Firstcash Holdings vs SoFi Technologies
Firstcash Holdings and SoFi Technologies are similar in size: $3.66bn and $3.61bn of revenue in their latest fiscal years. SoFi Technologies grew faster (35.1% against 8.0%). SoFi Technologies kept more of each dollar of sales as profit: a net margin of 13.3% against 9.0%.
| Latest fiscal year | Firstcash HoldingsFCFS, 2025 | SoFi TechnologiesSOFI, 2025 |
|---|---|---|
| Revenue | $3.66bn | $3.61bn |
| Revenue growth | 8.0% | 35.1% |
| Net income | $330m | $481m |
| Operating margin | — | — |
| Net margin | 9.0% | 13.3% |
| Return on equity | 15.3% | 5.7% |
| Free cash flow | $531m | −$3.98bn |
| Cash | $125m | $4.93bn |
| Total debt | $2.21bn | $1.83bn |
| Debt to equity | 97.0% | — |
| Dividend per share | $1.60 | — |
| Dividend yield | — | — |
| Share buybacks | $116m | — |
| Employees | 8,300 | 6,100 |
| Market value | $8.44bn | $21.61bn |
| Price vs our value range | — | — |
| Moat score | 59 (Moderate) | 32 (Weak) |
| Insider trades, 12 months | 0 buys, 29 sales | 7 buys, 19 sales |