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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and PROCORE TECHNOLOGIES, INC. (PCOR). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $349.1M, roughly 1.4× PROCORE TECHNOLOGIES, INC.). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs -10.8%, a 31.6% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 15.6%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 13.8%).
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.
Procore Technologies is an American construction management software as a service company founded in 2002, with headquarters in Carpinteria, California. Procore hosts a platform to connect those involved in the construction industry on a global platform. The software allows for the creation of simplified workflows and displays a consolidated view of construction products that includes the tracking of tasks, management of project workflows, and scheduling.
FCFS vs PCOR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $349.1M |
| Net Profit | $104.2M | $-37.6M |
| Gross Margin | — | 80.1% |
| Operating Margin | 28.5% | -12.3% |
| Net Margin | 20.8% | -10.8% |
| Revenue YoY | 21.2% | 15.6% |
| Net Profit YoY | 24.7% | 39.6% |
| EPS (diluted) | $2.35 | $-0.25 |
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 | $349.1M | ||
| Q3 25 | $411.0M | $338.9M | ||
| Q2 25 | $385.1M | $323.9M | ||
| Q1 25 | $371.1M | $310.6M | ||
| Q4 24 | $413.7M | $302.0M | ||
| Q3 24 | $363.1M | $295.9M | ||
| Q2 24 | $363.5M | $284.3M | ||
| Q1 24 | $366.8M | $269.4M |
| Q4 25 | $104.2M | $-37.6M | ||
| Q3 25 | $82.8M | $-9.1M | ||
| Q2 25 | $59.8M | $-21.1M | ||
| Q1 25 | $83.6M | $-33.0M | ||
| Q4 24 | $83.5M | $-62.3M | ||
| Q3 24 | $64.8M | $-26.4M | ||
| Q2 24 | $49.1M | $-6.3M | ||
| Q1 24 | $61.4M | $-11.0M |
| Q4 25 | — | 80.1% | ||
| Q3 25 | — | 79.7% | ||
| Q2 25 | — | 79.1% | ||
| Q1 25 | — | 79.1% | ||
| Q4 24 | — | 81.2% | ||
| Q3 24 | — | 81.4% | ||
| Q2 24 | — | 83.1% | ||
| Q1 24 | — | 83.0% |
| Q4 25 | 28.5% | -12.3% | ||
| Q3 25 | 27.4% | -4.4% | ||
| Q2 25 | 21.1% | -9.3% | ||
| Q1 25 | 30.0% | -11.7% | ||
| Q4 24 | 26.5% | -21.9% | ||
| Q3 24 | 23.5% | -12.3% | ||
| Q2 24 | 18.2% | -5.2% | ||
| Q1 24 | 22.3% | -7.0% |
| Q4 25 | 20.8% | -10.8% | ||
| Q3 25 | 20.1% | -2.7% | ||
| Q2 25 | 15.5% | -6.5% | ||
| Q1 25 | 22.5% | -10.6% | ||
| Q4 24 | 20.2% | -20.6% | ||
| Q3 24 | 17.9% | -8.9% | ||
| Q2 24 | 13.5% | -2.2% | ||
| Q1 24 | 16.7% | -4.1% |
| Q4 25 | $2.35 | $-0.25 | ||
| Q3 25 | $1.86 | $-0.06 | ||
| Q2 25 | $1.34 | $-0.14 | ||
| Q1 25 | $1.87 | $-0.22 | ||
| Q4 24 | $1.86 | $-0.42 | ||
| Q3 24 | $1.44 | $-0.18 | ||
| Q2 24 | $1.08 | $-0.04 | ||
| Q1 24 | $1.35 | $-0.08 |
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 | $768.5M |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $2.3B | $1.3B |
| Total Assets | $5.3B | $2.2B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $768.5M | ||
| Q3 25 | $130.2M | $684.0M | ||
| Q2 25 | $101.5M | $620.9M | ||
| Q1 25 | $146.0M | $566.7M | ||
| Q4 24 | $175.1M | $775.4M | ||
| Q3 24 | $106.3M | $756.9M | ||
| Q2 24 | $113.7M | $735.4M | ||
| Q1 24 | $135.1M | $744.6M |
| 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 | $1.3B | ||
| Q3 25 | $2.2B | $1.2B | ||
| Q2 25 | $2.1B | $1.2B | ||
| Q1 25 | $2.1B | $1.2B | ||
| Q4 24 | $2.1B | $1.3B | ||
| Q3 24 | $2.0B | $1.3B | ||
| Q2 24 | $2.0B | $1.3B | ||
| Q1 24 | $2.0B | $1.2B |
| Q4 25 | $5.3B | $2.2B | ||
| Q3 25 | $5.2B | $2.1B | ||
| Q2 25 | $4.5B | $2.0B | ||
| Q1 25 | $4.4B | $1.9B | ||
| Q4 24 | $4.5B | $2.1B | ||
| Q3 24 | $4.4B | $2.0B | ||
| Q2 24 | $4.3B | $2.0B | ||
| Q1 24 | $4.2B | $1.9B |
| 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 | $114.9M |
| Free Cash FlowOCF − Capex | — | $109.2M |
| FCF MarginFCF / Revenue | — | 31.3% |
| Capex IntensityCapex / Revenue | — | 1.6% |
| Cash ConversionOCF / Net Profit | 1.98× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $282.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $114.9M | ||
| Q3 25 | $135.8M | $88.5M | ||
| Q2 25 | $116.9M | $30.8M | ||
| Q1 25 | $126.6M | $66.0M | ||
| Q4 24 | $198.1M | $29.1M | ||
| Q3 24 | $113.1M | $39.3M | ||
| Q2 24 | $106.2M | $58.7M | ||
| Q1 24 | $122.5M | $69.1M |
| Q4 25 | — | $109.2M | ||
| Q3 25 | — | $83.1M | ||
| Q2 25 | — | $27.9M | ||
| Q1 25 | — | $62.0M | ||
| Q4 24 | — | $17.4M | ||
| Q3 24 | — | $35.7M | ||
| Q2 24 | — | $56.8M | ||
| Q1 24 | — | $67.1M |
| Q4 25 | — | 31.3% | ||
| Q3 25 | — | 24.5% | ||
| Q2 25 | — | 8.6% | ||
| Q1 25 | — | 20.0% | ||
| Q4 24 | — | 5.8% | ||
| Q3 24 | — | 12.1% | ||
| Q2 24 | — | 20.0% | ||
| Q1 24 | — | 24.9% |
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 1.6% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 1.3% | ||
| Q4 24 | — | 3.9% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 0.7% | ||
| Q1 24 | — | 0.8% |
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | — | ||
| Q2 25 | 1.95× | — | ||
| Q1 25 | 1.51× | — | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | — | ||
| Q2 24 | 2.16× | — | ||
| 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% |
PCOR
| US | $298.3M | 85% |
| Non Us | $50.9M | 15% |
