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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and PATRICK INDUSTRIES INC (PATK). Click either name above to swap in a different company.
PATRICK INDUSTRIES INC is the larger business by last-quarter revenue ($924.2M vs $501.3M, roughly 1.8× FirstCash Holdings, Inc.). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 3.1%, a 17.6% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 9.2%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs -0.5%).
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.
Anduril Industries, Inc. is an American defense technology company specializing in the development of advanced autonomous systems.
FCFS vs PATK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $924.2M |
| Net Profit | $104.2M | $29.1M |
| Gross Margin | — | 23.0% |
| Operating Margin | 28.5% | 6.2% |
| Net Margin | 20.8% | 3.1% |
| Revenue YoY | 21.2% | 9.2% |
| Net Profit YoY | 24.7% | 99.7% |
| EPS (diluted) | $2.35 | $0.82 |
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 | $924.2M | ||
| Q3 25 | $411.0M | $975.6M | ||
| Q2 25 | $385.1M | $1.0B | ||
| Q1 25 | $371.1M | $1.0B | ||
| Q4 24 | $413.7M | $846.1M | ||
| Q3 24 | $363.1M | $919.4M | ||
| Q2 24 | $363.5M | $1.0B | ||
| Q1 24 | $366.8M | $933.5M |
| Q4 25 | $104.2M | $29.1M | ||
| Q3 25 | $82.8M | $35.3M | ||
| Q2 25 | $59.8M | $32.4M | ||
| Q1 25 | $83.6M | $38.2M | ||
| Q4 24 | $83.5M | $14.6M | ||
| Q3 24 | $64.8M | $40.9M | ||
| Q2 24 | $49.1M | $47.9M | ||
| Q1 24 | $61.4M | $35.1M |
| Q4 25 | — | 23.0% | ||
| Q3 25 | — | 22.6% | ||
| Q2 25 | — | 23.9% | ||
| Q1 25 | — | 22.8% | ||
| Q4 24 | — | 22.1% | ||
| Q3 24 | — | 23.1% | ||
| Q2 24 | — | 22.8% | ||
| Q1 24 | — | 21.9% |
| Q4 25 | 28.5% | 6.2% | ||
| Q3 25 | 27.4% | 6.8% | ||
| Q2 25 | 21.1% | 8.3% | ||
| Q1 25 | 30.0% | 6.5% | ||
| Q4 24 | 26.5% | 4.7% | ||
| Q3 24 | 23.5% | 8.1% | ||
| Q2 24 | 18.2% | 8.3% | ||
| Q1 24 | 22.3% | 6.4% |
| Q4 25 | 20.8% | 3.1% | ||
| Q3 25 | 20.1% | 3.6% | ||
| Q2 25 | 15.5% | 3.1% | ||
| Q1 25 | 22.5% | 3.8% | ||
| Q4 24 | 20.2% | 1.7% | ||
| Q3 24 | 17.9% | 4.4% | ||
| Q2 24 | 13.5% | 4.7% | ||
| Q1 24 | 16.7% | 3.8% |
| Q4 25 | $2.35 | $0.82 | ||
| Q3 25 | $1.86 | $1.01 | ||
| Q2 25 | $1.34 | $0.96 | ||
| Q1 25 | $1.87 | $1.11 | ||
| Q4 24 | $1.86 | $-1.44 | ||
| Q3 24 | $1.44 | $1.80 | ||
| Q2 24 | $1.08 | $2.16 | ||
| Q1 24 | $1.35 | $1.59 |
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 | $26.4M |
| Total DebtLower is stronger | $2.2B | $1.3B |
| Stockholders' EquityBook value | $2.3B | $1.2B |
| Total Assets | $5.3B | $3.1B |
| Debt / EquityLower = less leverage | 0.98× | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $26.4M | ||
