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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and RADIAN GROUP INC (RDN). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $300.5M, roughly 1.7× RADIAN GROUP INC). RADIAN GROUP INC runs the higher net margin — 51.5% vs 20.8%, a 30.7% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 2.7%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs -0.2%).
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.
Radian Group Inc. is a mortgage insurance company with a suite of mortgage, risk, real estate, and title services.
FCFS vs RDN — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $300.5M |
| Net Profit | $104.2M | $154.8M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | 76.2% |
| Net Margin | 20.8% | 51.5% |
| Revenue YoY | 21.2% | 2.7% |
| Net Profit YoY | 24.7% | 4.4% |
| EPS (diluted) | $2.35 | $1.11 |
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 | $300.5M | ||
| Q3 25 | $411.0M | $303.2M | ||
| Q2 25 | $385.1M | $298.6M | ||
| Q1 25 | $371.1M | $294.8M | ||
| Q4 24 | $413.7M | $292.7M | ||
| Q3 24 | $363.1M | $313.4M | ||
| Q2 24 | $363.5M | $298.6M | ||
| Q1 24 | $366.8M | $301.7M |
| Q4 25 | $104.2M | $154.8M | ||
| Q3 25 | $82.8M | $141.4M | ||
| Q2 25 | $59.8M | $141.8M | ||
| Q1 25 | $83.6M | $144.6M | ||
| Q4 24 | $83.5M | $148.3M | ||
| Q3 24 | $64.8M | $151.9M | ||
| Q2 24 | $49.1M | $151.9M | ||
| Q1 24 | $61.4M | $152.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 97.2% | ||
| Q1 25 | — | 97.0% | ||
| Q4 24 | — | 96.6% | ||
| Q3 24 | — | 97.0% | ||
| Q2 24 | — | 96.8% | ||
| Q1 24 | — | 96.9% |
| Q4 25 | 28.5% | 76.2% | ||
| Q3 25 | 27.4% | 65.5% | ||
| Q2 25 | 21.1% | 58.6% | ||
| Q1 25 | 30.0% | 63.9% | ||
| Q4 24 | 26.5% | 83.6% | ||
| Q3 24 | 23.5% | 68.4% | ||
| Q2 24 | 18.2% | 63.0% | ||
| Q1 24 | 22.3% | 65.8% |
| Q4 25 | 20.8% | 51.5% | ||
| Q3 25 | 20.1% | 46.7% | ||
| Q2 25 | 15.5% | 47.5% | ||
| Q1 25 | 22.5% | 49.0% | ||
| Q4 24 | 20.2% | 50.7% | ||
| Q3 24 | 17.9% | 48.5% | ||
| Q2 24 | 13.5% | 50.9% | ||
| Q1 24 | 16.7% | 50.5% |
| Q4 25 | $2.35 | $1.11 | ||
| Q3 25 | $1.86 | $1.03 | ||
| Q2 25 | $1.34 | $1.02 | ||
| Q1 25 | $1.87 | $0.98 | ||
| Q4 24 | $1.86 | $0.97 | ||
| Q3 24 | $1.44 | $0.99 | ||
| Q2 24 | $1.08 | $0.98 | ||
| Q1 24 | $1.35 | $0.98 |
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 | $24.8M |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $2.3B | $4.8B |
| Total Assets | $5.3B | $8.1B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $24.8M | ||
| Q3 25 | $130.2M | $15.3M | ||
| Q2 25 | $101.5M | $22.1M | ||
| Q1 25 | $146.0M | $24.2M | ||
| Q4 24 | $175.1M | $19.2M | ||
| Q3 24 | $106.3M | $28.1M | ||
| Q2 24 | $113.7M | $13.8M | ||
| Q1 24 | $135.1M | $27.0M |
| 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 | $4.8B | ||
| Q3 25 | $2.2B | $4.7B | ||
| Q2 25 | $2.1B | $4.5B | ||
| Q1 25 | $2.1B | $4.6B | ||
| Q4 24 | $2.1B | $4.6B | ||
| Q3 24 | $2.0B | $4.7B | ||
| Q2 24 | $2.0B | $4.5B | ||
| Q1 24 | $2.0B | $4.4B |
| Q4 25 | $5.3B | $8.1B | ||
| Q3 25 | $5.2B | $8.2B | ||
| Q2 25 | $4.5B | $9.6B | ||
| Q1 25 | $4.4B | $8.8B | ||
| Q4 24 | $4.5B | $8.7B | ||
| Q3 24 | $4.4B | $8.4B | ||
| Q2 24 | $4.3B | $8.1B | ||
| Q1 24 | $4.2B | $7.8B |
| 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 | $119.9M |
| Free Cash FlowOCF − Capex | — | $115.7M |
| FCF MarginFCF / Revenue | — | 38.5% |
| Capex IntensityCapex / Revenue | — | 1.4% |
| Cash ConversionOCF / Net Profit | 1.98× | 0.77× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-174.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $119.9M | ||
| Q3 25 | $135.8M | $358.4M | ||
| Q2 25 | $116.9M | $-713.3M | ||
| Q1 25 | $126.6M | $67.8M | ||
| Q4 24 | $198.1M | $-663.6M | ||
| Q3 24 | $113.1M | $-237.9M | ||
| Q2 24 | $106.2M | $-207.3M | ||
| Q1 24 | $122.5M | $51.0M |
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $357.6M | ||
| Q2 25 | — | $-714.6M | ||
| Q1 25 | — | $66.6M | ||
| Q4 24 | — | $-665.1M | ||
| Q3 24 | — | $-239.2M | ||
| Q2 24 | — | $-208.3M | ||
| Q1 24 | — | $49.5M |
| Q4 25 | — | 38.5% | ||
| Q3 25 | — | 117.9% | ||
| Q2 25 | — | -239.4% | ||
| Q1 25 | — | 22.6% | ||
| Q4 24 | — | -227.3% | ||
| Q3 24 | — | -76.3% | ||
| Q2 24 | — | -69.8% | ||
| Q1 24 | — | 16.4% |
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.4% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.4% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.5% |
| Q4 25 | 1.98× | 0.77× | ||
| Q3 25 | 1.64× | 2.53× | ||
| Q2 25 | 1.95× | -5.03× | ||
| Q1 25 | 1.51× | 0.47× | ||
| Q4 24 | 2.37× | -4.47× | ||
| Q3 24 | 1.74× | -1.57× | ||
| Q2 24 | 2.16× | -1.36× | ||
| Q1 24 | 2.00× | 0.34× |
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% |
RDN
Segment breakdown not available.
