FirstCash Holdings (FCFS) Peer Comparison
$185.67
$-1.88
(-1.00%)
As on 06-Nov-2026 16:00EST
Market cap
$7,963 Mln
Revenue (TTM)
$4,286 Mln
P/E Ratio
20.1
P/B Ratio
3.5
Div. Yield
0.9 %
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| FirstCash Holdings (FCFS) | Ally Financial (ALLY) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | Enova International (ENVA) | |
|---|---|---|---|---|---|
Market cap ($ Mln) |
7,963 | 11,650 | 6,505 | 5,368 | 4,263 |
Revenue ($ Mln) |
4,286 | 16,044 | 6,527 | 2,342 | 3,217 |
Net Profit ($ Mln) |
406.49 | 1,489.00 | 767.00 | 337.10 | 382.44 |
Net Margin (%) |
9.48 | 9.28 | 11.75 | 14.39 | 11.89 |
RoE (%) |
17.78 | 9.74 | 22.67 | 23.22 | 25.75 |
Price to Earnings |
20.09 | 8.89 | 8.65 | 17.19 | 12.04 |
Price-To-Book |
3.54 | 0.91 | 1.92 | 3.81 | 2.83 |
Income Statement ($ Mln)
| FirstCash Holdings (FCFS) | Ally Financial (ALLY) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | Enova International (ENVA) | |
|---|---|---|---|---|---|
|
Operating Revenue
|
4,285.93 | 16,044.00 | 6,527.00 | 2,341.90 | 3,217.40 |
|
Cost of Revenue
|
2,198.41 | 8,050.00 | 2,141.00 | 447.80 | 750.13 |
|
Gross Profit
|
1,891.51 | 6,318.00 | 2,973.00 | 2,288.20 | 1,579.96 |
|
Operating Expenses
|
1,401.38 | 6,104.00 | 2,415.00 | 994.40 | 1,586.51 |
|
Operating Profit (EBIT)
|
686.14 | 1,890.00 | 1,971.00 | 899.70 | 880.76 |
|
Other Income
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|
Profit before Tax
|
553.59 | 1,890.00 | 974.00 | 427.10 | 494.60 |
|
Provision for Tax
|
147.09 | 401.00 | 207.00 | 90.00 | 112.16 |
|
Profit after Tax (Net Income)
|
406.49 | 1,489.00 | 767.00 | 337.10 | 382.44 |
|
Minority Interest
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|
Consolidated Profit
|
0.00 | 300.00 | 204.00 | 0.00 | 0.00 |
Liabilities ($ Mln)
| FirstCash Holdings (FCFS) | Ally Financial (ALLY) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | Enova International (ENVA) | |
|---|---|---|---|---|---|
|
Shareholder's Funds
|
2,273.33 | 14,970.00 | 3,391.00 | 1,389.30 | 1,568.63 |
|
Minority Interest
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|
Non-Current Liabilities
|
2,856.05 | 17,967.00 | 25,308.00 | 6,834.40 | 5,777.73 |
|
Current Liabilities
|
429.79 | 170,348.00 | 18.00 | 654.20 | 349.17 |
|
Total Liabilities
|
5,300.76 | 196,002.00 | 27,388.00 | 9,598.50 | 6,468.43 |
Assets ($ Mln)
| FirstCash Holdings (FCFS) | Ally Financial (ALLY) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | Enova International (ENVA) | |
|---|---|---|---|---|---|
|
Non-Current Assets
|
3,492.14 | 166,322.00 | 25,480.00 | 50.00 | 7,072.51 |
|
Current Assets
|
2,067.04 | 36,963.00 | 3,237.00 | 8,827.90 | 623.02 |
|
Total Assets
|
5,300.76 | 196,002.00 | 27,388.00 | 9,598.50 | 6,468.43 |
|
Total Debt*
|
2,807.66 | 25,030.00 | 24,074.00 | 6,723.70 | 5,409.37 |
|
Net Current Assets
|
1,637.24 | 0.00 | 0.00 | 8,282.10 | 6,491.86 |
Cashflow ($ Mln)
| FirstCash Holdings (FCFS) | Ally Financial (ALLY) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | Enova International (ENVA) | |
