FirstCash (NASDAQ: FCFS) is one of 27 publicly-traded companies in the “Consumer Lending” industry, but how does it contrast to its rivals? We will compare FirstCash to similar businesses based on the strength of its dividends, analyst recommendations, valuation, profitability, risk, earnings and institutional ownership.

Profitability

This table compares FirstCash and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
FirstCash 3.66% 4.10% 2.95%
FirstCash Competitors -28.26% -17.28% 0.63%

Risk and Volatility

FirstCash has a beta of 0.9, indicating that its share price is 10% less volatile than the S&P 500. Comparatively, FirstCash’s rivals have a beta of 1.48, indicating that their average share price is 48% more volatile than the S&P 500.

Analyst Ratings

This is a summary of current recommendations and price targets for FirstCash and its rivals, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FirstCash 0 2 4 0 2.67
FirstCash Competitors 192 744 1066 58 2.48

FirstCash currently has a consensus price target of $60.20, indicating a potential upside of 0.67%. As a group, “Consumer Lending” companies have a potential upside of 59.88%. Given FirstCash’s rivals higher probable upside, analysts plainly believe FirstCash has less favorable growth aspects than its rivals.

Dividends

FirstCash pays an annual dividend of $0.50 per share and has a dividend yield of 0.8%. FirstCash pays out 25.4% of its earnings in the form of a dividend. As a group, “Consumer Lending” companies pay a dividend yield of 1.7% and pay out 25.6% of their earnings in the form of a dividend.

Insider & Institutional Ownership

77.6% of shares of all “Consumer Lending” companies are held by institutional investors. 15.2% of shares of all “Consumer Lending” companies are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Valuation and Earnings

This table compares FirstCash and its rivals top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue EBITDA Price/Earnings Ratio
FirstCash $1.59 billion $249.94 million 30.36
FirstCash Competitors $564.84 million $92.07 million 15.73

FirstCash has higher revenue and earnings than its rivals. FirstCash is trading at a higher price-to-earnings ratio than its rivals, indicating that it is currently more expensive than other companies in its industry.

Summary

FirstCash beats its rivals on 9 of the 15 factors compared.

About FirstCash

FirstCash, Inc., formerly First Cash Financial Services, Inc., is an operator of retail-based pawn stores in the United States and Latin America. The Company’s primary business is the operation of full-service pawn stores, which make small pawn loans secured by personal property, such as consumer electronics, jewelry, power tools, household appliances, sporting goods and musical instruments. The Company’s operates through two segments: the U.S. operations segment and the Latin America operations segment. The U.S. operations segment consists of all pawn and consumer loan operations in the United States and the Latin America operations segment consists of all pawn and consumer loan operations in Latin America, which includes operations in Mexico, Guatemala and El Salvador. In addition, some of the Company’s pawn stores offer small unsecured consumer loans or credit services products. The Company also operates consumer finance stores in Texas and Mexico.

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