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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and WESBANCO INC (WSBC). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $257.2M, roughly 1.9× WESBANCO INC). WESBANCO INC runs the higher net margin — 34.5% vs 20.8%, a 13.7% gap on every dollar of revenue. Over the past eight quarters, WESBANCO INC's revenue compounded faster (31.9% 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.
WesBanco, Inc., is a bank holding company headquartered in Wheeling, West Virginia, United States. It has over 200 branches in West Virginia, Ohio, Western Pennsylvania, Kentucky, Maryland, and Southern Indiana.
FCFS vs WSBC — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $257.2M |
| Net Profit | $104.2M | $88.6M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | — |
| Net Margin | 20.8% | 34.5% |
| Revenue YoY | 21.2% | — |
| Net Profit YoY | 24.7% | 54.4% |
| EPS (diluted) | $2.35 | $0.88 |
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 | — | $257.2M | ||
| Q4 25 | $501.3M | $265.6M | ||
| Q3 25 | $411.0M | $261.6M | ||
| Q2 25 | $385.1M | $260.7M | ||
| Q1 25 | $371.1M | $193.2M | ||
| Q4 24 | $413.7M | $162.9M | ||
| Q3 24 | $363.1M | $150.8M | ||
| Q2 24 | $363.5M | $147.9M |
| Q1 26 | — | $88.6M | ||
| Q4 25 | $104.2M | $91.1M | ||
| Q3 25 | $82.8M | $83.6M | ||
| Q2 25 | $59.8M | $57.4M | ||
| Q1 25 | $83.6M | $-9.0M | ||
| Q4 24 | $83.5M | $49.6M | ||
| Q3 24 | $64.8M | $37.3M | ||
| Q2 24 | $49.1M | $28.9M |
| Q1 26 | — | — | ||
| Q4 25 | 28.5% | 43.2% | ||
| Q3 25 | 27.4% | 39.5% | ||
| Q2 25 | 21.1% | 27.2% | ||
| Q1 25 | 30.0% | -5.0% | ||
| Q4 24 | 26.5% | 38.0% | ||
| Q3 24 | 23.5% | 29.7% | ||
| Q2 24 | 18.2% | 23.7% |
| Q1 26 | — | 34.5% | ||
| Q4 25 | 20.8% | 34.3% | ||
| Q3 25 | 20.1% | 31.9% | ||
| Q2 25 | 15.5% | 22.0% | ||
| Q1 25 | 22.5% | -4.7% | ||
| Q4 24 | 20.2% | 30.5% | ||
| Q3 24 | 17.9% | 24.7% | ||
| Q2 24 | 13.5% | 19.5% |
| Q1 26 | — | $0.88 | ||
| Q4 25 | $2.35 | $0.97 | ||
| Q3 25 | $1.86 | $0.84 | ||
| Q2 25 | $1.34 | $0.57 | ||
| Q1 25 | $1.87 | $-0.15 | ||
| Q4 24 | $1.86 | $0.72 | ||
| Q3 24 | $1.44 | $0.54 | ||
| Q2 24 | $1.08 | $0.44 |
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 | — |
| Stockholders' EquityBook value | $2.3B | $4.1B |
| Total Assets | $5.3B | $27.5B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $125.2M | $956.1M | ||
| Q3 25 | $130.2M | $1.0B | ||
| Q2 25 | $101.5M | $1.2B | ||
| Q1 25 | $146.0M | $1.1B | ||
| Q4 24 | $175.1M | $568.1M | ||
| Q3 24 | $106.3M | $620.9M | ||
| Q2 24 | $113.7M | $486.8M |
| Q1 26 | — | — | ||
| 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 | — | $4.1B | ||
| Q4 25 | $2.3B | $4.0B | ||
| Q3 25 | $2.2B | $4.1B | ||
| Q2 25 | $2.1B | $3.8B | ||
| Q1 25 | $2.1B | $3.8B | ||
| Q4 24 | $2.1B | $2.8B | ||
| Q3 24 | $2.0B | $2.8B | ||
| Q2 24 | $2.0B | $2.5B |
| Q1 26 | — | $27.5B | ||
| Q4 25 | $5.3B | $27.7B | ||
| Q3 25 | $5.2B | $27.5B | ||
| Q2 25 | $4.5B | $27.6B | ||
| Q1 25 | $4.4B | $27.4B | ||
| Q4 24 | $4.5B | $18.7B | ||
| Q3 24 | $4.4B | $18.5B | ||
| Q2 24 | $4.3B | $18.1B |
| Q1 26 | — | — | ||
| 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 | $290.4M | ||
| Q3 25 | $135.8M | $116.9M | ||
| Q2 25 | $116.9M | $105.0M | ||
| Q1 25 | $126.6M | $-26.4M | ||
| Q4 24 | $198.1M | $211.0M | ||
| Q3 24 | $113.1M | $60.7M | ||
| Q2 24 | $106.2M | $18.2M |
| Q1 26 | — | — | ||
| Q4 25 | — | $280.0M | ||
| Q3 25 | — | $114.9M | ||
| Q2 25 | — | $98.3M | ||
| Q1 25 | — | $-30.7M | ||
| Q4 24 | — | $200.7M | ||
| Q3 24 | — | $56.9M | ||
| Q2 24 | — | $17.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 105.4% | ||
| Q3 25 | — | 43.9% | ||
| Q2 25 | — | 37.7% | ||
| Q1 25 | — | -15.9% | ||
| Q4 24 | — | 123.2% | ||
| Q3 24 | — | 37.7% | ||
| Q2 24 | — | 11.7% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.9% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 2.6% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 6.3% | ||
| Q3 24 | — | 2.5% | ||
| Q2 24 | — | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | 1.98× | 3.19× | ||
| Q3 25 | 1.64× | 1.40× | ||
| Q2 25 | 1.95× | 1.83× | ||
| Q1 25 | 1.51× | — | ||
| Q4 24 | 2.37× | 4.25× | ||
| Q3 24 | 1.74× | 1.63× | ||
| Q2 24 | 2.16× | 0.63× |
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% |
WSBC
| Net Interest Income | $215.4M | 84% |
| Noninterest Income | $41.8M | 16% |
