FCFS
FirstCash Holdings, Inc
Financial - Credit Services
Market Cap$9.99B
5Y Perf.+224.5%
Compare Stocks
2 / 10Try these comparisons:
Stock Comparison
FCFS vs V
Revenue, margins, valuation, and 5-year total return — side by side.
V
Visa Inc.
Financial - Credit Services
Market Cap$611.60B
5Y Perf.+63.3%
FCFS vs V — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | FCFS | V |
|---|---|---|
| Industry | Financial - Credit Services | Financial - Credit Services |
| Market Cap | $9.99B | $611.60B |
| Revenue (TTM) | $3.66B | $40.00B |
| Net Income (TTM) | $354M | $22.24B |
| Gross Margin | 51.7% | 80.4% |
| Operating Margin | 15.4% | 60.0% |
| Forward P/E | 21.0x | 24.4x |
| Total Debt | $2.82B | $25.17B |
| Cash & Equiv. | $125M | $20.15B |
FCFS vs V — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
FCFS
V
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| FirstCash Holdings,… (FCFS) | 100 | 324.5 | +224.5% |
| Visa Inc. (V) | 100 | 163.3 | +63.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: FCFS vs V
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: V leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. FirstCash Holdings, Inc is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
FCFS
FirstCash Holdings, Inc
The Banking Pick
FCFS is the clearest fit if your priority is long-term compounding and sleep-well-at-night.
- 401.1% 10Y total return vs V's 328.6%
- Lower volatility, beta 0.31, current ratio 4.55x
- PEG 0.89 vs V's 1.54
Best for: long-term compounding and sleep-well-at-night
V
Visa Inc.
The Banking Pick
V carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 15 yrs, beta 0.68, yield 0.7%
- Rev growth 11.3%, EPS growth 4.8%
- 11.3% NII/revenue growth vs FCFS's 8.0%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | V | 11.3% NII/revenue growth vs FCFS's 8.0% |
| Value | FCFS | Lower P/E (21.0x vs 24.4x), PEG 0.89 vs 1.54 |
| Quality / Margins | V | Efficiency ratio 0.2% vs FCFS's 0.4% (lower = leaner) |
| Stability / Safety | FCFS | Beta 0.31 vs V's 0.68 |
| Dividends | V | 0.7% yield, 15-year raise streak, vs FCFS's 0.7% |
| Momentum (1Y) | FCFS | +69.9% vs V's -7.6% |
| Efficiency (ROA) | V | Efficiency ratio 0.2% vs FCFS's 0.4% |
FCFS vs V — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
FCFS vs V — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLFCFSLAGGINGV
VVisa Inc.
3leads
FCFSFirstCash Holdings, I…
3leads
6 Total Categories
CATEGORYLEADERvs VMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
V5/5
Valuation MetricsMultiples, price ratios, and targets
FCFS7/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
V6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
FCFS6/6
Risk & VolatilityBeta, volatility, and downside exposure
FCFS2/2
Analyst OutlookRatings, price targets, and dividends
V2/2
Income & Cash Flow (Last 12 Months)
V leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
V is the larger business by revenue, generating $40.0B annually — 10.9x FCFS's $3.7B. V is the more profitable business, keeping 50.1% of every revenue dollar as net income compared to FCFS's 9.0%.
| Metric | FCFSFirstCash Holding… | VVisa Inc. |
|---|---|---|
| RevenueTrailing 12 months | $3.7B | $40.0B |
| EBITDAEarnings before interest/tax | $950M | $27.6B |
| Net IncomeAfter-tax profit | $354M | $22.2B |
| Free Cash FlowCash after capex | $553M | $21.2B |
| Gross MarginGross profit ÷ Revenue | +51.7% | +80.4% |
| Operating MarginEBIT ÷ Revenue | +15.4% | +60.0% |
| Net MarginNet income ÷ Revenue | +9.0% | +50.1% |
| FCF MarginFCF ÷ Revenue | +12.8% | +53.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +29.9% | +35.3% |
V leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
FCFS leads this category, winning 7 of 7 comparable metrics.
