Western Union [WU] vs FirstCash Holdings [FCFS] Detailed Stock Comparison

Western Union Co.

NYSE
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FirstCash Holdings Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Western Union Co. wins in 8 metrics, FirstCash Holdings Inc. wins in 13 metrics, with 0 ties. FirstCash Holdings Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Western Union Co. FirstCash Holdings Inc. Better
P/E Ratio (TTM) 5.86 27.71 Western Union Co.
Price-to-Book Ratio 2.93 3.97 Western Union Co.
Debt-to-Equity Ratio 288.12 112.82 FirstCash Holdings Inc.
PEG Ratio -0.09 1.03 FirstCash Holdings Inc.
EV/EBITDA 5.09 16.77 Western Union Co.
Profit Margin (TTM) 10.88% 9.02% Western Union Co.
Operating Margin (TTM) 12.52% 17.30% FirstCash Holdings Inc.
EBITDA Margin (TTM) 12.52% 17.30% FirstCash Holdings Inc.
Return on Equity 47.66% 15.26% Western Union Co.
Return on Assets (TTM) 5.43% 7.33% FirstCash Holdings Inc.
Free Cash Flow (TTM) $392.90M $531.04M FirstCash Holdings Inc.
Dividend Yield 10.02% 1.10% Western Union Co.
1-Year Return -12.51% 72.81% FirstCash Holdings Inc.
Price-to-Sales Ratio (TTM) 0.69 2.48 Western Union Co.
Enterprise Value $4.50B $11.49B FirstCash Holdings Inc.
EV/Revenue Ratio 1.11 3.14 Western Union Co.
Gross Profit Margin (TTM) 36.00% 50.06% FirstCash Holdings Inc.
Revenue per Share (TTM) $13 $83 FirstCash Holdings Inc.
Earnings per Share (Diluted) $1.52 $7.42 FirstCash Holdings Inc.
Beta (Stock Volatility) 0.54 0.47 FirstCash Holdings Inc.
Short % of Float 16.92% 2.87% FirstCash Holdings Inc.

Western Union Co. vs FirstCash Holdings Inc. Stock Performance Analysis

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WU
FCFS

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Western Union Co.-0.79%1.77%-10.19%-21.07%-21.90%-18.85%
FirstCash Holdings Inc.-0.49%0.02%-1.22%18.65%35.95%42.74%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Western Union Co.-12.51%-34.63%-67.53%-60.30%-61.73%-56.48%
FirstCash Holdings Inc.72.81%139.70%178.92%369.01%477.53%1,034.66%

Performance & Financial Health Analysis: Western Union Co. vs FirstCash Holdings Inc.

MetricWUFCFS
Market Information
Market Cap i$2.79B$9.37B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i11,648,930287,919
90 Day Avg. Volume i9,124,210348,726
Last Close$7.49$223.78
52 Week Range$7.24 - $10.35$119.21 - $235.97
% from 52W High-27.63%-5.17%
All-Time High$28.62 (Aug 11, 2008)$235.03 (May 27, 2026)
% from All-Time High-73.83%-4.79%
Growth Metrics
Quarterly Revenue Growth0.00%0.20%
Quarterly Earnings Growth-0.48%0.25%
Financial Health
Profit Margin (TTM) i0.11%0.09%
Operating Margin (TTM) i0.13%0.17%
Return on Equity (TTM) i0.48%0.15%
Debt to Equity (MRQ) i288.12112.82
Cash & Liquidity
Book Value per Share (MRQ)$3.03$51.77
Cash per Share (MRQ)$2.91$2.85
Operating Cash Flow (TTM) i$504.50M$585.94M
Levered Free Cash Flow (TTM) i$473.70M$232.38M
Dividends
Last 12-Month Dividend Yield i10.02%1.10%
Last 12-Month Dividend i$0.92$2.02

Valuation & Enterprise Metrics Analysis: Western Union Co. vs FirstCash Holdings Inc.

MetricWU (Apr 26, 2026)FCFS (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i5.8627.71
Forward P/E i4.6216.70
PEG Ratio i-0.091.03
Price to Sales (TTM) i0.692.48
Price to Book (MRQ) i2.933.97
Market Capitalization
Market Capitalization i$2.79B$9.37B
Enterprise Value i$4.50B$11.49B
Enterprise Value Metrics
Enterprise to Revenue i1.113.14
Enterprise to EBITDA i5.0916.77
Risk & Other Metrics
Beta i0.540.47
Book Value per Share (MRQ) i$3.03$51.77

Financial Statements Comparison: Western Union Co. 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

MetricWU (2025)FCFS (2025)
Revenue/Sales i4.05B3.66B
Cost of Goods Sold i2.55B1.82B
COGS % of Revenue i63.0%49.7%
Gross Profit i1.50B1.84B
Gross Margin i37.0%50.3%
Research & Development iN/AN/A
Operating Income (EBIT) i757.30M562.23M
Operating Margin i18.7%15.4%
EBITDA i934.10M1.01B
EBITDA Margin i23.1%27.6%
Pre-Tax Income i625.70M447.56M
Pre-Tax Income % of Revenue i15.4%12.2%
Income Tax i126.10M117.19M
Income Tax % of Revenue i3.1%3.2%
Net Income (Profit) i499.60M330.38M
Profit Margin i12.3%9.0%

Balance Sheet & Liquidity Metrics

MetricWU (2025)FCFS (2025)
Cash & Equivalents i1.64B125.20M
Total Current Assets i5.00B1.86B
Total Current Assets % of Revenue i123.4%50.7%
Total Current Liabilities i4.43B407.81M
Total Current Liabilities % of Revenue i109.4%11.1%
Long-Term Debt i2.67B2.46B
Long-Term Debt % of Revenue i65.9%67.1%
Total Shareholders Equity i957.80M2.28B
Retained Earnings i-11.50M1.67B
Retained Earnings % of Revenue i-0.3%45.6%
Property, Plant & Equipment i596.00M365.62M

Cash Flow Statement Comparison

MetricWU (2025)FCFS (2025)
Operating Cash Flow i741.00M381.14M
Operating Cash Flow % of Revenue i18.3%10.4%
Capital Expenditures i-38.50M-54.91M
Free Cash Flow i392.90M531.04M
FCF Margin i9.7%14.5%
Debt Repayment i-500.00M-427.38M
Common Stock Repurchase i-234.60M-115.85M

Short Interest & Institutional Ownership Analysis

MetricWUFCFS
Shares Short i46.54M903,847
Short Ratio i5.992.67
Short % of Float i16.92%2.87%
Shares Outstanding i315.70M43.98M
Float Shares i310.54M38.76M
% Held by Insiders i0.84%11.82%
% Held by Institutions i107.95%91.86%
% Held by Public i-8.79%-3.68%

Dividend Analysis & Yield Comparison: Western Union Co. vs FirstCash Holdings Inc.

MetricWUFCFS
Last 12-Month Dividend i$0.92$2.02
Last 12-Month Dividend Yield i10.02%1.10%
3-Year Avg Annual Dividend i$0.92$1.61
3-Year Avg Dividend Yield i2.22%0.31%
3-Year Total Dividends i$2.76$4.84
Ex-Dividend DateMar 17, 2026Feb 18, 2026