Firstcash Holdings vs Upbound Group
Upbound Group is the larger business, with $4.70bn of revenue in fiscal 2025 against $3.66bn for Firstcash Holdings (1.3 times as much). Upbound Group grew faster (8.7% against 8.0%). Firstcash Holdings kept more of each dollar of sales as profit: a net margin of 9.0% against 1.6%. Firstcash Holdings carries less debt relative to equity (97.0% against 163.4%).
| Latest fiscal year | Firstcash HoldingsFCFS, 2025 | Upbound GroupUPBD, 2025 |
|---|---|---|
| Revenue | $3.66bn | $4.70bn |
| Revenue growth | 8.0% | 8.7% |
| Net income | $330m | $73.2m |
| Operating margin | — | 4.8% |
| Net margin | 9.0% | 1.6% |
| Return on equity | 15.3% | 11.1% |
| Free cash flow | $531m | $239m |
| Cash | $125m | $121m |
| Total debt | $2.21bn | $1.14bn |
| Debt to equity | 97.0% | 163.4% |
| Dividend per share | $1.60 | $1.56 |
| Dividend yield | — | 6.8% |
| Share buybacks | $116m | $0 |
| Employees | 8,300 | — |
| Market value | $8.44bn | $1.31bn |
| Price vs our value range | — | Below our value range |
| Moat score | 59 (Moderate) | 42 (Weak) |
| Insider trades, 12 months | 0 buys, 29 sales | 8 buys, 1 sales |