Valuation Metrics
At 30.5x trailing earnings, FCFS trades at a 2% valuation discount to V's 31.3x P/E. Adjusting for growth (PEG ratio), FCFS offers better value at 1.29x vs V's 1.97x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | FCFSFirstCash Holding… | VVisa Inc. |
|---|---|---|
| Market CapShares × price | $10.0B | $611.6B |
| Enterprise ValueMkt cap + debt − cash | $12.7B | $616.6B |
| Trailing P/EPrice ÷ TTM EPS | 30.51x | 31.25x |
| Forward P/EPrice ÷ next-FY EPS est. | 21.03x | 24.40x |
| PEG RatioP/E ÷ EPS growth rate | 1.29x | 1.97x |
| EV / EBITDAEnterprise value multiple | 12.77x | 24.46x |
| Price / SalesMarket cap ÷ Revenue | 2.73x | 15.29x |
| Price / BookPrice ÷ Book value/share | 4.43x | 16.53x |
| Price / FCFMarket cap ÷ FCF | 21.30x | 28.35x |
FCFS leads this category, winning 7 of 7 comparable metrics.
Profitability & Efficiency
V leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
V delivers a 58.9% return on equity — every $100 of shareholder capital generates $59 in annual profit, vs $16 for FCFS. V carries lower financial leverage with a 0.66x debt-to-equity ratio, signaling a more conservative balance sheet compared to FCFS's 1.24x. On the Piotroski fundamental quality scale (0–9), FCFS scores 7/9 vs V's 5/9, reflecting strong financial health.
| Metric | FCFSFirstCash Holding… | VVisa Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +15.9% | +58.9% |
| ROA (TTM)Return on assets | +7.0% | +22.7% |
| ROICReturn on invested capital | +9.2% | +29.2% |
| ROCEReturn on capital employed | +12.5% | +36.2% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 5 |
| Debt / EquityFinancial leverage | 1.24x | 0.66x |
| Net DebtTotal debt minus cash | $2.7B | $5.0B |
| Cash & Equiv.Liquid assets | $125M | $20.2B |
| Total DebtShort + long-term debt | $2.8B | $25.2B |
| Interest CoverageEBIT ÷ Interest expense | 4.72x | 26.72x |
V leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
FCFS leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FCFS five years ago would be worth $31,559 today (with dividends reinvested), compared to $14,202 for V. Over the past 12 months, FCFS leads with a +69.9% total return vs V's -7.6%. The 3-year compound annual growth rate (CAGR) favors FCFS at 30.6% vs V's 11.9% — a key indicator of consistent wealth creation.
| Metric | FCFSFirstCash Holding… | VVisa Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +44.7% | -7.8% |
| 1-Year ReturnPast 12 months | +69.9% | -7.6% |
| 3-Year ReturnCumulative with dividends | +122.6% | +40.2% |
| 5-Year ReturnCumulative with dividends | +215.6% | +42.0% |
| 10-Year ReturnCumulative with dividends | +401.1% | +328.6% |
| CAGR (3Y)Annualised 3-year return | +30.6% | +11.9% |
FCFS leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
FCFS leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
FCFS is the less volatile stock with a 0.31 beta — it tends to amplify market swings less than V's 0.68 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. FCFS currently trades 99.5% from its 52-week high vs V's 84.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | FCFSFirstCash Holding… | VVisa Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.31x | 0.68x |
| 52-Week HighHighest price in past year | $227.42 | $375.51 |
| 52-Week LowLowest price in past year | $119.21 | $293.89 |
| % of 52W HighCurrent price vs 52-week peak | +99.5% | +84.9% |
| RSI (14)Momentum oscillator 0–100 | 72.4 | 56.8 |
| Avg Volume (50D)Average daily shares traded | 340K | 7.0M |
FCFS leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
V leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates FCFS as "Hold" and V as "Buy". Consensus price targets imply 13.7% upside for V (target: $362) vs 11.3% for FCFS (target: $252). For income investors, V offers the higher dividend yield at 0.74% vs FCFS's 0.70%.
| Metric | FCFSFirstCash Holding… | VVisa Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $252.00 | $362.45 |
| # AnalystsCovering analysts | 19 | 61 |
| Dividend YieldAnnual dividend ÷ price | +0.7% | +0.7% |
| Dividend StreakConsecutive years of raises | 10 | 15 |
| Dividend / ShareAnnual DPS | $1.59 | $2.36 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.2% | +2.2% |
V leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
V leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). FCFS leads in 3 (Valuation Metrics, Total Returns).
