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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and Primerica, Inc. (PRI). Click either name above to swap in a different company.
Primerica, Inc. is the larger business by last-quarter revenue ($853.7M vs $501.3M, roughly 1.7× FirstCash Holdings, Inc.). Primerica, Inc. runs the higher net margin — 23.1% vs 20.8%, a 2.3% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 11.0%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 7.2%).
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.
Primerica, Inc. is a multi-level marketing company that provides insurance, investment and financial services to middle-income families in the United States and Canada.
FCFS vs PRI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $853.7M |
| Net Profit | $104.2M | $197.0M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | 28.9% |
| Net Margin | 20.8% | 23.1% |
| Revenue YoY | 21.2% | 11.0% |
| Net Profit YoY | 24.7% | 17.9% |
| EPS (diluted) | $2.35 | $6.11 |
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 | $853.7M | ||
| Q3 25 | $411.0M | $839.9M | ||
| Q2 25 | $385.1M | $793.3M | ||
| Q1 25 | $371.1M | $804.8M | ||
| Q4 24 | $413.7M | $768.8M | ||
| Q3 24 | $363.1M | $774.1M | ||
| Q2 24 | $363.5M | $803.4M | ||
| Q1 24 | $366.8M | $742.8M |
| Q4 25 | $104.2M | $197.0M | ||
| Q3 25 | $82.8M | $206.8M | ||
| Q2 25 | $59.8M | $178.3M | ||
| Q1 25 | $83.6M | $169.1M | ||
| Q4 24 | $83.5M | $167.1M | ||
| Q3 24 | $64.8M | $164.4M | ||
| Q2 24 | $49.1M | $1.2M | ||
| Q1 24 | $61.4M | $137.9M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 98.0% | ||
| Q1 24 | — | 98.2% |
| Q4 25 | 28.5% | 28.9% | ||
| Q3 25 | 27.4% | 32.3% | ||
| Q2 25 | 21.1% | 29.6% | ||
| Q1 25 | 30.0% | 27.5% | ||
| Q4 24 | 26.5% | 64.7% | ||
| Q3 24 | 23.5% | 32.9% | ||
| Q2 24 | 18.2% | 1.0% | ||
| Q1 24 | 22.3% | 24.1% |
| Q4 25 | 20.8% | 23.1% | ||
| Q3 25 | 20.1% | 24.6% | ||
| Q2 25 | 15.5% | 22.5% | ||
| Q1 25 | 22.5% | 21.0% | ||
| Q4 24 | 20.2% | 21.7% | ||
| Q3 24 | 17.9% | 21.2% | ||
| Q2 24 | 13.5% | 0.1% | ||
| Q1 24 | 16.7% | 18.6% |
| Q4 25 | $2.35 | $6.11 | ||
| Q3 25 | $1.86 | $6.35 | ||
| Q2 25 | $1.34 | $5.40 | ||
| Q1 25 | $1.87 | $5.05 | ||
| Q4 24 | $1.86 | $4.92 | ||
| Q3 24 | $1.44 | $4.83 | ||
| Q2 24 | $1.08 | $0.03 | ||
| Q1 24 | $1.35 | $3.93 |
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 | $756.2M |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $2.3B | $2.4B |
| Total Assets | $5.3B | $15.0B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $756.2M | ||
| Q3 25 | $130.2M | $644.9M | ||
| Q2 25 | $101.5M | $621.2M | ||
| Q1 25 | $146.0M | $625.1M | ||
| Q4 24 | $175.1M | $687.8M | ||
| Q3 24 | $106.3M | $550.1M | ||
| Q2 24 | $113.7M | $627.3M | ||
| Q1 24 | $135.1M | $593.4M |
| 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 | $2.4B | ||
| Q3 25 | $2.2B | $2.3B | ||
| Q2 25 | $2.1B | $2.3B | ||
| Q1 25 | $2.1B | $2.3B | ||
| Q4 24 | $2.1B | $2.3B | ||
| Q3 24 | $2.0B | $1.9B | ||
| Q2 24 | $2.0B | $2.1B | ||
| Q1 24 | $2.0B | $2.2B |
| Q4 25 | $5.3B | $15.0B | ||
| Q3 25 | $5.2B | $14.8B | ||
| Q2 25 | $4.5B | $14.8B | ||
| Q1 25 | $4.4B | $14.6B | ||
| Q4 24 | $4.5B | $14.6B | ||
| Q3 24 | $4.4B | $14.8B | ||
| Q2 24 | $4.3B | $14.6B | ||
| Q1 24 | $4.2B | $14.9B |
| 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 | $338.2M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 1.98× | 1.72× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $338.2M | ||
| Q3 25 | $135.8M | $202.9M | ||
| Q2 25 | $116.9M | $162.6M | ||
| Q1 25 | $126.6M | $197.5M | ||
| Q4 24 | $198.1M | $270.6M | ||
| Q3 24 | $113.1M | $207.3M | ||
| Q2 24 | $106.2M | $173.3M | ||
| Q1 24 | $122.5M | $210.9M |
| Q4 25 | 1.98× | 1.72× | ||
| Q3 25 | 1.64× | 0.98× | ||
| Q2 25 | 1.95× | 0.91× | ||
| Q1 25 | 1.51× | 1.17× | ||
| Q4 24 | 2.37× | 1.62× | ||
| Q3 24 | 1.74× | 1.26× | ||
| Q2 24 | 2.16× | 147.98× | ||
| Q1 24 | 2.00× | 1.53× |
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% |
PRI
| Revenues From Sources Other Than Contracts With Customers | $445.9M | 52% |
| Investment And Savings Products Segment Revenues | $340.3M | 40% |
| Other | $56.5M | 7% |
| Segment Revenues From Contracts With Customers | $11.0M | 1% |
