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Side-by-side financial comparison of FIRST HORIZON CORP (FHN) and UPBOUND GROUP, INC. (UPBD). Click either name above to swap in a different company.
UPBOUND GROUP, INC. is the larger business by last-quarter revenue ($1.2B vs $888.0M, roughly 1.3× FIRST HORIZON CORP). FIRST HORIZON CORP runs the higher net margin — 29.4% vs 1.7%, a 27.7% gap on every dollar of revenue. On growth, FIRST HORIZON CORP posted the faster year-over-year revenue change (21.8% vs 10.9%). FIRST HORIZON CORP produced more free cash flow last quarter ($389.0M vs $24.0M). Over the past eight quarters, FIRST HORIZON CORP's revenue compounded faster (20.0% CAGR vs 4.5%).
First Horizon Corporation, formerly First Tennessee Bank, is a financial services company, founded in 1864, and based in Memphis, Tennessee. Through its banking subsidiary First Horizon Bank, it provides financial services through locations in 12 states across the Southeast, a region in which it is the fourth largest regional bank.
Upbound Group, Inc. is a leading US provider of flexible lease-to-own solutions for consumer goods. It offers furniture, consumer electronics, home appliances, and accessories, catering to customers seeking accessible payment alternatives to traditional retail financing.
FHN vs UPBD — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $888.0M | $1.2B |
| Net Profit | $261.0M | $19.7M |
| Gross Margin | — | 49.0% |
| Operating Margin | 38.5% | 4.8% |
| Net Margin | 29.4% | 1.7% |
| Revenue YoY | 21.8% | 10.9% |
| Net Profit YoY | 57.2% | -36.3% |
| EPS (diluted) | $0.51 | $0.35 |
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 | $888.0M | $1.2B | ||
| Q3 25 | $889.0M | $1.2B | ||
| Q2 25 | $830.0M | $1.2B | ||
| Q1 25 | $812.0M | $1.2B | ||
| Q4 24 | $729.0M | $1.1B | ||
| Q3 24 | $827.0M | $1.1B | ||
| Q2 24 | — | $1.1B | ||
| Q1 24 | $819.0M | $1.1B |
| Q4 25 | $261.0M | $19.7M | ||
| Q3 25 | $262.0M | $13.2M | ||
| Q2 25 | $241.0M | $15.5M | ||
| Q1 25 | $218.0M | $24.8M | ||
| Q4 24 | $166.0M | $31.0M | ||
| Q3 24 | $218.0M | $30.9M | ||
| Q2 24 | — | $33.9M | ||
| Q1 24 | $192.0M | $27.7M |
| Q4 25 | — | 49.0% | ||
| Q3 25 | — | 48.3% | ||
| Q2 25 | — | 49.4% | ||
| Q1 25 | — | 46.8% | ||
| Q4 24 | — | 47.1% | ||
| Q3 24 | — | 47.8% | ||
| Q2 24 | — | 49.4% | ||
| Q1 24 | — | 48.3% |
| Q4 25 | 38.5% | 4.8% | ||
| Q3 25 | 38.7% | 4.5% | ||
| Q2 25 | 37.2% | 4.4% | ||
| Q1 25 | 35.1% | 5.3% | ||
| Q4 24 | 28.8% | 7.3% | ||
| Q3 24 | 34.0% | 6.6% | ||
| Q2 24 | — | 7.5% | ||
| Q1 24 | 31.0% | 5.6% |
| Q4 25 | 29.4% | 1.7% | ||
| Q3 25 | 29.5% | 1.1% | ||
| Q2 25 | 29.0% | 1.3% | ||
| Q1 25 | 26.8% | 2.1% | ||
| Q4 24 | 22.8% | 2.9% | ||
| Q3 24 | 26.4% | 2.9% | ||
| Q2 24 | — | 3.2% | ||
| Q1 24 | 23.4% | 2.5% |
| Q4 25 | $0.51 | $0.35 | ||
