FirstCash Inc (FCFS)vsPayPal Holdings Inc (PYPL)
FCFS
FirstCash Inc
$190.43
-3.01%
FINANCIAL SERVICES · Cap: $8.66B
PYPL
PayPal Holdings Inc
$44.85
+1.45%
FINANCIAL SERVICES · Cap: $41.37B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 806% more annual revenue ($33.17B vs $3.66B). PYPL leads profitability with a 15.8% profit margin vs 9.0%. PYPL appears more attractively valued with a PEG of 0.69. PYPL earns a higher WallStSmart Score of 78/100 (B+).
FCFS
Buy64
out of 100
Grade: C+
PYPL
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+47.5%
Fair Value
$347.26
Current Price
$190.43
$156.83 discount
Margin of Safety
+82.3%
Fair Value
$253.19
Current Price
$44.85
$208.34 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
19.8% revenue growth
Earnings expanding 27.0% YoY
Attractively priced relative to earnings
Every $100 of equity generates 26 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 39.4% YoY
Generating 2.2B in free cash flow
Areas to Watch
Moderate valuation
Elevated debt levels
3.7% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FCFS
The strongest argument for FCFS centers on Revenue Growth, EPS Growth. Revenue growth of 19.8% demonstrates continued momentum. PEG of 1.17 suggests the stock is reasonably priced for its growth.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. Profitability is solid with margins at 15.8% and operating margin at 17.5%. PEG of 0.69 suggests the stock is reasonably priced for its growth.
Bear Case : FCFS
The primary concerns for FCFS are P/E Ratio, Debt/Equity.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
FCFS profiles as a growth stock while PYPL is a value play — different risk/reward profiles.
PYPL carries more volatility with a beta of 1.46 — expect wider price swings.
FCFS is growing revenue faster at 19.8% — sustainability is the question.
PYPL generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
PYPL scores higher overall (78/100 vs 64/100), backed by strong 15.8% margins. FCFS offers better value entry with a 47.5% margin of safety. Both earn "Strong Buy" and "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 →PayPal Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.
Visit Website →Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?