FCFS PEER ANALYSIS

FirstCash Inc — metric-by-metric comparison with peers and the industry median

FCFSFirstCash Inc

🇺🇸 USA · NASDAQ · Financial Services · Credit Services

Value it Duel

Overall Profile & Returns

· Credit Services

Position Within Industry

0 = weak quartile, 100 = strong quartile

FCFSIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	FCFS	KTLEV	DSTKF	ZIP	QNBFK	GSY	Ind. Median
P/E	27.87●	113.62	—	37.96	172.84	—	15.93
P/B	4.30	24.14	89.80	6.24	13.74	0.92●	2.03
EV/EBITDA	11.89	—	—	34.15	—	6.32●	15.71
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FCFS	KTLEV	DSTKF	ZIP	QNBFK	GSY	Ind. Median
Current Ratio	4.77	—	—	788.09●	—	—	1.20
Debt/Equity	113.6%	0.0%●	0.0%●	383.4%	0.0%●	599.1%	116.1%
NetDebt/EBITDA	2.39●	—	—	11.13	—	5.42	2.39

Profitability
Metric	FCFS	KTLEV	DSTKF	ZIP	QNBFK	GSY	Ind. Median
Net Margin	9.1%●	—	—	8.9%	—	-15.8%	10.0%
ROE	16.3%	32.2%●	10.6%	15.9%	8.9%	-27.7%	13.4%
ROA	7.2%●	—	—	2.9%	—	-4.9%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	FCFS	KTLEV	DSTKF	ZIP	QNBFK	GSY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	26.1%	—	—	—	—	—	19.9%
Div. Yield	0.8%	—	—	—	—	9.4%●	1.2%
Payout	20.4%	—	—	—	—	-33.6%	16.3%

Valuation
Metric	FCFS	CACC	OMF	ALLY	SEZL	ENVA	Ind. Median
P/E	27.87	15.62	8.78●	10.82	41.85	19.12	15.93
P/B	4.30	4.68	2.07	0.91●	31.54	4.45	2.03
EV/EBITDA	11.89	16.16	16.48	2.15●	32.18	17.09	15.71
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FCFS	CACC	OMF	ALLY	SEZL	ENVA	Ind. Median
Current Ratio	4.77	20.57●	—	0.20	3.65	0.23	1.20
Debt/Equity	113.6%	423.3%	663.2%	138.4%	73.8%●	347.0%	116.1%
NetDebt/EBITDA	2.39	7.66	12.20	-2.37●	0.13	7.40	2.39

Profitability
Metric	FCFS	CACC	OMF	ALLY	SEZL	ENVA	Ind. Median
Net Margin	9.1%	19.6%	12.6%	8.9%	30.8%●	10.0%	10.0%
ROE	16.3%	28.1%	23.9%	9.4%	92.0%●	25.1%	13.4%
ROA	7.2%	5.1%	3.0%	0.7%	39.4%●	5.3%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	FCFS	CACC	OMF	ALLY	SEZL	ENVA	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	26.1%	56.4%	40.4%	161.4%●	39.0%	39.6%	19.9%
Div. Yield	0.8%	—	6.9%●	2.6%	—	—	1.2%
Payout	20.4%	—	62.9%	35.2%	—	—	16.3%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.