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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and TEXAS CAPITAL BANCSHARES INC (TCBI). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $324.0M, roughly 1.5× TEXAS CAPITAL BANCSHARES INC). TEXAS CAPITAL BANCSHARES INC runs the higher net margin — 22.8% vs 20.8%, a 2.0% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 15.5%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 10.2%).
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.
Texas Capital Bank is a bank headquartered in Dallas, Texas. The bank has branches located in every major city in Texas. Its parent bank holding company is Texas Capital Bancshares. It also operates an online-only banking division, Bask Bank.
FCFS vs TCBI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $324.0M |
| Net Profit | $104.2M | $73.8M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | — |
| Net Margin | 20.8% | 22.8% |
| Revenue YoY | 21.2% | 15.5% |
| Net Profit YoY | 24.7% | 56.8% |
| EPS (diluted) | $2.35 | $1.56 |
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 | — | $324.0M | ||
| Q4 25 | $501.3M | $327.5M | ||
| Q3 25 | $411.0M | $340.4M | ||
| Q2 25 | $385.1M | $307.5M | ||
| Q1 25 | $371.1M | $280.5M | ||
| Q4 24 | $413.7M | $229.6M | ||
| Q3 24 | $363.1M | $125.3M | ||
| Q2 24 | $363.5M | $267.0M |
| Q1 26 | — | $73.8M | ||
| Q4 25 | $104.2M | $100.7M | ||
| Q3 25 | $82.8M | $105.2M | ||
| Q2 25 | $59.8M | $77.3M | ||
| Q1 25 | $83.6M | $47.0M | ||
| Q4 24 | $83.5M | $71.0M | ||
| Q3 24 | $64.8M | $-61.3M | ||
| Q2 24 | $49.1M | $41.7M |
| Q1 26 | — | — | ||
| Q4 25 | 28.5% | 40.4% | ||
| Q3 25 | 27.4% | 40.5% | ||
| Q2 25 | 21.1% | 33.2% | ||
| Q1 25 | 30.0% | 21.6% | ||
| Q4 24 | 26.5% | 40.7% | ||
| Q3 24 | 23.5% | -63.8% | ||
| Q2 24 | 18.2% | 21.9% |
| Q1 26 | — | 22.8% | ||
| Q4 25 | 20.8% | 30.7% | ||
| Q3 25 | 20.1% | 30.9% | ||
| Q2 25 | 15.5% | 25.2% | ||
| Q1 25 | 22.5% | 16.8% | ||
| Q4 24 | 20.2% | 30.9% | ||
| Q3 24 | 17.9% | -48.9% | ||
| Q2 24 | 13.5% | 15.6% |
| Q1 26 | — | $1.56 | ||
| Q4 25 | $2.35 | $2.11 | ||
| Q3 25 | $1.86 | $2.18 | ||
| Q2 25 | $1.34 | $1.58 | ||
| Q1 25 | $1.87 | $0.92 | ||
| Q4 24 | $1.86 | $1.43 | ||
| Q3 24 | $1.44 | $-1.41 | ||
| Q2 24 | $1.08 | $0.80 |
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 | — |
| Total DebtLower is stronger | $2.2B | $878.3M |
| Stockholders' EquityBook value | $2.3B | $3.6B |
| Total Assets | $5.3B | $33.5B |
| Debt / EquityLower = less leverage | 0.98× | 0.24× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| 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 | — | $878.3M | ||
| Q4 25 | $2.2B | $620.6M | ||
| Q3 25 | $2.2B | $620.4M | ||
| Q2 25 | $1.7B | $620.3M | ||
| Q1 25 | $1.7B | $660.5M | ||
| Q4 24 | $1.7B | $660.3M | ||
| Q3 24 | $1.7B | $660.2M | ||
| Q2 24 | $1.7B | $660.0M |
| Q1 26 | — | $3.6B | ||
| Q4 25 | $2.3B | $3.6B | ||
| Q3 25 | $2.2B | $3.6B | ||
| Q2 25 | $2.1B | $3.5B | ||
| Q1 25 | $2.1B | $3.4B | ||
| Q4 24 | $2.1B | $3.4B | ||
| Q3 24 | $2.0B | $3.4B | ||
| Q2 24 | $2.0B | $3.2B |
| Q1 26 | — | $33.5B | ||
| Q4 25 | $5.3B | $31.5B | ||
| Q3 25 | $5.2B | $32.5B | ||
| Q2 25 | $4.5B | $31.9B | ||
| Q1 25 | $4.4B | $31.4B | ||
| Q4 24 | $4.5B | $30.7B | ||
| Q3 24 | $4.4B | $31.6B | ||
| Q2 24 | $4.3B | $29.9B |
| Q1 26 | — | 0.24× | ||
| Q4 25 | 0.98× | 0.17× | ||
| Q3 25 | 1.01× | 0.17× | ||
| Q2 25 | 0.79× | 0.18× | ||
| Q1 25 | 0.83× | 0.19× | ||
| Q4 24 | 0.85× | 0.20× | ||
| Q3 24 | 0.87× | 0.20× | ||
| Q2 24 | 0.85× | 0.21× |
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 | $360.2M | ||
| Q3 25 | $135.8M | $166.3M | ||
| Q2 25 | $116.9M | $63.0M | ||
| Q1 25 | $126.6M | $368.0K | ||
| Q4 24 | $198.1M | $480.1M | ||
| Q3 24 | $113.1M | $332.8M | ||
| Q2 24 | $106.2M | $33.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | $347.6M | ||
| Q3 25 | — | $161.3M | ||
| Q2 25 | — | $57.5M | ||
| Q1 25 | — | $-2.0M | ||
| Q4 24 | — | $415.2M | ||
| Q3 24 | — | $317.6M | ||
| Q2 24 | — | $11.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | 106.1% | ||
| Q3 25 | — | 47.4% | ||
| Q2 25 | — | 18.7% | ||
| Q1 25 | — | -0.7% | ||
| Q4 24 | — | 180.9% | ||
| Q3 24 | — | 253.4% | ||
| Q2 24 | — | 4.1% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.8% | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | 1.8% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 28.2% | ||
| Q3 24 | — | 12.1% | ||
| Q2 24 | — | 8.3% |
| Q1 26 | — | — | ||
| Q4 25 | 1.98× | 3.58× | ||
| Q3 25 | 1.64× | 1.58× | ||
| Q2 25 | 1.95× | 0.81× | ||
| Q1 25 | 1.51× | 0.01× | ||
| Q4 24 | 2.37× | 6.76× | ||
| Q3 24 | 1.74× | — | ||
| Q2 24 | 2.16× | 0.80× |
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% |
TCBI
Segment breakdown not available.
