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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and Utz Brands, Inc. (UTZ). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $341.0M, roughly 1.5× Utz Brands, Inc.). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 0.7%, a 20.1% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs -3.1%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs -1.5%).
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.
Utz Brands, Inc., more commonly known as Utz, is an American snack food company based in Hanover, Pennsylvania. The company produces a variety of potato chips, pretzels, and other snacks, with most products sold under their family of brands. Utz is also a snack supplier to warehouse clubs and merchandisers.
FCFS vs UTZ — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2024
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $341.0M |
| Net Profit | $104.2M | $2.3M |
| Gross Margin | — | 25.5% |
| Operating Margin | 28.5% | 2.1% |
| Net Margin | 20.8% | 0.7% |
| Revenue YoY | 21.2% | -3.1% |
| Net Profit YoY | 24.7% | 108.3% |
| EPS (diluted) | $2.35 | $0.04 |
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 | — | ||
| Q3 25 | $411.0M | — | ||
| Q2 25 | $385.1M | — | ||
| Q1 25 | $371.1M | — | ||
| Q4 24 | $413.7M | $341.0M | ||
| Q3 24 | $363.1M | $365.5M | ||
| Q2 24 | $363.5M | $356.2M | ||
| Q1 24 | $366.8M | $346.5M |
| Q4 25 | $104.2M | — | ||
| Q3 25 | $82.8M | — | ||
| Q2 25 | $59.8M | — | ||
| Q1 25 | $83.6M | — | ||
| Q4 24 | $83.5M | $2.3M | ||
| Q3 24 | $64.8M | $-2.2M | ||
| Q2 24 | $49.1M | $19.8M | ||
| Q1 24 | $61.4M | $-4.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 25.5% | ||
| Q3 24 | — | 26.9% | ||
| Q2 24 | — | 26.7% | ||
| Q1 24 | — | 25.5% |
| Q4 25 | 28.5% | — | ||
| Q3 25 | 27.4% | — | ||
| Q2 25 | 21.1% | — | ||
| Q1 25 | 30.0% | — | ||
| Q4 24 | 26.5% | 2.1% | ||
| Q3 24 | 23.5% | 5.3% | ||
| Q2 24 | 18.2% | 6.3% | ||
| Q1 24 | 22.3% | 2.8% |
| Q4 25 | 20.8% | — | ||
| Q3 25 | 20.1% | — | ||
| Q2 25 | 15.5% | — | ||
| Q1 25 | 22.5% | — | ||
| Q4 24 | 20.2% | 0.7% | ||
| Q3 24 | 17.9% | -0.6% | ||
| Q2 24 | 13.5% | 5.6% | ||
| Q1 24 | 16.7% | -1.2% |
| Q4 25 | $2.35 | — | ||
| Q3 25 | $1.86 | — | ||
| Q2 25 | $1.34 | — | ||
| Q1 25 | $1.87 | — | ||
| Q4 24 | $1.86 | $0.04 | ||
| Q3 24 | $1.44 | $-0.03 | ||
| Q2 24 | $1.08 | $0.23 | ||
| Q1 24 | $1.35 | $-0.05 |
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 | $56.1M |
| Total DebtLower is stronger | $2.2B | $768.6M |
| Stockholders' EquityBook value | $2.3B | $696.9M |
| Total Assets | $5.3B | $2.7B |
| Debt / EquityLower = less leverage | 0.98× | 1.10× |
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 | $56.1M | ||
| Q3 24 | $106.3M | $64.9M | ||
| Q2 24 | $113.7M | $66.6M | ||
| Q1 24 | $135.1M | $47.0M |
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | $768.6M | ||
| Q3 24 | $1.7B | $780.8M | ||
| Q2 24 | $1.7B | $797.6M | ||
| Q1 24 | $1.5B | $756.9M |
| Q4 25 | $2.3B | — | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $2.1B | — | ||
| Q1 25 | $2.1B | — | ||
| Q4 24 | $2.1B | $696.9M | ||
| Q3 24 | $2.0B | $685.7M | ||
| Q2 24 | $2.0B | $686.0M | ||
| Q1 24 | $2.0B | $671.1M |
| Q4 25 | $5.3B | — | ||
| Q3 25 | $5.2B | — | ||
| Q2 25 | $4.5B | — | ||
| Q1 25 | $4.4B | — | ||
| Q4 24 | $4.5B | $2.7B | ||
| Q3 24 | $4.4B | $2.6B | ||
| Q2 24 | $4.3B | $2.7B | ||
| Q1 24 | $4.2B | $2.6B |
| Q4 25 | 0.98× | — | ||
| Q3 25 | 1.01× | — | ||
| Q2 25 | 0.79× | — | ||
| Q1 25 | 0.83× | — | ||
| Q4 24 | 0.85× | 1.10× | ||
| Q3 24 | 0.87× | 1.14× | ||
| Q2 24 | 0.85× | 1.16× | ||
| Q1 24 | 0.75× | 1.13× |
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 | $54.2M |
| Free Cash FlowOCF − Capex | — | $16.5M |
| FCF MarginFCF / Revenue | — | 4.8% |
| Capex IntensityCapex / Revenue | — | 11.1% |
| Cash ConversionOCF / Net Profit | 1.98× | 23.67× |
| TTM Free Cash FlowTrailing 4 quarters | — | $7.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | — | ||
| Q3 25 | $135.8M | — | ||
| Q2 25 | $116.9M | — | ||
| Q1 25 | $126.6M | — | ||
| Q4 24 | $198.1M | $54.2M | ||
| Q3 24 | $113.1M | $52.2M | ||
| Q2 24 | $106.2M | $8.9M | ||
| Q1 24 | $122.5M | $-9.1M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $16.5M | ||
| Q3 24 | — | $29.1M | ||
| Q2 24 | — | $-15.3M | ||
| Q1 24 | — | $-22.7M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 4.8% | ||
| Q3 24 | — | 8.0% | ||
| Q2 24 | — | -4.3% | ||
| Q1 24 | — | -6.5% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 11.1% | ||
| Q3 24 | — | 6.3% | ||
| Q2 24 | — | 6.8% | ||
| Q1 24 | — | 3.9% |
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | — | ||
| Q2 25 | 1.95× | — | ||
| Q1 25 | 1.51× | — | ||
| Q4 24 | 2.37× | 23.67× | ||
| Q3 24 | 1.74× | — | ||
| Q2 24 | 2.16× | 0.45× | ||
| Q1 24 | 2.00× | — |
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% |
UTZ
Segment breakdown not available.
