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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and loanDepot, Inc. (LDI). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $310.3M, roughly 1.6× loanDepot, Inc.). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs -7.2%, a 28.0% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 20.5%). Over the past eight quarters, loanDepot, Inc.'s revenue compounded faster (18.0% CAGR vs 16.9%).
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.
LoanDepot, sometimes stylized as loanDepot, is an Irvine, California-based nonbank holding company which sells mortgage and non-mortgage lending products.
FCFS vs LDI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $310.3M |
| Net Profit | $104.2M | $-22.5M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | -10.3% |
| Net Margin | 20.8% | -7.2% |
| Revenue YoY | 21.2% | 20.5% |
| Net Profit YoY | 24.7% | 32.4% |
| EPS (diluted) | $2.35 | — |
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 | $310.3M | ||
| Q3 25 | $411.0M | $323.3M | ||
| Q2 25 | $385.1M | $282.5M | ||
| Q1 25 | $371.1M | $273.6M | ||
| Q4 24 | $413.7M | $257.5M | ||
| Q3 24 | $363.1M | $314.6M | ||
| Q2 24 | $363.5M | $265.4M | ||
| Q1 24 | $366.8M | $222.8M |
| Q4 25 | $104.2M | $-22.5M | ||
| Q3 25 | $82.8M | $-4.9M | ||
| Q2 25 | $59.8M | $-13.4M | ||
| Q1 25 | $83.6M | $-21.9M | ||
| Q4 24 | $83.5M | $-33.2M | ||
| Q3 24 | $64.8M | $1.4M | ||
| Q2 24 | $49.1M | $-32.2M | ||
| Q1 24 | $61.4M | $-34.3M |
| Q4 25 | 28.5% | -10.3% | ||
| Q3 25 | 27.4% | -3.2% | ||
| Q2 25 | 21.1% | -11.4% | ||
| Q1 25 | 30.0% | -16.8% | ||
| Q4 24 | 26.5% | -32.7% | ||
| Q3 24 | 23.5% | 1.1% | ||
| Q2 24 | 18.2% | -29.1% | ||
| Q1 24 | 22.3% | -38.2% |
| Q4 25 | 20.8% | -7.2% | ||
| Q3 25 | 20.1% | -1.5% | ||
| Q2 25 | 15.5% | -4.7% | ||
| Q1 25 | 22.5% | -8.0% | ||
| Q4 24 | 20.2% | -12.9% | ||
| Q3 24 | 17.9% | 0.4% | ||
| Q2 24 | 13.5% | -12.1% | ||
| Q1 24 | 16.7% | -15.4% |
| Q4 25 | $2.35 | — | ||
| Q3 25 | $1.86 | — | ||
| Q2 25 | $1.34 | — | ||
| Q1 25 | $1.87 | — | ||
| Q4 24 | $1.86 | — | ||
| Q3 24 | $1.44 | $0.01 | ||
| Q2 24 | $1.08 | $-0.18 | ||
| Q1 24 | $1.35 | $-0.19 |
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 | $337.2M |
| Total DebtLower is stronger | $2.2B | $2.1B |
| Stockholders' EquityBook value | $2.3B | $386.0M |
| Total Assets | $5.3B | $6.9B |
| Debt / EquityLower = less leverage | 0.98× | 5.44× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $337.2M | ||
| Q3 25 | $130.2M | $459.2M | ||
| Q2 25 | $101.5M | $408.6M | ||
| Q1 25 | $146.0M | $371.5M | ||
| Q4 24 | $175.1M | $421.6M | ||
| Q3 24 | $106.3M | $483.0M | ||
| Q2 24 | $113.7M | $533.2M | ||
| Q1 24 | $135.1M | $603.7M |
| Q4 25 | $2.2B | $2.1B | ||
| Q3 25 | $2.2B | $2.1B | ||
| Q2 25 | $1.7B | $2.1B | ||
| Q1 25 | $1.7B | $2.0B | ||
| Q4 24 | $1.7B | $2.0B | ||
| Q3 24 | $1.7B | $2.0B | ||
| Q2 24 | $1.7B | $2.0B | ||
| Q1 24 | $1.5B | $2.3B |
| Q4 25 | $2.3B | $386.0M | ||
| Q3 25 | $2.2B | $433.3M | ||
| Q2 25 | $2.1B | $439.1M | ||
| Q1 25 | $2.1B | $469.3M | ||
| Q4 24 | $2.1B | $506.6M | ||
| Q3 24 | $2.0B | $592.0M | ||
| Q2 24 | $2.0B | $578.9M | ||
| Q1 24 | $2.0B | $637.3M |
| Q4 25 | $5.3B | $6.9B | ||
| Q3 25 | $5.2B | $6.2B | ||
| Q2 25 | $4.5B | $6.2B | ||
| Q1 25 | $4.4B | $6.4B | ||
| Q4 24 | $4.5B | $6.3B | ||
| Q3 24 | $4.4B | $6.4B | ||
| Q2 24 | $4.3B | $5.9B | ||
| Q1 24 | $4.2B | $6.2B |
| Q4 25 | 0.98× | 5.44× | ||
| Q3 25 | 1.01× | 4.83× | ||
| Q2 25 | 0.79× | 4.70× | ||
| Q1 25 | 0.83× | 4.30× | ||
| Q4 24 | 0.85× | 4.00× | ||
| Q3 24 | 0.87× | 3.31× | ||
| Q2 24 | 0.85× | 3.41× | ||
| Q1 24 | 0.75× | 3.63× |
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 | $-638.7M |
| Free Cash FlowOCF − Capex | — | $-648.0M |
| FCF MarginFCF / Revenue | — | -208.9% |
| Capex IntensityCapex / Revenue | — | 3.0% |
| Cash ConversionOCF / Net Profit | 1.98× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-734.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $-638.7M | ||
| Q3 25 | $135.8M | $43.4M | ||
| Q2 25 | $116.9M | $67.6M | ||
| Q1 25 | $126.6M | $-179.9M | ||
| Q4 24 | $198.1M | $47.7M | ||
| Q3 24 | $113.1M | $-349.2M | ||
| Q2 24 | $106.2M | $-278.3M | ||
| Q1 24 | $122.5M | $-278.5M |
| Q4 25 | — | $-648.0M | ||
| Q3 25 | — | $38.7M | ||
| Q2 25 | — | $61.4M | ||
| Q1 25 | — | $-186.7M | ||
| Q4 24 | — | $40.8M | ||
| Q3 24 | — | $-356.4M | ||
| Q2 24 | — | $-285.7M | ||
| Q1 24 | — | $-283.3M |
| Q4 25 | — | -208.9% | ||
| Q3 25 | — | 12.0% | ||
| Q2 25 | — | 21.7% | ||
| Q1 25 | — | -68.2% | ||
| Q4 24 | — | 15.8% | ||
| Q3 24 | — | -113.3% | ||
| Q2 24 | — | -107.7% | ||
| Q1 24 | — | -127.2% |
| Q4 25 | — | 3.0% | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | 2.2% | ||
| Q1 25 | — | 2.5% | ||
| Q4 24 | — | 2.7% | ||
| Q3 24 | — | 2.3% | ||
| Q2 24 | — | 2.8% | ||
| Q1 24 | — | 2.1% |
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | — | ||
| Q2 25 | 1.95× | — | ||
| Q1 25 | 1.51× | — | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | -255.05× | ||
| Q2 24 | 2.16× | — | ||
| Q1 24 | 2.00× | — |
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% |
LDI
Segment breakdown not available.
