First Cash (FCFS) & PHH (PHH) Head to Head Survey
First Cash (NYSE: FCFS) and PHH (NYSE:PHH) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their earnings, dividends, valuation, profitability, risk, analyst recommendations and institutional ownership.
Earnings & Valuation
This table compares First Cash and PHH’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|First Cash||$1.09 billion||2.89||$60.12 million||$2.34||28.46|
|PHH||$622.00 million||0.60||-$202.00 million||($5.74)||-1.99|
This is a breakdown of recent ratings and price targets for First Cash and PHH, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
First Cash currently has a consensus price target of $64.00, suggesting a potential downside of 3.90%. PHH has a consensus price target of $15.83, suggesting a potential upside of 38.77%. Given PHH’s higher probable upside, analysts clearly believe PHH is more favorable than First Cash.
Insider & Institutional Ownership
95.8% of First Cash shares are held by institutional investors. Comparatively, 93.3% of PHH shares are held by institutional investors. 2.8% of First Cash shares are held by insiders. Comparatively, 2.5% of PHH shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
This table compares First Cash and PHH’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
First Cash pays an annual dividend of $0.80 per share and has a dividend yield of 1.2%. PHH does not pay a dividend. First Cash pays out 34.2% of its earnings in the form of a dividend.
Volatility and Risk
First Cash has a beta of 0.79, indicating that its stock price is 21% less volatile than the S&P 500. Comparatively, PHH has a beta of 1.86, indicating that its stock price is 86% more volatile than the S&P 500.
First Cash beats PHH on 12 of the 15 factors compared between the two stocks.
About First Cash
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.
PHH Corporation is a standalone mortgage company. The Company provides outsourced mortgage banking services to a range of clients, including financial institutions and real estate brokers throughout the United States, and is focused on originating, selling, servicing and subservicing residential mortgage loans through its subsidiary, PHH Mortgage Corporation and its subsidiaries. It operates through two segments: Mortgage Production and Mortgage Servicing. The Mortgage Production segment provides mortgage loan origination services and sells mortgage loans. The Mortgage Servicing segment performs servicing activities for loans originated by the Company and mortgage servicing rights purchased from others, and acts as a subservicer for certain clients that own the underlying mortgage servicing rights. The Mortgage Production segment provides private label mortgage services to financial institutions and real estate brokers, and sources mortgage loans through its retail platform.
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