vs
Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and NCR Voyix Corp (VYX). Click either name above to swap in a different company.
NCR Voyix Corp is the larger business by last-quarter revenue ($720.0M vs $501.3M, roughly 1.4× FirstCash Holdings, Inc.). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 13.6%, a 7.2% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 6.2%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 0.7%).
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.
NCR Voyix Corporation, previously known as NCR Corporation and National Cash Register, is a global software, consulting and technology company providing several professional services and electronic products. It manufactured self-service kiosks, point-of-sale terminals, automated teller machines, check processing systems, and barcode scanners.
FCFS vs VYX — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $720.0M |
| Net Profit | $104.2M | $98.0M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | 2.4% |
| Net Margin | 20.8% | 13.6% |
| Revenue YoY | 21.2% | 6.2% |
| Net Profit YoY | 24.7% | 990.9% |
| EPS (diluted) | $2.35 | $0.64 |
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 | $720.0M | ||
| Q3 25 | $411.0M | $684.0M | ||
| Q2 25 | $385.1M | $666.0M | ||
| Q1 25 | $371.1M | $617.0M | ||
| Q4 24 | $413.7M | $678.0M | ||
| Q3 24 | $363.1M | $708.0M | ||
| Q2 24 | $363.5M | $722.0M | ||
| Q1 24 | $366.8M | $710.0M |
| Q4 25 | $104.2M | $98.0M | ||
| Q3 25 | $82.8M | $-19.0M | ||
| Q2 25 | $59.8M | $0 | ||
| Q1 25 | $83.6M | $-17.0M | ||
| Q4 24 | $83.5M | $-11.0M | ||
| Q3 24 | $64.8M | $1.1B | ||
| Q2 24 | $49.1M | $-73.0M | ||
| Q1 24 | $61.4M | $-40.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 23.4% | ||
| Q2 24 | — | 17.5% | ||
| Q1 24 | — | 19.4% |
| Q4 25 | 28.5% | 2.4% | ||
| Q3 25 | 27.4% | 2.2% | ||
| Q2 25 | 21.1% | 2.1% | ||
| Q1 25 | 30.0% | -3.2% | ||
| Q4 24 | 26.5% | -0.1% | ||
| Q3 24 | 23.5% | 2.3% | ||
| Q2 24 | 18.2% | -4.7% | ||
| Q1 24 | 22.3% | -2.7% |
| Q4 25 | 20.8% | 13.6% | ||
| Q3 25 | 20.1% | -2.8% | ||
| Q2 25 | 15.5% | — | ||
| Q1 25 | 22.5% | -2.8% | ||
| Q4 24 | 20.2% | -1.6% | ||
| Q3 24 | 17.9% | 152.8% | ||
| Q2 24 | 13.5% | -10.1% | ||
| Q1 24 | 16.7% | -5.6% |
| Q4 25 | $2.35 | $0.64 | ||
| Q3 25 | $1.86 | $-0.16 | ||
| Q2 25 | $1.34 | $-0.03 | ||
| Q1 25 | $1.87 | $-0.15 | ||
| Q4 24 | $1.86 | $-0.05 | ||
| Q3 24 | $1.44 | $7.41 | ||
| Q2 24 | $1.08 | $-0.53 | ||
| Q1 24 | $1.35 | $-0.31 |
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 | $231.0M |
| Total DebtLower is stronger | $2.2B | $1.1B |
| Stockholders' EquityBook value | $2.3B | $948.0M |
| Total Assets | $5.3B | $3.9B |
| Debt / EquityLower = less leverage | 0.98× | 1.17× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $231.0M | ||
| Q3 25 | $130.2M | $282.0M | ||
| Q2 25 | $101.5M | $276.0M | ||
| Q1 25 | $146.0M | $573.0M | ||
| Q4 24 | $175.1M | $722.0M | ||
| Q3 24 | $106.3M | $792.0M | ||
| Q2 24 | $113.7M | $203.0M | ||
| Q1 24 | $135.1M | $241.0M |
| Q4 25 | $2.2B | $1.1B | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | $1.1B | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.5B | — |
| Q4 25 | $2.3B | $948.0M | ||
| Q3 25 | $2.2B | $848.0M | ||
| Q2 25 | $2.1B | $867.0M | ||
| Q1 25 | $2.1B | $857.0M | ||
| Q4 24 | $2.1B | $933.0M | ||
| Q3 24 | $2.0B | $1.0B | ||
| Q2 24 | $2.0B | $-85.0M | ||
| Q1 24 | $2.0B | $-34.0M |
| Q4 25 | $5.3B | $3.9B | ||
| Q3 25 | $5.2B | $4.0B | ||
| Q2 25 | $4.5B | $4.0B | ||
| Q1 25 | $4.4B | $4.3B | ||
| Q4 24 | $4.5B | $4.5B | ||
| Q3 24 | $4.4B | $4.7B | ||
| Q2 24 | $4.3B | $4.8B | ||
| Q1 24 | $4.2B | $5.0B |
| Q4 25 | 0.98× | 1.17× | ||
| Q3 25 | 1.01× | — | ||
| Q2 25 | 0.79× | — | ||
| Q1 25 | 0.83× | — | ||
| Q4 24 | 0.85× | 1.18× | ||
| 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 | $60.0M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 1.98× | 0.61× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $60.0M | ||
| Q3 25 | $135.8M | $14.0M | ||
| Q2 25 | $116.9M | $-242.0M | ||
| Q1 25 | $126.6M | $-42.0M | ||
| Q4 24 | $198.1M | $-170.0M | ||
| Q3 24 | $113.1M | $11.0M | ||
| Q2 24 | $106.2M | $62.0M | ||
| Q1 24 | $122.5M | $-35.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | $10.0M | ||
| Q2 25 | — | $-249.0M | ||
| Q1 25 | — | $-50.0M | ||
| Q4 24 | — | $-177.0M | ||
| Q3 24 | — | $9.0M | ||
| Q2 24 | — | $49.0M | ||
| Q1 24 | — | $-43.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | -37.4% | ||
| Q1 25 | — | -8.1% | ||
| Q4 24 | — | -26.1% | ||
| Q3 24 | — | 1.3% | ||
| Q2 24 | — | 6.8% | ||
| Q1 24 | — | -6.1% |
| Q4 25 | — | — | ||
| Q3 25 | — | 0.6% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 1.3% | ||
| Q4 24 | — | 1.0% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 1.8% | ||
| Q1 24 | — | 1.1% |
| Q4 25 | 1.98× | 0.61× | ||
| Q3 25 | 1.64× | — | ||
| Q2 25 | 1.95× | — | ||
| Q1 25 | 1.51× | — | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | 0.01× | ||
| Q2 24 | 2.16× | — | ||
| 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% |
VYX
| Services | $484.0M | 67% |
| Products | $236.0M | 33% |
