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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and Savers Value Village, Inc. (SVV). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $426.9M, roughly 1.2× Savers Value Village, Inc.). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs -3.3%, a 24.1% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 8.1%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 4.3%).
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.
Value Village Stores, Inc. was a Midwestern United States chain of retail stores aimed at the discount department-store market. Henry Horney, formerly of F.W. Woolworth Company founded a small, regional chain of discount stores located in the two states of Wisconsin and Illinois that opened in 1961 and operated into 1989. Horney also had a real estate company and often built small shopping malls adjoining the discount stores. The chain had no relation to the Savers Value Village chain of thri...
FCFS vs SVV — Head-to-Head
Income Statement — Q4 2025 vs Q3 2026
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $426.9M |
| Net Profit | $104.2M | $-14.0M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | 8.5% |
| Net Margin | 20.8% | -3.3% |
| Revenue YoY | 21.2% | 8.1% |
| Net Profit YoY | 24.7% | -164.6% |
| EPS (diluted) | $2.35 | $-0.09 |
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 | — | ||
| Q3 25 | $411.0M | $426.9M | ||
| Q2 25 | $385.1M | $417.2M | ||
| Q1 25 | $371.1M | $370.1M | ||
| Q4 24 | $413.7M | $402.0M | ||
| Q3 24 | $363.1M | $394.8M | ||
| Q2 24 | $363.5M | $386.7M | ||
| Q1 24 | $366.8M | $354.2M |
| Q4 25 | $104.2M | — | ||
| Q3 25 | $82.8M | $-14.0M | ||
| Q2 25 | $59.8M | $18.9M | ||
| Q1 25 | $83.6M | $-4.7M | ||
| Q4 24 | $83.5M | $-1.9M | ||
| Q3 24 | $64.8M | $21.7M | ||
| Q2 24 | $49.1M | $9.7M | ||
| Q1 24 | $61.4M | $-467.0K |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 25.6% | ||
| Q2 24 | — | 26.6% | ||
| Q1 24 | — | 24.2% |
| Q4 25 | 28.5% | — | ||
| Q3 25 | 27.4% | 8.5% | ||
| Q2 25 | 21.1% | 8.2% | ||
| Q1 25 | 30.0% | 2.8% | ||
| Q4 24 | 26.5% | 8.2% | ||
| Q3 24 | 23.5% | 12.3% | ||
| Q2 24 | 18.2% | 8.3% | ||
| Q1 24 | 22.3% | 4.6% |
| Q4 25 | 20.8% | — | ||
| Q3 25 | 20.1% | -3.3% | ||
| Q2 25 | 15.5% | 4.5% | ||
| Q1 25 | 22.5% | -1.3% | ||
| Q4 24 | 20.2% | -0.5% | ||
| Q3 24 | 17.9% | 5.5% | ||
| Q2 24 | 13.5% | 2.5% | ||
| Q1 24 | 16.7% | -0.1% |
| Q4 25 | $2.35 | — | ||
| Q3 25 | $1.86 | $-0.09 | ||
| Q2 25 | $1.34 | $0.12 | ||
| Q1 25 | $1.87 | $-0.03 | ||
| Q4 24 | $1.86 | $-0.02 | ||
| Q3 24 | $1.44 | $0.13 | ||
| Q2 24 | $1.08 | $0.06 | ||
| Q1 24 | $1.35 | $0.00 |
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 | $63.5M |
| Total DebtLower is stronger | $2.2B | $750.0M |
| Stockholders' EquityBook value | $2.3B | $414.6M |
| Total Assets | $5.3B | $2.0B |
| Debt / EquityLower = less leverage | 0.98× | 1.81× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | — | ||
| Q3 25 | $130.2M | $63.5M | ||
| Q2 25 | $101.5M | $70.5M | ||
| Q1 25 | $146.0M | $73.0M | ||
| Q4 24 | $175.1M | $150.0M | ||
| Q3 24 | $106.3M | $137.7M | ||
| Q2 24 | $113.7M | $160.7M | ||
| Q1 24 | $135.1M | $102.2M |
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.2B | $750.0M | ||
| 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 | — | ||
| Q3 25 | $2.2B | $414.6M | ||
| Q2 25 | $2.1B | $423.5M | ||
| Q1 25 | $2.1B | $413.8M | ||
| Q4 24 | $2.1B | $421.7M | ||
| Q3 24 | $2.0B | $432.9M | ||
| Q2 24 | $2.0B | $419.5M | ||
| Q1 24 | $2.0B | $395.0M |
| Q4 25 | $5.3B | — | ||
| Q3 25 | $5.2B | $2.0B | ||
| Q2 25 | $4.5B | $1.9B | ||
| Q1 25 | $4.4B | $1.9B | ||
| Q4 24 | $4.5B | $1.9B | ||
| Q3 24 | $4.4B | $1.9B | ||
| Q2 24 | $4.3B | $1.9B | ||
| Q1 24 | $4.2B | $1.8B |
| Q4 25 | 0.98× | — | ||
| Q3 25 | 1.01× | 1.81× | ||
| 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 | $21.6M |
| Free Cash FlowOCF − Capex | — | $-6.3M |
| FCF MarginFCF / Revenue | — | -1.5% |
| Capex IntensityCapex / Revenue | — | 6.5% |
| Cash ConversionOCF / Net Profit | 1.98× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $25.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | — | ||
| Q3 25 | $135.8M | $21.6M | ||
| Q2 25 | $116.9M | $54.4M | ||
| Q1 25 | $126.6M | $419.0K | ||
| Q4 24 | $198.1M | $55.8M | ||
| Q3 24 | $113.1M | $23.9M | ||
| Q2 24 | $106.2M | $60.4M | ||
| Q1 24 | $122.5M | $-5.8M |
| Q4 25 | — | — | ||
| Q3 25 | — | $-6.3M | ||
| Q2 25 | — | $21.9M | ||
| Q1 25 | — | $-20.2M | ||
| Q4 24 | — | $30.1M | ||
| Q3 24 | — | $-3.0M | ||
| Q2 24 | — | $29.6M | ||
| Q1 24 | — | $-28.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | -1.5% | ||
| Q2 25 | — | 5.2% | ||
| Q1 25 | — | -5.4% | ||
| Q4 24 | — | 7.5% | ||
| Q3 24 | — | -0.8% | ||
| Q2 24 | — | 7.6% | ||
| Q1 24 | — | -8.0% |
| Q4 25 | — | — | ||
| Q3 25 | — | 6.5% | ||
| Q2 25 | — | 7.8% | ||
| Q1 25 | — | 5.6% | ||
| Q4 24 | — | 6.4% | ||
| Q3 24 | — | 6.8% | ||
| Q2 24 | — | 8.0% | ||
| Q1 24 | — | 6.4% |
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | — | ||
| Q2 25 | 1.95× | 2.88× | ||
| Q1 25 | 1.51× | — | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | 1.10× | ||
| Q2 24 | 2.16× | 6.22× | ||
| 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% |
SVV
| Sales Channel Directly To Consumer | $408.3M | 96% |
| Sales Channel Through Intermediary | $18.6M | 4% |