| Q3 25 | $0.50 | $0.22 | ||
| Q2 25 | $0.45 | $0.26 | ||
| Q1 25 | $0.41 | $0.42 | ||
| Q4 24 | $0.29 | $0.55 | ||
| Q3 24 | $0.40 | $0.55 | ||
| Q2 24 | — | $0.61 | ||
| Q1 24 | $0.33 | $0.50 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $120.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $8.8B | $695.7M |
| Total Assets | $83.9B | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $120.5M | ||
| Q3 25 | — | $107.0M | ||
| Q2 25 | — | $106.8M | ||
| Q1 25 | — | $107.3M | ||
| Q4 24 | — | $60.9M | ||
| Q3 24 | — | $85.1M | ||
| Q2 24 | — | $82.5M | ||
| Q1 24 | — | $84.8M |
| Q4 25 | $8.8B | $695.7M | ||
| Q3 25 | $8.9B | $687.3M | ||
| Q2 25 | $9.0B | $685.5M | ||
| Q1 25 | $8.7B | $679.2M | ||
| Q4 24 | $8.8B | $629.0M | ||
| Q3 24 | $9.0B | $611.8M | ||
| Q2 24 | — | $596.3M | ||
| Q1 24 | $8.9B | $578.3M |
| Q4 25 | $83.9B | $3.3B | ||
| Q3 25 | $83.2B | $3.2B | ||
| Q2 25 | $82.1B | $3.1B | ||
| Q1 25 | $81.5B | $3.0B | ||
| Q4 24 | $82.2B | $2.6B | ||
| Q3 24 | $82.6B | $2.6B | ||
| Q2 24 | — | $2.6B | ||
| Q1 24 | $81.8B | $2.6B |
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 | $396.0M | $41.6M |
| Free Cash FlowOCF − Capex | $389.0M | $24.0M |
| FCF MarginFCF / Revenue | 43.8% | 2.0% |
| Capex IntensityCapex / Revenue | 0.8% | 1.5% |
| Cash ConversionOCF / Net Profit | 1.52× | 2.11× |
| TTM Free Cash FlowTrailing 4 quarters | $595.0M | $238.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $396.0M | $41.6M | ||
| Q3 25 | $-200.0M | $118.4M | ||
| Q2 25 | $83.0M | $7.8M | ||
| Q1 25 | $349.0M | $137.7M | ||
| Q4 24 | $191.0M | $-61.9M | ||
| Q3 24 | $389.0M | $106.2M | ||
| Q2 24 | — | $15.0M | ||
| Q1 24 | $838.0M | $45.4M |
| Q4 25 | $389.0M | $24.0M | ||
| Q3 25 | $-208.0M | $97.9M | ||
| Q2 25 | $74.0M | $-10.4M | ||
| Q1 25 | $340.0M | $127.2M | ||
| Q4 24 | $174.0M | $-74.0M | ||
| Q3 24 | $383.0M | $88.3M | ||
| Q2 24 | — | $613.0K | ||
| Q1 24 | $828.0M | $33.6M |
| Q4 25 | 43.8% | 2.0% | ||
| Q3 25 | -23.4% | 8.4% | ||
| Q2 25 | 8.9% | -0.9% | ||
| Q1 25 | 41.9% | 10.8% | ||
| Q4 24 | 23.9% | -6.9% | ||
| Q3 24 | 46.3% | 8.3% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | 101.1% | 3.1% |
| Q4 25 | 0.8% | 1.5% | ||
| Q3 25 | 0.9% | 1.8% | ||
| Q2 25 | 1.1% | 1.6% | ||
| Q1 25 | 1.1% | 0.9% | ||
| Q4 24 | 2.3% | 1.1% | ||
| Q3 24 | 0.7% | 1.7% | ||
| Q2 24 | — | 1.3% | ||
| Q1 24 | 1.2% | 1.1% |
| Q4 25 | 1.52× | 2.11× | ||
| Q3 25 | -0.76× | 8.96× | ||
| Q2 25 | 0.34× | 0.50× | ||
| Q1 25 | 1.60× | 5.56× | ||
| Q4 24 | 1.15× | -2.00× | ||
| Q3 24 | 1.78× | 3.44× | ||
| Q2 24 | — | 0.44× | ||
| Q1 24 | 4.36× | 1.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FHN
| Commercial Consumer And Wealth Segment | $776.0M | 87% |
| Other | $88.0M | 10% |
| Corporate | $24.0M | 3% |
UPBD
Segment breakdown not available.
