vs
Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and TENNANT CO (TNC). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $291.6M, roughly 1.7× TENNANT CO). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs -1.5%, a 22.3% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs -11.3%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs -3.2%).
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.
The Tennant Company (TNC:NYQ) is a company with about 4000 employees that provides cleaning products. It is a company that is listed in the New York Stock Exchange.
FCFS vs TNC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $291.6M |
| Net Profit | $104.2M | $-4.4M |
| Gross Margin | — | 34.6% |
| Operating Margin | 28.5% | -1.4% |
| Net Margin | 20.8% | -1.5% |
| Revenue YoY | 21.2% | -11.3% |
| Net Profit YoY | 24.7% | -166.7% |
| EPS (diluted) | $2.35 | $-0.21 |
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 | $291.6M | ||
| Q3 25 | $411.0M | $303.3M | ||
| Q2 25 | $385.1M | $318.6M | ||
| Q1 25 | $371.1M | $290.0M | ||
| Q4 24 | $413.7M | $328.9M | ||
| Q3 24 | $363.1M | $315.8M | ||
| Q2 24 | $363.5M | $331.0M | ||
| Q1 24 | $366.8M | $311.0M |
| Q4 25 | $104.2M | $-4.4M | ||
| Q3 25 | $82.8M | $14.9M | ||
| Q2 25 | $59.8M | $20.2M | ||
| Q1 25 | $83.6M | $13.1M | ||
| Q4 24 | $83.5M | $6.6M | ||
| Q3 24 | $64.8M | $20.8M | ||
| Q2 24 | $49.1M | $27.9M | ||
| Q1 24 | $61.4M | $28.4M |
| Q4 25 | — | 34.6% | ||
| Q3 25 | — | 42.7% | ||
| Q2 25 | — | 42.1% | ||
| Q1 25 | — | 41.4% | ||
| Q4 24 | — | 41.3% | ||
| Q3 24 | — | 42.4% | ||
| Q2 24 | — | 43.1% | ||
| Q1 24 | — | 44.2% |
| Q4 25 | 28.5% | -1.4% | ||
| Q3 25 | 27.4% | 7.4% | ||
| Q2 25 | 21.1% | 9.6% | ||
| Q1 25 | 30.0% | 6.8% | ||
| Q4 24 | 26.5% | 2.3% | ||
| Q3 24 | 23.5% | 9.7% | ||
| Q2 24 | 18.2% | 11.7% | ||
| Q1 24 | 22.3% | 12.1% |
| Q4 25 | 20.8% | -1.5% | ||
| Q3 25 | 20.1% | 4.9% | ||
| Q2 25 | 15.5% | 6.3% | ||
| Q1 25 | 22.5% | 4.5% | ||
| Q4 24 | 20.2% | 2.0% | ||
| Q3 24 | 17.9% | 6.6% | ||
| Q2 24 | 13.5% | 8.4% | ||
| Q1 24 | 16.7% | 9.1% |
| Q4 25 | $2.35 | $-0.21 | ||
| Q3 25 | $1.86 | $0.80 | ||
| Q2 25 | $1.34 | $1.08 | ||
| Q1 25 | $1.87 | $0.69 | ||
| Q4 24 | $1.86 | $0.35 | ||
| Q3 24 | $1.44 | $1.09 | ||
| Q2 24 | $1.08 | $1.45 | ||
| Q1 24 | $1.35 | $1.49 |
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 | $273.2M |
| Stockholders' EquityBook value | $2.3B | $601.6M |
| Total Assets | $5.3B | $1.3B |
| Debt / EquityLower = less leverage | 0.98× | 0.45× |
8-quarter trend — quarters aligned by calendar period.
