Western Union [WU] vs FirstCash Holdings [FCFS] Detailed Stock Comparison
Western Union
NYSE
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FirstCash Holdings
NASDAQ
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TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Western Union wins in 11 metrics, FirstCash Holdings wins in 8 metrics, with 0 ties. Western Union appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Western Union | FirstCash Holdings | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 3.09 | 23.83 | Western Union |
| Price-to-Book Ratio | 3.00 | 3.21 | Western Union |
| Debt-to-Equity Ratio | 311.14 | 94.52 | FirstCash Holdings |
| PEG Ratio | -0.26 | 1.04 | Western Union |
| EV/EBITDA | 4.80 | 14.51 | Western Union |
| Profit Margin (TTM) | 21.84% | 8.61% | Western Union |
| Operating Margin (TTM) | 18.78% | 12.67% | Western Union |
| EBITDA Margin (TTM) | 18.78% | 12.67% | Western Union |
| Return on Equity | 135.32% | 14.17% | Western Union |
| Return on Assets (TTM) | 5.76% | 6.97% | FirstCash Holdings |
| Free Cash Flow (TTM) | $275.70M | $471.71M | FirstCash Holdings |
| Dividend Yield | 5.44% | N/A | N/A |
| 1-Year Return | -31.90% | 35.82% | FirstCash Holdings |
| Price-to-Sales Ratio (TTM) | 0.64 | 2.03 | Western Union |
| Enterprise Value | $4.34B | $8.66B | FirstCash Holdings |
| EV/Revenue Ratio | 1.06 | 2.56 | Western Union |
| Gross Profit Margin (TTM) | 37.36% | 49.70% | FirstCash Holdings |
| Revenue per Share (TTM) | $12 | $76 | FirstCash Holdings |
| Earnings per Share (Diluted) | $2.64 | $6.50 | FirstCash Holdings |
| Beta (Stock Volatility) | 0.63 | 0.69 | Western Union |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Western Union vs FirstCash Holdings Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Western Union | -0.25% | 0.12% | -6.60% | -6.71% | -19.22% | -22.70% |
| FirstCash Holdings | -0.96% | 3.58% | 5.42% | 15.50% | 28.47% | 50.51% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Western Union | -31.90% | -42.36% | -63.43% | -57.70% | -54.89% | -53.49% |
| FirstCash Holdings | 35.82% | 97.30% | 158.73% | 263.66% | 443.70% | 1,177.17% |
News Based Sentiment: Western Union vs FirstCash Holdings
Western Union
News based Sentiment: MIXED
October presented a mixed bag for Western Union, with disappointing earnings and a downgrade in market capitalization offset by progress on the Intermex acquisition and expansion into digital payments. The overall narrative suggests a company in transition facing significant challenges but also pursuing strategic growth initiatives.
FirstCash Holdings
News based Sentiment: MIXED
FirstCash experienced a positive month with analyst upgrades and strong earnings, but this was tempered by notable insider selling. The mixed signals – positive external views versus internal selling – create a nuanced investment picture, making this a significant month for the stock's trajectory.
