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Side-by-side financial comparison of FirstCash Holdings, Inc. (FCFS) and ZIONS BANCORPORATION, NATIONAL ASSOCIATION (ZION). Click either name above to swap in a different company.
ZIONS BANCORPORATION, NATIONAL ASSOCIATION is the larger business by last-quarter revenue ($891.0M vs $501.3M, roughly 1.8× FirstCash Holdings, Inc.). ZIONS BANCORPORATION, NATIONAL ASSOCIATION runs the higher net margin — 29.5% vs 20.8%, a 8.7% gap on every dollar of revenue. On growth, FirstCash Holdings, Inc. posted the faster year-over-year revenue change (21.2% vs 8.7%). Over the past eight quarters, FirstCash Holdings, Inc.'s revenue compounded faster (16.9% CAGR vs 9.6%).
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.
Zions Bancorporation is an American national bank headquartered in Salt Lake City, Utah. It operates as a national bank rather than as a bank holding company and does business under the following seven brands: Zions Bank, Amegy Bank of Texas, California Bank and Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and the Commerce Bank of Washington.
FCFS vs ZION — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $501.3M | $891.0M |
| Net Profit | $104.2M | $263.0M |
| Gross Margin | — | — |
| Operating Margin | 28.5% | — |
| Net Margin | 20.8% | 29.5% |
| Revenue YoY | 21.2% | 8.7% |
| Net Profit YoY | 24.7% | 21.8% |
| EPS (diluted) | $2.35 | $1.77 |
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 | $891.0M | ||
| Q3 25 | $411.0M | $861.0M | ||
| Q2 25 | $385.1M | $838.0M | ||
| Q1 25 | $371.1M | $795.0M | ||
| Q4 24 | $413.7M | $820.0M | ||
| Q3 24 | $363.1M | $792.0M | ||
| Q2 24 | $363.5M | $777.0M | ||
| Q1 24 | $366.8M | $742.0M |
| Q4 25 | $104.2M | $263.0M | ||
| Q3 25 | $82.8M | $222.0M | ||
| Q2 25 | $59.8M | $244.0M | ||
| Q1 25 | $83.6M | $170.0M | ||
| Q4 24 | $83.5M | $216.0M | ||
| Q3 24 | $64.8M | $214.0M | ||
| Q2 24 | $49.1M | $201.0M | ||
| Q1 24 | $61.4M | $153.0M |
| Q4 25 | 28.5% | — | ||
| Q3 25 | 27.4% | — | ||
| Q2 25 | 21.1% | — | ||
| Q1 25 | 30.0% | — | ||
| Q4 24 | 26.5% | — | ||
| Q3 24 | 23.5% | — | ||
| Q2 24 | 18.2% | — | ||
| Q1 24 | 22.3% | — |
| Q4 25 | 20.8% | 29.5% | ||
| Q3 25 | 20.1% | 25.8% | ||
| Q2 25 | 15.5% | 29.1% | ||
| Q1 25 | 22.5% | 21.4% | ||
| Q4 24 | 20.2% | 26.3% | ||
| Q3 24 | 17.9% | 27.0% | ||
| Q2 24 | 13.5% | 25.9% | ||
| Q1 24 | 16.7% | 20.6% |
| Q4 25 | $2.35 | $1.77 | ||
| Q3 25 | $1.86 | $1.48 | ||
| Q2 25 | $1.34 | $1.63 | ||
| Q1 25 | $1.87 | $1.13 | ||
| Q4 24 | $1.86 | $1.34 | ||
| Q3 24 | $1.44 | $1.37 | ||
| Q2 24 | $1.08 | $1.28 | ||
| Q1 24 | $1.35 | $0.96 |
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 | $1.5B |
| Stockholders' EquityBook value | $2.3B | $7.2B |
| Total Assets | $5.3B | $89.0B |
