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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and Palomar Holdings, Inc. (PLMR). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $253.4M, roughly 2.0× Palomar Holdings, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 21.2%). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 16.9%).
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.
Palomar Holdings, Inc. is a specialty insurance holding company that primarily provides property insurance products for catastrophe-exposed residential and commercial assets. It mainly operates across the United States, focusing on core segments including earthquake, flood, and windstorm coverage to meet high-risk property protection demands of customers.
FCFS vs PLMR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $253.4M |
| Net Profit | $104.2M | — |
| Gross Margin | — | — |
| Operating Margin | 28.5% | 28.7% |
| Net Margin | 20.8% | — |
| Revenue YoY | 21.2% | 62.7% |
| Net Profit YoY | 24.7% | — |
| EPS (diluted) | $2.35 | $2.05 |
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 | $253.4M | ||
| Q3 25 | $411.0M | $244.7M | ||
| Q2 25 | $385.1M | $203.3M | ||
| Q1 25 | $371.1M | $174.6M | ||
| Q4 24 | $413.7M | $155.8M | ||
| Q3 24 | $363.1M | $148.5M | ||
| Q2 24 | $363.5M | $131.1M | ||
| Q1 24 | $366.8M | $118.5M |
| Q4 25 | $104.2M | — | ||
| Q3 25 | $82.8M | $51.5M | ||
| Q2 25 | $59.8M | $46.5M | ||
| Q1 25 | $83.6M | $42.9M | ||
| Q4 24 | $83.5M | — | ||
| Q3 24 | $64.8M | $30.5M | ||
| Q2 24 | $49.1M | $25.7M | ||
| Q1 24 | $61.4M | $26.4M |
| Q4 25 | 28.5% | 28.7% | ||
| Q3 25 | 27.4% | 27.4% | ||
| Q2 25 | 21.1% | 29.5% | ||
| Q1 25 | 30.0% | 30.8% | ||
| Q4 24 | 26.5% | 28.9% | ||
| Q3 24 | 23.5% | 25.9% | ||
| Q2 24 | 18.2% | 25.5% | ||
| Q1 24 | 22.3% | 29.0% |
| Q4 25 | 20.8% | — | ||
| Q3 25 | 20.1% | 21.0% | ||
| Q2 25 | 15.5% | 22.9% | ||
| Q1 25 | 22.5% | 24.6% | ||
| Q4 24 | 20.2% | — | ||
| Q3 24 | 17.9% | 20.5% | ||
| Q2 24 | 13.5% | 19.6% | ||
| Q1 24 | 16.7% | 22.3% |
| Q4 25 | $2.35 | $2.05 | ||
| Q3 25 | $1.86 | $1.87 | ||
| Q2 25 | $1.34 | $1.68 | ||
| Q1 25 | $1.87 | $1.57 | ||
| Q4 24 | $1.86 | $1.29 | ||
| Q3 24 | $1.44 | $1.15 | ||
| Q2 24 | $1.08 | $1.00 | ||
| Q1 24 | $1.35 | $1.04 |
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 | $106.9M |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $2.3B | $942.7M |
| Total Assets | $5.3B | $3.1B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $106.9M | ||
| Q3 25 | $130.2M | $111.7M | ||
| Q2 25 | $101.5M | $81.3M | ||
| Q1 25 | $146.0M | $119.3M | ||
| Q4 24 | $175.1M | $80.4M | ||
| Q3 24 | $106.3M | $86.5M | ||
| Q2 24 | $113.7M | $47.8M | ||
| Q1 24 | $135.1M | $61.4M |
| 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 | $942.7M | ||
| Q3 25 | $2.2B | $878.1M | ||
| Q2 25 | $2.1B | $847.2M | ||
| Q1 25 | $2.1B | $790.4M | ||
| Q4 24 | $2.1B | $729.0M | ||
| Q3 24 | $2.0B | $703.3M | ||
| Q2 24 | $2.0B | $532.6M | ||
| Q1 24 | $2.0B | $501.7M |
| Q4 25 | $5.3B | $3.1B | ||
| Q3 25 | $5.2B | $2.9B | ||
| Q2 25 | $4.5B | $2.8B | ||
| Q1 25 | $4.4B | $2.4B | ||
| Q4 24 | $4.5B | $2.3B | ||
| Q3 24 | $4.4B | $2.3B | ||
| 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 | $409.1M |
| Free Cash FlowOCF − Capex | — | $409.0M |
| FCF MarginFCF / Revenue | — | 161.4% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | 1.98× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $409.1M | ||
| Q3 25 | $135.8M | $83.6M | ||
| Q2 25 | $116.9M | $120.9M | ||
| Q1 25 | $126.6M | $87.2M | ||
| Q4 24 | $198.1M | $261.2M | ||
| Q3 24 | $113.1M | $100.3M | ||
| Q2 24 | $106.2M | $55.1M | ||
| Q1 24 | $122.5M | $33.1M |
| Q4 25 | — | $409.0M | ||
| Q3 25 | — | $83.6M | ||
| Q2 25 | — | $120.8M | ||
| Q1 25 | — | $87.1M | ||
| Q4 24 | — | $260.9M | ||
| Q3 24 | — | $100.1M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | 161.4% | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | 59.4% | ||
| Q1 25 | — | 49.9% | ||
| Q4 24 | — | 167.5% | ||
| Q3 24 | — | 67.4% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | — | 0.0% |
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | 1.63× | ||
| Q2 25 | 1.95× | 2.60× | ||
| Q1 25 | 1.51× | 2.03× | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | 3.29× | ||
| Q2 24 | 2.16× | 2.14× | ||
| Q1 24 | 2.00× | 1.26× |
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% |
PLMR
Segment breakdown not available.
