Compare $FCFS vs $SOFI | Chartloom

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$FCFS vs $SOFI

Firstcash Holdings Inc · SoFi Technologies Inc

FCFS

Firstcash Holdings Inc

SOFI

SoFi Technologies Inc

Compare $FCFS vs $SOFI

Comparing Firstcash Holdings Inc and SoFi Technologies Inc

FCFSFirstcash Holdings Inc

SOFISoFi Technologies Inc

FCFSFirstcash Holdings Inc

Market cap

$9.27B

P/E (TTM)

24.24x

Forward P/E (NTM)

17.48x

Forward P/S (NTM)

2.02x

Rev growth (TTM)

21.6%

YTD performance

36.3%

52W performance

37.1%

FCF yield

5.7%

SOFISoFi Technologies Inc

Market cap

$20.39B

P/E (TTM)

33.57x

Forward P/E (NTM)

21.26x

Forward P/S (NTM)

3.70x

Rev growth (TTM)

49.1%

YTD performance

-42.5%

52W performance

-43.6%

FCF yield

-43.2%

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Relative performance

Each ticker starts at 100. 110 means +10% from the start of this window — not a $110 share price.

FCFS

SOFI

Detailed metrics comparison

FCFS

Firstcash Holdings Inc

SOFI

SoFi Technologies Inc

Market Cap

FCFS$9.27B

SOFI$20.39B

Enterprise Value

FCFS$11.44B

SOFI$23.69B

Price

FCFS$213.70

SOFI$15.80

P/E Ratio

FCFS24.24x

SOFI33.57x

P/S Ratio

FCFS2.25x

SOFI4.47x

EV/Sales

FCFS2.78x

SOFI5.20x

EV/EBITDA

FCFS14.20x

SOFI23.67x

P/B Ratio

FCFS3.93x

SOFI1.84x

P/FCF Ratio

FCFS17.42x

SOFIN/A

EV/FCF

FCFS21.51x

SOFI-2.69x

PEG Ratio

FCFS0.68x

SOFI0.93x

Forward P/E (NTM)

FCFS17.48x

SOFI21.26x

Forward P/S (NTM)

FCFS2.02x

SOFI3.70x

Revenue (TTM)

FCFS$4.12B

SOFI$4.56B

Revenue Growth (YoY)

FCFS21.6%

SOFI49.1%

Forward Rev Growth

FCFS9.5%

SOFI23.8%

Gross Margin (TTM)

FCFS50.5%

SOFI0.0%

Operating Margin (TTM)

FCFS16.1%

SOFI0.0%

EBITDA Margin (TTM)

FCFS19.6%

SOFI21.9%

Net Margin (TTM)

FCFS9.4%

SOFI14.0%

FCF Margin (TTM)

FCFS12.9%

SOFI-193.0%

Net Income (TTM)

FCFS$388M

SOFI$636M

FCF (TTM)

FCFS$532M

SOFI$-8.80B

EPS (TTM)

FCFS$8.81

SOFI$0.47

ROE (TTM)

FCFS17.1%

SOFI6.2%

ROA (TTM)

FCFS7.3%

SOFI1.2%

ROIC (TTM)

FCFS8.6%

SOFI5.0%

Cash

FCFS$172M

SOFI$0

Debt

FCFS$2.35B

SOFI$3.30B

Net Cash/Debt

FCFS$-2.17B

SOFI$-3.30B

Current Ratio (TTM)

FCFS4.89x

SOFI0.00x

Quick Ratio (TTM)

FCFS3.40x

SOFI0.00x

Debt/Equity (TTM)

FCFS1.01x

SOFI0.30x

Debt/Assets (TTM)

FCFS0.0%

SOFI0.0%

Interest Coverage (TTM)

FCFSN/A

SOFIN/A

Net Debt/EBITDA (TTM)

FCFS0.00x

SOFI0.00x

Beta

FCFS0.53

SOFI2.29

52W Performance

FCFS37.1%

SOFI-43.6%

YTD Performance

FCFS36.3%

SOFI-42.5%

% from 52W High

FCFS-10.6%

SOFI-51.7%

% from 52W Low

FCFS45.6%

SOFI6.2%

Asset Turnover (TTM)

FCFS0.77x

SOFI0.00x

FCF Yield (TTM)

FCFS5.7%

SOFI-43.2%

Earnings Yield (TTM)

FCFS4.2%

SOFI3.1%

Dividend Yield (TTM)

