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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and Western Union CO (WU). Click either name above to swap in a different company.
Western Union CO is the larger business by last-quarter revenue ($982.7M vs $501.3M, roughly 2.0× FirstCash Holdings, Inc.). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 6.6%, a 14.2% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 0.0%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs -1.9%).
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.
The Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.
FCFS vs WU — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $982.7M |
| Net Profit | $104.2M | $64.7M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | 12.5% |
| Net Margin | 20.8% | 6.6% |
| Revenue YoY | 21.2% | 0.0% |
| Net Profit YoY | 24.7% | -47.6% |
| EPS (diluted) | $2.35 | $0.41 |
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 | — | $982.7M | ||
| Q4 25 | $501.3M | $972.0M | ||
| Q3 25 | $411.0M | $985.3M | ||
| Q2 25 | $385.1M | $983.6M | ||
| Q1 25 | $371.1M | $938.7M | ||
| Q4 24 | $413.7M | $1.0B | ||
| Q3 24 | $363.1M | $993.4M | ||
| Q2 24 | $363.5M | $1.0B |
| Q1 26 | — | $64.7M | ||
| Q4 25 | $104.2M | $114.4M | ||
| Q3 25 | $82.8M | $139.6M | ||
| Q2 25 | $59.8M | $122.1M | ||
| Q1 25 | $83.6M | $123.5M | ||
| Q4 24 | $83.5M | $385.7M | ||
| Q3 24 | $64.8M | $264.8M | ||
| Q2 24 | $49.1M | $141.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 33.6% | ||
| Q3 25 | — | 34.7% | ||
| Q2 25 | — | 34.6% | ||
| Q1 25 | — | 34.0% | ||
| Q4 24 | — | 35.0% | ||
| Q3 24 | — | 34.2% | ||
| Q2 24 | — | 35.0% |
| Q1 26 | — | 12.5% | ||
| Q4 25 | 28.5% | 19.1% | ||
| Q3 25 | 27.4% | 20.5% | ||
| Q2 25 | 21.1% | 19.6% | ||
| Q1 25 | 30.0% | 18.9% | ||
| Q4 24 | 26.5% | 17.5% | ||
| Q3 24 | 23.5% | 16.6% | ||
| Q2 24 | 18.2% | 18.7% |
| Q1 26 | — | 6.6% | ||
| Q4 25 | 20.8% | 11.8% | ||
| Q3 25 | 20.1% | 14.2% | ||
| Q2 25 | 15.5% | 12.4% | ||
| Q1 25 | 22.5% | 13.2% | ||
| Q4 24 | 20.2% | 37.9% | ||
| Q3 24 | 17.9% | 26.7% | ||
| Q2 24 | 13.5% | 13.8% |
| Q1 26 | — | $0.41 | ||
| Q4 25 | $2.35 | $0.36 | ||
| Q3 25 | $1.86 | $0.43 | ||
| Q2 25 | $1.34 | $0.37 | ||
| Q1 25 | $1.87 | $0.36 | ||
| Q4 24 | $1.86 | $1.14 | ||
| Q3 24 | $1.44 | $0.78 | ||
| Q2 24 | $1.08 | $0.41 |
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 | $909.2M |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $2.3B | $910.5M |
| Total Assets | $5.3B | $8.1B |
| Debt / EquityLower = less leverage | 0.98× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $909.2M | ||
| Q4 25 | $125.2M | $1.2B | ||
| Q3 25 | $130.2M | $947.8M | ||
| Q2 25 | $101.5M | $1.0B | ||
| Q1 25 | $146.0M | $1.3B | ||
| Q4 24 | $175.1M | $1.5B | ||
| Q3 24 | $106.3M | $1.1B | ||
| Q2 24 | $113.7M | $1.0B |
| Q1 26 | — | — | ||
| Q4 25 | $2.2B | $2.9B | ||
| Q3 25 | $2.2B | $2.5B | ||
| Q2 25 | $1.7B | $2.5B | ||
| Q1 25 | $1.7B | $2.5B | ||
| Q4 24 | $1.7B | $3.0B | ||
| Q3 24 | $1.7B | $2.1B | ||
| Q2 24 | $1.7B | $2.1B |
| Q1 26 | — | $910.5M | ||
| Q4 25 | $2.3B | $957.8M | ||
| Q3 25 | $2.2B | $925.4M | ||
| Q2 25 | $2.1B | $883.6M | ||
| Q1 25 | $2.1B | $939.4M | ||
| Q4 24 | $2.1B | $968.9M | ||
| Q3 24 | $2.0B | $652.7M | ||
| Q2 24 | $2.0B | $440.8M |
| Q1 26 | — | $8.1B | ||
| Q4 25 | $5.3B | $8.3B | ||
| Q3 25 | $5.2B | $7.8B | ||
| Q2 25 | $4.5B | $8.0B | ||
| Q1 25 | $4.4B | $8.3B | ||
| Q4 24 | $4.5B | $8.4B | ||
| Q3 24 | $4.4B | $7.7B | ||
| Q2 24 | $4.3B | $8.0B |
| Q1 26 | — | — | ||
| Q4 25 | 0.98× | 3.01× | ||
| Q3 25 | 1.01× | 2.70× | ||
| Q2 25 | 0.79× | 2.83× | ||
| Q1 25 | 0.83× | 2.61× | ||
| Q4 24 | 0.85× | 3.04× | ||
| Q3 24 | 0.87× | 3.29× | ||
| Q2 24 | 0.85× | 4.88× |
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 | $109.0M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | 4.8% |
| Cash ConversionOCF / Net Profit | 1.98× | 1.68× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $109.0M | ||
| Q4 25 | $206.6M | $135.4M | ||
| Q3 25 | $135.8M | $260.4M | ||
| Q2 25 | $116.9M | $-300.0K | ||
| Q1 25 | $126.6M | $148.2M | ||
| Q4 24 | $198.1M | $134.0M | ||
| Q3 24 | $113.1M | $212.1M | ||
| Q2 24 | $106.2M | $-33.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | $115.5M | ||
| Q3 25 | — | $252.7M | ||
| Q2 25 | — | $-7.8M | ||
| Q1 25 | — | $144.8M | ||
| Q4 24 | — | $119.7M | ||
| Q3 24 | — | $205.1M | ||
| Q2 24 | — | $-38.9M |
| Q1 26 | — | — | ||
| Q4 25 | — | 11.9% | ||
| Q3 25 | — | 25.6% | ||
| Q2 25 | — | -0.8% | ||
| Q1 25 | — | 15.4% | ||
| Q4 24 | — | 11.8% | ||
| Q3 24 | — | 20.6% | ||
| Q2 24 | — | -3.8% |
| Q1 26 | — | 4.8% | ||
| Q4 25 | — | 2.0% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 0.7% | ||
| Q2 24 | — | 0.5% |
| Q1 26 | — | 1.68× | ||
| Q4 25 | 1.98× | 1.18× | ||
| Q3 25 | 1.64× | 1.87× | ||
| Q2 25 | 1.95× | -0.00× | ||
| Q1 25 | 1.51× | 1.20× | ||
| Q4 24 | 2.37× | 0.35× | ||
| Q3 24 | 1.74× | 0.80× | ||
| Q2 24 | 2.16× | -0.24× |
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% |
WU
Segment breakdown not available.
