vs
Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and KENNAMETAL INC (KMT). Click either name above to swap in a different company.
KENNAMETAL INC is the larger business by last-quarter revenue ($529.5M vs $501.3M, roughly 1.1× FirstCash Holdings, Inc.). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 6.4%, a 14.4% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 9.8%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 1.3%).
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.
Kennametal, Inc. is a manufacturer of high-performance cutting tools and engineered components used in the aerospace, defense, transportation and oil and gas drilling industries. Its customer base is global.
FCFS vs KMT — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $529.5M |
| Net Profit | $104.2M | $33.9M |
| Gross Margin | — | 32.8% |
| Operating Margin | 28.5% | 9.9% |
| Net Margin | 20.8% | 6.4% |
| Revenue YoY | 21.2% | 9.8% |
| Net Profit YoY | 24.7% | 89.0% |
| EPS (diluted) | $2.35 | $0.44 |
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 | $529.5M | ||
| Q3 25 | $411.0M | $498.0M | ||
| Q2 25 | $385.1M | $516.4M | ||
| Q1 25 | $371.1M | $486.4M | ||
| Q4 24 | $413.7M | $482.1M | ||
| Q3 24 | $363.1M | $481.9M | ||
| Q2 24 | $363.5M | $543.3M | ||
| Q1 24 | $366.8M | $515.8M |
| Q4 25 | $104.2M | $33.9M | ||
| Q3 25 | $82.8M | $23.3M | ||
| Q2 25 | $59.8M | $21.6M | ||
| Q1 25 | $83.6M | $31.5M | ||
| Q4 24 | $83.5M | $17.9M | ||
| Q3 24 | $64.8M | $22.1M | ||
| Q2 24 | $49.1M | $37.2M | ||
| Q1 24 | $61.4M | $19.0M |
| Q4 25 | — | 32.8% | ||
| Q3 25 | — | 31.0% | ||
| Q2 25 | — | 28.2% | ||
| Q1 25 | — | 32.1% | ||
| Q4 24 | — | 30.1% | ||
| Q3 24 | — | 31.3% | ||
| Q2 24 | — | 31.5% | ||
| Q1 24 | — | 29.7% |
| Q4 25 | 28.5% | 9.9% | ||
| Q3 25 | 27.4% | 7.5% | ||
| Q2 25 | 21.1% | 6.1% | ||
| Q1 25 | 30.0% | 9.1% | ||
| Q4 24 | 26.5% | 6.6% | ||
| Q3 24 | 23.5% | 7.5% | ||
| Q2 24 | 18.2% | 11.3% | ||
| Q1 24 | 22.3% | 6.8% |
| Q4 25 | 20.8% | 6.4% | ||
| Q3 25 | 20.1% | 4.7% | ||
| Q2 25 | 15.5% | 4.2% | ||
| Q1 25 | 22.5% | 6.5% | ||
| Q4 24 | 20.2% | 3.7% | ||
| Q3 24 | 17.9% | 4.6% | ||
| Q2 24 | 13.5% | 6.8% | ||
| Q1 24 | 16.7% | 3.7% |
| Q4 25 | $2.35 | $0.44 | ||
| Q3 25 | $1.86 | $0.30 | ||
| Q2 25 | $1.34 | $0.28 | ||
| Q1 25 | $1.87 | $0.41 | ||
| Q4 24 | $1.86 | $0.23 | ||
| Q3 24 | $1.44 | $0.28 | ||
| Q2 24 | $1.08 | $0.47 | ||
| Q1 24 | $1.35 | $0.24 |
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 | $129.3M |
| Total DebtLower is stronger | $2.2B | $597.2M |
| Stockholders' EquityBook value | $2.3B | $1.3B |
| Total Assets | $5.3B | $2.6B |
| Debt / EquityLower = less leverage | 0.98× | 0.45× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $129.3M | ||
