FirstCash Inc (FCFS)vsJPMorgan Chase & Co (JPM)
FCFS
FirstCash Inc
$228.38
+0.44%
FINANCIAL SERVICES · Cap: $9.78B
JPM
JPMorgan Chase & Co
$356.23
+0.76%
FINANCIAL SERVICES · Cap: $946.93B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 4422% more annual revenue ($186.33B vs $4.12B). JPM leads profitability with a 34.9% profit margin vs 9.4%. FCFS appears more attractively valued with a PEG of 1.17. JPM earns a higher WallStSmart Score of 81/100 (A-).
FCFS
Strong Buy68
out of 100
Grade: B-
JPM
Exceptional Buy81
out of 100
Grade: A-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 58.2% YoY
Revenue surging 29.4% year-over-year
Mega-cap, among the largest globally
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 50.4%
Revenue surging 30.4% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Moderate valuation
Elevated debt levels
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : FCFS
The strongest argument for FCFS centers on EPS Growth, Revenue Growth. Revenue growth of 29.4% demonstrates continued momentum. PEG of 1.17 suggests the stock is reasonably priced for its growth.
Bull Case : JPM
The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 34.9% and operating margin at 50.4%. Revenue growth of 30.4% demonstrates continued momentum.
Bear Case : FCFS
The primary concerns for FCFS are P/E Ratio, Debt/Equity.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.30 is elevated, increasing financial risk.
Key Dynamics to Monitor
JPM carries more volatility with a beta of 0.97 — expect wider price swings.
JPM is growing revenue faster at 30.4% — sustainability is the question.
FCFS generates stronger free cash flow (149M), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
JPM scores higher overall (81/100 vs 68/100), backed by strong 34.9% margins and 30.4% revenue growth. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
FirstCash Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
FirstCash, Inc., operates retail pawn shops in the United States and Latin America. The company is headquartered in Fort Worth, Texas.
Visit Website →JPMorgan Chase & Co
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
JPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As a Bulge Bracket bank, it is a major provider of various investment banking and financial services. It is one of America's Big Four banks, along with Bank of America, Citigroup, and Wells Fargo. JPMorgan Chase is considered to be a universal bank and a custodian bank. The J.P. Morgan brand is used by the investment banking, asset management, private banking, private wealth management, and treasury services divisions.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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