FirstCash Holdings, Inc. (FCFS) vs SoFi Technologies, Inc. (SOFI)
FirstCash Holdings, Inc. and SoFi Technologies, Inc. are both Credit Services companies. SoFi Technologies, Inc. is the larger, with a market value of $21.8B against $9.4B — 2.3× the size. FirstCash Holdings, Inc. trades at the lower P/E: 24.8× against 32.5×. SoFi Technologies, Inc. grew revenue faster over the last twelve months: 34.1% against 21.6%. SoFi Technologies, Inc. has the higher net margin (11.4% vs 9.42%) and the lower return on invested capital (4.26% vs 8.97%). Across the 20 metrics below, FirstCash Holdings, Inc. leads on 13 and SoFi Technologies, Inc. on 7.
Valuation
Profitability
| Metric | FCFS | SOFI | Credit Services median |
|---|---|---|---|
| Gross margin | 50.47% | 77.13% | 77.13% |
| Operating margin | 15.66% | 0.00% | 0.34% |
| Net margin | 9.42% | 11.39% | 9.25% |
| Free cash flow margin | 12.91% | (157.63%) | 13.03% |
| Return on equity | 17.40% | 7.09% | 8.49% |
| Return on assets | 7.76% | 1.25% | 2.29% |
| Return on invested capital | 8.97% | 4.26% | 4.09% |
Growth
Health
Dividend
Size
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