BTM vs FCFS

For growth investors, FirstCash Holdings, Inc (FCFS) is the stronger pick with 8.

0% revenue growth year-over-year, versus 7. 2% for Bitcoin Depot Inc. (BTM). FirstCash Holdings, Inc (FCFS) offers the better valuation at 30. 3x trailing P/E (21. 1x forward), making it the more compelling value choice. Analysts rate Bitcoin Depot Inc. (BTM) a "Buy" — based on 2 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

Over the past 5 years, FirstCash Holdings, Inc (FCFS) delivered a total return of +206.

7%, compared to -92. 4% for Bitcoin Depot Inc. (BTM). Over 10 years, the gap is even starker: FCFS returned +403. 7% versus BTM's -92. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), FirstCash Holdings, Inc (FCFS) is the lower-risk stock at 0.

32β versus Bitcoin Depot Inc. 's 2. 91β — meaning BTM is approximately 817% more volatile than FCFS relative to the S&P 500. On balance sheet safety, FirstCash Holdings, Inc (FCFS) carries a lower debt/equity ratio of 124% versus 6% for Bitcoin Depot Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), FirstCash Holdings, Inc (FCFS) is pulling ahead at 8.

0% versus 7. 2% for Bitcoin Depot Inc. (BTM). On earnings-per-share growth, the picture is similar: FirstCash Holdings, Inc grew EPS 29. 5% year-over-year, compared to -44. 6% for Bitcoin Depot Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

FirstCash Holdings, Inc (FCFS) is the more profitable company, earning 9.

0% net margin versus -0. 9% for Bitcoin Depot Inc. — meaning it keeps 9. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FCFS leads at 15. 4% versus 6. 7% for BTM. At the gross margin level — before operating expenses — FCFS leads at 51. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

Analyst consensus price targets imply the most upside for BTM: 458.

8% to $29. 17.

In this comparison, FCFS (0.

7% yield) pays a dividend. BTM does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, FirstCash Holdings, Inc (FCFS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

32), 0. 7% yield, +403. 7% 10Y return). Bitcoin Depot Inc. (BTM) carries a higher beta of 2. 91 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (FCFS: +403. 7%, BTM: -92. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

FCFS pays a dividend while BTM does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.