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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and SM Energy Co (SM). Click either name above to swap in a different company.
SM Energy Co is the larger business by last-quarter revenue ($704.9M vs $501.3M, roughly 1.4× FirstCash Holdings, Inc.). On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs -17.3%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 12.2%).
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.
SM Energy Company is a company engaged in hydrocarbon exploration. It is organized in Delaware and headquartered in Denver, Colorado.
FCFS vs SM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $704.9M |
| Net Profit | $104.2M | — |
| Gross Margin | — | — |
| Operating Margin | 28.5% | 25.9% |
| Net Margin | 20.8% | — |
| Revenue YoY | 21.2% | -17.3% |
| Net Profit YoY | 24.7% | — |
| EPS (diluted) | $2.35 | $0.94 |
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 | $704.9M | ||
| Q3 25 | $411.0M | $811.6M | ||
| Q2 25 | $385.1M | $792.9M | ||
| Q1 25 | $371.1M | $844.5M | ||
| Q4 24 | $413.7M | $852.0M | ||
| Q3 24 | $363.1M | $643.6M | ||
| Q2 24 | $363.5M | $634.6M | ||
| Q1 24 | $366.8M | $559.9M |
| Q4 25 | $104.2M | — | ||
| Q3 25 | $82.8M | $155.1M | ||
| Q2 25 | $59.8M | $201.7M | ||
| Q1 25 | $83.6M | $182.3M | ||
| Q4 24 | $83.5M | — | ||
| Q3 24 | $64.8M | $240.5M | ||
| Q2 24 | $49.1M | $210.3M | ||
| Q1 24 | $61.4M | $131.2M |
| Q4 25 | 28.5% | 25.9% | ||
| Q3 25 | 27.4% | 30.4% | ||
| Q2 25 | 21.1% | 37.2% | ||
| Q1 25 | 30.0% | 32.7% | ||
| Q4 24 | 26.5% | 33.7% | ||
| Q3 24 | 23.5% | 51.4% | ||
| Q2 24 | 18.2% | 44.0% | ||
| Q1 24 | 22.3% | 31.9% |
| Q4 25 | 20.8% | — | ||
| Q3 25 | 20.1% | 19.1% | ||
| Q2 25 | 15.5% | 25.4% | ||
| Q1 25 | 22.5% | 21.6% | ||
| Q4 24 | 20.2% | — | ||
| Q3 24 | 17.9% | 37.4% | ||
| Q2 24 | 13.5% | 33.1% | ||
| Q1 24 | 16.7% | 23.4% |
| Q4 25 | $2.35 | $0.94 | ||
| Q3 25 | $1.86 | $1.35 | ||
| Q2 25 | $1.34 | $1.76 | ||
| Q1 25 | $1.87 | $1.59 | ||
| Q4 24 | $1.86 | $1.63 | ||
| Q3 24 | $1.44 | $2.09 | ||
| Q2 24 | $1.08 | $1.82 | ||
| Q1 24 | $1.35 | $1.13 |
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 | $368.0M |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $2.3B | $4.8B |
| Total Assets | $5.3B | $9.3B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $368.0M | ||
| Q3 25 | $130.2M | $162.3M | ||
| Q2 25 | $101.5M | $101.9M | ||
| Q1 25 | $146.0M | $54.0K | ||
| Q4 24 | $175.1M | — | ||
| Q3 24 | $106.3M | $1.7B | ||
| Q2 24 | $113.7M | $487.9M | ||
| Q1 24 | $135.1M | $506.3M |
| 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 | $4.6B | ||
| Q1 25 | $2.1B | $4.4B | ||
| Q4 24 | $2.1B | $4.2B | ||
| Q3 24 | $2.0B | $4.1B | ||
| Q2 24 | $2.0B | $3.8B | ||
| Q1 24 | $2.0B | $3.7B |
| Q4 25 | $5.3B | $9.3B | ||
| Q3 25 | $5.2B | $9.1B | ||
| Q2 25 | $4.5B | $9.0B | ||
| Q1 25 | $4.4B | $8.8B | ||
| Q4 24 | $4.5B | $8.6B | ||
| Q3 24 | $4.4B | $8.0B | ||
| Q2 24 | $4.3B | $6.7B | ||
| Q1 24 | $4.2B | $6.4B |
| 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 | $451.9M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 1.98× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $451.9M | ||
| Q3 25 | $135.8M | $505.0M | ||
| Q2 25 | $116.9M | $571.1M | ||
| Q1 25 | $126.6M | $483.0M | ||
| Q4 24 | $198.1M | $578.4M | ||
| Q3 24 | $113.1M | $452.3M | ||
| Q2 24 | $106.2M | $476.4M | ||
| Q1 24 | $122.5M | $276.0M |
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | 3.26× | ||
| Q2 25 | 1.95× | 2.83× | ||
| Q1 25 | 1.51× | 2.65× | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | 1.88× | ||
| Q2 24 | 2.16× | 2.27× | ||
| Q1 24 | 2.00× | 2.10× |
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% |
SM
Segment breakdown not available.
