vs
Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and PEGASYSTEMS INC (PEGA). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $430.0M, roughly 1.2× PEGASYSTEMS INC). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 7.6%, a 13.2% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs -9.6%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 10.7%).
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.
Pegasystems Inc. (Pega) is a global software company based in Waltham, Massachusetts, in the United States, and founded in 1983. The company has been publicly traded since 1996 as PEGA (NASDAQ). Pega is a low-code platform for workflow automation and generative AI-powered decision-making for businesses.
FCFS vs PEGA — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $430.0M |
| Net Profit | $104.2M | $32.8M |
| Gross Margin | — | 75.2% |
| Operating Margin | 28.5% | 8.6% |
| Net Margin | 20.8% | 7.6% |
| Revenue YoY | 21.2% | -9.6% |
| Net Profit YoY | 24.7% | -61.6% |
| EPS (diluted) | $2.35 | $0.18 |
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.
| Q1 26 | — | $430.0M | ||
| Q4 25 | $501.3M | $504.3M | ||
| Q3 25 | $411.0M | $381.4M | ||
| Q2 25 | $385.1M | $384.5M | ||
| Q1 25 | $371.1M | $475.6M | ||
| Q4 24 | $413.7M | $490.8M | ||
| Q3 24 | $363.1M | $325.1M | ||
| Q2 24 | $363.5M | $351.2M |
| Q1 26 | — | $32.8M | ||
| Q4 25 | $104.2M | $234.6M | ||
| Q3 25 | $82.8M | $43.4M | ||
| Q2 25 | $59.8M | $30.1M | ||
| Q1 25 | $83.6M | $85.4M | ||
| Q4 24 | $83.5M | $119.1M | ||
| Q3 24 | $64.8M | $-14.4M | ||
| Q2 24 | $49.1M | $6.6M |
| Q1 26 | — | 75.2% | ||
| Q4 25 | — | 79.5% | ||
| Q3 25 | — | 72.2% | ||
| Q2 25 | — | 71.5% | ||
| Q1 25 | — | 78.5% | ||
| Q4 24 | — | 79.1% | ||
| Q3 24 | — | 70.2% | ||
| Q2 24 | — | 72.4% |
| Q1 26 | — | 8.6% | ||
| Q4 25 | 28.5% | 20.7% | ||
| Q3 25 | 27.4% | 3.8% | ||
| Q2 25 | 21.1% | 4.5% | ||
| Q1 25 | 30.0% | 26.7% | ||
| Q4 24 | 26.5% | 29.1% | ||
| Q3 24 | 23.5% | -3.6% | ||
| Q2 24 | 18.2% | 3.7% |
| Q1 26 | — | 7.6% | ||
| Q4 25 | 20.8% | 46.5% | ||
| Q3 25 | 20.1% | 11.4% | ||
| Q2 25 | 15.5% | 7.8% | ||
| Q1 25 | 22.5% | 18.0% | ||
| Q4 24 | 20.2% | 24.3% | ||
| Q3 24 | 17.9% | -4.4% | ||
| Q2 24 | 13.5% | 1.9% |
| Q1 26 | — | $0.18 | ||
| Q4 25 | $2.35 | $0.81 | ||
| Q3 25 | $1.86 | $0.24 | ||
| Q2 25 | $1.34 | $0.17 | ||
| Q1 25 | $1.87 | $0.91 | ||
| Q4 24 | $1.86 | $1.35 | ||
| Q3 24 | $1.44 | $-0.17 | ||
| Q2 24 | $1.08 | $0.07 |
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 | $270.0M |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $2.3B | $705.9M |
| Total Assets | $5.3B | $1.6B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $270.0M | ||
| Q4 25 | $125.2M | $425.8M | ||
| Q3 25 | $130.2M | $351.4M | ||
| Q2 25 | $101.5M | $411.6M | ||
| Q1 25 | $146.0M | $371.7M | ||
| Q4 24 | $175.1M | $740.0M | ||
| Q3 24 | $106.3M | $703.0M | ||
| Q2 24 | $113.7M | $665.1M |
| Q1 26 | — | — | ||
| 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 26 | — | $705.9M | ||
| Q4 25 | $2.3B | $787.4M | ||
| Q3 25 | $2.2B | $596.8M | ||
| Q2 25 | $2.1B | $624.5M | ||
| Q1 25 | $2.1B | $611.3M | ||
| Q4 24 | $2.1B | $585.5M | ||
| Q3 24 | $2.0B | $473.0M | ||
| Q2 24 | $2.0B | $435.4M |
| Q1 26 | — | $1.6B | ||
| Q4 25 | $5.3B | $1.6B | ||
| Q3 25 | $5.2B | $1.3B | ||
| Q2 25 | $4.5B | $1.3B | ||
| Q1 25 | $4.4B | $1.3B | ||
| Q4 24 | $4.5B | $1.8B | ||
| Q3 24 | $4.4B | $1.6B | ||
| Q2 24 | $4.3B | $1.5B |
| Q1 26 | — | — | ||
| 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× | — |
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 | — |
| Free Cash FlowOCF − Capex | — | $206.5M |
| FCF MarginFCF / Revenue | — | 48.0% |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 1.98× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $494.9M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $206.6M | $158.4M | ||
| Q3 25 | $135.8M | $56.3M | ||
| Q2 25 | $116.9M | $86.3M | ||
| Q1 25 | $126.6M | $204.2M | ||
| Q4 24 | $198.1M | $95.2M | ||
| Q3 24 | $113.1M | $30.5M | ||
| Q2 24 | $106.2M | $40.1M |
| Q1 26 | — | $206.5M | ||
| Q4 25 | — | $152.4M | ||
| Q3 25 | — | $51.8M | ||
| Q2 25 | — | $84.1M | ||
| Q1 25 | — | $202.3M | ||
| Q4 24 | — | $92.4M | ||
| Q3 24 | — | $27.4M | ||
| Q2 24 | — | $38.8M |
| Q1 26 | — | 48.0% | ||
| Q4 25 | — | 30.2% | ||
| Q3 25 | — | 13.6% | ||
| Q2 25 | — | 21.9% | ||
| Q1 25 | — | 42.5% | ||
| Q4 24 | — | 18.8% | ||
| Q3 24 | — | 8.4% | ||
| Q2 24 | — | 11.1% |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.2% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.6% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | 0.4% |
| Q1 26 | — | — | ||
| Q4 25 | 1.98× | 0.68× | ||
| Q3 25 | 1.64× | 1.30× | ||
| Q2 25 | 1.95× | 2.87× | ||
| Q1 25 | 1.51× | 2.39× | ||
| Q4 24 | 2.37× | 0.80× | ||
| Q3 24 | 1.74× | — | ||
| Q2 24 | 2.16× | 6.06× |
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% |
PEGA
| Pega Cloud | $205.0M | 48% |
| Subscription license | $94.9M | 22% |
| Maintenance | $75.3M | 18% |
| Consulting | $54.8M | 13% |
