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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and VALLEY NATIONAL BANCORP (VLY). Click either name above to swap in a different company.
VALLEY NATIONAL BANCORP is the larger business by last-quarter revenue ($540.4M vs $501.3M, roughly 1.1× FirstCash Holdings, Inc.). VALLEY NATIONAL BANCORP runs the higher net margin — 30.3% vs 20.8%, a 9.6% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 13.0%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 16.0%).
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.
VALLEY NATIONAL BANCORPVLYEarnings & Financial Report
North Valley Bancorp was a bank holding company headquartered in Redding, California. The company operated 22 branches. The company was acquired by TriCo Bancshares in October 2014, in a merger valued at more than $178 million.
FCFS vs VLY — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $540.4M |
| Net Profit | $104.2M | $163.9M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | — |
| Net Margin | 20.8% | 30.3% |
| Revenue YoY | 21.2% | 13.0% |
| Net Profit YoY | 24.7% | 54.6% |
| EPS (diluted) | $2.35 | $0.29 |
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 | — | $540.4M | ||
| Q4 25 | $501.3M | $464.9M | ||
| Q3 25 | $411.0M | $446.2M | ||
| Q2 25 | $385.1M | $432.4M | ||
| Q1 25 | $371.1M | $420.1M | ||
| Q4 24 | $413.7M | $423.0M | ||
| Q3 24 | $363.1M | $410.5M | ||
| Q2 24 | $363.5M | $401.7M |
| Q1 26 | — | $163.9M | ||
| Q4 25 | $104.2M | $195.4M | ||
| Q3 25 | $82.8M | $163.4M | ||
| Q2 25 | $59.8M | $133.2M | ||
| Q1 25 | $83.6M | $106.1M | ||
| Q4 24 | $83.5M | $115.7M | ||
| Q3 24 | $64.8M | $97.9M | ||
| Q2 24 | $49.1M | $70.4M |
| Q1 26 | — | — | ||
| Q4 25 | 28.5% | 47.7% | ||
| Q3 25 | 27.4% | 47.1% | ||
| Q2 25 | 21.1% | 40.0% | ||
| Q1 25 | 30.0% | 33.1% | ||
| Q4 24 | 26.5% | 21.1% | ||
| Q3 24 | 23.5% | 30.9% | ||
| Q2 24 | 18.2% | 23.2% |
| Q1 26 | — | 30.3% | ||
| Q4 25 | 20.8% | 42.0% | ||
| Q3 25 | 20.1% | 36.6% | ||
| Q2 25 | 15.5% | 30.8% | ||
| Q1 25 | 22.5% | 25.2% | ||
| Q4 24 | 20.2% | 27.4% | ||
| Q3 24 | 17.9% | 23.8% | ||
| Q2 24 | 13.5% | 17.5% |
| Q1 26 | — | $0.29 | ||
| Q4 25 | $2.35 | $0.33 | ||
| Q3 25 | $1.86 | $0.28 | ||
| Q2 25 | $1.34 | $0.22 | ||
| Q1 25 | $1.87 | $0.18 | ||
| Q4 24 | $1.86 | $0.20 | ||
| Q3 24 | $1.44 | $0.18 | ||
| Q2 24 | $1.08 | $0.13 |
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 | $2.6B |
| Stockholders' EquityBook value | $2.3B | $7.9B |
| Total Assets | $5.3B | $64.5B |
| Debt / EquityLower = less leverage | 0.98× | 0.33× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| 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 26 | — | $2.6B | ||
| 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 26 | — | $7.9B | ||
| Q4 25 | $2.3B | $7.8B | ||
| Q3 25 | $2.2B | $7.7B | ||
| Q2 25 | $2.1B | $7.6B | ||
| Q1 25 | $2.1B | $7.5B | ||
| Q4 24 | $2.1B | $7.4B | ||
| Q3 24 | $2.0B | $7.0B | ||
| Q2 24 | $2.0B | $6.7B |
| Q1 26 | — | $64.5B | ||
| Q4 25 | $5.3B | $64.1B | ||
| Q3 25 | $5.2B | $63.0B | ||
| Q2 25 | $4.5B | $62.7B | ||
| Q1 25 | $4.4B | $61.9B | ||
| Q4 24 | $4.5B | $62.5B | ||
| Q3 24 | $4.4B | $62.1B | ||
| Q2 24 | $4.3B | $62.1B |
| Q1 26 | — | 0.33× | ||
| 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× | — |
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 | — | — |
| 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 | $196.6M | ||
| Q3 25 | $135.8M | $5.2M | ||
| Q2 25 | $116.9M | $159.2M | ||
| Q1 25 | $126.6M | $-17.1M | ||
| Q4 24 | $198.1M | $392.2M | ||
| Q3 24 | $113.1M | $-157.2M | ||
| Q2 24 | $106.2M | $214.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | $187.5M | ||
| Q3 25 | — | $2.3M | ||
| Q2 25 | — | $156.0M | ||
| Q1 25 | — | $-20.2M | ||
| Q4 24 | — | $385.8M | ||
| Q3 24 | — | $-160.5M | ||
| Q2 24 | — | $211.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 40.3% | ||
| Q3 25 | — | 0.5% | ||
| Q2 25 | — | 36.1% | ||
| Q1 25 | — | -4.8% | ||
| Q4 24 | — | 91.2% | ||
| Q3 24 | — | -39.1% | ||
| Q2 24 | — | 52.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | 2.0% | ||
| Q3 25 | — | 0.6% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | 0.7% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | — | 0.8% | ||
| Q2 24 | — | 0.7% |
| Q1 26 | — | — | ||
| Q4 25 | 1.98× | 1.01× | ||
| Q3 25 | 1.64× | 0.03× | ||
| Q2 25 | 1.95× | 1.20× | ||
| Q1 25 | 1.51× | -0.16× | ||
| Q4 24 | 2.37× | 3.39× | ||
| Q3 24 | 1.74× | -1.61× | ||
| Q2 24 | 2.16× | 3.04× |
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% |
VLY
Segment breakdown not available.
