FirstCash vs Upbound
FCFS and UPBD side by side. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FCFS and UPBD compare
FirstCash is the larger company, worth 5.4 times as much as Upbound ($7.9B against $1.5B).
On earnings, Upbound is cheaper: it trades at 13.3× trailing earnings, against 19.9× for FirstCash.
FirstCash grew revenue faster over the last twelve months (22.9% versus 3.2% for Upbound).
FirstCash keeps more of each dollar of sales as profit, with a net margin of 9.5% compared with 2.4% at Upbound.
Both pay dividends: FirstCash yields 0.91% and Upbound 6.2%.
FirstCash scores higher on the StockData Score (20 against 17 for Upbound), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FCFS | UPBD |
|---|---|---|
| Size and price | ||
| Market cap | $7.9B | $1.5B |
| Share price | $184.00 | $25.27 |
| Change, 1 year | 14.0% | 44.2% |
| Change, 5 years | 170% | −44.4% |
| Beta (5Y) | 0.44 | 1.30 |
| Employees | 22K | 15K |
| StockData Score | ||
| Total score | 20 (better) | 17 |
| Valuation score | 1 | 6 (better) |
| Growth score | 6 (better) | 3 |
| Performance score | 4 (better) | 3 |
| Health score | 6 (better) | 0 |
| Dividend score | 3 | 5 (better) |
| Valuation | ||
| P/E | 19.9× | 13.3× (better) |
| P/S | 1.8× | 0.3× (better) |
| P/B | 3.5× | 2.0× (better) |
| EV/EBITDA | – | 5.2× |
| P/FCF | – | 3.4× |
| PEG | 1.74 | 0.16 (better) |
| FCF yield | – | 29.4% |
| Fair value | $165.46 | $33.11 |
| Margin of safety | −11.2% | 23.7% (better) |
| Growth | ||
| Revenue growth (TTM) | 22.9% (better) | 3.2% |
| Revenue growth, 5Y average | 17.5% (better) | 10.8% |
| Net income growth (TTM) | 31.2% | 31.8% (better) |
| EPS growth (TTM) | 33.2% (better) | 31.0% |
| EPS growth, 5Y average | 23.7% (better) | −19.6% |
| Profitability | ||
| Gross margin | 50.2% (better) | 49.7% |
| Operating margin | – | 5.5% |
| Net margin | 9.5% (better) | 2.4% |
| FCF margin | – | 9.2% |
| Return on equity | 18.2% (better) | 15.5% |
| Return on invested capital | – | 30.6% |
| Financial health | ||
| Debt / equity | 0.00 | – |
| Interest coverage | – | 2.5× |
| Current ratio | 4.81 | – |
| Altman Z-score | 3.05 (better) | 2.69 |
| Piotroski F-score | 8 (better) | 6 |
| Dividends and buybacks | ||
| Dividend yield | 0.91% | 6.2% (better) |
| Payout ratio | 18.1% | 82.3% |
| Years of dividend growth | 10 (better) | 7 |
| Dividend growth, 5Y average | 8.2% (better) | 5.7% |
| Buyback yield | 3.5% | – |
| Shareholder yield | 4.4% | 6.2% (better) |
| Ownership | ||
| Held by institutions | 99.6% | 99.3% |
| Held by insiders | 26.4% | 3.1% |
| Insider net buying, 12 months | −$14.7M | $1.8M (better) |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 9.6% | 14.8% |
Go deeper
- FCFS stock overview
- FCFS income statement
- FCFS valuation and score
- UPBD stock overview
- UPBD income statement
- UPBD valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.