FirstCash (NYSE: FCFS) is one of 26 public companies in the “Consumer Lending” industry, but how does it weigh in compared to its peers? We will compare FirstCash to similar companies based on the strength of its dividends, institutional ownership, profitability, analyst recommendations, earnings, valuation and risk.

Analyst Ratings

This is a summary of recent ratings and recommmendations for FirstCash and its peers, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FirstCash 0 2 5 0 2.71
FirstCash Competitors 172 698 1095 55 2.51

FirstCash presently has a consensus price target of $64.00, indicating a potential downside of 5.40%. As a group, “Consumer Lending” companies have a potential upside of 27.52%. Given FirstCash’s peers higher probable upside, analysts plainly believe FirstCash has less favorable growth aspects than its peers.

Insider & Institutional Ownership

95.7% of FirstCash shares are held by institutional investors. Comparatively, 78.7% of shares of all “Consumer Lending” companies are held by institutional investors. 2.8% of FirstCash shares are held by company insiders. Comparatively, 14.1% of shares of all “Consumer Lending” companies are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Volatility & Risk

FirstCash has a beta of 0.79, indicating that its stock price is 21% less volatile than the S&P 500. Comparatively, FirstCash’s peers have a beta of 1.44, indicating that their average stock price is 44% more volatile than the S&P 500.

Profitability

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

Net Margins Return on Equity Return on Assets
FirstCash 6.41% 8.45% 5.91%
FirstCash Competitors -128.48% -84.29% -0.75%

Dividends

FirstCash pays an annual dividend of $0.80 per share and has a dividend yield of 1.2%. FirstCash pays out 34.2% of its earnings in the form of a dividend. As a group, “Consumer Lending” companies pay a dividend yield of 1.8% and pay out 29.6% of their earnings in the form of a dividend. FirstCash lags its peers as a dividend stock, given its lower dividend yield and higher payout ratio.

Valuation & Earnings

This table compares FirstCash and its peers gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
FirstCash $1.09 billion $60.12 million 28.91
FirstCash Competitors $2.77 billion $388.84 million 72.10

FirstCash’s peers have higher revenue and earnings than FirstCash. FirstCash is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Summary

FirstCash peers beat FirstCash on 9 of the 15 factors compared.

FirstCash Company Profile

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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