FCFS vs UPBD
FCFS: FirstCash operates a diversified financial services and retail platform combining pawnshops, lease-to-own, consumer finance, and point-of-sale payment solutions across the US, Latin America, and the UK. UPBD: Technology-enabled lease-to-own platform serving underserved consumers through direct and third-party retailer channels, augmented with financial health and earned wage access services.
Side-by-side fundamentals
| Metric | FCFS | UPBD | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $208.74 | $21.42 | |
| Market cap as of 2026-07-23 | $9.2B | $1.3B | |
| P/E as of 2026-07-23 | 25.81 | 15.02 | UPBD lower |
| PEG as of 2026-07-23 | 0.95 | n/a | |
| Net margin as of 2026-07-23 | +9.2% | +1.8% | FCFS higher |
| Gross margin as of 2026-07-23 | +50.5% | +48.7% | FCFS higher |
| Operating margin as of 2026-07-23 | +15.7% | +5.0% | FCFS higher |
| ROE as of 2026-07-23 | +15.9% | +12.1% | FCFS higher |
| ROA as of 2026-07-23 | +7.0% | +2.6% | FCFS higher |
| Debt / equity as of 2026-07-23 | 0.98 | 2.01 | FCFS lower |
| Revenue growth (YoY) as of 2026-07-23 | +14.4% | +7.7% | FCFS higher |
| Revenue CAGR (3y) SEC XBRL | +10.3% | +3.4% | FCFS higher |
| Dividend yield as of 2026-07-23 | +0.8% | +7.3% | UPBD higher |
| Dividend streak (yrs) SEC XBRL | 5 | 3 | FCFS higher |
| Beta as of 2026-07-23 | 0.53 | 1.80 | |
| 1-year return as of 2026-07-22 close | +56.4% | -11.7% | FCFS higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.