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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and TRINITY INDUSTRIES INC (TRN). Click either name above to swap in a different company.
TRINITY INDUSTRIES INC is the larger business by last-quarter revenue ($611.2M vs $501.3M, roughly 1.2× FirstCash Holdings, Inc.). TRINITY INDUSTRIES INC runs the higher net margin — 31.8% vs 20.8%, a 11.0% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs -2.9%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs -13.1%).
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.
Trinity Industries Inc. is an American industrial corporation that owns a variety of businesses which provide products and services to the industrial, energy, transportation and construction sectors.
FCFS vs TRN — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $611.2M |
| Net Profit | $104.2M | $194.2M |
| Gross Margin | — | 25.5% |
| Operating Margin | 28.5% | 54.9% |
| Net Margin | 20.8% | 31.8% |
| Revenue YoY | 21.2% | -2.9% |
| Net Profit YoY | 24.7% | 413.8% |
| EPS (diluted) | $2.35 | $2.25 |
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 | $611.2M | ||
| Q3 25 | $411.0M | $454.1M | ||
| Q2 25 | $385.1M | $506.2M | ||
| Q1 25 | $371.1M | $585.4M | ||
| Q4 24 | $413.7M | $629.4M | ||
| Q3 24 | $363.1M | $798.8M | ||
| Q2 24 | $363.5M | $841.4M | ||
| Q1 24 | $366.8M | $809.6M |
| Q4 25 | $104.2M | $194.2M | ||
| Q3 25 | $82.8M | $30.3M | ||
| Q2 25 | $59.8M | $14.1M | ||
| Q1 25 | $83.6M | $22.1M | ||
| Q4 24 | $83.5M | $37.8M | ||
| Q3 24 | $64.8M | $31.4M | ||
| Q2 24 | $49.1M | $54.4M | ||
| Q1 24 | $61.4M | $23.7M |
| Q4 25 | — | 25.5% | ||
| Q3 25 | — | 31.1% | ||
| Q2 25 | — | 26.4% | ||
| Q1 25 | — | 24.3% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 21.3% | ||
| Q1 24 | — | 20.3% |
| Q4 25 | 28.5% | 54.9% | ||
| Q3 25 | 27.4% | 26.1% | ||
| Q2 25 | 21.1% | 18.8% | ||
| Q1 25 | 30.0% | 17.0% | ||
| Q4 24 | 26.5% | 17.8% | ||
| Q3 24 | 23.5% | 15.3% | ||
| Q2 24 | 18.2% | 16.9% | ||
| Q1 24 | 22.3% | 14.2% |
| Q4 25 | 20.8% | 31.8% | ||
| Q3 25 | 20.1% | 6.7% | ||
| Q2 25 | 15.5% | 2.8% | ||
| Q1 25 | 22.5% | 3.8% | ||
| Q4 24 | 20.2% | 6.0% | ||
| Q3 24 | 17.9% | 3.9% | ||
| Q2 24 | 13.5% | 6.5% | ||
| Q1 24 | 16.7% | 2.9% |
| Q4 25 | $2.35 | $2.25 | ||
| Q3 25 | $1.86 | $0.37 | ||
| Q2 25 | $1.34 | $0.17 | ||
| Q1 25 | $1.87 | $0.26 | ||
| Q4 24 | $1.86 | $0.34 | ||
| Q3 24 | $1.44 | $0.37 | ||
| Q2 24 | $1.08 | $0.65 | ||
| Q1 24 | $1.35 | $0.28 |
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 | $201.3M |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $2.3B | $1.1B |
| Total Assets | $5.3B | $8.4B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $201.3M | ||
| Q3 25 | $130.2M | $66.3M | ||
| Q2 25 | $101.5M | $147.7M | ||
| Q1 25 | $146.0M | $94.9M | ||
| Q4 24 | $175.1M | $228.2M | ||
| Q3 24 | $106.3M | $222.4M | ||
| Q2 24 | $113.7M | $257.1M | ||
| Q1 24 | $135.1M | $118.8M |
| 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 | $1.1B | ||
| Q3 25 | $2.2B | $1.0B | ||
| Q2 25 | $2.1B | $1.0B | ||
| Q1 25 | $2.1B | $1.1B | ||
| Q4 24 | $2.1B | $1.1B | ||
| Q3 24 | $2.0B | $1.1B | ||
| Q2 24 | $2.0B | $1.1B | ||
| Q1 24 | $2.0B | $1.0B |
| Q4 25 | $5.3B | $8.4B | ||
| Q3 25 | $5.2B | $8.9B | ||
| Q2 25 | $4.5B | $8.8B | ||
| Q1 25 | $4.4B | $8.7B | ||
| Q4 24 | $4.5B | $8.8B | ||
| Q3 24 | $4.4B | $8.8B | ||
| Q2 24 | $4.3B | $9.0B | ||
| Q1 24 | $4.2B | $9.1B |
| 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 | $177.4M |
| Free Cash FlowOCF − Capex | — | $158.6M |
| FCF MarginFCF / Revenue | — | 25.9% |
| Capex IntensityCapex / Revenue | — | 3.1% |
| Cash ConversionOCF / Net Profit | 1.98× | 0.91× |
| TTM Free Cash FlowTrailing 4 quarters | — | $314.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $177.4M | ||
| Q3 25 | $135.8M | $44.2M | ||
| Q2 25 | $116.9M | $61.6M | ||
| Q1 25 | $126.6M | $76.5M | ||
| Q4 24 | $198.1M | $201.6M | ||
| Q3 24 | $113.1M | $78.5M | ||
| Q2 24 | $106.2M | $241.5M | ||
| Q1 24 | $122.5M | $52.2M |
| Q4 25 | — | $158.6M | ||
| Q3 25 | — | $35.3M | ||
| Q2 25 | — | $52.9M | ||
| Q1 25 | — | $67.3M | ||
| Q4 24 | — | $180.1M | ||
| Q3 24 | — | $62.1M | ||
| Q2 24 | — | $230.2M | ||
| Q1 24 | — | $47.6M |
| Q4 25 | — | 25.9% | ||
| Q3 25 | — | 7.8% | ||
| Q2 25 | — | 10.5% | ||
| Q1 25 | — | 11.5% | ||
| Q4 24 | — | 28.6% | ||
| Q3 24 | — | 7.8% | ||
| Q2 24 | — | 27.4% | ||
| Q1 24 | — | 5.9% |
| Q4 25 | — | 3.1% | ||
| Q3 25 | — | 2.0% | ||
| Q2 25 | — | 1.7% | ||
| Q1 25 | — | 1.6% | ||
| Q4 24 | — | 3.4% | ||
| Q3 24 | — | 2.1% | ||
| Q2 24 | — | 1.3% | ||
| Q1 24 | — | 0.6% |
| Q4 25 | 1.98× | 0.91× | ||
| Q3 25 | 1.64× | 1.46× | ||
| Q2 25 | 1.95× | 4.37× | ||
| Q1 25 | 1.51× | 3.46× | ||
| Q4 24 | 2.37× | 5.33× | ||
| Q3 24 | 1.74× | 2.50× | ||
| Q2 24 | 2.16× | 4.44× | ||
| Q1 24 | 2.00× | 2.20× |
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% |
TRN
| Manufacturing | $296.5M | 49% |
| Leasing And Management | $234.8M | 38% |
| Maintenance Services Domain | $69.8M | 11% |
| Digital Logistics Services | $11.2M | 2% |
