AGNC Investment vs FirstCash
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KIRAβs take AI analyst
I put AGNC Investment and FirstCash side by side, using each oneβs latest annual report. Here is what stands out:
- FirstCash is the larger business, with $3.7B of revenue in fiscal 2025 against $3.5B for AGNC Investment.
- AGNC Investment grew revenue faster (19.5%, against 8.0%).
- Investors pay more for each dollar of FirstCashβs earnings: a P/E of 20.0x against 4.5x for AGNC Investment.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
AGNC Investment
AGNC
3/5
Revenue growth5-year growthNet margin
FirstCash
FCFS
2/5
Return on equityShare count change
Side by side
Best in the row
| Latest fiscal year | AGNC FY25 | FCFS FY25 |
|---|---|---|
| Size | ||
| Market cap | $10.2B | $7.7B |
| Revenue | $3.5B | $3.7B |
| Free cash flow | β | $531M |
| Net income | $1.7B | $330M |
| Growth | ||
| Revenue growth | 19.5% | 8.0% |
| 5-year growth | 18.3% | 17.6% |
| Share count change | 30.2% | β1.4% |
| Profitability | ||
| Gross margin | β | 50.3% |
| Operating margin | β | β |
| Net margin | 47.4% | 9.0% |
| FCF margin | β | 14.5% |
| Return on capital | β | 10.7% |
| Return on equity | 15.1% | 15.3% |
| Balance sheet | ||
| Net debt | β | $2.1B |
| Net debt / EBITDA | β | 3.3x |
| Dividends and buybacks | $1.6B | $187M |
| Valuation & quality | ||
| P/E | 4.5x | 20.0x |
| Piotroski F-score | β | 8 |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
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.