Upstart Holdings [UPST] vs FirstCash Holdings [FCFS] Detailed Stock Comparison

Upstart Holdings, Inc.

NASDAQ
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FirstCash Holdings Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Upstart Holdings, Inc. wins in 0 metrics, FirstCash Holdings Inc. wins in 19 metrics, with 0 ties. FirstCash Holdings Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Upstart Holdings, Inc. FirstCash Holdings Inc. Better
P/E Ratio (TTM) 74.42 27.71 FirstCash Holdings Inc.
Price-to-Book Ratio 4.11 3.97 FirstCash Holdings Inc.
Debt-to-Equity Ratio 237.46 112.82 FirstCash Holdings Inc.
PEG Ratio -0.10 1.03 FirstCash Holdings Inc.
EV/EBITDA 45.63 16.77 FirstCash Holdings Inc.
Profit Margin (TTM) 4.98% 9.02% FirstCash Holdings Inc.
Operating Margin (TTM) 8.88% 17.30% FirstCash Holdings Inc.
EBITDA Margin (TTM) 8.88% 17.30% FirstCash Holdings Inc.
Return on Equity 7.49% 15.26% FirstCash Holdings Inc.
Return on Assets (TTM) 1.74% 7.33% FirstCash Holdings Inc.
Free Cash Flow (TTM) $-166.13M $531.04M FirstCash Holdings Inc.
Dividend Yield N/A 1.10% N/A
1-Year Return -41.37% 72.81% FirstCash Holdings Inc.
Price-to-Sales Ratio (TTM) 2.98 2.48 FirstCash Holdings Inc.
Enterprise Value $4.52B $11.49B FirstCash Holdings Inc.
EV/Revenue Ratio 4.21 3.14 FirstCash Holdings Inc.
Gross Profit Margin (TTM) N/A 50.06% N/A
Revenue per Share (TTM) $11 $83 FirstCash Holdings Inc.
Earnings per Share (Diluted) $0.45 $7.42 FirstCash Holdings Inc.
Beta (Stock Volatility) 2.16 0.47 FirstCash Holdings Inc.
Short % of Float 33.29% 2.87% FirstCash Holdings Inc.

Upstart Holdings, Inc. vs FirstCash Holdings Inc. Stock Performance Analysis

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UPST
FCFS

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Upstart Holdings, Inc.6.10%4.39%9.66%16.44%-29.73%-29.41%
FirstCash Holdings Inc.-0.49%0.02%-1.22%18.65%35.95%42.74%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Upstart Holdings, Inc.-41.37%-18.10%-75.38%-30.82%-30.82%-30.82%
FirstCash Holdings Inc.72.81%139.70%178.92%369.01%477.53%1,034.66%

Performance & Financial Health Analysis: Upstart Holdings, Inc. vs FirstCash Holdings Inc.

MetricUPSTFCFS
Market Information
Market Cap i$3.21B$9.37B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i4,875,729287,919
90 Day Avg. Volume i4,639,526348,726
Last Close$32.36$223.78
52 Week Range$23.97 - $87.30$119.21 - $235.97
% from 52W High-62.93%-5.17%
All-Time High$401.49 (Oct 11, 2021)$235.03 (May 27, 2026)
% from All-Time High-91.94%-4.79%
Growth Metrics
Quarterly Revenue Growth0.34%0.20%
Quarterly Earnings Growth0.31%0.25%
Financial Health
Profit Margin (TTM) i0.05%0.09%
Operating Margin (TTM) i0.09%0.17%
Return on Equity (TTM) i0.07%0.15%
Debt to Equity (MRQ) i237.46112.82
Cash & Liquidity
Book Value per Share (MRQ)$8.15$51.77
Cash per Share (MRQ)$6.71$2.85
Operating Cash Flow (TTM) i$-147,724,992$585.94M
Levered Free Cash Flow (TTM) i$-275,449,632$232.38M
Dividends
Last 12-Month Dividend Yield iN/A1.10%
Last 12-Month Dividend iN/A$2.02

Valuation & Enterprise Metrics Analysis: Upstart Holdings, Inc. vs FirstCash Holdings Inc.

MetricUPST (Apr 26, 2026)FCFS (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i74.4227.71
Forward P/E i10.5516.70
PEG Ratio i-0.101.03
Price to Sales (TTM) i2.982.48
Price to Book (MRQ) i4.113.97
Market Capitalization
Market Capitalization i$3.21B$9.37B
Enterprise Value i$4.52B$11.49B
Enterprise Value Metrics
Enterprise to Revenue i4.213.14
Enterprise to EBITDA i45.6316.77
Risk & Other Metrics
Beta i2.160.47
Book Value per Share (MRQ) i$8.15$51.77

Financial Statements Comparison: Upstart Holdings, Inc. vs FirstCash Holdings Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricUPST (2025)FCFS (2025)
Revenue/Sales i1.02B3.66B
Cost of Goods Sold iN/A1.82B
COGS % of Revenue i0.0%49.7%
Gross Profit iN/A1.84B
Gross Margin i0.0%50.3%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A562.23M
Operating Margin i0.0%15.4%
EBITDA iN/A1.01B
EBITDA Margin i0.0%27.6%
Pre-Tax Income i54.33M447.56M
Pre-Tax Income % of Revenue i5.3%12.2%
Income Tax i728,000117.19M
Income Tax % of Revenue i0.1%3.2%
Net Income (Profit) i53.60M330.38M
Profit Margin i5.2%9.0%

Balance Sheet & Liquidity Metrics

MetricUPST (2025)FCFS (2025)
Cash & Equivalents i657.45M125.20M
Total Current Assets iN/A1.86B
Total Current Assets % of Revenue i0.0%50.7%
Total Current Liabilities iN/A407.81M
Total Current Liabilities % of Revenue i0.0%11.1%
Long-Term Debt i1.75B2.46B
Long-Term Debt % of Revenue i171.2%67.1%
Total Shareholders Equity i798.82M2.28B
Retained Earnings i-357.56M1.67B
Retained Earnings % of Revenue i-34.9%45.6%
Property, Plant & Equipment i16.41M365.62M

Cash Flow Statement Comparison

MetricUPST (2025)FCFS (2025)
Operating Cash Flow i-173.12M381.14M
Operating Cash Flow % of Revenue i-16.9%10.4%
Capital Expenditures i-347,000-54.91M
Free Cash Flow i-166.13M531.04M
FCF Margin i-16.2%14.5%
Debt Repayment i-581.84M-427.38M
Common Stock Repurchase iN/A-115.85M

Short Interest & Institutional Ownership Analysis

MetricUPSTFCFS
Shares Short i27.64M903,847
Short Ratio i5.372.67
Short % of Float i33.29%2.87%
Shares Outstanding i98.03M43.98M
Float Shares i80.18M38.76M
% Held by Insiders i12.93%11.82%
% Held by Institutions i68.01%91.86%
% Held by Public i19.06%-3.68%

Dividend Analysis & Yield Comparison: Upstart Holdings, Inc. vs FirstCash Holdings Inc.

MetricUPSTFCFS
Last 12-Month Dividend iN/A$2.02
Last 12-Month Dividend Yield iN/A1.10%
3-Year Avg Annual Dividend iN/A$1.61
3-Year Avg Dividend Yield iN/A0.31%
3-Year Total Dividends iN/A$4.84
Ex-Dividend DateN/AFeb 18, 2026