FCFS0.8%

SOFIN/A

Rule of 40

FCFS34.5

SOFI-143.9

EV/GP/RG

FCFS0.48

SOFIN/A

Ticker research

View FCFS research View SOFI research

Metric	FCFS Firstcash Holdings Inc	SOFI SoFi Technologies Inc
Market & Valuation
Market Cap	$9.27B	$20.39B
Enterprise Value	$11.44B	$23.69B
Price	$213.70	$15.80
P/E Ratio	24.24x	33.57x
P/S Ratio	2.25x	4.47x
EV/Sales	2.78x	5.20x
EV/EBITDA	14.20x	23.67x
P/B Ratio	3.93x	1.84x
P/FCF Ratio	17.42x	N/A
EV/FCF	21.51x	-2.69x
PEG Ratio	0.68x	0.93x
Forward P/E (NTM)	17.48x	21.26x
Forward P/S (NTM)	2.02x	3.70x
Revenue & Growth
Revenue (TTM)	$4.12B	$4.56B
Revenue Growth (YoY)	21.6%	49.1%
Forward Rev Growth	9.5%	23.8%
Profitability
Gross Margin (TTM)	50.5%	0.0%
Operating Margin (TTM)	16.1%	0.0%
EBITDA Margin (TTM)	19.6%	21.9%
Net Margin (TTM)	9.4%	14.0%
FCF Margin (TTM)	12.9%	-193.0%
Net Income (TTM)	$388M	$636M
FCF (TTM)	$532M	$-8.80B
EPS (TTM)	$8.81	$0.47
ROE (TTM)	17.1%	6.2%
ROA (TTM)	7.3%	1.2%
ROIC (TTM)	8.6%	5.0%
Financial Health
Cash	$172M	$0
Debt	$2.35B	$3.30B
Net Cash/Debt	$-2.17B	$-3.30B
Current Ratio (TTM)	4.89x	0.00x
Quick Ratio (TTM)	3.40x	0.00x
Debt/Equity (TTM)	1.01x	0.30x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	0.53	2.29
52W Performance	37.1%	-43.6%
YTD Performance	36.3%	-42.5%
% from 52W High	-10.6%	-51.7%
% from 52W Low	45.6%	6.2%
Efficiency & Yields
Asset Turnover (TTM)	0.77x	0.00x
FCF Yield (TTM)	5.7%	-43.2%
Earnings Yield (TTM)	4.2%	3.1%
Dividend Yield (TTM)	0.8%	N/A
Other
Rule of 40	34.5	-143.9
EV/GP/RG	0.48	N/A
Ticker research	View FCFS research	View SOFI research

Valuation

P/E Ratio

FCFS

24.24x

SOFI

33.57x

P/S Ratio

FCFS

2.25x

SOFI

4.47x

EV/FCF

SOFI

-2.69x

FCFS

21.51x

Growth & revenue

Revenue Growth TTM

SOFI

49.1%

FCFS

21.6%

Forward Revenue Growth

SOFI

23.8%

FCFS

9.5%

Profitability & performance

Gross Margin

FCFS

50.5%

SOFI

0.0%

ROE

FCFS

17.1%

SOFI

6.2%

FCF Yield %

FCFS

5.7%

SOFI

-43.2%

52-Week Performance

FCFS

37.1%

SOFI

-43.6%

Detailed metrics comparison

FCFS

Firstcash Holdings Inc

SOFI

SoFi Technologies Inc

Market Cap

FCFS$9.27B

SOFI$20.39B

Enterprise Value

FCFS$11.44B

SOFI$23.69B

Price

FCFS$213.70

SOFI$15.80

P/E Ratio

FCFS24.24x

SOFI33.57x

P/S Ratio

FCFS2.25x

SOFI4.47x

EV/Sales

FCFS2.78x

SOFI5.20x

EV/EBITDA

FCFS14.20x

SOFI23.67x

P/B Ratio

FCFS3.93x

SOFI1.84x

P/FCF Ratio

FCFS17.42x

SOFIN/A

EV/FCF

FCFS21.51x

SOFI-2.69x

PEG Ratio

FCFS0.68x

SOFI0.93x

Forward P/E (NTM)

FCFS17.48x

SOFI21.26x

Forward P/S (NTM)

FCFS2.02x

SOFI3.70x

Revenue (TTM)

FCFS$4.12B

SOFI$4.56B

Revenue Growth (YoY)

FCFS21.6%

SOFI49.1%

Forward Rev Growth

FCFS9.5%

SOFI23.8%

Gross Margin (TTM)

FCFS50.5%

SOFI0.0%

Operating Margin (TTM)

