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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and Westrock Coffee Co (WEST). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $339.5M, roughly 1.5× Westrock Coffee Co). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs -6.6%, a 27.4% gap on every dollar of revenue. On growth, Westrock Coffee Co posted the faster year-over-year revenue change (48.3% vs 21.2%). Over the past eight quarters, Westrock Coffee Co's revenue compounded faster (32.8% CAGR vs 16.9%).
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.
Westrock Coffee Co is a global integrated coffee, tea and functional beverage solutions provider. It sources, roasts, manufactures and distributes coffee products, ready-to-drink beverages and custom formulations for retail, foodservice and commercial clients across North America and other key markets.
FCFS vs WEST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $339.5M |
| Net Profit | $104.2M | $-22.6M |
| Gross Margin | — | 11.5% |
| Operating Margin | 28.5% | -2.6% |
| Net Margin | 20.8% | -6.6% |
| Revenue YoY | 21.2% | 48.3% |
| Net Profit YoY | 24.7% | 8.3% |
| EPS (diluted) | $2.35 | $-0.22 |
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 | $339.5M | ||
| Q3 25 | $411.0M | $354.8M | ||
| Q2 25 | $385.1M | $280.9M | ||
| Q1 25 | $371.1M | $213.8M | ||
| Q4 24 | $413.7M | $229.0M | ||
| Q3 24 | $363.1M | $220.9M | ||
| Q2 24 | $363.5M | $208.4M | ||
| Q1 24 | $366.8M | $192.5M |
| Q4 25 | $104.2M | $-22.6M | ||
| Q3 25 | $82.8M | $-19.1M | ||
| Q2 25 | $59.8M | $-21.6M | ||
| Q1 25 | $83.6M | $-27.2M | ||
| Q4 24 | $83.5M | $-24.6M | ||
| Q3 24 | $64.8M | $-14.3M | ||
| Q2 24 | $49.1M | $-17.8M | ||
| Q1 24 | $61.4M | $-23.7M |
| Q4 25 | — | 11.5% | ||
| Q3 25 | — | 11.7% | ||
| Q2 25 | — | 14.7% | ||
| Q1 25 | — | 13.6% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | — | 16.8% | ||
| Q2 24 | — | 19.9% | ||
| Q1 24 | — | 19.4% |
| Q4 25 | 28.5% | -2.6% | ||
| Q3 25 | 27.4% | -2.4% | ||
| Q2 25 | 21.1% | -5.3% | ||
| Q1 25 | 30.0% | -6.1% | ||
| Q4 24 | 26.5% | -4.3% | ||
| Q3 24 | 23.5% | -5.8% | ||
| Q2 24 | 18.2% | -7.9% | ||
| Q1 24 | 22.3% | -5.3% |
| Q4 25 | 20.8% | -6.6% | ||
| Q3 25 | 20.1% | -5.4% | ||
| Q2 25 | 15.5% | -7.7% | ||
| Q1 25 | 22.5% | -12.7% | ||
| Q4 24 | 20.2% | -10.7% | ||
| Q3 24 | 17.9% | -6.5% | ||
| Q2 24 | 13.5% | -8.5% | ||
| Q1 24 | 16.7% | -12.3% |
| Q4 25 | $2.35 | $-0.22 | ||
| Q3 25 | $1.86 | $-0.20 | ||
| Q2 25 | $1.34 | $-0.23 | ||
| Q1 25 | $1.87 | $-0.29 | ||
| Q4 24 | $1.86 | $-0.26 | ||
| Q3 24 | $1.44 | $-0.16 | ||
| Q2 24 | $1.08 | $-0.20 | ||
| Q1 24 | $1.35 | $-0.27 |
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 | $49.9M |
| Total DebtLower is stronger | $2.2B | $444.1M |
| Stockholders' EquityBook value | $2.3B | $-1.9M |
| Total Assets | $5.3B | $1.2B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $49.9M | ||
| Q3 25 | $130.2M | $34.0M | ||
| Q2 25 | $101.5M | $44.0M | ||
| Q1 25 | $146.0M | $33.1M | ||
| Q4 24 | $175.1M | $26.2M | ||
| Q3 24 | $106.3M | $22.4M | ||
| Q2 24 | $113.7M | $24.3M | ||
| Q1 24 | $135.1M | $12.6M |
| Q4 25 | $2.2B | $444.1M | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | $393.1M | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.5B | — |
| Q4 25 | $2.3B | $-1.9M | ||
| Q3 25 | $2.2B | $11.4M | ||
| Q2 25 | $2.1B | $18.2M | ||
| Q1 25 | $2.1B | $71.4M | ||
| Q4 24 | $2.1B | $97.5M | ||
| Q3 24 | $2.0B | $110.3M | ||
| Q2 24 | $2.0B | $81.5M | ||
| Q1 24 | $2.0B | $91.7M |
| Q4 25 | $5.3B | $1.2B | ||
| Q3 25 | $5.2B | $1.2B | ||
| Q2 25 | $4.5B | $1.2B | ||
| Q1 25 | $4.4B | $1.1B | ||
| Q4 24 | $4.5B | $1.1B | ||
| Q3 24 | $4.4B | $1.1B | ||
| Q2 24 | $4.3B | $1.1B | ||
| Q1 24 | $4.2B | $983.3M |
| Q4 25 | 0.98× | — | ||
| Q3 25 | 1.01× | — | ||
| Q2 25 | 0.79× | — | ||
| Q1 25 | 0.83× | — | ||
| Q4 24 | 0.85× | 4.03× | ||
| 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 | $36.7M |
| Free Cash FlowOCF − Capex | — | $27.8M |
| FCF MarginFCF / Revenue | — | 8.2% |
| Capex IntensityCapex / Revenue | — | 2.6% |
| Cash ConversionOCF / Net Profit | 1.98× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-107.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $36.7M | ||
| Q3 25 | $135.8M | $-26.6M | ||
| Q2 25 | $116.9M | $-7.0M | ||
| Q1 25 | $126.6M | $-22.1M | ||
| Q4 24 | $198.1M | $2.8M | ||
| Q3 24 | $113.1M | $-332.0K | ||
| Q2 24 | $106.2M | $-23.7M | ||
| Q1 24 | $122.5M | $8.0M |
| Q4 25 | — | $27.8M | ||
| Q3 25 | — | $-44.7M | ||
| Q2 25 | — | $-27.5M | ||
| Q1 25 | — | $-63.4M | ||
| Q4 24 | — | $-15.4M | ||
| Q3 24 | — | $-36.7M | ||
| Q2 24 | — | $-59.9M | ||
| Q1 24 | — | $-60.9M |
| Q4 25 | — | 8.2% | ||
| Q3 25 | — | -12.6% | ||
| Q2 25 | — | -9.8% | ||
| Q1 25 | — | -29.7% | ||
| Q4 24 | — | -6.7% | ||
| Q3 24 | — | -16.6% | ||
| Q2 24 | — | -28.7% | ||
| Q1 24 | — | -31.7% |
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | 5.1% | ||
| Q2 25 | — | 7.3% | ||
| Q1 25 | — | 19.3% | ||
| Q4 24 | — | 7.9% | ||
| Q3 24 | — | 16.5% | ||
| Q2 24 | — | 17.4% | ||
| Q1 24 | — | 35.8% |
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | — | ||
| Q2 25 | 1.95× | — | ||
| Q1 25 | 1.51× | — | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | — | ||
| 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% |
WEST
| Coffee And Tea | $202.6M | 60% |
| Flavors Extracts And Ingredients | $69.6M | 21% |
| Sustainable Sourcing And Traceability Segments | $66.9M | 20% |
