FCFS
Price
$125.43
Change
+$3.35 (+2.74%)
Updated
Apr 3, 02:37 PM (EDT)
Capitalization
5.75B
21 days until earnings call
PFSI
Price
$102.75
Change
-$0.86 (-0.83%)
Updated
Apr 3, 04:59 PM (EDT)
Capitalization
4.52B
28 days until earnings call
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FCFS vs PFSI

Header iconFCFS vs PFSI Comparison
Open Charts FCFS vs PFSIBanner chart's image
FirstCash Holdings
Price$125.43
Change+$3.35 (+2.74%)
Volume$200
Capitalization5.75B
PennyMac Financial Services
Price$102.75
Change-$0.86 (-0.83%)
Volume$4.1K
Capitalization4.52B
FCFS vs PFSI Comparison Chart
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FCFS
Daily Signalchanged days ago
Gain/Loss if bought
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PFSI
Daily Signalchanged days ago
Gain/Loss if bought
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FCFS vs. PFSI commentary
Apr 03, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FCFS is a Buy and PFSI is a StrongBuy.

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COMPARISON
Comparison
Apr 03, 2025
Stock price -- (FCFS: $122.08 vs. PFSI: $103.61)
Brand notoriety: FCFS and PFSI are both not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: FCFS: 107% vs. PFSI: 118%
Market capitalization -- FCFS: $5.75B vs. PFSI: $4.52B
FCFS [@Finance/Rental/Leasing] is valued at $5.75B. PFSI’s [@Finance/Rental/Leasing] market capitalization is $4.52B. The market cap for tickers in the [@Finance/Rental/Leasing] industry ranges from $573.25B to $0. The average market capitalization across the [@Finance/Rental/Leasing] industry is $12.66B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

FCFS’s FA Score shows that 1 FA rating(s) are green whilePFSI’s FA Score has 1 green FA rating(s).

  • FCFS’s FA Score: 1 green, 4 red.
  • PFSI’s FA Score: 1 green, 4 red.
According to our system of comparison, both FCFS and PFSI are a bad buy in the long-term.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

FCFS’s TA Score shows that 5 TA indicator(s) are bullish while PFSI’s TA Score has 5 bullish TA indicator(s).

  • FCFS’s TA Score: 5 bullish, 3 bearish.
  • PFSI’s TA Score: 5 bullish, 2 bearish.
According to our system of comparison, PFSI is a better buy in the short-term than FCFS.

Price Growth

FCFS (@Finance/Rental/Leasing) experienced а +1.59% price change this week, while PFSI (@Finance/Rental/Leasing) price change was +1.47% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was -3.26%. For the same industry, the average monthly price growth was +1.53%, and the average quarterly price growth was +49.18%.

Reported Earning Dates

FCFS is expected to report earnings on Apr 24, 2025.

PFSI is expected to report earnings on May 01, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (-3.26% weekly)

A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).

SUMMARIES
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FUNDAMENTALS
Fundamentals
FCFS($5.75B) has a higher market cap than PFSI($4.53B). PFSI has higher P/E ratio than FCFS: PFSI (32.75) vs FCFS (26.15). FCFS YTD gains are higher at: 18.219 vs. PFSI (1.745). FCFS has higher annual earnings (EBITDA): 907M vs. PFSI (424M). PFSI has more cash in the bank: 949M vs. FCFS (127M). FCFS has less debt than PFSI: FCFS (1.92B) vs PFSI (13.5B). FCFS has higher revenues than PFSI: FCFS (3.15B) vs PFSI (2.04B).
FCFSPFSIFCFS / PFSI
Capitalization5.75B4.53B127%
EBITDA907M424M214%
Gain YTD18.2191.7451,044%
P/E Ratio26.1532.7580%
Revenue3.15B2.04B155%
Total Cash127M949M13%
Total Debt1.92B13.5B14%
FUNDAMENTALS RATINGS
FCFS vs PFSI: Fundamental Ratings
FCFS
PFSI
OUTLOOK RATING
1..100
1865
VALUATION
overvalued / fair valued / undervalued
1..100
97
Overvalued
35
Fair valued
PROFIT vs RISK RATING
1..100
2411
SMR RATING
1..100
6075
PRICE GROWTH RATING
1..100
4456
P/E GROWTH RATING
1..100
7092
SEASONALITY SCORE
1..100
5050

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

PFSI's Valuation (35) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for FCFS (97). This means that PFSI’s stock grew somewhat faster than FCFS’s over the last 12 months.

PFSI's Profit vs Risk Rating (11) in the Finance Or Rental Or Leasing industry is in the same range as FCFS (24). This means that PFSI’s stock grew similarly to FCFS’s over the last 12 months.

FCFS's SMR Rating (60) in the Finance Or Rental Or Leasing industry is in the same range as PFSI (75). This means that FCFS’s stock grew similarly to PFSI’s over the last 12 months.

FCFS's Price Growth Rating (44) in the Finance Or Rental Or Leasing industry is in the same range as PFSI (56). This means that FCFS’s stock grew similarly to PFSI’s over the last 12 months.

FCFS's P/E Growth Rating (70) in the Finance Or Rental Or Leasing industry is in the same range as PFSI (92). This means that FCFS’s stock grew similarly to PFSI’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FCFSPFSI
RSI
ODDS (%)
Bearish Trend 2 days ago
61%
N/A
Stochastic
ODDS (%)
Bearish Trend 2 days ago
61%
Bearish Trend 2 days ago
63%
Momentum
ODDS (%)
Bullish Trend 2 days ago
70%
Bullish Trend 2 days ago
70%
MACD
ODDS (%)
Bullish Trend 2 days ago
64%
Bullish Trend 2 days ago
63%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
67%
Bullish Trend 2 days ago
71%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
64%
Bearish Trend 2 days ago
60%
Advances
ODDS (%)
Bullish Trend 2 days ago
64%
Bullish Trend 15 days ago
72%
Declines
ODDS (%)
Bearish Trend 7 days ago
64%
Bearish Trend 3 days ago
64%
BollingerBands
ODDS (%)
N/A
Bullish Trend 2 days ago
71%
Aroon
ODDS (%)
Bullish Trend 2 days ago
59%
N/A
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FCFS
Daily Signalchanged days ago
Gain/Loss if bought
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PFSI
Daily Signalchanged days ago
Gain/Loss if bought
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FCFS and

Correlation & Price change

A.I.dvisor indicates that over the last year, FCFS has been loosely correlated with UPBD. These tickers have moved in lockstep 43% of the time. This A.I.-generated data suggests there is some statistical probability that if FCFS jumps, then UPBD could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FCFS
1D Price
Change %
FCFS100%
+0.85%
UPBD - FCFS
43%
Loosely correlated
+1.89%
PFSI - FCFS
40%
Loosely correlated
+3.60%
EZPW - FCFS
40%
Loosely correlated
-1.29%
ENVA - FCFS
39%
Loosely correlated
+3.75%
R - FCFS
39%
Loosely correlated
+3.69%
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