| Q3 25 | $130.2M | $103.5M | ||
| Q2 25 | $101.5M | $140.5M | ||
| Q1 25 | $146.0M | $97.5M | ||
| Q4 24 | $175.1M | $121.2M | ||
| Q3 24 | $106.3M | $119.6M | ||
| Q2 24 | $113.7M | $128.0M | ||
| Q1 24 | $135.1M | $92.1M |
| Q4 25 | $2.2B | $597.2M | ||
| Q3 25 | $2.2B | $597.0M | ||
| Q2 25 | $1.7B | $596.8M | ||
| Q1 25 | $1.7B | $596.6M | ||
| Q4 24 | $1.7B | $596.4M | ||
| Q3 24 | $1.7B | $596.2M | ||
| Q2 24 | $1.7B | $596.0M | ||
| Q1 24 | $1.5B | $595.8M |
| Q4 25 | $2.3B | $1.3B | ||
| Q3 25 | $2.2B | $1.3B | ||
| Q2 25 | $2.1B | $1.3B | ||
| Q1 25 | $2.1B | $1.2B | ||
| Q4 24 | $2.1B | $1.2B | ||
| Q3 24 | $2.0B | $1.3B | ||
| Q2 24 | $2.0B | $1.2B | ||
| Q1 24 | $2.0B | $1.3B |
| Q4 25 | $5.3B | $2.6B | ||
| Q3 25 | $5.2B | $2.5B | ||
| Q2 25 | $4.5B | $2.5B | ||
| Q1 25 | $4.4B | $2.5B | ||
| Q4 24 | $4.5B | $2.4B | ||
| Q3 24 | $4.4B | $2.5B | ||
| Q2 24 | $4.3B | $2.5B | ||
| Q1 24 | $4.2B | $2.5B |
| Q4 25 | 0.98× | 0.45× | ||
| Q3 25 | 1.01× | 0.46× | ||
| Q2 25 | 0.79× | 0.46× | ||
| Q1 25 | 0.83× | 0.48× | ||
| Q4 24 | 0.85× | 0.49× | ||
| Q3 24 | 0.87× | 0.47× | ||
| Q2 24 | 0.85× | 0.48× | ||
| Q1 24 | 0.75× | 0.47× |
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 | $55.1M |
| Free Cash FlowOCF − Capex | — | $42.4M |
| FCF MarginFCF / Revenue | — | 8.0% |
| Capex IntensityCapex / Revenue | — | 2.4% |
| Cash ConversionOCF / Net Profit | 1.98× | 1.63× |
| TTM Free Cash FlowTrailing 4 quarters | — | $99.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $55.1M | ||
| Q3 25 | $135.8M | $17.5M | ||
| Q2 25 | $116.9M | $78.6M | ||
| Q1 25 | $126.6M | $28.8M | ||
| Q4 24 | $198.1M | $55.2M | ||
| Q3 24 | $113.1M | $45.7M | ||
| Q2 24 | $106.2M | $113.6M | ||
| Q1 24 | $122.5M | $75.2M |
| Q4 25 | — | $42.4M | ||
| Q3 25 | — | $-5.5M | ||
| Q2 25 | — | $57.1M | ||
| Q1 25 | — | $5.3M | ||
| Q4 24 | — | $35.9M | ||
| Q3 24 | — | $21.0M | ||
| Q2 24 | — | $90.3M | ||
| Q1 24 | — | $48.4M |
| Q4 25 | — | 8.0% | ||
| Q3 25 | — | -1.1% | ||
| Q2 25 | — | 11.1% | ||
| Q1 25 | — | 1.1% | ||
| Q4 24 | — | 7.5% | ||
| Q3 24 | — | 4.4% | ||
| Q2 24 | — | 16.6% | ||
| Q1 24 | — | 9.4% |
| Q4 25 | — | 2.4% | ||
| Q3 25 | — | 4.6% | ||
| Q2 25 | — | 4.2% | ||
| Q1 25 | — | 4.8% | ||
| Q4 24 | — | 4.0% | ||
| Q3 24 | — | 5.1% | ||
| Q2 24 | — | 4.3% | ||
| Q1 24 | — | 5.2% |
| Q4 25 | 1.98× | 1.63× | ||
| Q3 25 | 1.64× | 0.75× | ||
| Q2 25 | 1.95× | 3.64× | ||
| Q1 25 | 1.51× | 0.92× | ||
| Q4 24 | 2.37× | 3.08× | ||
| Q3 24 | 1.74× | 2.07× | ||
| Q2 24 | 2.16× | 3.06× | ||
| Q1 24 | 2.00× | 3.96× |
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% |
KMT
| Metal Cutting | $331.1M | 63% |
| Infrastructure | $198.5M | 37% |
