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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and North American Construction Group Ltd. (NOA). Click either name above to swap in a different company.
North American Construction Group Ltd. is the larger business by last-quarter revenue ($860.2M vs $501.3M, roughly 1.7× FirstCash Holdings, Inc.). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 4.7%, a 16.1% gap on every dollar of revenue. Over the past eight quarters, North American Construction Group Ltd.'s revenue compounded faster (58.0% 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.
Shanghai Construction (Group) Corporation (SCG) is a Chinese construction and engineering company, ranked as the 16th largest construction company in the world based on 2011 revenues.
FCFS vs NOA — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $860.2M |
| Net Profit | $104.2M | $40.5M |
| Gross Margin | — | 19.7% |
| Operating Margin | 28.5% | 15.4% |
| Net Margin | 20.8% | 4.7% |
| Revenue YoY | 21.2% | — |
| Net Profit YoY | 24.7% | — |
| 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 | — | ||
| Q3 25 | $411.0M | $860.2M | ||
| Q2 25 | $385.1M | $573.3M | ||
| Q1 25 | $371.1M | $297.0M | ||
| Q4 24 | $413.7M | — | ||
| Q3 24 | $363.1M | $636.4M | ||
| Q2 24 | $363.5M | $439.5M | ||
| Q1 24 | $366.8M | $244.3M |
| Q4 25 | $104.2M | — | ||
| Q3 25 | $82.8M | $40.5M | ||
| Q2 25 | $59.8M | $26.0M | ||
| Q1 25 | $83.6M | $11.5M | ||
| Q4 24 | $83.5M | — | ||
| Q3 24 | $64.8M | $45.5M | ||
| Q2 24 | $49.1M | $34.1M | ||
| Q1 24 | $61.4M | $21.8M |
| Q4 25 | — | — | ||
| Q3 25 | — | 19.7% | ||
| Q2 25 | — | 18.1% | ||
| Q1 25 | — | 18.0% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 14.0% | ||
| Q2 24 | — | 14.3% | ||
| Q1 24 | — | 16.8% |
| Q4 25 | 28.5% | — | ||
| Q3 25 | 27.4% | 15.4% | ||
| Q2 25 | 21.1% | 13.6% | ||
| Q1 25 | 30.0% | 13.0% | ||
| Q4 24 | 26.5% | — | ||
| Q3 24 | 23.5% | 7.9% | ||
| Q2 24 | 18.2% | 8.2% | ||
| Q1 24 | 22.3% | 10.5% |
| Q4 25 | 20.8% | — | ||
| Q3 25 | 20.1% | 4.7% | ||
| Q2 25 | 15.5% | 4.5% | ||
| Q1 25 | 22.5% | 3.9% | ||
| Q4 24 | 20.2% | — | ||
| Q3 24 | 17.9% | 7.1% | ||
| Q2 24 | 13.5% | 7.8% | ||
| Q1 24 | 16.7% | 8.9% |
| Q4 25 | $2.35 | — | ||
| Q3 25 | $1.86 | — | ||
| Q2 25 | $1.34 | — | ||
| Q1 25 | $1.87 | — | ||
| Q4 24 | $1.86 | — | ||
| Q3 24 | $1.44 | — | ||
| Q2 24 | $1.08 | — | ||
| Q1 24 | $1.35 | — |
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 | — |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $2.3B | — |
| Total Assets | $5.3B | $1.7B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| 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 24 | $135.1M | — |
| 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 | — | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $2.1B | — | ||
| Q1 25 | $2.1B | — | ||
| Q4 24 | $2.1B | — | ||
| Q3 24 | $2.0B | — | ||
| Q2 24 | $2.0B | — | ||
| Q1 24 | $2.0B | — |
| Q4 25 | $5.3B | — | ||
| Q3 25 | $5.2B | $1.7B | ||
| Q2 25 | $4.5B | $1.7B | ||
| Q1 25 | $4.4B | $1.7B | ||
| Q4 24 | $4.5B | — | ||
| Q3 24 | $4.4B | $1.5B | ||
| Q2 24 | $4.3B | $1.5B | ||
| Q1 24 | $4.2B | $1.5B |
| 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 | $140.7M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 1.98× | 3.47× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | — | ||
| Q3 25 | $135.8M | $140.7M | ||
| Q2 25 | $116.9M | $85.4M | ||
| Q1 25 | $126.6M | $19.0M | ||
| Q4 24 | $198.1M | — | ||
| Q3 24 | $113.1M | $109.5M | ||
| Q2 24 | $106.2M | $72.0M | ||
| Q1 24 | $122.5M | $31.8M |
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | 3.47× | ||
| Q2 25 | 1.95× | 3.28× | ||
| Q1 25 | 1.51× | 1.65× | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | 2.41× | ||
| Q2 24 | 2.16× | 2.11× | ||
| Q1 24 | 2.00× | 1.46× |
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% |
NOA
Segment breakdown not available.