| Debt / EquityLower = less leverage | 0.98× | 0.21× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $125.2M | — | ||
| Q3 25 | $130.2M | — | ||
| Q2 25 | $101.5M | — | ||
| Q1 25 | $146.0M | — | ||
| Q4 24 | $175.1M | — | ||
| Q3 24 | $106.3M | — | ||
| Q2 24 | $113.7M | — | ||
| Q1 24 | $135.1M | — |
| Q4 25 | $2.2B | $1.5B | ||
| Q3 25 | $2.2B | $1.5B | ||
| Q2 25 | $1.7B | $970.0M | ||
| Q1 25 | $1.7B | $964.0M | ||
| Q4 24 | $1.7B | $950.0M | ||
| Q3 24 | $1.7B | $548.0M | ||
| Q2 24 | $1.7B | $546.0M | ||
| Q1 24 | $1.5B | $544.0M |
| Q4 25 | $2.3B | $7.2B | ||
| Q3 25 | $2.2B | $6.9B | ||
| Q2 25 | $2.1B | $6.6B | ||
| Q1 25 | $2.1B | $6.3B | ||
| Q4 24 | $2.1B | $6.1B | ||
| Q3 24 | $2.0B | $6.4B | ||
| Q2 24 | $2.0B | $6.0B | ||
| Q1 24 | $2.0B | $5.8B |
| Q4 25 | $5.3B | $89.0B | ||
| Q3 25 | $5.2B | $88.5B | ||
| Q2 25 | $4.5B | $88.9B | ||
| Q1 25 | $4.4B | $88.0B | ||
| Q4 24 | $4.5B | $88.8B | ||
| Q3 24 | $4.4B | $87.0B | ||
| Q2 24 | $4.3B | $87.6B | ||
| Q1 24 | $4.2B | $87.1B |
| Q4 25 | 0.98× | 0.21× | ||
| Q3 25 | 1.01× | 0.21× | ||
| Q2 25 | 0.79× | 0.15× | ||
| Q1 25 | 0.83× | 0.15× | ||
| Q4 24 | 0.85× | 0.16× | ||
| Q3 24 | 0.87× | 0.09× | ||
| Q2 24 | 0.85× | 0.09× | ||
| Q1 24 | 0.75× | 0.09× |
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 | $1.1B |
| Free Cash FlowOCF − Capex | — | $952.0M |
| FCF MarginFCF / Revenue | — | 106.8% |
| Capex IntensityCapex / Revenue | — | 13.6% |
| Cash ConversionOCF / Net Profit | 1.98× | 4.08× |
| TTM Free Cash FlowTrailing 4 quarters | — | $1.4B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.6M | $1.1B | ||
| Q3 25 | $135.8M | $438.0M | ||
| Q2 25 | $116.9M | $-62.0M | ||
| Q1 25 | $126.6M | $179.0M | ||
| Q4 24 | $198.1M | $1.1B | ||
| Q3 24 | $113.1M | $119.0M | ||
| Q2 24 | $106.2M | $251.0M | ||
| Q1 24 | $122.5M | $261.0M |
| Q4 25 | — | $952.0M | ||
| Q3 25 | — | $413.0M | ||
| Q2 25 | — | $-93.0M | ||
| Q1 25 | — | $152.0M | ||
| Q4 24 | — | $1.1B | ||
| Q3 24 | — | $97.0M | ||
| Q2 24 | — | $234.0M | ||
| Q1 24 | — | $231.0M |
| Q4 25 | — | 106.8% | ||
| Q3 25 | — | 48.0% | ||
| Q2 25 | — | -11.1% | ||
| Q1 25 | — | 19.1% | ||
| Q4 24 | — | 128.2% | ||
| Q3 24 | — | 12.2% | ||
| Q2 24 | — | 30.1% | ||
| Q1 24 | — | 31.1% |
| Q4 25 | — | 13.6% | ||
| Q3 25 | — | 2.9% | ||
| Q2 25 | — | 3.7% | ||
| Q1 25 | — | 3.4% | ||
| Q4 24 | — | 11.8% | ||
| Q3 24 | — | 2.8% | ||
| Q2 24 | — | 2.2% | ||
| Q1 24 | — | 4.0% |
| Q4 25 | 1.98× | 4.08× | ||
| Q3 25 | 1.64× | 1.97× | ||
| Q2 25 | 1.95× | -0.25× | ||
| Q1 25 | 1.51× | 1.05× | ||
| Q4 24 | 2.37× | 5.31× | ||
| Q3 24 | 1.74× | 0.56× | ||
| Q2 24 | 2.16× | 1.25× | ||
| Q1 24 | 2.00× | 1.71× |
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% |
ZION
Segment breakdown not available.
