Nelnet [NNI] vs FirstCash Holdings [FCFS] Detailed Stock Comparison

Nelnet Inc.

NYSE
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FirstCash Holdings Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Nelnet Inc. wins in 8 metrics, FirstCash Holdings Inc. wins in 11 metrics, with 0 ties. FirstCash Holdings Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Nelnet Inc. FirstCash Holdings Inc. Better
P/E Ratio (TTM) 11.67 27.71 Nelnet Inc.
Price-to-Book Ratio 1.34 3.97 Nelnet Inc.
Debt-to-Equity Ratio 217.91 112.82 FirstCash Holdings Inc.
PEG Ratio -1.55 1.03 FirstCash Holdings Inc.
EV/EBITDA N/A 16.77 N/A
Profit Margin (TTM) 25.61% 9.02% Nelnet Inc.
Operating Margin (TTM) 17.74% 17.30% Nelnet Inc.
EBITDA Margin (TTM) 17.74% 17.30% Nelnet Inc.
Return on Equity 11.59% 15.26% FirstCash Holdings Inc.
Return on Assets (TTM) 2.86% 7.33% FirstCash Holdings Inc.
Free Cash Flow (TTM) $396.75M $531.04M FirstCash Holdings Inc.
Dividend Yield 0.94% 1.10% FirstCash Holdings Inc.
1-Year Return 15.87% 72.81% FirstCash Holdings Inc.
Price-to-Sales Ratio (TTM) 2.96 2.48 FirstCash Holdings Inc.
Enterprise Value $12.33B $11.49B Nelnet Inc.
EV/Revenue Ratio 7.37 3.14 FirstCash Holdings Inc.
Gross Profit Margin (TTM) N/A 50.06% N/A
Revenue per Share (TTM) $46 $83 FirstCash Holdings Inc.
Earnings per Share (Diluted) $11.79 $7.42 Nelnet Inc.
Beta (Stock Volatility) 0.81 0.47 FirstCash Holdings Inc.
Short % of Float 2.33% 2.87% Nelnet Inc.

Nelnet Inc. vs FirstCash Holdings Inc. Stock Performance Analysis

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NNI
FCFS

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Nelnet Inc.-1.57%0.71%2.27%-0.22%-4.25%-0.57%
FirstCash Holdings Inc.-0.49%0.02%-1.22%18.65%35.95%42.74%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Nelnet Inc.15.87%30.63%75.02%296.77%532.52%228.63%
FirstCash Holdings Inc.72.81%139.70%178.92%369.01%477.53%1,034.66%

Performance & Financial Health Analysis: Nelnet Inc. vs FirstCash Holdings Inc.

MetricNNIFCFS
Market Information
Market Cap i$5.08B$9.37B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i125,032287,919
90 Day Avg. Volume i169,877348,726
Last Close$128.25$223.78
52 Week Range$112.61 - $144.38$119.21 - $235.97
% from 52W High-11.17%-5.17%
All-Time High$143.25 (May 07, 2026)$235.03 (May 27, 2026)
% from All-Time High-10.47%-4.79%
Growth Metrics
Quarterly Revenue Growth-0.09%0.20%
Quarterly Earnings Growth-0.09%0.25%
Financial Health
Profit Margin (TTM) i0.26%0.09%
Operating Margin (TTM) i0.18%0.17%
Return on Equity (TTM) i0.12%0.15%
Debt to Equity (MRQ) i217.91112.82
Cash & Liquidity
Book Value per Share (MRQ)$102.74$51.77
Cash per Share (MRQ)$8.27$2.85
Operating Cash Flow (TTM) i$422.98M$585.94M
Levered Free Cash Flow (TTM) i$420.68M$232.38M
Dividends
Last 12-Month Dividend Yield i0.94%1.10%
Last 12-Month Dividend i$1.24$2.02

Valuation & Enterprise Metrics Analysis: Nelnet Inc. vs FirstCash Holdings Inc.

MetricNNI (Apr 24, 2026)FCFS (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.6727.71
Forward P/E i13.7616.70
PEG Ratio i-1.551.03
Price to Sales (TTM) i2.962.48
Price to Book (MRQ) i1.343.97
Market Capitalization
Market Capitalization i$5.08B$9.37B
Enterprise Value i$12.33B$11.49B
Enterprise Value Metrics
Enterprise to Revenue i7.373.14
Enterprise to EBITDA iN/A16.77
Risk & Other Metrics
Beta i0.810.47
Book Value per Share (MRQ) i$102.74$51.77

Financial Statements Comparison: Nelnet 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

MetricNNI (2025)FCFS (2025)
Revenue/Sales i1.35B3.66B
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 i526.33M447.56M
Pre-Tax Income % of Revenue i39.0%12.2%
Income Tax i127.99M117.19M
Income Tax % of Revenue i9.5%3.2%
Net Income (Profit) i398.35M330.38M
Profit Margin i29.5%9.0%

Balance Sheet & Liquidity Metrics

MetricNNI (2025)FCFS (2025)
Cash & Equivalents i295.98M125.20M
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 i6.80B2.46B
Long-Term Debt % of Revenue i503.2%67.1%
Total Shareholders Equity i3.58B2.28B
Retained Earnings i3.68B1.67B
Retained Earnings % of Revenue i272.5%45.6%
Property, Plant & Equipment i10.10M365.62M

Cash Flow Statement Comparison

MetricNNI (2025)FCFS (2025)
Operating Cash Flow i587.25M381.14M
Operating Cash Flow % of Revenue i43.5%10.4%
Capital Expenditures i-26.24M-54.91M
Free Cash Flow i396.75M531.04M
FCF Margin i29.4%14.5%
Debt Repayment i-2.62B-427.38M
Common Stock Repurchase i-69.35M-115.85M

Short Interest & Institutional Ownership Analysis

MetricNNIFCFS
Shares Short i320,039903,847
Short Ratio i1.942.67
Short % of Float i2.33%2.87%
Shares Outstanding i35.88M43.98M
Float Shares i14.53M38.76M
% Held by Insiders i30.47%11.82%
% Held by Institutions i49.17%91.86%
% Held by Public i20.36%-3.68%

Dividend Analysis & Yield Comparison: Nelnet Inc. vs FirstCash Holdings Inc.

MetricNNIFCFS
Last 12-Month Dividend i$1.24$2.02
Last 12-Month Dividend Yield i0.94%1.10%
3-Year Avg Annual Dividend i$1.15$1.61
3-Year Avg Dividend Yield i0.27%0.31%
3-Year Total Dividends i$3.44$4.84
Ex-Dividend DateFeb 27, 2026Feb 18, 2026