|---|---|---|---|---|---|
|
Cash From Operating Activities
|
585.94 | 3,628.00 | 3,130.00 | 1,054.60 | 1,819.12 |
|
Cash Flow from Investing Activities
|
-828.05 | -5,163.00 | -3,161.00 | -674.30 | -2,445.78 |
|
Cash from Financing Activities
|
176.41 | 1,956.00 | 520.00 | -724.60 | 711.82 |
|
Net Cash Inflow / Outflow
|
-- | -- | -- | -- | -- |
Ratios
Profitability Ratios
| FirstCash Holdings (FCFS) | Ally Financial (ALLY) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | Enova International (ENVA) | |
|---|---|---|---|---|---|
|
ROCE (%)
|
7.18 | 2.42 | 3.09 | 5.31 | 5.77 |
|
ROE (%)
|
17.78 | 9.74 | 22.67 | 23.22 | 25.75 |
|
ROA (%)
|
7.05 | 0.64 | 2.52 | 3.65 | 9.51 |
|
EBIT Margin (%)
|
15.47 | 8.25 | 21.28 | 36.89 | 27.31 |
|
Net Margin (%)
|
9.48 | 9.28 | 11.75 | 14.39 | 11.89 |
|
Cash Profit Margin (%)
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Growth Ratios
| FirstCash Holdings (FCFS) | Ally Financial (ALLY) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | Enova International (ENVA) | |
|---|---|---|---|---|---|
|
Revenue Growth (%)
|
22.93 | 4.91 | 6.49 | 3.08 | 5.77 |
|
EBIT Growth (%)
|
25.67 | 57.50 | 51.64 | 51.48 | 130.81 |
|
Net Profit Growth (%)
|
31.23 | 135.23 | 8.79 | -25.72 | 30.48 |
|
EPS Growth (%)
|
33.34 | 137.49 | 11.48 | -18.96 | 33.76 |
|
Book Value Growth (%)
|
5.04 | 0.86 | 3.77 | -3.07 | 22.37 |
Valuation Ratios
| FirstCash Holdings (FCFS) | Ally Financial (ALLY) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | Enova International (ENVA) | |
|---|---|---|---|---|---|
|
Price / Earnings
|
21.37 | 16.71 | 10.21 | 11.62 | 13.44 |
|
Price / Book Value
|
3.10 | 0.92 | 2.35 | 3.23 | 3.10 |
|
Dividend Yield (%)
|
-- | -- | -- | -- | -- |
|
EV/EBITDA
|
9.75 | 2.74 | 22.79 | 10.21 | 16.30 |
|
Market Cap ($ Cr)
|
-- | -- | -- | -- | -- |
Solvency Ratios
| FirstCash Holdings (FCFS) | Ally Financial (ALLY) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | Enova International (ENVA) | |
|---|---|---|---|---|---|
|
Debt to Equity
|
1.08 | 1.25 | 7.10 | 4.84 | 3.19 |
|
Short term debt to equity ratio
|
0.05 | 0.65 | 0.00 | 0.16 | 0.00 |
|
Current Ratio
|
4.81 | 0.22 | 179.83 | 13.49 | 1.78 |
|
Quick Ratio
|
3.42 | 0.22 | 179.83 | 13.49 | 1.78 |
|
Interest Coverage
|
4.87 | 1.31 | 1.74 | 1.98 | 1.86 |
Operating Efficiency Ratios
| FirstCash Holdings (FCFS) | Ally Financial (ALLY) | OneMain Holdings (OMF) | Credit Acceptance (CACC) | Enova International (ENVA) | |
|---|---|---|---|---|---|
|
Debtors to sales (%)
|
26.93 | 9.14 | 0.00 | 347.03 | 3.94 |
|
Asset Turnover
|
0.74 | 0.07 | 0.21 | 0.25 | 0.80 |
|
Receivable days
|
91.60 | 2,074.31 | 1,207.54 | 5.63 | 323.12 |
|
Inventory Days
|
84.82 | -- | -- | -- | -- |
|
Payable days
|
5.95 | 4,789.18 | -- | 4,508.95 | 16.02 |
|
Cash Conversion Cycle
|
170.47 | -- | -- | -- | -- |
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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