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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and POTLATCHDELTIC CORP (PCH). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $314.2M, roughly 1.6× POTLATCHDELTIC CORP). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 8.2%, a 12.5% gap on every dollar of revenue. On growth, POTLATCHDELTIC CORP posted the faster year-over-year revenue change (23.1% vs 21.2%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 11.1%).
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.
POTLATCHDELTIC CORPPCHEarnings & Financial Report
PotlatchDeltic Corporation is an American diversified forest products company based in Spokane, Washington.
FCFS vs PCH — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $314.2M |
| Net Profit | $104.2M | $25.9M |
| Gross Margin | — | 18.2% |
| Operating Margin | 28.5% | 11.2% |
| Net Margin | 20.8% | 8.2% |
| Revenue YoY | 21.2% | 23.1% |
| Net Profit YoY | 24.7% | 682.5% |
| EPS (diluted) | $2.35 | $0.33 |
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 | $314.2M | ||
| Q2 25 | $385.1M | $275.0M | ||
| Q1 25 | $371.1M | $268.3M | ||
| Q4 24 | $413.7M | $258.1M | ||
| Q3 24 | $363.1M | $255.1M | ||
| Q2 24 | $363.5M | $320.7M | ||
| Q1 24 | $366.8M | $228.1M |
| Q4 25 | $104.2M | — | ||
| Q3 25 | $82.8M | $25.9M | ||
| Q2 25 | $59.8M | $7.4M | ||
| Q1 25 | $83.6M | $25.8M | ||
| Q4 24 | $83.5M | $5.2M | ||
| Q3 24 | $64.8M | $3.3M | ||
| Q2 24 | $49.1M | $13.7M | ||
| Q1 24 | $61.4M | $-305.0K |
| Q4 25 | — | — | ||
| Q3 25 | — | 18.2% | ||
| Q2 25 | — | 13.0% | ||
| Q1 25 | — | 17.8% | ||
| Q4 24 | — | 13.4% | ||
| Q3 24 | — | 10.8% | ||
| Q2 24 | — | 11.9% | ||
| Q1 24 | — | 7.0% |
| Q4 25 | 28.5% | — | ||
| Q3 25 | 27.4% | 11.2% | ||
| Q2 25 | 21.1% | 5.0% | ||
| Q1 25 | 30.0% | 10.3% | ||
| Q4 24 | 26.5% | 5.2% | ||
| Q3 24 | 23.5% | 2.8% | ||
| Q2 24 | 18.2% | 5.4% | ||
| Q1 24 | 22.3% | -2.1% |
| Q4 25 | 20.8% | — | ||
| Q3 25 | 20.1% | 8.2% | ||
| Q2 25 | 15.5% | 2.7% | ||
| Q1 25 | 22.5% | 9.6% | ||
| Q4 24 | 20.2% | 2.0% | ||
| Q3 24 | 17.9% | 1.3% | ||
| Q2 24 | 13.5% | 4.3% | ||
| Q1 24 | 16.7% | -0.1% |
| Q4 25 | $2.35 | — | ||
| Q3 25 | $1.86 | $0.33 | ||
| Q2 25 | $1.34 | $0.09 | ||
| Q1 25 | $1.87 | $0.33 | ||
| Q4 24 | $1.86 | $0.07 | ||
| Q3 24 | $1.44 | $0.04 | ||
| Q2 24 | $1.08 | $0.17 | ||
| Q1 24 | $1.35 | $0.00 |
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 | $88.8M |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $2.3B | $1.9B |
| Total Assets | $5.3B | $3.2B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | — | ||
| Q3 25 | $130.2M | $88.8M | ||
| Q2 25 | $101.5M | $95.3M | ||
| Q1 25 | $146.0M | $147.5M | ||
| Q4 24 | $175.1M | $151.6M | ||
| Q3 24 | $106.3M | $161.1M | ||
| Q2 24 | $113.7M | $199.7M | ||
| Q1 24 | $135.1M | $180.2M |
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | $1.0B | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.5B | — |
| Q4 25 | $2.3B | — | ||
| Q3 25 | $2.2B | $1.9B | ||
| Q2 25 | $2.1B | $1.9B | ||
| Q1 25 | $2.1B | $2.0B | ||
| Q4 24 | $2.1B | $2.0B | ||
| Q3 24 | $2.0B | $2.1B | ||
| Q2 24 | $2.0B | $2.1B | ||
| Q1 24 | $2.0B | $2.2B |
| Q4 25 | $5.3B | — | ||
| Q3 25 | $5.2B | $3.2B | ||
| Q2 25 | $4.5B | $3.2B | ||
| Q1 25 | $4.4B | $3.3B | ||
| Q4 24 | $4.5B | $3.3B | ||
| Q3 24 | $4.4B | $3.3B | ||
| Q2 24 | $4.3B | $3.4B | ||
| Q1 24 | $4.2B | $3.4B |
| Q4 25 | 0.98× | — | ||
| Q3 25 | 1.01× | — | ||
| Q2 25 | 0.79× | — | ||
| Q1 25 | 0.83× | — | ||
| Q4 24 | 0.85× | 0.51× | ||
| 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 | $65.7M |
| Free Cash FlowOCF − Capex | — | $50.1M |
| FCF MarginFCF / Revenue | — | 15.9% |
| Capex IntensityCapex / Revenue | — | 4.9% |
| Cash ConversionOCF / Net Profit | 1.98× | 2.54× |
| TTM Free Cash FlowTrailing 4 quarters | — | $132.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | — | ||
| Q3 25 | $135.8M | $65.7M | ||
| Q2 25 | $116.9M | $41.0M | ||
| Q1 25 | $126.6M | $49.1M | ||
| Q4 24 | $198.1M | $45.4M | ||
| Q3 24 | $113.1M | $26.5M | ||
| Q2 24 | $106.2M | $100.6M | ||
| Q1 24 | $122.5M | $16.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | $50.1M | ||
| Q2 25 | — | $30.6M | ||
| Q1 25 | — | $26.3M | ||
| Q4 24 | — | $25.4M | ||
| Q3 24 | — | $-8.2M | ||
| Q2 24 | — | $72.4M | ||
| Q1 24 | — | $2.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | 15.9% | ||
| Q2 25 | — | 11.1% | ||
| Q1 25 | — | 9.8% | ||
| Q4 24 | — | 9.9% | ||
| Q3 24 | — | -3.2% | ||
| Q2 24 | — | 22.6% | ||
| Q1 24 | — | 0.9% |
| Q4 25 | — | — | ||
| Q3 25 | — | 4.9% | ||
| Q2 25 | — | 3.8% | ||
| Q1 25 | — | 8.5% | ||
| Q4 24 | — | 7.7% | ||
| Q3 24 | — | 13.6% | ||
| Q2 24 | — | 8.8% | ||
| Q1 24 | — | 6.1% |
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | 2.54× | ||
| Q2 25 | 1.95× | 5.58× | ||
| Q1 25 | 1.51× | 1.90× | ||
| Q4 24 | 2.37× | 8.74× | ||
| Q3 24 | 1.74× | 7.99× | ||
| Q2 24 | 2.16× | 7.35× | ||
| Q1 24 | 2.00× | — |
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% |
PCH
| Lumber | $131.8M | 42% |
| Timberlands | $52.5M | 17% |
| Rural Real Estate | $51.3M | 16% |
| Residuals And Panels | $34.0M | 11% |
| Pulpwood | $16.7M | 5% |
| Development Real Estate | $14.6M | 5% |
| Other | $8.1M | 3% |
| Other Products | $5.2M | 2% |
