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FirstCash Holdings, Inc. (FCFS) vs Nelnet, Inc. (NNI)

FirstCash Holdings, Inc. and Nelnet, Inc. are both Credit Services companies. FirstCash Holdings, Inc. is the larger, with a market value of $8.0B against $4.5B — 1.8× the size. Nelnet, Inc. trades at the lower P/E: 16.8× against 20.4×. FirstCash Holdings, Inc. grew revenue faster over the last twelve months: 22.9% against −6.25%. FirstCash Holdings, Inc. has the higher net margin (9.48% vs 0.00%) and the higher return on invested capital (9.40% vs 0.00%). Both pay a dividend; Nelnet, Inc. yields more (1.04% vs 0.89%). Across the 21 metrics below, FirstCash Holdings, Inc. leads on 12 and Nelnet, Inc. on 9.

Valuation

Metric FCFS NNI Credit Services median
P/E 20.38 16.82 8.96
P/S 1.89 2.16 1.00
P/B 3.56 1.26 1.23
Price to free cash flow 15.63 12.33 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 4.91% 5.94% 7.17%
Free cash flow yield 6.40% 8.11% 11.75%

Profitability

Metric FCFS NNI Credit Services median
Gross margin 50.20% 78.28% 76.61%
Operating margin 15.85% 0.00% 0.34%
Net margin 9.48% 0.00% 8.35%
Free cash flow margin 12.09% 0.00% 8.73%
Return on equity 18.18% 7.55% 9.05%
Return on assets 7.57% 1.94% 1.94%
Return on invested capital 9.40% 0.00% 4.56%

Growth

Metric FCFS NNI Credit Services median
Revenue growth (TTM) 22.93% (6.25%) 4.49%
EPS growth (last fiscal year) 29.49% 134.86% 21.94%
Revenue growth, 5-year CAGR 17.55% 5.45% 9.22%
Net income growth, 5-year CAGR 25.39% 3.98% 0.00%

Health

Metric FCFS NNI Credit Services median
Debt to equity 1.08 1.87 0.69
Current ratio 4.81 0.00 1.26
Net debt to EBITDA 2.28 0.00 0.11

Dividend

Metric FCFS NNI Credit Services median
Dividend yield 0.89% 1.04% 1.64%
Payout ratio 0.18 0.17 0.21

Size

Metric FCFS NNI Credit Services median
Market cap 8.04b 4.54b 759.73m

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