vs
Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and Natural Grocers by Vitamin Cottage, Inc. (NGVC). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $335.6M, roughly 1.5× Natural Grocers by Vitamin Cottage, Inc.). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 3.4%, a 17.4% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 1.6%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 4.4%).
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.
Natural Grocers by Vitamin Cottage, Inc. is a U.S.-based specialty retail chain that offers certified organic groceries, dietary supplements, natural personal care items, and eco-friendly household products. It serves health-conscious consumers across multiple U.S. states, following strict quality standards that exclude artificial preservatives, colors, flavors and harmful additives.
FCFS vs NGVC — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $335.6M |
| Net Profit | $104.2M | $11.3M |
| Gross Margin | — | 29.5% |
| Operating Margin | 28.5% | 4.4% |
| Net Margin | 20.8% | 3.4% |
| Revenue YoY | 21.2% | 1.6% |
| Net Profit YoY | 24.7% | 14.0% |
| EPS (diluted) | $2.35 | $0.49 |
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 | $335.6M | ||
| Q3 25 | $411.0M | $336.1M | ||
| Q2 25 | $385.1M | $328.7M | ||
| Q1 25 | $371.1M | $335.8M | ||
| Q4 24 | $413.7M | $330.2M | ||
| Q3 24 | $363.1M | $322.7M | ||
| Q2 24 | $363.5M | $309.1M | ||
| Q1 24 | $366.8M | $308.1M |
| Q4 25 | $104.2M | $11.3M | ||
| Q3 25 | $82.8M | $11.8M | ||
| Q2 25 | $59.8M | $11.6M | ||
| Q1 25 | $83.6M | $13.1M | ||
| Q4 24 | $83.5M | $9.9M | ||
| Q3 24 | $64.8M | $9.0M | ||
| Q2 24 | $49.1M | $9.2M | ||
| Q1 24 | $61.4M | $8.0M |
| Q4 25 | — | 29.5% | ||
| Q3 25 | — | 29.5% | ||
| Q2 25 | — | 29.9% | ||
| Q1 25 | — | 30.3% | ||
| Q4 24 | — | 29.9% | ||
| Q3 24 | — | 29.6% | ||
| Q2 24 | — | 29.2% | ||
| Q1 24 | — | 29.3% |
| Q4 25 | 28.5% | 4.4% | ||
| Q3 25 | 27.4% | 4.6% | ||
| Q2 25 | 21.1% | 4.7% | ||
| Q1 25 | 30.0% | 5.2% | ||
| Q4 24 | 26.5% | 4.0% | ||
| Q3 24 | 23.5% | 3.7% | ||
| Q2 24 | 18.2% | 4.2% | ||
| Q1 24 | 22.3% | 3.7% |
| Q4 25 | 20.8% | 3.4% | ||
| Q3 25 | 20.1% | 3.5% | ||
| Q2 25 | 15.5% | 3.5% | ||
| Q1 25 | 22.5% | 3.9% | ||
| Q4 24 | 20.2% | 3.0% | ||
| Q3 24 | 17.9% | 2.8% | ||
| Q2 24 | 13.5% | 3.0% | ||
| Q1 24 | 16.7% | 2.6% |
| Q4 25 | $2.35 | $0.49 | ||
| Q3 25 | $1.86 | $0.51 | ||
| Q2 25 | $1.34 | $0.50 | ||
| Q1 25 | $1.87 | $0.56 | ||
| Q4 24 | $1.86 | $0.43 | ||
| Q3 24 | $1.44 | $0.38 | ||
| Q2 24 | $1.08 | $0.40 | ||
| Q1 24 | $1.35 | $0.35 |
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 | $23.2M |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $2.3B | $220.0M |
| Total Assets | $5.3B | $668.6M |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $23.2M | ||
| Q3 25 | $130.2M | $17.1M | ||
| Q2 25 | $101.5M | $13.2M | ||
| Q1 25 | $146.0M | $21.2M | ||
| Q4 24 | $175.1M | $6.3M | ||
| Q3 24 | $106.3M | $8.9M | ||
| Q2 24 | $113.7M | $13.9M | ||
| Q1 24 | $135.1M | $11.0M |
| 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 | $220.0M | ||
| Q3 25 | $2.2B | $212.4M | ||
| Q2 25 | $2.1B | $202.5M | ||
| Q1 25 | $2.1B | $193.0M | ||
| Q4 24 | $2.1B | $181.9M | ||
| Q3 24 | $2.0B | $174.3M | ||
| Q2 24 | $2.0B | $167.8M | ||
| Q1 24 | $2.0B | $160.0M |
| Q4 25 | $5.3B | $668.6M | ||
| Q3 25 | $5.2B | $670.5M | ||
| Q2 25 | $4.5B | $659.0M | ||
| Q1 25 | $4.4B | $664.6M | ||
| Q4 24 | $4.5B | $648.9M | ||
| Q3 24 | $4.4B | $655.5M | ||
| Q2 24 | $4.3B | $654.4M | ||
| Q1 24 | $4.2B | $656.6M |
| 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 | $21.1M |
| Free Cash FlowOCF − Capex | — | $11.6M |
| FCF MarginFCF / Revenue | — | 3.4% |
| Capex IntensityCapex / Revenue | — | 2.9% |
| Cash ConversionOCF / Net Profit | 1.98× | 1.86× |
| TTM Free Cash FlowTrailing 4 quarters | — | $42.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $21.1M | ||
| Q3 25 | $135.8M | $15.6M | ||
| Q2 25 | $116.9M | $2.9M | ||
| Q1 25 | $126.6M | $34.1M | ||
| Q4 24 | $198.1M | $2.7M | ||
| Q3 24 | $113.1M | $24.5M | ||
| Q2 24 | $106.2M | $12.4M | ||
| Q1 24 | $122.5M | $20.2M |
| Q4 25 | — | $11.6M | ||
| Q3 25 | — | $7.5M | ||
| Q2 25 | — | $-4.2M | ||
| Q1 25 | — | $27.6M | ||
| Q4 24 | — | $-6.9M | ||
| Q3 24 | — | $18.0M | ||
| Q2 24 | — | $3.6M | ||
| Q1 24 | — | $9.8M |
| Q4 25 | — | 3.4% | ||
| Q3 25 | — | 2.2% | ||
| Q2 25 | — | -1.3% | ||
| Q1 25 | — | 8.2% | ||
| Q4 24 | — | -2.1% | ||
| Q3 24 | — | 5.6% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 3.2% |
| Q4 25 | — | 2.9% | ||
| Q3 25 | — | 2.4% | ||
| Q2 25 | — | 2.2% | ||
| Q1 25 | — | 1.9% | ||
| Q4 24 | — | 2.9% | ||
| Q3 24 | — | 2.0% | ||
| Q2 24 | — | 2.9% | ||
| Q1 24 | — | 3.4% |
| Q4 25 | 1.98× | 1.86× | ||
| Q3 25 | 1.64× | 1.32× | ||
| Q2 25 | 1.95× | 0.25× | ||
| Q1 25 | 1.51× | 2.60× | ||
| Q4 24 | 2.37× | 0.27× | ||
| Q3 24 | 1.74× | 2.72× | ||
| Q2 24 | 2.16× | 1.35× | ||
| Q1 24 | 2.00× | 2.54× |
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% |
NGVC
| Grocery | $243.8M | 73% |
| Dietary Supplements | $60.7M | 18% |
| Manufactured Product Other | $31.0M | 9% |
