vs
Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and Root, Inc. (ROOT). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $397.0M, roughly 1.3× Root, Inc.). On growth, Root, Inc. posted the faster year-over-year revenue change (21.5% vs 21.2%). Over the past eight quarters, Root, Inc.'s revenue compounded faster (24.8% 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.
Root Insurance Company is an online car insurance company operating in the United States.
FCFS vs ROOT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $397.0M |
| Net Profit | $104.2M | — |
| Gross Margin | — | — |
| Operating Margin | 28.5% | 2.6% |
| Net Margin | 20.8% | — |
| Revenue YoY | 21.2% | 21.5% |
| Net Profit YoY | 24.7% | — |
| EPS (diluted) | $2.35 | $0.35 |
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 | $397.0M | ||
| Q3 25 | $411.0M | $387.8M | ||
| Q2 25 | $385.1M | $382.9M | ||
| Q1 25 | $371.1M | $349.4M | ||
| Q4 24 | $413.7M | $326.7M | ||
| Q3 24 | $363.1M | $305.7M | ||
| Q2 24 | $363.5M | $289.2M | ||
| Q1 24 | $366.8M | $254.9M |
| Q4 25 | $104.2M | — | ||
| Q3 25 | $82.8M | $-5.4M | ||
| Q2 25 | $59.8M | $22.0M | ||
| Q1 25 | $83.6M | $18.4M | ||
| Q4 24 | $83.5M | — | ||
| Q3 24 | $64.8M | $22.8M | ||
| Q2 24 | $49.1M | $-7.8M | ||
| Q1 24 | $61.4M | $-6.2M |
| Q4 25 | 28.5% | 2.6% | ||
| Q3 25 | 27.4% | 0.1% | ||
| Q2 25 | 21.1% | 7.1% | ||
| Q1 25 | 30.0% | 6.8% | ||
| Q4 24 | 26.5% | 10.7% | ||
| Q3 24 | 23.5% | 11.3% | ||
| Q2 24 | 18.2% | 1.3% | ||
| Q1 24 | 22.3% | 2.1% |
| Q4 25 | 20.8% | — | ||
| Q3 25 | 20.1% | -1.4% | ||
| Q2 25 | 15.5% | 5.7% | ||
| Q1 25 | 22.5% | 5.3% | ||
| Q4 24 | 20.2% | — | ||
| Q3 24 | 17.9% | 7.5% | ||
| Q2 24 | 13.5% | -2.7% | ||
| Q1 24 | 16.7% | -2.4% |
| Q4 25 | $2.35 | $0.35 | ||
| Q3 25 | $1.86 | $-0.35 | ||
| Q2 25 | $1.34 | $1.29 | ||
| Q1 25 | $1.87 | $1.07 | ||
| Q4 24 | $1.86 | $1.42 | ||
| Q3 24 | $1.44 | $1.35 | ||
| Q2 24 | $1.08 | $-0.52 | ||
| Q1 24 | $1.35 | $-0.42 |
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 | $669.3M |
| Total DebtLower is stronger | $2.2B | $200.3M |
| Stockholders' EquityBook value | $2.3B | $284.3M |
| Total Assets | $5.3B | $1.7B |
| Debt / EquityLower = less leverage | 0.98× | 0.70× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $669.3M | ||
| Q3 25 | $130.2M | $653.3M | ||
| Q2 25 | $101.5M | $641.4M | ||
| Q1 25 | $146.0M | $609.4M | ||
| Q4 24 | $175.1M | $599.3M | ||
| Q3 24 | $106.3M | $674.8M | ||
| Q2 24 | $113.7M | $667.2M | ||
| Q1 24 | $135.1M | $640.5M |
| Q4 25 | $2.2B | $200.3M | ||
| Q3 25 | $2.2B | $200.4M | ||
| Q2 25 | $1.7B | $200.1M | ||
| Q1 25 | $1.7B | $200.0M | ||
| Q4 24 | $1.7B | $200.1M | ||
| Q3 24 | $1.7B | $300.9M | ||
| Q2 24 | $1.7B | $300.1M | ||
| Q1 24 | $1.5B | $299.3M |
| Q4 25 | $2.3B | $284.3M | ||
| Q3 25 | $2.2B | $265.0M | ||
| Q2 25 | $2.1B | $244.5M | ||
| Q1 25 | $2.1B | $228.7M | ||
| Q4 24 | $2.1B | $203.7M | ||
| Q3 24 | $2.0B | $181.9M | ||
| Q2 24 | $2.0B | $151.3M | ||
| Q1 24 | $2.0B | $165.7M |
| Q4 25 | $5.3B | $1.7B | ||
| Q3 25 | $5.2B | $1.6B | ||
| Q2 25 | $4.5B | $1.6B | ||
| Q1 25 | $4.4B | $1.6B | ||
| Q4 24 | $4.5B | $1.5B | ||
| Q3 24 | $4.4B | $1.6B | ||
| Q2 24 | $4.3B | $1.5B | ||
| Q1 24 | $4.2B | $1.4B |
| Q4 25 | 0.98× | 0.70× | ||
| Q3 25 | 1.01× | 0.76× | ||
| Q2 25 | 0.79× | 0.82× | ||
| Q1 25 | 0.83× | 0.87× | ||
| Q4 24 | 0.85× | 0.98× | ||
| Q3 24 | 0.87× | 1.65× | ||
| Q2 24 | 0.85× | 1.98× | ||
| Q1 24 | 0.75× | 1.81× |
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 | $206.5M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | 0.0% |
| Cash ConversionOCF / Net Profit | 1.98× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $206.5M | ||
| Q3 25 | $135.8M | $57.6M | ||
| Q2 25 | $116.9M | $52.0M | ||
| Q1 25 | $126.6M | $26.8M | ||
| Q4 24 | $198.1M | $195.7M | ||
| Q3 24 | $113.1M | $49.4M | ||
| Q2 24 | $106.2M | $62.6M | ||
| Q1 24 | $122.5M | $14.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $195.3M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $62.4M | ||
| Q1 24 | — | $14.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 59.8% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 21.6% | ||
| Q1 24 | — | 5.6% |
| Q4 25 | — | 0.0% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.1% |
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | — | ||
| Q2 25 | 1.95× | 2.36× | ||
| Q1 25 | 1.51× | 1.46× | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | 2.17× | ||
| Q2 24 | 2.16× | — | ||
| Q1 24 | 2.00× | — |
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% |
ROOT
Segment breakdown not available.
