FirstCash
FCFS · Consumer Finance
$172.75
6.5%Virtu Financial
VIRT · Investment Banking & Brokerage
$55.93
0.6%The short version
- FirstCash is the larger business, with $3.7B of revenue in fiscal 2025 against $3.6B for Virtu Financial.
- Virtu Financial grew revenue faster (26.3%, against 8.0%).
- FirstCash turned more of its sales into free cash flow (14.5% FCF margin, against 13.6% FCF margin).
- Virtu Financial earned a higher return on the capital invested in it (37.9%, against 10.7%).
- Investors pay more for each dollar of FirstCash’s earnings: a P/E of 19.7x against 9.3x for Virtu Financial.
| Latest fiscal year | FCFS · FY25 | VIRT · FY25 |
|---|---|---|
| Size | ||
| Market cap | $7.6B | $4.9B |
| Revenue | $3.7B | $3.6B |
| Free cash flow | $531M | $496M |
| Net income | $330M | $468M |
| Growth | ||
| Revenue growth | 8.0% | 26.3% |
| 5-year growth | 17.6% | 2.3% |
| Share count change | −1.4% | −2.9% |
| Profitability | ||
| Gross margin | 50.3% | — |
| Operating margin | — | — |
| Net margin | 9.0% | 12.9% |
| FCF margin | 14.5% | 13.6% |
| Return on capital | 10.7% | 37.9% |
| Return on equity | 15.3% | 33.0% |
| Balance sheet | ||
| Net debt | $2.1B | $1.0B |
| Net debt / EBITDA | 3.3x | 0.8x |
| Dividends and buybacks | $187M | $1.6M |
| Valuation & quality | ||
| P/E | 19.7x | 9.3x |
| Piotroski F-score | 8 | — |
FY16
FCFS $1.1B
VIRT $702M
FY17
FCFS $1.8B
VIRT $1.0B
FY18
FCFS $1.8B
VIRT $1.9B
FY19
FCFS $1.9B
VIRT $1.5B
FY20
FCFS $1.6B
VIRT $3.2B
FY21
FCFS $1.7B
VIRT $2.8B
FY22
FCFS $2.7B
VIRT $2.4B
FY23
FCFS $3.2B
VIRT $2.3B
FY24
FCFS $3.4B
VIRT $2.9B
FY25
FCFS $3.7B
VIRT $3.6B
FCFS
VIRT
FY16
FCFS —
VIRT —
FY17
FCFS —
VIRT —
FY18
FCFS —
VIRT —
FY19
FCFS —
VIRT —
FY20
FCFS —
VIRT —
FY21
FCFS —
VIRT —
FY22
FCFS —
VIRT —
FY23
FCFS —
VIRT —
FY24
FCFS —
VIRT —
FY25
FCFS —
VIRT —
FCFS
VIRT
FY16
FCFS $76.4M
VIRT $228M
FY17
FCFS $194M
VIRT $272M
FY18
FCFS $208M
VIRT $688M
FY19
FCFS $187M
VIRT $159M
FY20
FCFS $185M
VIRT $1.0B
FY21
FCFS $181M
VIRT $1.1B
FY22
FCFS $434M
VIRT $680M
FY23
FCFS $356M
VIRT $454M
FY24
FCFS $472M
VIRT $587M
FY25
FCFS $531M
VIRT $496M
FCFS
VIRT
FY16
FCFS 6.0%
VIRT 19.5%
FY17
FCFS 9.1%
VIRT 6.0%
FY18
FCFS 9.7%
VIRT 36.8%
FY19
FCFS 10.0%
VIRT 0.2%
FY20
FCFS 6.8%
VIRT 46.0%
FY21
FCFS 6.2%
VIRT 34.7%
FY22
FCFS 10.1%
VIRT 22.1%
FY23
FCFS 8.7%
VIRT 14.3%
FY24
FCFS 9.2%
VIRT 25.9%
FY25
FCFS 10.7%
VIRT 37.9%
FCFS
VIRT
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Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.