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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and LendingClub Corp (LC). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $252.3M, roughly 2.0× LendingClub Corp). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 20.5%, a 0.3% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 15.9%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 16.1%).
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.
LendingClub Corporation is an American financial services company headquartered in San Francisco, California. It was the first peer-to-peer lender to register its offerings as securities with the Securities and Exchange Commission (SEC), and to offer loan trading on a secondary market. At its height, LendingClub was the world's largest peer-to-peer lending platform. The company reported that $15.98 billion in loans had been originated through its platform up to December 31, 2015.
FCFS vs LC — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $252.3M |
| Net Profit | $104.2M | $51.6M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | — |
| Net Margin | 20.8% | 20.5% |
| Revenue YoY | 21.2% | 15.9% |
| Net Profit YoY | 24.7% | 341.0% |
| 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.
| Q1 26 | — | $252.3M | ||
| Q4 25 | $501.3M | $266.5M | ||
| Q3 25 | $411.0M | $266.2M | ||
| Q2 25 | $385.1M | $248.4M | ||
| Q1 25 | $371.1M | $217.7M | ||
| Q4 24 | $413.7M | $217.2M | ||
| Q3 24 | $363.1M | $201.9M | ||
| Q2 24 | $363.5M | $187.2M |
| Q1 26 | — | $51.6M | ||
| Q4 25 | $104.2M | — | ||
| Q3 25 | $82.8M | $44.3M | ||
| Q2 25 | $59.8M | $38.2M | ||
| Q1 25 | $83.6M | $11.7M | ||
| Q4 24 | $83.5M | — | ||
| Q3 24 | $64.8M | $14.5M | ||
| Q2 24 | $49.1M | $14.9M |
| Q1 26 | — | — | ||
| Q4 25 | 28.5% | 18.8% | ||
| Q3 25 | 27.4% | 21.5% | ||
| Q2 25 | 21.1% | 21.7% | ||
| Q1 25 | 30.0% | 7.2% | ||
| Q4 24 | 26.5% | 5.1% | ||
| Q3 24 | 23.5% | 8.9% | ||
| Q2 24 | 18.2% | 10.4% |
| Q1 26 | — | 20.5% | ||
| Q4 25 | 20.8% | — | ||
| Q3 25 | 20.1% | 16.6% | ||
| Q2 25 | 15.5% | 15.4% | ||
| Q1 25 | 22.5% | 5.4% | ||
| Q4 24 | 20.2% | — | ||
| Q3 24 | 17.9% | 7.2% | ||
| Q2 24 | 13.5% | 8.0% |
| Q1 26 | — | $0.44 | ||
| Q4 25 | $2.35 | $0.36 | ||
| Q3 25 | $1.86 | $0.37 | ||
| Q2 25 | $1.34 | $0.33 | ||
| Q1 25 | $1.87 | $0.10 | ||
| Q4 24 | $1.86 | $0.08 | ||
| Q3 24 | $1.44 | $0.13 | ||
| Q2 24 | $1.08 | $0.13 |
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 | — |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $2.3B | $1.5B |
| Total Assets | $5.3B | $11.9B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $125.2M | — | ||
| Q3 25 | $130.2M | — | ||
| Q2 25 | $101.5M | — | ||
| Q1 25 | $146.0M | — | ||
| Q4 24 | $175.1M | — | ||
| Q3 24 | $106.3M | — | ||
| Q2 24 | $113.7M | — |
| Q1 26 | — | — | ||
| Q4 25 | $2.2B | $0 | ||
| Q3 25 | $2.2B | $0 | ||
| Q2 25 | $1.7B | $0 | ||
| Q1 25 | $1.7B | $0 | ||
| Q4 24 | $1.7B | $0 | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | — |
| Q1 26 | — | $1.5B | ||
| Q4 25 | $2.3B | $1.5B | ||
| Q3 25 | $2.2B | $1.5B | ||
| Q2 25 | $2.1B | $1.4B | ||
| Q1 25 | $2.1B | $1.4B | ||
| Q4 24 | $2.1B | $1.3B | ||
| Q3 24 | $2.0B | $1.3B | ||
| Q2 24 | $2.0B | $1.3B |
| Q1 26 | — | $11.9B | ||
| Q4 25 | $5.3B | $11.6B | ||
| Q3 25 | $5.2B | $11.1B | ||
| Q2 25 | $4.5B | $10.8B | ||
| Q1 25 | $4.4B | $10.5B | ||
| Q4 24 | $4.5B | $10.6B | ||
| Q3 24 | $4.4B | $11.0B | ||
| Q2 24 | $4.3B | $9.6B |
| Q1 26 | — | — | ||
| Q4 25 | 0.98× | 0.00× | ||
| Q3 25 | 1.01× | 0.00× | ||
| Q2 25 | 0.79× | 0.00× | ||
| Q1 25 | 0.83× | 0.00× | ||
| Q4 24 | 0.85× | 0.00× | ||
| Q3 24 | 0.87× | — | ||
| Q2 24 | 0.85× | — |
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 | — |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 1.98× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $206.6M | $-2.7B | ||
| Q3 25 | $135.8M | $-770.8M | ||
| Q2 25 | $116.9M | $-713.1M | ||
| Q1 25 | $126.6M | $-339.3M | ||
| Q4 24 | $198.1M | $-2.6B | ||
| Q3 24 | $113.1M | $-669.8M | ||
| Q2 24 | $106.2M | $-932.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $-2.9B | ||
| Q3 25 | — | $-791.8M | ||
| Q2 25 | — | $-803.8M | ||
| Q1 25 | — | $-352.3M | ||
| Q4 24 | — | $-2.7B | ||
| Q3 24 | — | $-682.3M | ||
| Q2 24 | — | $-945.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | -1076.0% | ||
| Q3 25 | — | -297.4% | ||
| Q2 25 | — | -323.5% | ||
| Q1 25 | — | -161.8% | ||
| Q4 24 | — | -1237.8% | ||
| Q3 24 | — | -338.0% | ||
| Q2 24 | — | -504.9% |
| Q1 26 | — | — | ||
| Q4 25 | — | 52.7% | ||
| Q3 25 | — | 7.9% | ||
| Q2 25 | — | 36.5% | ||
| Q1 25 | — | 6.0% | ||
| Q4 24 | — | 25.0% | ||
| Q3 24 | — | 6.2% | ||
| Q2 24 | — | 6.9% |
| Q1 26 | — | — | ||
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | -17.41× | ||
| Q2 25 | 1.95× | -18.68× | ||
| Q1 25 | 1.51× | -29.07× | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | -46.33× | ||
| Q2 24 | 2.16× | -62.57× |
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% |
LC
Segment breakdown not available.
