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FirstCash Holdings, Inc. (FCFS) vs Synchrony Financial (SYF)

FirstCash Holdings, Inc. and Synchrony Financial are both Credit Services companies. Synchrony Financial is the larger, with a market value of $24.1B against $9.4B — 2.6× the size. Synchrony Financial trades at the lower P/E: 7.5× against 24.6×. FirstCash Holdings, Inc. grew revenue faster over the last twelve months: 21.6% against 0.13%. Synchrony Financial has the higher net margin (14.8% vs 9.42%) and the higher return on invested capital (16.8% vs 8.97%). Both pay a dividend; Synchrony Financial yields more (1.68% vs 0.78%). Across the 21 metrics below, Synchrony Financial leads on 14 and FirstCash Holdings, Inc. on 7.

Valuation

Metric FCFS SYF Credit Services median
P/E 24.58 7.47 9.39
P/S 2.29 1.05 0.86
P/B 4.06 1.61 1.16
Price to free cash flow 17.73 2.52 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 4.07% 13.38% 6.55%
Free cash flow yield 5.64% 39.71% 12.26%

Profitability

Metric FCFS SYF Credit Services median
Gross margin 50.47% 83.05% 77.13%
Operating margin 15.66% 0.00% 0.34%
Net margin 9.42% 14.82% 9.25%
Free cash flow margin 12.91% 41.83% 12.91%
Return on equity 17.40% 22.23% 8.49%
Return on assets 7.76% 2.83% 2.16%
Return on invested capital 8.97% 16.83% 4.09%

Growth

Metric FCFS SYF Credit Services median
Revenue growth (TTM) 21.61% 0.13% 4.62%
EPS growth (last fiscal year) 29.49% 8.54% 21.94%
Revenue growth, 5-year CAGR 17.55% 7.02% 9.13%
Net income growth, 5-year CAGR 25.39% 20.90% 0.00%

Health

Metric FCFS SYF Credit Services median
Debt to equity 1.01 0.97 0.68
Current ratio 4.89 1.22 1.55
Net debt to EBITDA 2.28 0.00 0.13

Dividend

Metric FCFS SYF Credit Services median
Dividend yield 0.78% 1.68% 1.64%
Payout ratio 0.19 0.13 0.22

Size

Metric FCFS SYF Credit Services median
Market cap 9.40b 24.09b 751.08m

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