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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and SouthState Bank Corp (SSB). Click either name above to swap in a different company.
SouthState Bank Corp is the larger business by last-quarter revenue ($661.7M vs $501.3M, roughly 1.3× FirstCash Holdings, Inc.). SouthState Bank Corp runs the higher net margin — 34.1% vs 20.8%, a 13.3% gap on every dollar of revenue. Over the past eight quarters, SouthState Bank Corp's revenue compounded faster (37.4% 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.
SouthState Bank, based in Winter Haven, Florida, is an American bank and a subsidiary of SouthState Corporation, a bank holding company. As of May 26, 2025, the company had 371 branches in South Carolina, North Carolina, Georgia, Florida, Alabama, Virginia, Colorado and Texas.
FCFS vs SSB — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $661.7M |
| Net Profit | $104.2M | $225.8M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | 15.1% |
| Net Margin | 20.8% | 34.1% |
| Revenue YoY | 21.2% | — |
| Net Profit YoY | 24.7% | 153.5% |
| EPS (diluted) | $2.35 | $2.28 |
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.
| Q1 26 | — | $661.7M | ||
| Q4 25 | $501.3M | $581.1M | ||
| Q3 25 | $411.0M | $599.7M | ||
| Q2 25 | $385.1M | $577.9M | ||
| Q1 25 | $371.1M | $544.5M | ||
| Q4 24 | $413.7M | $369.8M | ||
| Q3 24 | $363.1M | $351.5M | ||
| Q2 24 | $363.5M | $350.3M |
| Q1 26 | — | $225.8M | ||
| Q4 25 | $104.2M | $247.7M | ||
| Q3 25 | $82.8M | $246.6M | ||
| Q2 25 | $59.8M | $215.2M | ||
| Q1 25 | $83.6M | $89.1M | ||
| Q4 24 | $83.5M | $144.2M | ||
| Q3 24 | $64.8M | $143.2M | ||
| Q2 24 | $49.1M | $132.4M |
| Q1 26 | — | 15.1% | ||
| Q4 25 | 28.5% | 54.3% | ||
| Q3 25 | 27.4% | 53.6% | ||
| Q2 25 | 21.1% | 48.8% | ||
| Q1 25 | 30.0% | 22.3% | ||
| Q4 24 | 26.5% | 50.7% | ||
| Q3 24 | 23.5% | 53.1% | ||
| Q2 24 | 18.2% | 49.3% |
| Q1 26 | — | 34.1% | ||
| Q4 25 | 20.8% | 42.6% | ||
| Q3 25 | 20.1% | 41.1% | ||
| Q2 25 | 15.5% | 37.2% | ||
| Q1 25 | 22.5% | 16.4% | ||
| Q4 24 | 20.2% | 39.0% | ||
| Q3 24 | 17.9% | 40.7% | ||
| Q2 24 | 13.5% | 37.8% |
| Q1 26 | — | $2.28 | ||
| Q4 25 | $2.35 | $2.47 | ||
| Q3 25 | $1.86 | $2.42 | ||
| Q2 25 | $1.34 | $2.11 | ||
| Q1 25 | $1.87 | $0.87 | ||
| Q4 24 | $1.86 | $1.88 | ||
| Q3 24 | $1.44 | $1.86 | ||
| Q2 24 | $1.08 | $1.73 |
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 | $2.9B |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $2.3B | $9.0B |
| Total Assets | $5.3B | $68.0B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $2.9B | ||
| Q4 25 | $125.2M | — | ||
| Q3 25 | $130.2M | — | ||
| Q2 25 | $101.5M | — | ||
| Q1 25 | $146.0M | — | ||
| Q4 24 | $175.1M | — | ||
| Q3 24 | $106.3M | — | ||
| Q2 24 | $113.7M | — |
| Q1 26 | — | — | ||
| 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 26 | — | $9.0B | ||
| Q4 25 | $2.3B | $9.1B | ||
| Q3 25 | $2.2B | $9.0B | ||
| Q2 25 | $2.1B | $8.8B | ||
| Q1 25 | $2.1B | $8.6B | ||
| Q4 24 | $2.1B | $5.9B | ||
| Q3 24 | $2.0B | $5.9B | ||
| Q2 24 | $2.0B | $5.7B |
| Q1 26 | — | $68.0B | ||
| Q4 25 | $5.3B | $67.2B | ||
| Q3 25 | $5.2B | $66.0B | ||
| Q2 25 | $4.5B | $65.9B | ||
| Q1 25 | $4.4B | $65.1B | ||
| Q4 24 | $4.5B | $46.4B | ||
| Q3 24 | $4.4B | $46.1B | ||
| Q2 24 | $4.3B | $45.5B |
| Q1 26 | — | — | ||
| 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× | — |
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 | — |
| 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.
| Q1 26 | — | — | ||
| Q4 25 | $206.6M | $232.1M | ||
| Q3 25 | $135.8M | $122.4M | ||
| Q2 25 | $116.9M | $72.6M | ||
| Q1 25 | $126.6M | $-126.3M | ||
| Q4 24 | $198.1M | $354.3M | ||
| Q3 24 | $113.1M | $-246.8M | ||
| Q2 24 | $106.2M | $126.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | $215.5M | ||
| Q3 25 | — | $101.7M | ||
| Q2 25 | — | $52.5M | ||
| Q1 25 | — | $-139.1M | ||
| Q4 24 | — | $340.9M | ||
| Q3 24 | — | $-254.2M | ||
| Q2 24 | — | $117.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 37.1% | ||
| Q3 25 | — | 17.0% | ||
| Q2 25 | — | 9.1% | ||
| Q1 25 | — | -25.5% | ||
| Q4 24 | — | 92.2% | ||
| Q3 24 | — | -72.3% | ||
| Q2 24 | — | 33.5% |
| Q1 26 | — | — | ||
| Q4 25 | — | 2.9% | ||
| Q3 25 | — | 3.5% | ||
| Q2 25 | — | 3.5% | ||
| Q1 25 | — | 2.4% | ||
| Q4 24 | — | 3.6% | ||
| Q3 24 | — | 2.1% | ||
| Q2 24 | — | 2.7% |
| Q1 26 | — | — | ||
| Q4 25 | 1.98× | 0.94× | ||
| Q3 25 | 1.64× | 0.50× | ||
| Q2 25 | 1.95× | 0.34× | ||
| Q1 25 | 1.51× | -1.42× | ||
| Q4 24 | 2.37× | 2.46× | ||
| Q3 24 | 1.74× | -1.72× | ||
| Q2 24 | 2.16× | 0.96× |
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% |
SSB
| Net Interest Income | $561.6M | 85% |
| Noninterest Income | $100.1M | 15% |
