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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and NEW JERSEY RESOURCES CORP (NJR). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $440.9M, roughly 1.1× NEW JERSEY RESOURCES CORP). NEW JERSEY RESOURCES CORP runs the higher net margin — 27.8% vs 20.8%, a 7.0% gap on every dollar of revenue. On growth, NEW JERSEY RESOURCES CORP posted the faster year-over-year revenue change (22.8% vs 21.2%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 0.9%).
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.
New Jersey Resources is an energy services holding company based in Wall Township, New Jersey. It is a Fortune 1000 company, and a member of the Forbes Platinum 400. New Jersey Natural Gas is its principal subsidiary.
FCFS vs NJR — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $440.9M |
| Net Profit | $104.2M | $122.5M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | 40.6% |
| Net Margin | 20.8% | 27.8% |
| Revenue YoY | 21.2% | 22.8% |
| Net Profit YoY | 24.7% | -6.7% |
| EPS (diluted) | $2.35 | $1.21 |
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 | $440.9M | ||
| Q3 25 | $411.0M | $188.3M | ||
| Q2 25 | $385.1M | $234.8M | ||
| Q1 25 | $371.1M | $569.2M | ||
| Q4 24 | $413.7M | $359.0M | ||
| Q3 24 | $363.1M | $265.7M | ||
| Q2 24 | $363.5M | $209.9M | ||
| Q1 24 | $366.8M | $433.2M |
| Q4 25 | $104.2M | $122.5M | ||
| Q3 25 | $82.8M | $15.1M | ||
| Q2 25 | $59.8M | $-15.1M | ||
| Q1 25 | $83.6M | $204.3M | ||
| Q4 24 | $83.5M | $131.3M | ||
| Q3 24 | $64.8M | $91.1M | ||
| Q2 24 | $49.1M | $-11.6M | ||
| Q1 24 | $61.4M | $120.8M |
| Q4 25 | 28.5% | 40.6% | ||
| Q3 25 | 27.4% | 21.5% | ||
| Q2 25 | 21.1% | -0.5% | ||
| Q1 25 | 30.0% | 49.2% | ||
| Q4 24 | 26.5% | 52.8% | ||
| Q3 24 | 23.5% | 55.0% | ||
| Q2 24 | 18.2% | 2.8% | ||
| Q1 24 | 22.3% | 39.3% |
| Q4 25 | 20.8% | 27.8% | ||
| Q3 25 | 20.1% | 8.0% | ||
| Q2 25 | 15.5% | -6.4% | ||
| Q1 25 | 22.5% | 35.9% | ||
| Q4 24 | 20.2% | 36.6% | ||
| Q3 24 | 17.9% | 34.3% | ||
| Q2 24 | 13.5% | -5.5% | ||
| Q1 24 | 16.7% | 27.9% |
| Q4 25 | $2.35 | $1.21 | ||
| Q3 25 | $1.86 | $0.15 | ||
| Q2 25 | $1.34 | $-0.15 | ||
| Q1 25 | $1.87 | $2.02 | ||
| Q4 24 | $1.86 | $1.31 | ||
| Q3 24 | $1.44 | $0.91 | ||
| Q2 24 | $1.08 | $-0.12 | ||
| Q1 24 | $1.35 | $1.22 |
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 | $2.4M |
| Total DebtLower is stronger | $2.2B | $3.3B |
| Stockholders' EquityBook value | $2.3B | $2.5B |
| Total Assets | $5.3B | $7.9B |
| Debt / EquityLower = less leverage | 0.98× | 1.32× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $2.4M | ||
| Q3 25 | $130.2M | $591.0K | ||
| Q2 25 | $101.5M | $931.0K | ||
| Q1 25 | $146.0M | $83.7M | ||
| Q4 24 | $175.1M | $1.9M | ||
| Q3 24 | $106.3M | $1.0M | ||
| Q2 24 | $113.7M | $22.4M | ||
| Q1 24 | $135.1M | $5.0M |
| Q4 25 | $2.2B | $3.3B | ||
| Q3 25 | $2.2B | $3.3B | ||
| Q2 25 | $1.7B | $3.0B | ||
| Q1 25 | $1.7B | $3.0B | ||
| Q4 24 | $1.7B | $3.0B | ||
| Q3 24 | $1.7B | $2.9B | ||
| Q2 24 | $1.7B | $2.8B | ||
| Q1 24 | $1.5B | $2.7B |
| Q4 25 | $2.3B | $2.5B | ||
| Q3 25 | $2.2B | $2.4B | ||
| Q2 25 | $2.1B | $2.4B | ||
| Q1 25 | $2.1B | $2.5B | ||
| Q4 24 | $2.1B | $2.3B | ||
| Q3 24 | $2.0B | $2.2B | ||
| Q2 24 | $2.0B | $2.1B | ||
| Q1 24 | $2.0B | $2.2B |
| Q4 25 | $5.3B | $7.9B | ||
| Q3 25 | $5.2B | $7.6B | ||
| Q2 25 | $4.5B | $7.3B | ||
| Q1 25 | $4.4B | $7.3B | ||
| Q4 24 | $4.5B | $7.2B | ||
| Q3 24 | $4.4B | $7.0B | ||
| Q2 24 | $4.3B | $6.8B | ||
| Q1 24 | $4.2B | $6.6B |
| Q4 25 | 0.98× | 1.32× | ||
| Q3 25 | 1.01× | 1.36× | ||
| Q2 25 | 0.79× | 1.25× | ||
| Q1 25 | 0.83× | 1.20× | ||
| Q4 24 | 0.85× | 1.29× | ||
| Q3 24 | 0.87× | 1.31× | ||
| Q2 24 | 0.85× | 1.30× | ||
| Q1 24 | 0.75× | 1.25× |
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 | $26.7M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 1.98× | 0.22× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $26.7M | ||
| Q3 25 | $135.8M | $81.2M | ||
| Q2 25 | $116.9M | $-28.9M | ||
| Q1 25 | $126.6M | $423.0M | ||
| Q4 24 | $198.1M | $-9.0M | ||
| Q3 24 | $113.1M | $64.5M | ||
| Q2 24 | $106.2M | $24.3M | ||
| Q1 24 | $122.5M | $292.2M |
| Q4 25 | 1.98× | 0.22× | ||
| Q3 25 | 1.64× | 5.39× | ||
| Q2 25 | 1.95× | — | ||
| Q1 25 | 1.51× | 2.07× | ||
| Q4 24 | 2.37× | -0.07× | ||
| Q3 24 | 1.74× | 0.71× | ||
| Q2 24 | 2.16× | — | ||
| Q1 24 | 2.00× | 2.42× |
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% |
NJR
| Residential | $284.1M | 64% |
| Commercialand Industrial | $53.4M | 12% |
| Firm Transportation | $34.7M | 8% |
| Storage And Transportation ST Segment | $28.1M | 6% |
| Home Services And Other HSO | $16.0M | 4% |
| Energy Services ES Segment | $12.8M | 3% |
| Installationand Maintenance | $6.6M | 1% |
| Electricity | $5.6M | 1% |
| Renewable Energy Certificates | $3.7M | 1% |
| Interruptibleand Offtariff | $2.4M | 1% |
