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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and UDR, Inc. (UDR). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $425.8M, roughly 1.2× UDR, Inc.). UDR, Inc. runs the higher net margin — 44.6% vs 20.8%, a 23.8% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 0.9%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 1.3%).
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.
UDR, Inc. is a leading U.S.-headquartered real estate investment trust specializing in owning, operating, and redeveloping high-quality multifamily residential apartment communities. It operates across major U.S. metropolitan markets, catering to a diverse tenant base including young professionals, families, and middle-to-high income households.
FCFS vs UDR — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $425.8M |
| Net Profit | $104.2M | $189.8M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | 54.0% |
| Net Margin | 20.8% | 44.6% |
| Revenue YoY | 21.2% | 0.9% |
| Net Profit YoY | 24.7% | 147.2% |
| EPS (diluted) | $2.35 | $0.63 |
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 | — | $425.8M | ||
| Q4 25 | $501.3M | $433.1M | ||
| Q3 25 | $411.0M | $431.9M | ||
| Q2 25 | $385.1M | $425.4M | ||
| Q1 25 | $371.1M | $421.9M | ||
| Q4 24 | $413.7M | $422.7M | ||
| Q3 24 | $363.1M | $420.2M | ||
| Q2 24 | $363.5M | $415.3M |
| Q1 26 | — | $189.8M | ||
| Q4 25 | $104.2M | $222.9M | ||
| Q3 25 | $82.8M | $40.4M | ||
| Q2 25 | $59.8M | $37.7M | ||
| Q1 25 | $83.6M | $76.7M | ||
| Q4 24 | $83.5M | $-5.0M | ||
| Q3 24 | $64.8M | $22.6M | ||
| Q2 24 | $49.1M | $28.9M |
| Q1 26 | — | 54.0% | ||
| Q4 25 | 28.5% | 64.1% | ||
| Q3 25 | 27.4% | 17.7% | ||
| Q2 25 | 21.1% | 18.2% | ||
| Q1 25 | 30.0% | 29.0% | ||
| Q4 24 | 26.5% | 15.7% | ||
| Q3 24 | 23.5% | 16.6% | ||
| Q2 24 | 18.2% | 16.5% |
| Q1 26 | — | 44.6% | ||
| Q4 25 | 20.8% | 51.5% | ||
| Q3 25 | 20.1% | 9.4% | ||
| Q2 25 | 15.5% | 8.9% | ||
| Q1 25 | 22.5% | 18.2% | ||
| Q4 24 | 20.2% | -220.5% | ||
| Q3 24 | 17.9% | 5.4% | ||
| Q2 24 | 13.5% | 7.0% |
| Q1 26 | — | $0.63 | ||
| Q4 25 | $2.35 | $0.67 | ||
| Q3 25 | $1.86 | $0.12 | ||
| Q2 25 | $1.34 | $0.11 | ||
| Q1 25 | $1.87 | $0.23 | ||
| Q4 24 | $1.86 | $-0.01 | ||
| Q3 24 | $1.44 | $0.06 | ||
| Q2 24 | $1.08 | $0.08 |
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 | $1.3M |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $2.3B | $3.3B |
| Total Assets | $5.3B | $10.3B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $1.3M | ||
| Q4 25 | $125.2M | $1.2M | ||
| Q3 25 | $130.2M | $1.2M | ||
| Q2 25 | $101.5M | $1.5M | ||
| Q1 25 | $146.0M | $1.3M | ||
| Q4 24 | $175.1M | $1.3M | ||
| Q3 24 | $106.3M | $2.3M | ||
| Q2 24 | $113.7M | $2.8M |
| Q1 26 | — | — | ||
| Q4 25 | $2.2B | $5.8B | ||
| Q3 25 | $2.2B | $5.8B | ||
| Q2 25 | $1.7B | $5.8B | ||
| Q1 25 | $1.7B | $5.8B | ||
| Q4 24 | $1.7B | $5.8B | ||
| Q3 24 | $1.7B | $5.9B | ||
| Q2 24 | $1.7B | $5.8B |
| Q1 26 | — | $3.3B | ||
| Q4 25 | $2.3B | $3.3B | ||
| Q3 25 | $2.2B | $3.3B | ||
| Q2 25 | $2.1B | $3.3B | ||
| Q1 25 | $2.1B | $3.3B | ||
| Q4 24 | $2.1B | $3.4B | ||
| Q3 24 | $2.0B | $3.5B | ||
| Q2 24 | $2.0B | $3.7B |
| Q1 26 | — | $10.3B | ||
| Q4 25 | $5.3B | $10.6B | ||
| Q3 25 | $5.2B | $10.6B | ||
| Q2 25 | $4.5B | $10.6B | ||
| Q1 25 | $4.4B | $10.7B | ||
| Q4 24 | $4.5B | $10.9B | ||
| Q3 24 | $4.4B | $11.1B | ||
| Q2 24 | $4.3B | $11.1B |
| Q1 26 | — | — | ||
| Q4 25 | 0.98× | 1.77× | ||
| Q3 25 | 1.01× | 1.78× | ||
| Q2 25 | 0.79× | 1.74× | ||
| Q1 25 | 0.83× | 1.74× | ||
| Q4 24 | 0.85× | 1.69× | ||
| Q3 24 | 0.87× | 1.67× | ||
| Q2 24 | 0.85× | 1.55× |
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 | — | 4.9% |
| 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 | $902.9M | ||
| Q3 25 | $135.8M | $234.9M | ||
| Q2 25 | $116.9M | $250.3M | ||
| Q1 25 | $126.6M | $156.2M | ||
| Q4 24 | $198.1M | $876.8M | ||
| Q3 24 | $113.1M | $230.3M | ||
| Q2 24 | $106.2M | $238.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $650.0M | ||
| Q3 25 | — | $164.6M | ||
| Q2 25 | — | $190.1M | ||
| Q1 25 | — | $103.2M | ||
| Q4 24 | — | $627.0M | ||
| Q3 24 | — | $161.3M | ||
| Q2 24 | — | $171.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | 150.1% | ||
| Q3 25 | — | 38.1% | ||
| Q2 25 | — | 44.7% | ||
| Q1 25 | — | 24.5% | ||
| Q4 24 | — | 148.3% | ||
| Q3 24 | — | 38.4% | ||
| Q2 24 | — | 41.2% |
| Q1 26 | — | 4.9% | ||
| Q4 25 | — | 58.4% | ||
| Q3 25 | — | 16.3% | ||
| Q2 25 | — | 14.2% | ||
| Q1 25 | — | 12.6% | ||
| Q4 24 | — | 59.1% | ||
| Q3 24 | — | 16.4% | ||
| Q2 24 | — | 16.2% |
| Q1 26 | — | — | ||
| Q4 25 | 1.98× | 4.05× | ||
| Q3 25 | 1.64× | 5.81× | ||
| Q2 25 | 1.95× | 6.64× | ||
| Q1 25 | 1.51× | 2.04× | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | 10.19× | ||
| Q2 24 | 2.16× | 8.26× |
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% |
UDR
| Rental income | $423.3M | 99% |
| Joint venture management and other fees | $2.5M | 1% |
