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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and PRA GROUP INC (PRAA). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $333.4M, roughly 1.5× PRA GROUP INC). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 17.0%, a 3.8% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 13.7%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 14.2%).
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.
PRA Group, Inc. is a publicly traded debt buyer and debt collection company based in Norfolk, Virginia. The company buys delinquent consumer debt from credit card issuers and other financial institutions at a discount and pursues collection of the full debt owed. Founded in 1996, PRA Group employs more than 3200 people in 18 countries.
FCFS vs PRAA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $333.4M |
| Net Profit | $104.2M | $56.5M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | 37.7% |
| Net Margin | 20.8% | 17.0% |
| Revenue YoY | 21.2% | 13.7% |
| Net Profit YoY | 24.7% | 206.3% |
| EPS (diluted) | $2.35 | $1.47 |
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 | $333.4M | ||
| Q3 25 | $411.0M | $311.1M | ||
| Q2 25 | $385.1M | $287.7M | ||
| Q1 25 | $371.1M | $269.6M | ||
| Q4 24 | $413.7M | $293.2M | ||
| Q3 24 | $363.1M | $281.5M | ||
| Q2 24 | $363.5M | $284.2M | ||
| Q1 24 | $366.8M | $255.6M |
| Q4 25 | $104.2M | $56.5M | ||
| Q3 25 | $82.8M | $-407.7M | ||
| Q2 25 | $59.8M | $42.4M | ||
| Q1 25 | $83.6M | $3.7M | ||
| Q4 24 | $83.5M | $18.5M | ||
| Q3 24 | $64.8M | $27.2M | ||
| Q2 24 | $49.1M | $21.5M | ||
| Q1 24 | $61.4M | $3.5M |
| Q4 25 | 28.5% | 37.7% | ||
| Q3 25 | 27.4% | -101.4% | ||
| Q2 25 | 21.1% | 29.6% | ||
| Q1 25 | 30.0% | 27.7% | ||
| Q4 24 | 26.5% | 32.1% | ||
| Q3 24 | 23.5% | 32.0% | ||
| Q2 24 | 18.2% | 31.4% | ||
| Q1 24 | 22.3% | 26.0% |
| Q4 25 | 20.8% | 17.0% | ||
| Q3 25 | 20.1% | -131.0% | ||
| Q2 25 | 15.5% | 14.7% | ||
| Q1 25 | 22.5% | 1.4% | ||
| Q4 24 | 20.2% | 6.3% | ||
| Q3 24 | 17.9% | 9.6% | ||
| Q2 24 | 13.5% | 7.6% | ||
| Q1 24 | 16.7% | 1.4% |
| Q4 25 | $2.35 | $1.47 | ||
| Q3 25 | $1.86 | $-10.43 | ||
| Q2 25 | $1.34 | $1.08 | ||
| Q1 25 | $1.87 | $0.09 | ||
| Q4 24 | $1.86 | $0.47 | ||
| Q3 24 | $1.44 | $0.69 | ||
| Q2 24 | $1.08 | $0.54 | ||
| Q1 24 | $1.35 | $0.09 |
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 | $104.4M |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $2.3B | $979.9M |
| Total Assets | $5.3B | $5.1B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $104.4M | ||
| Q3 25 | $130.2M | $107.5M | ||
| Q2 25 | $101.5M | $131.6M | ||
| Q1 25 | $146.0M | $128.7M | ||
| Q4 24 | $175.1M | $105.9M | ||
| Q3 24 | $106.3M | $141.1M | ||
| Q2 24 | $113.7M | $118.9M | ||
| Q1 24 | $135.1M | $108.1M |
| 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 | $979.9M | ||
| Q3 25 | $2.2B | $928.5M | ||
| Q2 25 | $2.1B | $1.3B | ||
| Q1 25 | $2.1B | $1.2B | ||
| Q4 24 | $2.1B | $1.1B | ||
| Q3 24 | $2.0B | $1.2B | ||
| Q2 24 | $2.0B | $1.1B | ||
| Q1 24 | $2.0B | $1.1B |
| Q4 25 | $5.3B | $5.1B | ||
| Q3 25 | $5.2B | $5.0B | ||
| Q2 25 | $4.5B | $5.4B | ||
| Q1 25 | $4.4B | $5.1B | ||
| Q4 24 | $4.5B | $4.9B | ||
| Q3 24 | $4.4B | $4.9B | ||
| Q2 24 | $4.3B | $4.7B | ||
| Q1 24 | $4.2B | $4.5B |
| 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 | $-85.5M |
| Free Cash FlowOCF − Capex | — | $-90.4M |
| FCF MarginFCF / Revenue | — | -27.1% |
| Capex IntensityCapex / Revenue | — | 1.4% |
| Cash ConversionOCF / Net Profit | 1.98× | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $-85.5M | ||
| Q3 25 | $135.8M | $-10.1M | ||
| Q2 25 | $116.9M | $-12.9M | ||
| Q1 25 | $126.6M | $-52.6M | ||
| Q4 24 | $198.1M | $-94.6M | ||
| Q3 24 | $113.1M | $-35.0M | ||
| Q2 24 | $106.2M | $-29.5M | ||
| Q1 24 | $122.5M | $-73.0M |
| Q4 25 | — | $-90.4M | ||
| Q3 25 | — | $-11.3M | ||
| Q2 25 | — | $-14.2M | ||
| Q1 25 | — | $-53.5M | ||
| Q4 24 | — | $-98.6M | ||
| Q3 24 | — | $-36.1M | ||
| Q2 24 | — | $-30.8M | ||
| Q1 24 | — | $-73.5M |
| Q4 25 | — | -27.1% | ||
| Q3 25 | — | -3.6% | ||
| Q2 25 | — | -4.9% | ||
| Q1 25 | — | -19.8% | ||
| Q4 24 | — | -33.6% | ||
| Q3 24 | — | -12.8% | ||
| Q2 24 | — | -10.8% | ||
| Q1 24 | — | -28.8% |
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 0.4% | ||
| Q2 25 | — | 0.4% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 0.4% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.2% |
| Q4 25 | 1.98× | -1.51× | ||
| Q3 25 | 1.64× | — | ||
| Q2 25 | 1.95× | -0.30× | ||
| Q1 25 | 1.51× | -14.37× | ||
| Q4 24 | 2.37× | -5.13× | ||
| Q3 24 | 1.74× | -1.29× | ||
| Q2 24 | 2.16× | -1.37× | ||
| Q1 24 | 2.00× | -21.01× |
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% |
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
