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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and SANFILIPPO JOHN B & SON INC (JBSS). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $314.8M, roughly 1.6× SANFILIPPO JOHN B & SON INC). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 5.7%, a 15.1% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 4.6%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 7.6%).
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.
John B. Sanfilippo & Son Inc. (JBSS) is a leading US processor, marketer and distributor of high-quality tree nuts, peanuts, dried fruits, and value-added snack products. It serves retail, foodservice, and industrial ingredient customers primarily across North America, offering both branded and private label product lines.
FCFS vs JBSS — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $314.8M |
| Net Profit | $104.2M | $18.0M |
| Gross Margin | — | 18.8% |
| Operating Margin | 28.5% | 8.3% |
| Net Margin | 20.8% | 5.7% |
| Revenue YoY | 21.2% | 4.6% |
| Net Profit YoY | 24.7% | 32.1% |
| EPS (diluted) | $2.35 | $1.53 |
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 | $314.8M | ||
| Q3 25 | $411.0M | $298.7M | ||
| Q2 25 | $385.1M | $269.1M | ||
| Q1 25 | $371.1M | $260.9M | ||
| Q4 24 | $413.7M | $301.1M | ||
| Q3 24 | $363.1M | $276.2M | ||
| Q2 24 | $363.5M | $269.6M | ||
| Q1 24 | $366.8M | $271.9M |
| Q4 25 | $104.2M | $18.0M | ||
| Q3 25 | $82.8M | $18.7M | ||
| Q2 25 | $59.8M | $13.5M | ||
| Q1 25 | $83.6M | $20.2M | ||
| Q4 24 | $83.5M | $13.6M | ||
| Q3 24 | $64.8M | $11.7M | ||
| Q2 24 | $49.1M | $10.0M | ||
| Q1 24 | $61.4M | $13.5M |
| Q4 25 | — | 18.8% | ||
| Q3 25 | — | 18.1% | ||
| Q2 25 | — | 18.1% | ||
| Q1 25 | — | 21.4% | ||
| Q4 24 | — | 17.4% | ||
| Q3 24 | — | 16.9% | ||
| Q2 24 | — | 18.5% | ||
| Q1 24 | — | 18.1% |
| Q4 25 | 28.5% | 8.3% | ||
| Q3 25 | 27.4% | 9.0% | ||
| Q2 25 | 21.1% | 7.5% | ||
| Q1 25 | 30.0% | 10.8% | ||
| Q4 24 | 26.5% | 6.4% | ||
| Q3 24 | 23.5% | 6.2% | ||
| Q2 24 | 18.2% | 5.4% | ||
| Q1 24 | 22.3% | 6.7% |
| Q4 25 | 20.8% | 5.7% | ||
| Q3 25 | 20.1% | 6.3% | ||
| Q2 25 | 15.5% | 5.0% | ||
| Q1 25 | 22.5% | 7.7% | ||
| Q4 24 | 20.2% | 4.5% | ||
| Q3 24 | 17.9% | 4.2% | ||
| Q2 24 | 13.5% | 3.7% | ||
| Q1 24 | 16.7% | 5.0% |
| Q4 25 | $2.35 | $1.53 | ||
| Q3 25 | $1.86 | $1.59 | ||
| Q2 25 | $1.34 | $1.15 | ||
| Q1 25 | $1.87 | $1.72 | ||
| Q4 24 | $1.86 | $1.16 | ||
| Q3 24 | $1.44 | $1.00 | ||
| Q2 24 | $1.08 | $0.85 | ||
| Q1 24 | $1.35 | $1.15 |
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 | $2.4M |
| Total DebtLower is stronger | $2.2B | $28.8M |
| Stockholders' EquityBook value | $2.3B | $370.1M |
| Total Assets | $5.3B | $617.7M |
| Debt / EquityLower = less leverage | 0.98× | 0.08× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $2.4M | ||
