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Screener Weekly Summary Pricing

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 $45.0B against $9.4B — 4.8× the size. PayPal Holdings, Inc. trades at the lower P/E: 10.3× against 24.8×. FirstCash Holdings, Inc. grew revenue faster over the last twelve months: 21.6% against 5.69%. PayPal Holdings, Inc. has the higher net margin (14.4% vs 9.42%) and the higher return on invested capital (16.9% vs 8.97%). Across the 22 metrics below, PayPal Holdings, Inc. leads on 16 and FirstCash Holdings, Inc. on 6.

Valuation

Metric FCFS PYPL Credit Services median
P/E 24.82 10.33 9.64
P/S 2.31 1.41 0.87
P/B 4.10 2.44 1.16
Price to free cash flow 17.91 7.31 2.99
EV/EBITDA 11.72 7.34 9.58
EV/Sales 2.86 1.48 2.32
Earnings yield 4.03% 9.68% 6.72%
Free cash flow yield 5.58% 13.68% 12.33%

Profitability

Metric FCFS PYPL Credit Services median
Gross margin 50.47% 40.48% 77.13%
Operating margin 15.66% 17.42% 0.34%
Net margin 9.42% 14.36% 9.25%
Free cash flow margin 12.91% 19.35% 13.03%
Return on equity 17.40% 24.50% 8.49%
Return on assets 7.76% 6.03% 2.29%
Return on invested capital 8.97% 16.92% 4.09%

Growth

Metric FCFS PYPL Credit Services median
Revenue growth (TTM) 21.61% 5.69% 4.62%
EPS growth (last fiscal year) 29.49% 35.59% —
Revenue growth, 5-year CAGR 17.55% 9.11% 9.13%
Net income growth, 5-year CAGR 25.39% 4.49% 0.00%

Health

Metric FCFS PYPL Credit Services median
Debt to equity 1.01 0.68 0.68
Current ratio 4.89 1.29 1.55
Net debt to EBITDA 2.28 (0.06) 0.13

Dividend

Metric FCFS PYPL Credit Services median
Dividend yield 1.21% — 3.34%
Payout ratio 0.26 0.00 0.00

Size

Metric FCFS PYPL Credit Services median
Market cap 9.39b 45.03b 872.19m

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