| 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 24 | $135.1M | — |
| Q4 25 | $2.2B | $273.2M | ||
| Q3 25 | $2.2B | $238.3M | ||
| Q2 25 | $1.7B | $213.4M | ||
| Q1 25 | $1.7B | $213.3M | ||
| Q4 24 | $1.7B | $198.2M | ||
| Q3 24 | $1.7B | $208.6M | ||
| Q2 24 | $1.7B | $205.6M | ||
| Q1 24 | $1.5B | $207.4M |
| Q4 25 | $2.3B | $601.6M | ||
| Q3 25 | $2.2B | $640.9M | ||
| Q2 25 | $2.1B | $651.9M | ||
| Q1 25 | $2.1B | $624.4M | ||
| Q4 24 | $2.1B | $620.8M | ||
| Q3 24 | $2.0B | $647.2M | ||
| Q2 24 | $2.0B | $624.6M | ||
| Q1 24 | $2.0B | $614.6M |
| Q4 25 | $5.3B | $1.3B | ||
| Q3 25 | $5.2B | $1.3B | ||
| Q2 25 | $4.5B | $1.2B | ||
| Q1 25 | $4.4B | $1.2B | ||
| Q4 24 | $4.5B | $1.2B | ||
| Q3 24 | $4.4B | $1.2B | ||
| Q2 24 | $4.3B | $1.2B | ||
| Q1 24 | $4.2B | $1.2B |
| Q4 25 | 0.98× | 0.45× | ||
| Q3 25 | 1.01× | 0.37× | ||
| Q2 25 | 0.79× | 0.33× | ||
| Q1 25 | 0.83× | 0.34× | ||
| Q4 24 | 0.85× | 0.32× | ||
| Q3 24 | 0.87× | 0.32× | ||
| Q2 24 | 0.85× | 0.33× | ||
| Q1 24 | 0.75× | 0.34× |
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 | $14.2M |
| Free Cash FlowOCF − Capex | — | $9.7M |
| FCF MarginFCF / Revenue | — | 3.3% |
| Capex IntensityCapex / Revenue | — | 1.5% |
| Cash ConversionOCF / Net Profit | 1.98× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $43.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $14.2M | ||
| Q3 25 | $135.8M | $28.7M | ||
| Q2 25 | $116.9M | $22.5M | ||
| Q1 25 | $126.6M | $-400.0K | ||
| Q4 24 | $198.1M | $37.5M | ||
| Q3 24 | $113.1M | $30.7M | ||
| Q2 24 | $106.2M | $18.6M | ||
| Q1 24 | $122.5M | $2.9M |
| Q4 25 | — | $9.7M | ||
| Q3 25 | — | $22.3M | ||
| Q2 25 | — | $18.7M | ||
| Q1 25 | — | $-7.4M | ||
| Q4 24 | — | $28.1M | ||
| Q3 24 | — | $26.4M | ||
| Q2 24 | — | $14.4M | ||
| Q1 24 | — | $-100.0K |
| Q4 25 | — | 3.3% | ||
| Q3 25 | — | 7.4% | ||
| Q2 25 | — | 5.9% | ||
| Q1 25 | — | -2.6% | ||
| Q4 24 | — | 8.5% | ||
| Q3 24 | — | 8.4% | ||
| Q2 24 | — | 4.4% | ||
| Q1 24 | — | -0.0% |
| Q4 25 | — | 1.5% | ||
| Q3 25 | — | 2.1% | ||
| Q2 25 | — | 1.2% | ||
| Q1 25 | — | 2.4% | ||
| Q4 24 | — | 2.9% | ||
| Q3 24 | — | 1.4% | ||
| Q2 24 | — | 1.3% | ||
| Q1 24 | — | 1.0% |
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | 1.93× | ||
| Q2 25 | 1.95× | 1.11× | ||
| Q1 25 | 1.51× | -0.03× | ||
| Q4 24 | 2.37× | 5.68× | ||
| Q3 24 | 1.74× | 1.48× | ||
| Q2 24 | 2.16× | 0.67× | ||
| Q1 24 | 2.00× | 0.10× |
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% |
TNC
| Equipment Sales | $165.5M | 57% |
| Parts And Consumables | $69.1M | 24% |
| Service And Other | $57.0M | 20% |
