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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and PHINIA INC. (PHIN). Click either name above to swap in a different company.
PHINIA INC. is the larger business by last-quarter revenue ($889.0M vs $501.3M, roughly 1.8× FirstCash Holdings, Inc.). On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 6.7%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 1.5%).
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.
PHINIA Inc. is a global automotive technology provider specializing in fuel injection systems, starters, alternators, and hybrid/electric vehicle components. It serves OEMs and aftermarket customers across North America, Europe, Asia Pacific and key markets, covering passenger car, commercial vehicle and industrial mobility segments.
FCFS vs PHIN — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $889.0M |
| Net Profit | $104.2M | — |
| Gross Margin | — | 21.7% |
| Operating Margin | 28.5% | 7.8% |
| Net Margin | 20.8% | — |
| Revenue YoY | 21.2% | 6.7% |
| Net Profit YoY | 24.7% | — |
| EPS (diluted) | $2.35 | $1.14 |
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 | $889.0M | ||
| Q3 25 | $411.0M | $908.0M | ||
| Q2 25 | $385.1M | $890.0M | ||
| Q1 25 | $371.1M | $796.0M | ||
| Q4 24 | $413.7M | $833.0M | ||
| Q3 24 | $363.1M | $839.0M | ||
| Q2 24 | $363.5M | $868.0M | ||
| Q1 24 | $366.8M | $863.0M |
| Q4 25 | $104.2M | — | ||
| Q3 25 | $82.8M | $13.0M | ||
| Q2 25 | $59.8M | $46.0M | ||
| Q1 25 | $83.6M | $26.0M | ||
| Q4 24 | $83.5M | — | ||
| Q3 24 | $64.8M | $31.0M | ||
| Q2 24 | $49.1M | $14.0M | ||
| Q1 24 | $61.4M | $29.0M |
| Q4 25 | — | 21.7% | ||
| Q3 25 | — | 22.0% | ||
| Q2 25 | — | 22.1% | ||
| Q1 25 | — | 21.6% | ||
| Q4 24 | — | 22.7% | ||
| Q3 24 | — | 22.3% | ||
| Q2 24 | — | 21.7% | ||
| Q1 24 | — | 22.2% |
| Q4 25 | 28.5% | 7.8% | ||
| Q3 25 | 27.4% | 3.7% | ||
| Q2 25 | 21.1% | 10.0% | ||
| Q1 25 | 30.0% | 7.8% | ||
| Q4 24 | 26.5% | 6.1% | ||
| Q3 24 | 23.5% | 7.9% | ||
| Q2 24 | 18.2% | 8.2% | ||
| Q1 24 | 22.3% | 8.2% |
| Q4 25 | 20.8% | — | ||
| Q3 25 | 20.1% | 1.4% | ||
| Q2 25 | 15.5% | 5.2% | ||
| Q1 25 | 22.5% | 3.3% | ||
| Q4 24 | 20.2% | — | ||
| Q3 24 | 17.9% | 3.7% | ||
| Q2 24 | 13.5% | 1.6% | ||
| Q1 24 | 16.7% | 3.4% |
| Q4 25 | $2.35 | $1.14 | ||
| Q3 25 | $1.86 | $0.33 | ||
| Q2 25 | $1.34 | $1.14 | ||
| Q1 25 | $1.87 | $0.63 | ||
| Q4 24 | $1.86 | $0.13 | ||
| Q3 24 | $1.44 | $0.70 | ||
| Q2 24 | $1.08 | $0.31 | ||
| Q1 24 | $1.35 | $0.62 |
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 | $359.0M |
| Total DebtLower is stronger | $2.2B | $970.0M |
| Stockholders' EquityBook value | $2.3B | $1.6B |
| Total Assets | $5.3B | $3.8B |
| Debt / EquityLower = less leverage | 0.98× | 0.61× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $359.0M | ||