Performance & Financial Health Analysis: Western Union vs FirstCash Holdings
| Metric | WU | FCFS |
|---|---|---|
| Market Information | ||
| Market Cap | $2.61B | $6.98B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 13,534,300 | 436,130 |
| 90 Day Avg. Volume | 10,562,770 | 313,893 |
| Last Close | $8.07 | $154.41 |
| 52 Week Range | $7.85 - $12.02 | $100.24 - $158.93 |
| % from 52W High | -32.86% | -2.84% |
| All-Time High | $28.62 (Aug 11, 2008) | $158.93 (Sep 26, 2025) |
| % from All-Time High | -71.80% | -2.84% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.04% | -0.01% |
| Quarterly Earnings Growth | -0.13% | 0.22% |
| Financial Health | ||
| Profit Margin (TTM) | 0.22% | 0.09% |
| Operating Margin (TTM) | 0.19% | 0.13% |
| Return on Equity (TTM) | 1.35% | 0.14% |
| Debt to Equity (MRQ) | 311.14 | 94.52 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $2.73 | $48.24 |
| Cash per Share (MRQ) | $3.16 | $2.29 |
| Operating Cash Flow (TTM) | $494.00M | $554.73M |
| Levered Free Cash Flow (TTM) | $-129,937,504 | $576.17M |
| Dividends | ||
| Last 12-Month Dividend Yield | 5.44% | N/A |
| Last 12-Month Dividend | $0.46 | N/A |
Valuation & Enterprise Metrics Analysis: Western Union vs FirstCash Holdings
| Metric | WU | FCFS |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 3.09 | 23.83 |
| Forward P/E | 4.49 | 19.56 |
| PEG Ratio | -0.26 | 1.04 |
| Price to Sales (TTM) | 0.64 | 2.03 |
| Price to Book (MRQ) | 3.00 | 3.21 |
| Market Capitalization | ||
| Market Capitalization | $2.61B | $6.98B |
| Enterprise Value | $4.34B | $8.66B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 1.06 | 2.56 |
| Enterprise to EBITDA | 4.80 | 14.51 |
| Risk & Other Metrics | ||
| Beta | 0.63 | 0.69 |
| Book Value per Share (MRQ) | $2.73 | $48.24 |
Financial Statements Comparison: Western Union vs FirstCash Holdings
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | WU | FCFS |
|---|---|---|
| Revenue/Sales | $983.60M | $830.62M |
| Cost of Goods Sold | $619.20M | $417.81M |
| Gross Profit | $364.40M | $412.82M |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | $177.40M | $105.20M |
| EBITDA | $221.80M | $213.06M |
| Pre-Tax Income | $147.30M | $81.08M |
| Income Tax | $23.80M | $21.27M |
| Net Income (Profit) | $123.50M | $59.81M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | WU | FCFS |
|---|---|---|
| Cash & Equivalents | $1.45B | $146.03M |
| Total Current Assets | $4.81B | $1.33B |
| Total Current Liabilities | $4.52B | $301.89M |
| Long-Term Debt | $2.44B | $1.94B |
| Total Shareholders Equity | $939.40M | $2.06B |
| Retained Earnings | $-3.40M | $1.48B |
| Property, Plant & Equipment | N/A | $1.05B |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | WU | FCFS |
|---|---|---|
| Operating Cash Flow | $150.30M | $83.67M |
| Capital Expenditures | $-3.40M | $-12.91M |
| Free Cash Flow | $123.80M | $113.73M |
| Debt Repayment | $-500.00M | $-129.00M |
| Common Stock Repurchase | $-76.70M | $-59.61M |
Short Interest & Institutional Ownership Analysis
| Metric | WU | FCFS |
|---|---|---|
| Shares Short | 40.79M | 413,303 |
| Short Ratio | 4.60 | 1.58 |
| Short % of Float | 0.17% | 0.01% |
| Average Daily Volume (10 Day) | 13,534,300 | 436,130 |
| Average Daily Volume (90 Day) | 10,562,770 | 313,893 |
| Shares Outstanding | 337.90M | 44.75M |
| Float Shares | 320.96M | 39.24M |
| % Held by Insiders | 0.00% | 0.12% |
| % Held by Institutions | 0.95% | 0.89% |
Dividend Analysis & Yield Comparison: Western Union vs FirstCash Holdings
| Metric | WU | FCFS |
|---|---|---|
| Last 12-Month Dividend | $0.46 | N/A |
| Last 12-Month Dividend Yield | 5.44% | N/A |
| 3-Year Avg Annual Dividend | $0.77 | N/A |
| 3-Year Avg Dividend Yield | 1.93% | N/A |
| 3-Year Total Dividends | $2.30 | N/A |
| Ex-Dividend Date | Mar 17, 2025 | N/A |