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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and WEBSTER FINANCIAL CORP (WBS). Click either name above to swap in a different company.
WEBSTER FINANCIAL CORP is the larger business by last-quarter revenue ($735.9M vs $501.3M, roughly 1.5× FirstCash Holdings, Inc.). WEBSTER FINANCIAL CORP runs the higher net margin — 33.5% vs 20.8%, a 12.7% gap on every dollar of revenue. Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 9.4%).
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.
Webster Bank is an American commercial bank based in Stamford, Connecticut. It has 177 branches and 316 ATMs located in Connecticut; Massachusetts; Rhode Island; New Jersey; Westchester, Orange, Ulster, and Rockland counties in New York as well as New York City.
FCFS vs WBS — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $735.9M |
| Net Profit | $104.2M | $246.2M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | — |
| Net Margin | 20.8% | 33.5% |
| Revenue YoY | 21.2% | — |
| Net Profit YoY | 24.7% | 8.5% |
| EPS (diluted) | $2.35 | $1.50 |
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 | — | $735.9M | ||
| Q4 25 | $501.3M | $746.2M | ||
| Q3 25 | $411.0M | $732.6M | ||
| Q2 25 | $385.1M | $715.8M | ||
| Q1 25 | $371.1M | $704.8M | ||
| Q4 24 | $413.7M | $661.0M | ||
| Q3 24 | $363.1M | $647.6M | ||
| Q2 24 | $363.5M | $614.6M |
| Q1 26 | — | $246.2M | ||
| Q4 25 | $104.2M | $255.8M | ||
| Q3 25 | $82.8M | $261.2M | ||
| Q2 25 | $59.8M | $258.8M | ||
| Q1 25 | $83.6M | $226.9M | ||
| Q4 24 | $83.5M | $177.8M | ||
| Q3 24 | $64.8M | $193.0M | ||
| Q2 24 | $49.1M | $181.6M |
| Q1 26 | — | — | ||
| Q4 25 | 28.5% | 48.6% | ||
| Q3 25 | 27.4% | 51.3% | ||
| Q2 25 | 21.1% | 51.7% | ||
| Q1 25 | 30.0% | 51.2% | ||
| Q4 24 | 26.5% | 48.5% | ||
| Q3 24 | 23.5% | 46.1% | ||
| Q2 24 | 18.2% | 47.0% |
| Q1 26 | — | 33.5% | ||
| Q4 25 | 20.8% | 34.3% | ||
| Q3 25 | 20.1% | 35.7% | ||
| Q2 25 | 15.5% | 36.2% | ||
| Q1 25 | 22.5% | 32.2% | ||
| Q4 24 | 20.2% | 26.9% | ||
| Q3 24 | 17.9% | 29.8% | ||
| Q2 24 | 13.5% | 29.6% |
| Q1 26 | — | $1.50 | ||
| Q4 25 | $2.35 | $1.54 | ||
| Q3 25 | $1.86 | $1.54 | ||
| Q2 25 | $1.34 | $1.52 | ||
| Q1 25 | $1.87 | $1.30 | ||
| Q4 24 | $1.86 | $1.01 | ||
| Q3 24 | $1.44 | $1.10 | ||
| Q2 24 | $1.08 | $1.03 |
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 | $738.3M |
| Stockholders' EquityBook value | $2.3B | $9.6B |
| Total Assets | $5.3B | $85.6B |
| Debt / EquityLower = less leverage | 0.98× | 0.08× |
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 | — | $738.3M | ||
| Q4 25 | $2.2B | $739.5M | ||
| Q3 25 | $2.2B | $1.2B | ||
| Q2 25 | $1.7B | $905.6M | ||
| Q1 25 | $1.7B | $907.4M | ||
| Q4 24 | $1.7B | $909.2M | ||
| Q3 24 | $1.7B | $911.0M | ||
| Q2 24 | $1.7B | $912.7M |
| Q1 26 | — | $9.6B | ||
| Q4 25 | $2.3B | $9.5B | ||
| Q3 25 | $2.2B | $9.5B | ||
| Q2 25 | $2.1B | $9.3B | ||
| Q1 25 | $2.1B | $9.2B | ||
| Q4 24 | $2.1B | $9.1B | ||
| Q3 24 | $2.0B | $9.2B | ||
| Q2 24 | $2.0B | $8.8B |
| Q1 26 | — | $85.6B | ||
| Q4 25 | $5.3B | $84.1B | ||
| Q3 25 | $5.2B | $83.2B | ||
| Q2 25 | $4.5B | $81.9B | ||
| Q1 25 | $4.4B | $80.3B | ||
| Q4 24 | $4.5B | $79.0B | ||
| Q3 24 | $4.4B | $79.5B | ||
| Q2 24 | $4.3B | $76.8B |
| Q1 26 | — | 0.08× | ||
| Q4 25 | 0.98× | 0.08× | ||
| Q3 25 | 1.01× | 0.13× | ||
| Q2 25 | 0.79× | 0.10× | ||
| Q1 25 | 0.83× | 0.10× | ||
| Q4 24 | 0.85× | 0.10× | ||
| Q3 24 | 0.87× | 0.10× | ||
| Q2 24 | 0.85× | 0.10× |
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 | $1.1B | ||
| Q3 25 | $135.8M | $374.7M | ||
| Q2 25 | $116.9M | $270.9M | ||
| Q1 25 | $126.6M | $94.9M | ||
| Q4 24 | $198.1M | $1.4B | ||
| Q3 24 | $113.1M | $45.3M | ||
| Q2 24 | $106.2M | $224.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | $1.0B | ||
| Q3 25 | — | $362.5M | ||
| Q2 25 | — | $257.7M | ||
| Q1 25 | — | $86.6M | ||
| Q4 24 | — | $1.4B | ||
| Q3 24 | — | $35.3M | ||
| Q2 24 | — | $215.6M |
| Q1 26 | — | — | ||
| Q4 25 | — | 135.2% | ||
| Q3 25 | — | 49.5% | ||
| Q2 25 | — | 36.0% | ||
| Q1 25 | — | 12.3% | ||
| Q4 24 | — | 207.0% | ||
| Q3 24 | — | 5.4% | ||
| Q2 24 | — | 35.1% |
| Q1 26 | — | — | ||
| Q4 25 | — | 6.6% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | 1.8% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 5.4% | ||
| Q3 24 | — | 1.5% | ||
| Q2 24 | — | 1.4% |
| Q1 26 | — | — | ||
| Q4 25 | 1.98× | 4.14× | ||
| Q3 25 | 1.64× | 1.43× | ||
| Q2 25 | 1.95× | 1.05× | ||
| Q1 25 | 1.51× | 0.42× | ||
| Q4 24 | 2.37× | 7.90× | ||
| Q3 24 | 1.74× | 0.23× | ||
| Q2 24 | 2.16× | 1.23× |
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% |
WBS
| Net Interest Income | $634.4M | 86% |
| Noninterest Income | $101.5M | 14% |