| Q3 25 | $130.2M | $20.7M | ||
| Q2 25 | $101.5M | $22.0M | ||
| Q1 25 | $146.0M | $86.6M | ||
| Q4 24 | $175.1M | $33.6M | ||
| Q3 24 | $106.3M | $52.6M | ||
| Q2 24 | $113.7M | $44.0M | ||
| Q1 24 | $135.1M | $17.6M |
| Q4 25 | $2.2B | $1.3B | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | $1.3B | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.5B | — |
| Q4 25 | $2.3B | $1.2B | ||
| Q3 25 | $2.2B | $1.2B | ||
| Q2 25 | $2.1B | $1.1B | ||
| Q1 25 | $2.1B | $1.1B | ||
| Q4 24 | $2.1B | $1.1B | ||
| Q3 24 | $2.0B | $1.1B | ||
| Q2 24 | $2.0B | $1.1B | ||
| Q1 24 | $2.0B | $1.1B |
| Q4 25 | $5.3B | $3.1B | ||
| Q3 25 | $5.2B | $3.1B | ||
| Q2 25 | $4.5B | $3.1B | ||
| Q1 25 | $4.4B | $3.2B | ||
| Q4 24 | $4.5B | $3.0B | ||
| Q3 24 | $4.4B | $3.1B | ||
| Q2 24 | $4.3B | $3.0B | ||
| Q1 24 | $4.2B | $3.0B |
| Q4 25 | 0.98× | 1.10× | ||
| Q3 25 | 1.01× | — | ||
| Q2 25 | 0.79× | — | ||
| Q1 25 | 0.83× | — | ||
| Q4 24 | 0.85× | 1.18× | ||
| 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 | $130.8M |
| Free Cash FlowOCF − Capex | — | $112.7M |
| FCF MarginFCF / Revenue | — | 12.2% |
| Capex IntensityCapex / Revenue | — | 2.0% |
| Cash ConversionOCF / Net Profit | 1.98× | 4.50× |
| TTM Free Cash FlowTrailing 4 quarters | — | $246.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $130.8M | ||
| Q3 25 | $135.8M | $9.1M | ||
| Q2 25 | $116.9M | $149.4M | ||
| Q1 25 | $126.6M | $40.1M | ||
| Q4 24 | $198.1M | $102.7M | ||
| Q3 24 | $113.1M | $51.5M | ||
| Q2 24 | $106.2M | $137.5M | ||
| Q1 24 | $122.5M | $35.2M |
| Q4 25 | — | $112.7M | ||
| Q3 25 | — | $-17.2M | ||
| Q2 25 | — | $131.1M | ||
| Q1 25 | — | $19.9M | ||
| Q4 24 | — | $77.2M | ||
| Q3 24 | — | $33.7M | ||
| Q2 24 | — | $120.6M | ||
| Q1 24 | — | $19.7M |
| Q4 25 | — | 12.2% | ||
| Q3 25 | — | -1.8% | ||
| Q2 25 | — | 12.5% | ||
| Q1 25 | — | 2.0% | ||
| Q4 24 | — | 9.1% | ||
| Q3 24 | — | 3.7% | ||
| Q2 24 | — | 11.9% | ||
| Q1 24 | — | 2.1% |
| Q4 25 | — | 2.0% | ||
| Q3 25 | — | 2.7% | ||
| Q2 25 | — | 1.7% | ||
| Q1 25 | — | 2.0% | ||
| Q4 24 | — | 3.0% | ||
| Q3 24 | — | 1.9% | ||
| Q2 24 | — | 1.7% | ||
| Q1 24 | — | 1.7% |
| Q4 25 | 1.98× | 4.50× | ||
| Q3 25 | 1.64× | 0.26× | ||
| Q2 25 | 1.95× | 4.61× | ||
| Q1 25 | 1.51× | 1.05× | ||
| Q4 24 | 2.37× | 7.05× | ||
| Q3 24 | 1.74× | 1.26× | ||
| Q2 24 | 2.16× | 2.87× | ||
| Q1 24 | 2.00× | 1.00× |
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% |
PATK
| Recreational Vehicle | $276.3M | 30% |
| Distribution | $222.4M | 24% |
| Marine | $141.9M | 15% |
| Industrial | $110.8M | 12% |
| Powersports | $104.8M | 11% |
| Manufactured Housing | $67.9M | 7% |
