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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and Zeta Global Holdings Corp. (ZETA). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $394.6M, roughly 1.3× Zeta Global Holdings Corp.). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 1.7%, a 19.1% gap on every dollar of revenue. On growth, Zeta Global Holdings Corp. posted the faster year-over-year revenue change (25.4% vs 21.2%). Over the past eight quarters, Zeta Global Holdings Corp.'s revenue compounded faster (42.3% 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.
Zeta Global Holdings Corp. is an American marketing technology company which was founded in 2007. Zeta offers companies a suite of multichannel marketing tools focused on creating, maintaining, and monetizing customer relationships. The company went public on the New York Stock Exchange on June 10, 2021, at a US$1.7 billion valuation.
FCFS vs ZETA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $394.6M |
| Net Profit | $104.2M | $6.5M |
| Gross Margin | — | 59.5% |
| Operating Margin | 28.5% | 4.5% |
| Net Margin | 20.8% | 1.7% |
| Revenue YoY | 21.2% | 25.4% |
| Net Profit YoY | 24.7% | -57.1% |
| EPS (diluted) | $2.35 | $0.04 |
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 | $394.6M | ||
| Q3 25 | $411.0M | $337.2M | ||
| Q2 25 | $385.1M | $308.4M | ||
| Q1 25 | $371.1M | $264.4M | ||
| Q4 24 | $413.7M | $314.7M | ||
| Q3 24 | $363.1M | $268.3M | ||
| Q2 24 | $363.5M | $227.8M | ||
| Q1 24 | $366.8M | $194.9M |
| Q4 25 | $104.2M | $6.5M | ||
| Q3 25 | $82.8M | $-3.6M | ||
| Q2 25 | $59.8M | $-12.8M | ||
| Q1 25 | $83.6M | $-21.6M | ||
| Q4 24 | $83.5M | $15.2M | ||
| Q3 24 | $64.8M | $-17.4M | ||
| Q2 24 | $49.1M | $-28.1M | ||
| Q1 24 | $61.4M | $-39.6M |
| Q4 25 | — | 59.5% | ||
| Q3 25 | — | 60.5% | ||
| Q2 25 | — | 62.1% | ||
| Q1 25 | — | 60.9% | ||
| Q4 24 | — | 60.0% | ||
| Q3 24 | — | 60.6% | ||
| Q2 24 | — | 60.0% | ||
| Q1 24 | — | 60.6% |
| Q4 25 | 28.5% | 4.5% | ||
| Q3 25 | 27.4% | 2.6% | ||
| Q2 25 | 21.1% | -1.7% | ||
| Q1 25 | 30.0% | -6.1% | ||
| Q4 24 | 26.5% | 2.2% | ||
| Q3 24 | 23.5% | -4.6% | ||
| Q2 24 | 18.2% | -11.7% | ||
| Q1 24 | 22.3% | -18.4% |
| Q4 25 | 20.8% | 1.7% | ||
| Q3 25 | 20.1% | -1.1% | ||
| Q2 25 | 15.5% | -4.2% | ||
| Q1 25 | 22.5% | -8.2% | ||
| Q4 24 | 20.2% | 4.8% | ||
| Q3 24 | 17.9% | -6.5% | ||
| Q2 24 | 13.5% | -12.3% | ||
| Q1 24 | 16.7% | -20.3% |
| Q4 25 | $2.35 | $0.04 | ||
| Q3 25 | $1.86 | $-0.02 | ||
| Q2 25 | $1.34 | $-0.06 | ||
| Q1 25 | $1.87 | $-0.10 | ||
| Q4 24 | $1.86 | $0.10 | ||
| Q3 24 | $1.44 | $-0.09 | ||
| Q2 24 | $1.08 | $-0.16 | ||
| Q1 24 | $1.35 | $-0.23 |
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 | $319.8M |
| Total DebtLower is stronger | $2.2B | $197.1M |
