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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and OLYMPIC STEEL INC (ZEUS). Click either name above to swap in a different company.
FirstCash Holdings, Inc. is the larger business by last-quarter revenue ($501.3M vs $490.7M, roughly 1.0× OLYMPIC STEEL INC). FirstCash Holdings, Inc. runs the higher net margin — 20.8% vs 0.4%, a 20.3% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 4.4%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 0.1%).
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.
Olympic Steel, Inc. is a metals service center based in Cleveland, Ohio. The company processes and distributes carbon, coated and stainless flat-rolled sheet, coil and plate steel, aluminium alloy, tin plate, and metal-intensive branded products primarily in the United States. Metals processing and value added services include tempering, stretch leveling, cutting-to-length, slitting, edging, shearing, blanking, burning, forming, shot blasting, laser punching, plate rolling, fabricating, machi...
FCFS vs ZEUS — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $490.7M |
| Net Profit | $104.2M | $2.2M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | 1.5% |
| Net Margin | 20.8% | 0.4% |
| Revenue YoY | 21.2% | 4.4% |
| Net Profit YoY | 24.7% | -21.2% |
| EPS (diluted) | $2.35 | $0.18 |
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 | — | ||
| Q3 25 | $411.0M | $490.7M | ||
| Q2 25 | $385.1M | $496.5M | ||
| Q1 25 | $371.1M | $492.9M | ||
| Q4 24 | $413.7M | $418.8M | ||
| Q3 24 | $363.1M | $470.0M | ||
| Q2 24 | $363.5M | $526.3M | ||
| Q1 24 | $366.8M | $526.6M |
| Q4 25 | $104.2M | — | ||
| Q3 25 | $82.8M | $2.2M | ||
| Q2 25 | $59.8M | $5.2M | ||
| Q1 25 | $83.6M | $2.5M | ||
| Q4 24 | $83.5M | $3.9M | ||
| Q3 24 | $64.8M | $2.7M | ||
| Q2 24 | $49.1M | $7.7M | ||
| Q1 24 | $61.4M | $8.7M |
| Q4 25 | 28.5% | — | ||
| Q3 25 | 27.4% | 1.5% | ||
| Q2 25 | 21.1% | 2.3% | ||
| Q1 25 | 30.0% | 1.6% | ||
| Q4 24 | 26.5% | 2.1% | ||
| Q3 24 | 23.5% | 1.7% | ||
| Q2 24 | 18.2% | 2.9% | ||
| Q1 24 | 22.3% | 3.0% |
| Q4 25 | 20.8% | — | ||
| Q3 25 | 20.1% | 0.4% | ||
| Q2 25 | 15.5% | 1.1% | ||
| Q1 25 | 22.5% | 0.5% | ||
| Q4 24 | 20.2% | 0.9% | ||
| Q3 24 | 17.9% | 0.6% | ||
| Q2 24 | 13.5% | 1.5% | ||
| Q1 24 | 16.7% | 1.7% |
| Q4 25 | $2.35 | — | ||
| Q3 25 | $1.86 | $0.18 | ||
| Q2 25 | $1.34 | $0.45 | ||
| Q1 25 | $1.87 | $0.21 | ||
| Q4 24 | $1.86 | $0.33 | ||
| Q3 24 | $1.44 | $0.23 | ||
| Q2 24 | $1.08 | $0.66 | ||
| Q1 24 | $1.35 | $0.75 |
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 | $7.5M |
| Total DebtLower is stronger | $2.2B | $240.9M |
| Stockholders' EquityBook value | $2.3B | $579.1M |
| Total Assets | $5.3B | $1.1B |
| Debt / EquityLower = less leverage | 0.98× | 0.42× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | — | ||
