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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and Champion Homes, Inc. (SKY). Click either name above to swap in a different company.
Champion Homes, Inc. is the larger business by last-quarter revenue ($656.6M vs $501.3M, roughly 1.3× FirstCash Holdings, Inc.). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 8.3%, a 12.5% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 1.8%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 10.6%).
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.
Champion Homes, Inc., is a mobile and modular home manufacturing company. It is one of the largest modular homebuilders in North America. The company also provides factory-built housing to the United States and western Canada.
FCFS vs SKY — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $656.6M |
| Net Profit | $104.2M | $54.3M |
| Gross Margin | — | 26.2% |
| Operating Margin | 28.5% | 9.5% |
| Net Margin | 20.8% | 8.3% |
| Revenue YoY | 21.2% | 1.8% |
| Net Profit YoY | 24.7% | -11.7% |
| EPS (diluted) | $2.35 | $0.97 |
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 | $656.6M | ||
| Q3 25 | $411.0M | $684.4M | ||
| Q2 25 | $385.1M | $701.3M | ||
| Q1 25 | $371.1M | $593.9M | ||
| Q4 24 | $413.7M | $644.9M | ||
| Q3 24 | $363.1M | $616.9M | ||
| Q2 24 | $363.5M | $627.8M | ||
| Q1 24 | $366.8M | $536.4M |
| Q4 25 | $104.2M | $54.3M | ||
| Q3 25 | $82.8M | $58.2M | ||
| Q2 25 | $59.8M | $64.7M | ||
| Q1 25 | $83.6M | $36.3M | ||
| Q4 24 | $83.5M | $61.5M | ||
| Q3 24 | $64.8M | $54.7M | ||
| Q2 24 | $49.1M | $45.8M | ||
| Q1 24 | $61.4M | $2.8M |
| Q4 25 | — | 26.2% | ||
| Q3 25 | — | 27.5% | ||
| Q2 25 | — | 27.1% | ||
| Q1 25 | — | 25.7% | ||
| Q4 24 | — | 28.1% | ||
| Q3 24 | — | 27.0% | ||
| Q2 24 | — | 26.2% | ||
| Q1 24 | — | 18.3% |
| Q4 25 | 28.5% | 9.5% | ||
| Q3 25 | 27.4% | 10.9% | ||
| Q2 25 | 21.1% | 11.2% | ||
| Q1 25 | 30.0% | 7.1% | ||
| Q4 24 | 26.5% | 11.3% | ||
| Q3 24 | 23.5% | 10.8% | ||
| Q2 24 | 18.2% | 8.8% | ||
| Q1 24 | 22.3% | 1.4% |
| Q4 25 | 20.8% | 8.3% | ||
| Q3 25 | 20.1% | 8.5% | ||
| Q2 25 | 15.5% | 9.2% | ||
| Q1 25 | 22.5% | 6.1% | ||
| Q4 24 | 20.2% | 9.5% | ||
| Q3 24 | 17.9% | 8.9% | ||
| Q2 24 | 13.5% | 7.3% | ||
| Q1 24 | 16.7% | 0.5% |
| Q4 25 | $2.35 | $0.97 | ||
| Q3 25 | $1.86 | $1.03 | ||
| Q2 25 | $1.34 | $1.13 | ||
| Q1 25 | $1.87 | $0.63 | ||
| Q4 24 | $1.86 | $1.06 | ||
| Q3 24 | $1.44 | $0.94 | ||
| Q2 24 | $1.08 | $0.79 | ||
| Q1 24 | $1.35 | $0.04 |
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 | $659.8M |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $2.3B | $1.6B |
| Total Assets | $5.3B | $2.1B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $659.8M | ||
| Q3 25 | $130.2M | $618.7M | ||
| Q2 25 | $101.5M | $605.3M | ||
| Q1 25 | $146.0M | $610.3M | ||
| Q4 24 | $175.1M | $581.8M | ||
| Q3 24 | $106.3M | $570.2M | ||
| Q2 24 | $113.7M | $548.9M | ||
| Q1 24 | $135.1M | $495.1M |
| 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 | $1.6B | ||
| Q3 25 | $2.2B | $1.6B | ||
| Q2 25 | $2.1B | $1.6B | ||
| Q1 25 | $2.1B | $1.5B | ||
| Q4 24 | $2.1B | $1.5B | ||
| Q3 24 | $2.0B | $1.5B | ||
| Q2 24 | $2.0B | $1.5B | ||
| Q1 24 | $2.0B | $1.4B |
| Q4 25 | $5.3B | $2.1B | ||
| Q3 25 | $5.2B | $2.1B | ||
| Q2 25 | $4.5B | $2.1B | ||
| Q1 25 | $4.4B | $2.1B | ||
| Q4 24 | $4.5B | $2.0B | ||
| Q3 24 | $4.4B | $2.0B | ||
| 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 | $100.0M |
| Free Cash FlowOCF − Capex | — | $92.9M |
| FCF MarginFCF / Revenue | — | 14.1% |
| Capex IntensityCapex / Revenue | — | 1.1% |
| Cash ConversionOCF / Net Profit | 1.98× | 1.84× |
| TTM Free Cash FlowTrailing 4 quarters | — | $259.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $100.0M | ||
| Q3 25 | $135.8M | $75.9M | ||
| Q2 25 | $116.9M | $75.3M | ||
| Q1 25 | $126.6M | $46.0M | ||
| Q4 24 | $198.1M | $50.4M | ||
| Q3 24 | $113.1M | $59.8M | ||
| Q2 24 | $106.2M | $84.6M | ||
| Q1 24 | $122.5M | — |
| Q4 25 | — | $92.9M | ||
| Q3 25 | — | $67.0M | ||
| Q2 25 | — | $66.4M | ||
| Q1 25 | — | $33.4M | ||
| Q4 24 | — | $37.3M | ||
| Q3 24 | — | $45.7M | ||
| Q2 24 | — | $73.9M | ||
| Q1 24 | — | — |
| Q4 25 | — | 14.1% | ||
| Q3 25 | — | 9.8% | ||
| Q2 25 | — | 9.5% | ||
| Q1 25 | — | 5.6% | ||
| Q4 24 | — | 5.8% | ||
| Q3 24 | — | 7.4% | ||
| Q2 24 | — | 11.8% | ||
| Q1 24 | — | — |
| Q4 25 | — | 1.1% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 1.3% | ||
| Q1 25 | — | 2.1% | ||
| Q4 24 | — | 2.0% | ||
| Q3 24 | — | 2.3% | ||
| Q2 24 | — | 1.7% | ||
| Q1 24 | — | — |
| Q4 25 | 1.98× | 1.84× | ||
| Q3 25 | 1.64× | 1.30× | ||
| Q2 25 | 1.95× | 1.16× | ||
| Q1 25 | 1.51× | 1.27× | ||
| Q4 24 | 2.37× | 0.82× | ||
| Q3 24 | 1.74× | 1.09× | ||
| Q2 24 | 2.16× | 1.85× | ||
| 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% |
SKY
| Manufacturing | $369.7M | 56% |
| Retail | $252.7M | 38% |
| Canadian Factory Built Housing | $25.8M | 4% |
| Transportation And Other | $8.5M | 1% |