| Q3 25 | $130.2M | $349.0M | ||
| Q2 25 | $101.5M | $347.0M | ||
| Q1 25 | $146.0M | $373.0M | ||
| Q4 24 | $175.1M | $484.0M | ||
| Q3 24 | $106.3M | $477.0M | ||
| Q2 24 | $113.7M | $339.0M | ||
| Q1 24 | $135.1M | $325.0M |
| Q4 25 | $2.2B | $970.0M | ||
| Q3 25 | $2.2B | $990.0M | ||
| Q2 25 | $1.7B | $990.0M | ||
| Q1 25 | $1.7B | $989.0M | ||
| Q4 24 | $1.7B | $988.0M | ||
| Q3 24 | $1.7B | $987.0M | ||
| Q2 24 | $1.7B | $821.0M | ||
| Q1 24 | $1.5B | $706.0M |
| Q4 25 | $2.3B | $1.6B | ||
| Q3 25 | $2.2B | $1.6B | ||
| Q2 25 | $2.1B | $1.6B | ||
| Q1 25 | $2.1B | $1.5B | ||
| Q4 24 | $2.1B | $1.6B | ||
| Q3 24 | $2.0B | $1.7B | ||
| Q2 24 | $2.0B | $1.7B | ||
| Q1 24 | $2.0B | $1.9B |
| Q4 25 | $5.3B | $3.8B | ||
| Q3 25 | $5.2B | $4.0B | ||
| Q2 25 | $4.5B | $3.9B | ||
| Q1 25 | $4.4B | $3.7B | ||
| Q4 24 | $4.5B | $3.8B | ||
| Q3 24 | $4.4B | $4.0B | ||
| Q2 24 | $4.3B | $3.9B | ||
| Q1 24 | $4.2B | $4.0B |
| Q4 25 | 0.98× | 0.61× | ||
| Q3 25 | 1.01× | 0.62× | ||
| Q2 25 | 0.79× | 0.61× | ||
| Q1 25 | 0.83× | 0.64× | ||
| Q4 24 | 0.85× | 0.63× | ||
| Q3 24 | 0.87× | 0.58× | ||
| Q2 24 | 0.85× | 0.47× | ||
| Q1 24 | 0.75× | 0.38× |
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 | $96.0M |
| Free Cash FlowOCF − Capex | — | $67.0M |
| FCF MarginFCF / Revenue | — | 7.5% |
| Capex IntensityCapex / Revenue | — | 3.3% |
| Cash ConversionOCF / Net Profit | 1.98× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $188.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $96.0M | ||
| Q3 25 | $135.8M | $119.0M | ||
| Q2 25 | $116.9M | $57.0M | ||
| Q1 25 | $126.6M | $40.0M | ||
| Q4 24 | $198.1M | $73.0M | ||
| Q3 24 | $113.1M | $95.0M | ||
| Q2 24 | $106.2M | $109.0M | ||
| Q1 24 | $122.5M | $31.0M |
| Q4 25 | — | $67.0M | ||
| Q3 25 | — | $93.0M | ||
| Q2 25 | — | $23.0M | ||
| Q1 25 | — | $5.0M | ||
| Q4 24 | — | $53.0M | ||
| Q3 24 | — | $70.0M | ||
| Q2 24 | — | $92.0M | ||
| Q1 24 | — | $-12.0M |
| Q4 25 | — | 7.5% | ||
| Q3 25 | — | 10.2% | ||
| Q2 25 | — | 2.6% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | — | 6.4% | ||
| Q3 24 | — | 8.3% | ||
| Q2 24 | — | 10.6% | ||
| Q1 24 | — | -1.4% |
| Q4 25 | — | 3.3% | ||
| Q3 25 | — | 2.9% | ||
| Q2 25 | — | 3.8% | ||
| Q1 25 | — | 4.4% | ||
| Q4 24 | — | 2.4% | ||
| Q3 24 | — | 3.0% | ||
| Q2 24 | — | 2.0% | ||
| Q1 24 | — | 5.0% |
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | 9.15× | ||
| Q2 25 | 1.95× | 1.24× | ||
| Q1 25 | 1.51× | 1.54× | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | 3.06× | ||
| Q2 24 | 2.16× | 7.79× | ||
| Q1 24 | 2.00× | 1.07× |
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% |
PHIN
| Customer | $618.0M | 70% |
| Fuel Systems | $194.0M | 22% |
| Other | $77.0M | 9% |