| Q3 25 | $130.2M | $714.0K | ||
| Q2 25 | $101.5M | $585.0K | ||
| Q1 25 | $146.0M | $1.3M | ||
| Q4 24 | $175.1M | $336.0K | ||
| Q3 24 | $106.3M | $442.0K | ||
| Q2 24 | $113.7M | $484.0K | ||
| Q1 24 | $135.1M | $377.0K |
| Q4 25 | $2.2B | $28.8M | ||
| Q3 25 | $2.2B | $29.8M | ||
| Q2 25 | $1.7B | $14.6M | ||
| Q1 25 | $1.7B | $5.8M | ||
| Q4 24 | $1.7B | $6.0M | ||
| Q3 24 | $1.7B | $6.2M | ||
| Q2 24 | $1.7B | $6.4M | ||
| Q1 24 | $1.5B | $6.6M |
| Q4 25 | $2.3B | $370.1M | ||
| Q3 25 | $2.2B | $362.8M | ||
| Q2 25 | $2.1B | $360.7M | ||
| Q1 25 | $2.1B | $346.6M | ||
| Q4 24 | $2.1B | $325.6M | ||
| Q3 24 | $2.0B | $310.8M | ||
| Q2 24 | $2.0B | $322.6M | ||
| Q1 24 | $2.0B | $321.8M |
| Q4 25 | $5.3B | $617.7M | ||
| Q3 25 | $5.2B | $598.7M | ||
| Q2 25 | $4.5B | $597.6M | ||
| Q1 25 | $4.4B | $590.0M | ||
| Q4 24 | $4.5B | $545.3M | ||
| Q3 24 | $4.4B | $519.4M | ||
| Q2 24 | $4.3B | $515.6M | ||
| Q1 24 | $4.2B | $491.9M |
| Q4 25 | 0.98× | 0.08× | ||
| Q3 25 | 1.01× | 0.08× | ||
| Q2 25 | 0.79× | 0.04× | ||
| Q1 25 | 0.83× | 0.02× | ||
| Q4 24 | 0.85× | 0.02× | ||
| Q3 24 | 0.87× | 0.02× | ||
| Q2 24 | 0.85× | 0.02× | ||
| Q1 24 | 0.75× | 0.02× |
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 | $62.5M |
| Free Cash FlowOCF − Capex | — | $40.0M |
| FCF MarginFCF / Revenue | — | 12.7% |
| Capex IntensityCapex / Revenue | — | 7.1% |
| Cash ConversionOCF / Net Profit | 1.98× | 3.48× |
| TTM Free Cash FlowTrailing 4 quarters | — | $32.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $62.5M | ||
| Q3 25 | $135.8M | $32.1M | ||
| Q2 25 | $116.9M | $36.5M | ||
| Q1 25 | $126.6M | $-25.9M | ||
| Q4 24 | $198.1M | $11.0M | ||
| Q3 24 | $113.1M | $8.9M | ||
| Q2 24 | $106.2M | $35.2M | ||
| Q1 24 | $122.5M | $5.3M |
| Q4 25 | — | $40.0M | ||
| Q3 25 | — | $7.3M | ||
| Q2 25 | — | $23.0M | ||
| Q1 25 | — | $-37.6M | ||
| Q4 24 | — | $-2.7M | ||
| Q3 24 | — | $-3.0M | ||
| Q2 24 | — | $24.4M | ||
| Q1 24 | — | $-1.3M |
| Q4 25 | — | 12.7% | ||
| Q3 25 | — | 2.4% | ||
| Q2 25 | — | 8.6% | ||
| Q1 25 | — | -14.4% | ||
| Q4 24 | — | -0.9% | ||
| Q3 24 | — | -1.1% | ||
| Q2 24 | — | 9.0% | ||
| Q1 24 | — | -0.5% |
| Q4 25 | — | 7.1% | ||
| Q3 25 | — | 8.3% | ||
| Q2 25 | — | 5.0% | ||
| Q1 25 | — | 4.5% | ||
| Q4 24 | — | 4.5% | ||
| Q3 24 | — | 4.3% | ||
| Q2 24 | — | 4.0% | ||
| Q1 24 | — | 2.4% |
| Q4 25 | 1.98× | 3.48× | ||
| Q3 25 | 1.64× | 1.72× | ||
| Q2 25 | 1.95× | 2.70× | ||
| Q1 25 | 1.51× | -1.29× | ||
| Q4 24 | 2.37× | 0.81× | ||
| Q3 24 | 1.74× | 0.77× | ||
| Q2 24 | 2.16× | 3.52× | ||
| Q1 24 | 2.00× | 0.39× |
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% |
JBSS
| Sales Channel Directly To Consumer | $263.2M | 84% |
| Sales Channel Commercial Ingredients | $28.0M | 9% |
| Sales Channel Contract Packaging | $23.6M | 8% |