Best OverallFirstCash Holdings, Inc (FCFS)Leads 3 of 6 categories
Loading custom metrics...
FCFS vs V: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is FCFS or V a better buy right now?
For growth investors, Visa Inc.
(V) is the stronger pick with 11. 3% revenue growth year-over-year, versus 8. 0% for FirstCash Holdings, Inc (FCFS). FirstCash Holdings, Inc (FCFS) offers the better valuation at 30. 5x trailing P/E (21. 0x forward), making it the more compelling value choice. Analysts rate Visa Inc. (V) a "Buy" — based on 61 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.
02Which has the better valuation — FCFS or V?
On trailing P/E, FirstCash Holdings, Inc (FCFS) is the cheapest at 30.
5x versus Visa Inc. at 31. 3x. On forward P/E, FirstCash Holdings, Inc is actually cheaper at 21. 0x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: FirstCash Holdings, Inc wins at 0. 89x versus Visa Inc. 's 1. 54x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — FCFS or V?
Over the past 5 years, FirstCash Holdings, Inc (FCFS) delivered a total return of +215.
6%, compared to +42. 0% for Visa Inc. (V). Over 10 years, the gap is even starker: FCFS returned +401. 1% versus V's +328. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — FCFS or V?
By beta (market sensitivity over 5 years), FirstCash Holdings, Inc (FCFS) is the lower-risk stock at 0.
31β versus Visa Inc. 's 0. 68β — meaning V is approximately 119% more volatile than FCFS relative to the S&P 500. On balance sheet safety, Visa Inc. (V) carries a lower debt/equity ratio of 66% versus 124% for FirstCash Holdings, Inc — giving it more financial flexibility in a downturn.
05Which is growing faster — FCFS or V?
By revenue growth (latest reported year), Visa Inc.
(V) is pulling ahead at 11. 3% versus 8. 0% for FirstCash Holdings, Inc (FCFS). On earnings-per-share growth, the picture is similar: FirstCash Holdings, Inc grew EPS 29. 5% year-over-year, compared to 4. 8% for Visa 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.
06Which has better profit margins — FCFS or V?
Visa Inc.
(V) is the more profitable company, earning 50. 1% net margin versus 9. 0% for FirstCash Holdings, Inc — meaning it keeps 50. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: V leads at 60. 0% versus 15. 4% for FCFS. At the gross margin level — before operating expenses — V leads at 80. 4%, 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.
07Is FCFS or V more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, FirstCash Holdings, Inc (FCFS) is the more undervalued stock at a PEG of 0. 89x versus Visa Inc. 's 1. 54x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, FirstCash Holdings, Inc (FCFS) trades at 21. 0x forward P/E versus 24. 4x for Visa Inc. — 3. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for V: 13. 7% to $362. 45.
08Which pays a better dividend — FCFS or V?
All stocks in this comparison pay dividends.
Visa Inc. (V) offers the highest yield at 0. 7%, versus 0. 7% for FirstCash Holdings, Inc (FCFS).
09Is FCFS or V better for a retirement portfolio?
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.
31), 0. 7% yield, +401. 1% 10Y return). Both have compounded well over 10 years (FCFS: +401. 1%, V: +328. 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.
10What are the main differences between FCFS and V?
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.
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.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform both.
Revenue Growth>
%
(FCFS: 8.0% · V: 11.3%)Net Margin>
%
(FCFS: 9.0% · V: 50.1%)P/E Ratio<
x
(FCFS: 30.5x · V: 31.3x)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.