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FirstCash Holdings, Inc. (FCFS) vs PayPal Holdings, Inc. (PYPL)

FirstCash Holdings, Inc. and PayPal Holdings, Inc. are both Credit Services companies. PayPal Holdings, Inc. is the larger, with a market value of $49.0B against $8.0B — 6.1× the size. PayPal Holdings, Inc. trades at the lower P/E: 11.2× against 20.4×. FirstCash Holdings, Inc. grew revenue faster over the last twelve months: 22.9% against 4.36%. PayPal Holdings, Inc. has the higher net margin (13.8% vs 9.48%) and the higher return on invested capital (16.1% vs 9.40%). Both pay a dividend; PayPal Holdings, Inc. yields more (0.95% vs 0.89%). Across the 21 metrics below, PayPal Holdings, Inc. leads on 15 and FirstCash Holdings, Inc. on 6.

Valuation

Metric FCFS PYPL Credit Services median
P/E 20.38 11.16 8.96
P/S 1.89 1.46 1.00
P/B 3.56 2.57 1.23
Price to free cash flow 15.63 7.92 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 4.91% 8.96% 7.17%
Free cash flow yield 6.40% 12.62% 11.75%

Profitability

Metric FCFS PYPL Credit Services median
Gross margin 50.20% 40.55% 76.61%
Operating margin 15.85% 16.99% 0.34%
Net margin 9.48% 13.78% 8.35%
Free cash flow margin 12.09% 18.43% 8.73%
Return on equity 18.18% 23.83% 9.05%
Return on assets 7.57% 5.86% 1.94%
Return on invested capital 9.40% 16.06% 4.56%

Growth

Metric FCFS PYPL Credit Services median
Revenue growth (TTM) 22.93% 4.36% 4.49%
EPS growth (last fiscal year) 29.49% 35.59% 21.94%
Revenue growth, 5-year CAGR 17.55% 9.11% 9.22%
Net income growth, 5-year CAGR 25.39% 4.49% 0.00%

Health

Metric FCFS PYPL Credit Services median
Debt to equity 1.08 0.69 0.69
Current ratio 4.81 1.26 1.26
Net debt to EBITDA 2.28 (0.06) 0.11

Dividend

Metric FCFS PYPL Credit Services median
Dividend yield 0.89% 0.95% 1.64%
Payout ratio 0.18 0.11 0.21

Size

Metric FCFS PYPL Credit Services median
Market cap 8.04b 48.98b 759.73m

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