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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and UNITED BANKSHARES INC (UBSI). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $318.4M, roughly 1.6× UNITED BANKSHARES INC). UNITED BANKSHARES INC runs the higher net margin — 40.5% vs 20.8%, a 19.7% gap on every dollar of revenue. On growth, UNITED BANKSHARES INC posted the faster year-over-year revenue change (21.6% vs 21.2%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 11.8%).
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.
United Bankshares Inc. (WV) is a regional financial holding company operating mainly across the Mid-Atlantic and Southeastern United States. It provides full-spectrum banking solutions including consumer and commercial lending, deposit products, wealth management, and mortgage services for individual, small business and corporate clients.
FCFS vs UBSI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $318.4M |
| Net Profit | $104.2M | $128.8M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | 50.2% |
| Net Margin | 20.8% | 40.5% |
| Revenue YoY | 21.2% | 21.6% |
| Net Profit YoY | 24.7% | 36.5% |
| EPS (diluted) | $2.35 | $0.91 |
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 | $318.4M | ||
| Q3 25 | $411.0M | $323.3M | ||
| Q2 25 | $385.1M | $306.0M | ||
| Q1 25 | $371.1M | $289.6M | ||
| Q4 24 | $413.7M | $261.9M | ||
| Q3 24 | $363.1M | $262.2M | ||
| Q2 24 | $363.5M | $255.9M | ||
| Q1 24 | $366.8M | $254.7M |
| Q4 25 | $104.2M | $128.8M | ||
| Q3 25 | $82.8M | $130.7M | ||
| Q2 25 | $59.8M | $120.7M | ||
| Q1 25 | $83.6M | $84.3M | ||
| Q4 24 | $83.5M | $94.4M | ||
| Q3 24 | $64.8M | $95.3M | ||
| Q2 24 | $49.1M | $96.5M | ||
| Q1 24 | $61.4M | $86.8M |
| Q4 25 | 28.5% | 50.2% | ||
| Q3 25 | 27.4% | 50.9% | ||
| Q2 25 | 21.1% | 49.7% | ||
| Q1 25 | 30.0% | 36.9% | ||
| Q4 24 | 26.5% | 46.2% | ||
| Q3 24 | 23.5% | 45.7% | ||
| Q2 24 | 18.2% | 45.1% | ||
| Q1 24 | 22.3% | 42.5% |
| Q4 25 | 20.8% | 40.5% | ||
| Q3 25 | 20.1% | 40.4% | ||
| Q2 25 | 15.5% | 39.5% | ||
| Q1 25 | 22.5% | 29.1% | ||
| Q4 24 | 20.2% | 36.0% | ||
| Q3 24 | 17.9% | 36.3% | ||
| Q2 24 | 13.5% | 37.7% | ||
| Q1 24 | 16.7% | 34.1% |
| Q4 25 | $2.35 | $0.91 | ||
| Q3 25 | $1.86 | $0.92 | ||
| Q2 25 | $1.34 | $0.85 | ||
| Q1 25 | $1.87 | $0.59 | ||
| Q4 24 | $1.86 | $0.70 | ||
| Q3 24 | $1.44 | $0.70 | ||
| Q2 24 | $1.08 | $0.71 | ||
| Q1 24 | $1.35 | $0.64 |
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 | $531.8M |
| Stockholders' EquityBook value | $2.3B | $5.5B |
| Total Assets | $5.3B | $33.7B |
| Debt / EquityLower = less leverage | 0.98× | 0.10× |
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 | $531.8M | ||
| Q3 25 | $2.2B | $250.0M | ||
| Q2 25 | $1.7B | $250.0M | ||
| Q1 25 | $1.7B | $250.0M | ||
| Q4 24 | $1.7B | $540.4M | ||
| Q3 24 | $1.7B | $260.3M | ||
| Q2 24 | $1.7B | $1.2B | ||
| Q1 24 | $1.5B | $1.5B |
| Q4 25 | $2.3B | $5.5B | ||
| Q3 25 | $2.2B | $5.4B | ||
| Q2 25 | $2.1B | $5.4B | ||
| Q1 25 | $2.1B | $5.3B | ||
| Q4 24 | $2.1B | $5.0B | ||
| Q3 24 | $2.0B | $5.0B | ||
| Q2 24 | $2.0B | $4.9B | ||
| Q1 24 | $2.0B | $4.8B |
| Q4 25 | $5.3B | $33.7B | ||
| Q3 25 | $5.2B | $33.4B | ||
| Q2 25 | $4.5B | $32.8B | ||
| Q1 25 | $4.4B | $32.8B | ||
| Q4 24 | $4.5B | $30.0B | ||
| Q3 24 | $4.4B | $29.9B | ||
| Q2 24 | $4.3B | $30.0B | ||
| Q1 24 | $4.2B | $30.0B |
| Q4 25 | 0.98× | 0.10× | ||
| Q3 25 | 1.01× | 0.05× | ||
| Q2 25 | 0.79× | 0.05× | ||
| Q1 25 | 0.83× | 0.05× | ||
| Q4 24 | 0.85× | 0.11× | ||
| Q3 24 | 0.87× | 0.05× | ||
| Q2 24 | 0.85× | 0.25× | ||
| Q1 24 | 0.75× | 0.30× |
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 | $498.9M |
| Free Cash FlowOCF − Capex | — | $481.2M |
| FCF MarginFCF / Revenue | — | 151.1% |
| Capex IntensityCapex / Revenue | — | 5.6% |
| Cash ConversionOCF / Net Profit | 1.98× | 3.87× |
| TTM Free Cash FlowTrailing 4 quarters | — | $828.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $498.9M | ||
| Q3 25 | $135.8M | $150.6M | ||
| Q2 25 | $116.9M | $89.4M | ||
| Q1 25 | $126.6M | $120.0M | ||
| Q4 24 | $198.1M | $445.5M | ||
| Q3 24 | $113.1M | $123.6M | ||
| Q2 24 | $106.2M | $61.2M | ||
| Q1 24 | $122.5M | $124.4M |
| Q4 25 | — | $481.2M | ||
| Q3 25 | — | $146.4M | ||
| Q2 25 | — | $85.2M | ||
| Q1 25 | — | $116.1M | ||
| Q4 24 | — | $433.3M | ||
| Q3 24 | — | $122.0M | ||
| Q2 24 | — | $58.2M | ||
| Q1 24 | — | $119.6M |
| Q4 25 | — | 151.1% | ||
| Q3 25 | — | 45.3% | ||
| Q2 25 | — | 27.8% | ||
| Q1 25 | — | 40.1% | ||
| Q4 24 | — | 165.4% | ||
| Q3 24 | — | 46.5% | ||
| Q2 24 | — | 22.7% | ||
| Q1 24 | — | 47.0% |
| Q4 25 | — | 5.6% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 1.4% | ||
| Q1 25 | — | 1.3% | ||
| Q4 24 | — | 4.6% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 1.9% |
| Q4 25 | 1.98× | 3.87× | ||
| Q3 25 | 1.64× | 1.15× | ||
| Q2 25 | 1.95× | 0.74× | ||
| Q1 25 | 1.51× | 1.42× | ||
| Q4 24 | 2.37× | 4.72× | ||
| Q3 24 | 1.74× | 1.30× | ||
| Q2 24 | 2.16× | 0.63× | ||
| Q1 24 | 2.00× | 1.43× |
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% |
UBSI
Segment breakdown not available.
