FirstCash Inc (FCFS)vsSynchrony Financial (SYF)
FCFS
FirstCash Inc
$225.44
+1.35%
FINANCIAL SERVICES · Cap: $9.86B
SYF
Synchrony Financial
$70.77
+1.73%
FINANCIAL SERVICES · Cap: $24.68B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 155% more annual revenue ($9.89B vs $3.88B). SYF leads profitability with a 36.4% profit margin vs 9.2%. FCFS appears more attractively valued with a PEG of 1.17. SYF earns a higher WallStSmart Score of 77/100 (B+).
FCFS
Strong Buy66
out of 100
Grade: B-
SYF
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 25.7% year-over-year
Earnings expanding 29.9% YoY
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.0%
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Earnings expanding 20.1% YoY
Areas to Watch
Moderate valuation
Elevated debt levels
Expensive relative to growth rate
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 25.7% demonstrates continued momentum. PEG of 1.17 suggests the stock is reasonably priced for its growth.
Bull Case : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.4% and operating margin at 48.0%.
Bear Case : FCFS
The primary concerns for FCFS are P/E Ratio, Debt/Equity.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
FCFS profiles as a growth stock while SYF is a mature play — different risk/reward profiles.
SYF carries more volatility with a beta of 1.32 — expect wider price swings.
FCFS is growing revenue faster at 25.7% — sustainability is the question.
SYF generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (77/100 vs 66/100), backed by strong 36.4% margins. Both earn "Strong 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 →Synchrony Financial
FINANCIAL SERVICES · CREDIT SERVICES · USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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