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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and MGIC INVESTMENT CORP (MTG). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $298.7M, roughly 1.7× MGIC INVESTMENT CORP). MGIC INVESTMENT CORP runs the higher net margin — 56.7% vs 20.8%, a 35.9% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs -0.9%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 0.7%).
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.
MGIC Investment Corporation NYSE: MTG ("MGIC") is a provider of private mortgage insurance in the United States. The company is headquartered in Milwaukee, Wisconsin.
FCFS vs MTG — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $298.7M |
| Net Profit | $104.2M | $169.3M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | 71.2% |
| Net Margin | 20.8% | 56.7% |
| Revenue YoY | 21.2% | -0.9% |
| Net Profit YoY | 24.7% | -8.3% |
| EPS (diluted) | $2.35 | $0.75 |
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 | $298.7M | ||
| Q3 25 | $411.0M | $304.5M | ||
| Q2 25 | $385.1M | $304.2M | ||
| Q1 25 | $371.1M | $306.2M | ||
| Q4 24 | $413.7M | $301.4M | ||
| Q3 24 | $363.1M | $306.6M | ||
| Q2 24 | $363.5M | $305.3M | ||
| Q1 24 | $366.8M | $294.4M |
| Q4 25 | $104.2M | $169.3M | ||
| Q3 25 | $82.8M | $191.1M | ||
| Q2 25 | $59.8M | $192.5M | ||
| Q1 25 | $83.6M | $185.5M | ||
| Q4 24 | $83.5M | $184.7M | ||
| Q3 24 | $64.8M | $200.0M | ||
| Q2 24 | $49.1M | $204.2M | ||
| Q1 24 | $61.4M | $174.1M |
| Q4 25 | 28.5% | 71.2% | ||
| Q3 25 | 27.4% | 77.2% | ||
| Q2 25 | 21.1% | 80.9% | ||
| Q1 25 | 30.0% | 76.6% | ||
| Q4 24 | 26.5% | 77.9% | ||
| Q3 24 | 23.5% | 82.9% | ||
| Q2 24 | 18.2% | 85.1% | ||
| Q1 24 | 22.3% | 74.7% |
| Q4 25 | 20.8% | 56.7% | ||
| Q3 25 | 20.1% | 62.8% | ||
| Q2 25 | 15.5% | 63.3% | ||
| Q1 25 | 22.5% | 60.6% | ||
| Q4 24 | 20.2% | 61.3% | ||
| Q3 24 | 17.9% | 65.2% | ||
| Q2 24 | 13.5% | 66.9% | ||
| Q1 24 | 16.7% | 59.1% |
| Q4 25 | $2.35 | $0.75 | ||
| Q3 25 | $1.86 | $0.83 | ||
| Q2 25 | $1.34 | $0.81 | ||
| Q1 25 | $1.87 | $0.75 | ||
| Q4 24 | $1.86 | $0.71 | ||
| Q3 24 | $1.44 | $0.77 | ||
| Q2 24 | $1.08 | $0.77 | ||
| Q1 24 | $1.35 | $0.64 |
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 | $369.0M |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $2.3B | $5.1B |
| Total Assets | $5.3B | $6.6B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $369.0M | ||
| Q3 25 | $130.2M | $266.9M | ||
| Q2 25 | $101.5M | $294.9M | ||
| Q1 25 | $146.0M | $207.0M | ||
| Q4 24 | $175.1M | $229.5M | ||
| Q3 24 | $106.3M | $288.6M | ||
| Q2 24 | $113.7M | $281.8M | ||
| Q1 24 | $135.1M | $431.3M |
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.5B | — |
| Q4 25 | $2.3B | $5.1B | ||
| Q3 25 | $2.2B | $5.2B | ||
| Q2 25 | $2.1B | $5.2B | ||
| Q1 25 | $2.1B | $5.1B | ||
| Q4 24 | $2.1B | $5.2B | ||
| Q3 24 | $2.0B | $5.3B | ||
| Q2 24 | $2.0B | $5.1B | ||
| Q1 24 | $2.0B | $5.1B |
| Q4 25 | $5.3B | $6.6B | ||
| Q3 25 | $5.2B | $6.6B | ||
| Q2 25 | $4.5B | $6.5B | ||
| Q1 25 | $4.4B | $6.5B | ||
| Q4 24 | $4.5B | $6.5B | ||
| Q3 24 | $4.4B | $6.7B | ||
| Q2 24 | $4.3B | $6.5B | ||
| Q1 24 | $4.2B | $6.5B |
| Q4 25 | 0.98× | — | ||
| Q3 25 | 1.01× | — | ||
| Q2 25 | 0.79× | — | ||
| Q1 25 | 0.83× | — | ||
| Q4 24 | 0.85× | — | ||
| Q3 24 | 0.87× | — | ||
| Q2 24 | 0.85× | — | ||
| Q1 24 | 0.75× | — |
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 | $230.8M |
| Free Cash FlowOCF − Capex | — | $230.2M |
| FCF MarginFCF / Revenue | — | 77.1% |
| Capex IntensityCapex / Revenue | — | 0.2% |
| Cash ConversionOCF / Net Profit | 1.98× | 1.36× |
| TTM Free Cash FlowTrailing 4 quarters | — | $851.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $230.8M | ||
| Q3 25 | $135.8M | $215.4M | ||
| Q2 25 | $116.9M | $183.0M | ||
| Q1 25 | $126.6M | $223.7M | ||
| Q4 24 | $198.1M | $182.4M | ||
| Q3 24 | $113.1M | $182.9M | ||
| Q2 24 | $106.2M | $169.2M | ||
| Q1 24 | $122.5M | $190.5M |
| Q4 25 | — | $230.2M | ||
| Q3 25 | — | $215.1M | ||
| Q2 25 | — | $183.0M | ||
| Q1 25 | — | $223.5M | ||
| Q4 24 | — | $181.9M | ||
| Q3 24 | — | $182.5M | ||
| Q2 24 | — | $169.0M | ||
| Q1 24 | — | — |
| Q4 25 | — | 77.1% | ||
| Q3 25 | — | 70.6% | ||
| Q2 25 | — | 60.1% | ||
| Q1 25 | — | 73.0% | ||
| Q4 24 | — | 60.3% | ||
| Q3 24 | — | 59.5% | ||
| Q2 24 | — | 55.3% | ||
| Q1 24 | — | — |
| Q4 25 | — | 0.2% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.0% |
| Q4 25 | 1.98× | 1.36× | ||
| Q3 25 | 1.64× | 1.13× | ||
| Q2 25 | 1.95× | 0.95× | ||
| Q1 25 | 1.51× | 1.21× | ||
| Q4 24 | 2.37× | 0.99× | ||
| Q3 24 | 1.74× | 0.91× | ||
| Q2 24 | 2.16× | 0.83× | ||
| Q1 24 | 2.00× | 1.09× |
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% |
MTG
Segment breakdown not available.