| Q3 25 | $130.2M | $7.5M | ||
| Q2 25 | $101.5M | $14.8M | ||
| Q1 25 | $146.0M | $13.3M | ||
| Q4 24 | $175.1M | $11.9M | ||
| Q3 24 | $106.3M | $11.1M | ||
| Q2 24 | $113.7M | $9.4M | ||
| Q1 24 | $135.1M | $10.3M |
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.2B | $240.9M | ||
| Q2 25 | $1.7B | $233.2M | ||
| Q1 25 | $1.7B | $235.4M | ||
| Q4 24 | $1.7B | $272.5M | ||
| Q3 24 | $1.7B | $197.3M | ||
| Q2 24 | $1.7B | $209.2M | ||
| Q1 24 | $1.5B | $196.8M |
| Q4 25 | $2.3B | — | ||
| Q3 25 | $2.2B | $579.1M | ||
| Q2 25 | $2.1B | $578.2M | ||
| Q1 25 | $2.1B | $574.2M | ||
| Q4 24 | $2.1B | $573.9M | ||
| Q3 24 | $2.0B | $570.6M | ||
| Q2 24 | $2.0B | $569.5M | ||
| Q1 24 | $2.0B | $563.0M |
| Q4 25 | $5.3B | — | ||
| Q3 25 | $5.2B | $1.1B | ||
| Q2 25 | $4.5B | $1.1B | ||
| Q1 25 | $4.4B | $1.1B | ||
| Q4 24 | $4.5B | $1.0B | ||
| Q3 24 | $4.4B | $1.0B | ||
| Q2 24 | $4.3B | $1.0B | ||
| Q1 24 | $4.2B | $1.0B |
| Q4 25 | 0.98× | — | ||
| Q3 25 | 1.01× | 0.42× | ||
| Q2 25 | 0.79× | 0.40× | ||
| Q1 25 | 0.83× | 0.41× | ||
| Q4 24 | 0.85× | 0.47× | ||
| Q3 24 | 0.87× | 0.35× | ||
| Q2 24 | 0.85× | 0.37× | ||
| Q1 24 | 0.75× | 0.35× |
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 | $-5.4M |
| Free Cash FlowOCF − Capex | — | $-12.9M |
| FCF MarginFCF / Revenue | — | -2.6% |
| Capex IntensityCapex / Revenue | — | 1.5% |
| Cash ConversionOCF / Net Profit | 1.98× | -2.50× |
| TTM Free Cash FlowTrailing 4 quarters | — | $41.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | — | ||
| Q3 25 | $135.8M | $-5.4M | ||
| Q2 25 | $116.9M | $15.5M | ||
| Q1 25 | $126.6M | $49.4M | ||
| Q4 24 | $198.1M | $14.6M | ||
| Q3 24 | $113.1M | $24.6M | ||
| Q2 24 | $106.2M | $-2.9M | ||
| Q1 24 | $122.5M | $-2.6M |
| Q4 25 | — | — | ||
| Q3 25 | — | $-12.9M | ||
| Q2 25 | — | $6.8M | ||
| Q1 25 | — | $40.6M | ||
| Q4 24 | — | $7.4M | ||
| Q3 24 | — | $15.6M | ||
| Q2 24 | — | $-11.3M | ||
| Q1 24 | — | $-7.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | -2.6% | ||
| Q2 25 | — | 1.4% | ||
| Q1 25 | — | 8.2% | ||
| Q4 24 | — | 1.8% | ||
| Q3 24 | — | 3.3% | ||
| Q2 24 | — | -2.2% | ||
| Q1 24 | — | -1.4% |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | 1.7% | ||
| Q1 25 | — | 1.8% | ||
| Q4 24 | — | 1.7% | ||
| Q3 24 | — | 1.9% | ||
| Q2 24 | — | 1.6% | ||
| Q1 24 | — | 0.9% |
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | -2.50× | ||
| Q2 25 | 1.95× | 2.96× | ||
| Q1 25 | 1.51× | 19.70× | ||
| Q4 24 | 2.37× | 3.75× | ||
| Q3 24 | 1.74× | 9.01× | ||
| Q2 24 | 2.16× | -0.38× | ||
| Q1 24 | 2.00× | -0.30× |
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% |
ZEUS
| Carbon Flat Products | $268.2M | 55% |
| Specialty Metals Flat Products | $140.9M | 29% |
| Tubular And Pipe Products | $81.6M | 17% |
