = less leverage | 0.98× | 0.39× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $5.3M | ||
| Q3 25 | $130.2M | $4.0M | ||
| Q2 25 | $101.5M | $7.0M | ||
| Q1 25 | $146.0M | $5.7M | ||
| Q4 24 | $175.1M | $5.0M | ||
| Q3 24 | $106.3M | $6.9M | ||
| Q2 24 | $113.7M | $4.1M | ||
| Q1 24 | $135.1M | $3.7M |
| Q4 25 | $2.2B | $401.4M | ||
| Q3 25 | $2.2B | $449.4M | ||
| Q2 25 | $1.7B | $462.3M | ||
| Q1 25 | $1.7B | $502.0M | ||
| Q4 24 | $1.7B | $411.7M | ||
| Q3 24 | $1.7B | $419.1M | ||
| Q2 24 | $1.7B | $433.9M | ||
| Q1 24 | $1.5B | $474.7M |
| Q4 25 | $2.3B | $1.0B | ||
| Q3 25 | $2.2B | $1.0B | ||
| Q2 25 | $2.1B | $1.0B | ||
| Q1 25 | $2.1B | $968.9M | ||
| Q4 24 | $2.1B | $982.5M | ||
| Q3 24 | $2.0B | $976.3M | ||
| Q2 24 | $2.0B | $943.3M | ||
| Q1 24 | $2.0B | $916.1M |
| Q4 25 | $5.3B | $2.1B | ||
| Q3 25 | $5.2B | $2.1B | ||
| Q2 25 | $4.5B | $2.1B | ||
| Q1 25 | $4.4B | $2.1B | ||
| Q4 24 | $4.5B | $2.1B | ||
| Q3 24 | $4.4B | $2.0B | ||
| Q2 24 | $4.3B | $2.0B | ||
| Q1 24 | $4.2B | $2.0B |
| Q4 25 | 0.98× | 0.39× | ||
| Q3 25 | 1.01× | 0.44× | ||
| Q2 25 | 0.79× | 0.46× | ||
| Q1 25 | 0.83× | 0.52× | ||
| Q4 24 | 0.85× | 0.42× | ||
| Q3 24 | 0.87× | 0.43× | ||
| Q2 24 | 0.85× | 0.46× | ||
| Q1 24 | 0.75× | 0.52× |
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 | $75.6M |
| Free Cash FlowOCF − Capex | — | $68.7M |
| FCF MarginFCF / Revenue | — | 15.5% |
| Capex IntensityCapex / Revenue | — | 1.6% |
| Cash ConversionOCF / Net Profit | 1.98× | 4.37× |
| TTM Free Cash FlowTrailing 4 quarters | — | $120.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $75.6M | ||
| Q3 25 | $135.8M | $47.3M | ||
| Q2 25 | $116.9M | $52.0M | ||
| Q1 25 | $126.6M | $-33.0M | ||
| Q4 24 | $198.1M | $95.4M | ||
| Q3 24 | $113.1M | $25.5M | ||
| Q2 24 | $106.2M | $60.6M | ||
| Q1 24 | $122.5M | $-10.0M |
| Q4 25 | — | $68.7M | ||
| Q3 25 | — | $41.8M | ||
| Q2 25 | — | $46.2M | ||
| Q1 25 | — | $-36.5M | ||
| Q4 24 | — | $89.5M | ||
| Q3 24 | — | $20.4M | ||
| Q2 24 | — | $55.5M | ||
| Q1 24 | — | $-15.2M |
| Q4 25 | — | 15.5% | ||
| Q3 25 | — | 9.0% | ||
| Q2 25 | — | 9.7% | ||
| Q1 25 | — | -7.5% | ||
| Q4 24 | — | 18.0% | ||
| Q3 24 | — | 3.9% | ||
| Q2 24 | — | 10.8% | ||
| Q1 24 | — | -3.1% |
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 1.2% | ||
| Q1 25 | — | 0.7% | ||
| Q4 24 | — | 1.2% | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | 1.0% | ||
| Q1 24 | — | 1.1% |
| Q4 25 | 1.98× | 4.37× | ||
| Q3 25 | 1.64× | 1.99× | ||
| Q2 25 | 1.95× | 2.20× | ||
| Q1 25 | 1.51× | -1.23× | ||
| Q4 24 | 2.37× | 3.88× | ||
| Q3 24 | 1.74× | 0.78× | ||
| Q2 24 | 2.16× | 2.37× | ||
| Q1 24 | 2.00× | -0.37× |
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% |
ICFI
| US Federal Government | $166.7M | 38% |
| Commercial | $164.4M | 37% |
| US State And Local Government | $78.7M | 18% |
| International Government | $33.8M | 8% |