| Stockholders' EquityBook value | $2.3B | $804.6M |
| Total Assets | $5.3B | $1.5B |
| Debt / EquityLower = less leverage | 0.98× | 0.24× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | $319.8M | ||
| Q3 25 | $130.2M | $385.2M | ||
| Q2 25 | $101.5M | $365.3M | ||
| Q1 25 | $146.0M | $364.4M | ||
| Q4 24 | $175.1M | $366.2M | ||
| Q3 24 | $106.3M | $418.5M | ||
| Q2 24 | $113.7M | $154.7M | ||
| Q1 24 | $135.1M | $141.6M |
| Q4 25 | $2.2B | $197.1M | ||
| Q3 25 | $2.2B | $196.9M | ||
| Q2 25 | $1.7B | $196.7M | ||
| Q1 25 | $1.7B | $196.5M | ||
| Q4 24 | $1.7B | $196.3M | ||
| Q3 24 | $1.7B | $196.1M | ||
| Q2 24 | $1.7B | $184.4M | ||
| Q1 24 | $1.5B | $184.2M |
| Q4 25 | $2.3B | $804.6M | ||
| Q3 25 | $2.2B | $689.2M | ||
| Q2 25 | $2.1B | $673.3M | ||
| Q1 25 | $2.1B | $676.6M | ||
| Q4 24 | $2.1B | $676.8M | ||
| Q3 24 | $2.0B | $474.9M | ||
| Q2 24 | $2.0B | $217.0M | ||
| Q1 24 | $2.0B | $191.6M |
| Q4 25 | $5.3B | $1.5B | ||
| Q3 25 | $5.2B | $1.2B | ||
| Q2 25 | $4.5B | $1.1B | ||
| Q1 25 | $4.4B | $1.1B | ||
| Q4 24 | $4.5B | $1.1B | ||
| Q3 24 | $4.4B | $869.1M | ||
| Q2 24 | $4.3B | $583.9M | ||
| Q1 24 | $4.2B | $550.3M |
| Q4 25 | 0.98× | 0.24× | ||
| Q3 25 | 1.01× | 0.29× | ||
| Q2 25 | 0.79× | 0.29× | ||
| Q1 25 | 0.83× | 0.29× | ||
| Q4 24 | 0.85× | 0.29× | ||
| Q3 24 | 0.87× | 0.41× | ||
| Q2 24 | 0.85× | 0.85× | ||
| Q1 24 | 0.75× | 0.96× |
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 | $64.1M |
| Free Cash FlowOCF − Capex | — | $60.9M |
| FCF MarginFCF / Revenue | — | 15.4% |
| Capex IntensityCapex / Revenue | — | 0.8% |
| Cash ConversionOCF / Net Profit | 1.98× | 9.81× |
| TTM Free Cash FlowTrailing 4 quarters | — | $185.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $64.1M | ||
| Q3 25 | $135.8M | $57.9M | ||
| Q2 25 | $116.9M | $42.0M | ||
| Q1 25 | $126.6M | $34.8M | ||
| Q4 24 | $198.1M | $43.7M | ||
| Q3 24 | $113.1M | $34.4M | ||
| Q2 24 | $106.2M | $31.1M | ||
| Q1 24 | $122.5M | $24.7M |
| Q4 25 | — | $60.9M | ||
| Q3 25 | — | $52.4M | ||
| Q2 25 | — | $39.7M | ||
| Q1 25 | — | $32.1M | ||
| Q4 24 | — | $35.4M | ||
| Q3 24 | — | $29.5M | ||
| Q2 24 | — | $24.4M | ||
| Q1 24 | — | $18.9M |
| Q4 25 | — | 15.4% | ||
| Q3 25 | — | 15.6% | ||
| Q2 25 | — | 12.9% | ||
| Q1 25 | — | 12.1% | ||
| Q4 24 | — | 11.3% | ||
| Q3 24 | — | 11.0% | ||
| Q2 24 | — | 10.7% | ||
| Q1 24 | — | 9.7% |
| Q4 25 | — | 0.8% | ||
| Q3 25 | — | 1.6% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | 1.8% | ||
| Q2 24 | — | 3.0% | ||
| Q1 24 | — | 3.0% |
| Q4 25 | 1.98× | 9.81× | ||
| Q3 25 | 1.64× | — | ||
| Q2 25 | 1.95× | — | ||
| Q1 25 | 1.51× | — | ||
| Q4 24 | 2.37× | 2.87× | ||
| 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% |
ZETA
Segment breakdown not available.