FCFS16.1%

SOFI0.0%

EBITDA Margin (TTM)

FCFS19.6%

SOFI21.9%

Net Margin (TTM)

FCFS9.4%

SOFI14.0%

FCF Margin (TTM)

FCFS12.9%

SOFI-193.0%

Net Income (TTM)

FCFS$388M

SOFI$636M

FCF (TTM)

FCFS$532M

SOFI$-8.80B

EPS (TTM)

FCFS$8.81

SOFI$0.47

ROE (TTM)

FCFS17.1%

SOFI6.2%

ROA (TTM)

FCFS7.3%

SOFI1.2%

ROIC (TTM)

FCFS8.6%

SOFI5.0%

Cash

FCFS$172M

SOFI$0

Debt

FCFS$2.35B

SOFI$3.30B

Net Cash/Debt

FCFS$-2.17B

SOFI$-3.30B

Current Ratio (TTM)

FCFS4.89x

SOFI0.00x

Quick Ratio (TTM)

FCFS3.40x

SOFI0.00x

Debt/Equity (TTM)

FCFS1.01x

SOFI0.30x

Debt/Assets (TTM)

FCFS0.0%

SOFI0.0%

Interest Coverage (TTM)

FCFSN/A

SOFIN/A

Net Debt/EBITDA (TTM)

FCFS0.00x

SOFI0.00x

Beta

FCFS0.53

SOFI2.29

52W Performance

FCFS37.1%

SOFI-43.6%

YTD Performance

FCFS36.3%

SOFI-42.5%

% from 52W High

FCFS-10.6%

SOFI-51.7%

% from 52W Low

FCFS45.6%

SOFI6.2%

Asset Turnover (TTM)

FCFS0.77x

SOFI0.00x

FCF Yield (TTM)

FCFS5.7%

SOFI-43.2%

Earnings Yield (TTM)

FCFS4.2%

SOFI3.1%

Dividend Yield (TTM)

FCFS0.8%

SOFIN/A

Rule of 40

FCFS34.5

SOFI-143.9

EV/GP/RG

FCFS0.48

SOFIN/A

Ticker research

View FCFS research View SOFI research

Metric	FCFS Firstcash Holdings Inc	SOFI SoFi Technologies Inc
Market & Valuation
Market Cap	$9.27B	$20.39B
Enterprise Value	$11.44B	$23.69B
Price	$213.70	$15.80
P/E Ratio	24.24x	33.57x
P/S Ratio	2.25x	4.47x
EV/Sales	2.78x	5.20x
EV/EBITDA	14.20x	23.67x
P/B Ratio	3.93x	1.84x
P/FCF Ratio	17.42x	N/A
EV/FCF	21.51x	-2.69x
PEG Ratio	0.68x	0.93x
Forward P/E (NTM)	17.48x	21.26x
Forward P/S (NTM)	2.02x	3.70x
Revenue & Growth
Revenue (TTM)	$4.12B	$4.56B
Revenue Growth (YoY)	21.6%	49.1%
Forward Rev Growth	9.5%	23.8%
Profitability
Gross Margin (TTM)	50.5%	0.0%
Operating Margin (TTM)	16.1%	0.0%
EBITDA Margin (TTM)	19.6%	21.9%
Net Margin (TTM)	9.4%	14.0%
FCF Margin (TTM)	12.9%	-193.0%
Net Income (TTM)	$388M	$636M
FCF (TTM)	$532M	$-8.80B
EPS (TTM)	$8.81	$0.47
ROE (TTM)	17.1%	6.2%
ROA (TTM)	7.3%	1.2%
ROIC (TTM)	8.6%	5.0%
Financial Health
Cash	$172M	$0
Debt	$2.35B	$3.30B
Net Cash/Debt	$-2.17B	$-3.30B
Current Ratio (TTM)	4.89x	0.00x
Quick Ratio (TTM)	3.40x	0.00x
Debt/Equity (TTM)	1.01x	0.30x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	0.53	2.29
52W Performance	37.1%	-43.6%
YTD Performance	36.3%	-42.5%
% from 52W High	-10.6%	-51.7%
% from 52W Low	45.6%	6.2%
Efficiency & Yields
Asset Turnover (TTM)	0.77x	0.00x
FCF Yield (TTM)	5.7%	-43.2%
Earnings Yield (TTM)	4.2%	3.1%
Dividend Yield (TTM)	0.8%	N/A
Other
Rule of 40	34.5	-143.9
EV/GP/RG	0.48	N/A
Ticker research	View FCFS research	View SOFI research