COMP <GO>
FCFS vs MA // 10Y YIELD & FRED MACRO BETA
FirstCash Holdings Inc. (NASDAQ) VS. Mastercard Incorporated (NYSE) • 15-METRIC TALLY: FCFS 7
— MA 8
▲ 10Y YIELD & FRED MACRO BETA LEADER: FCFS
LAST: $181.25 (-3.50%) • MKT CAP: $8.06B
macro-sensitivity
1.12
LAST: $638.01 (+0.36%) • MKT CAP: $556.88B
macro-sensitivity
0.90
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FCFS VS. MA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FCFS | MA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 96.00% | 41.00% | +55.00 | FCFS | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.30% | 33.50% | -26.20 | MA | /roic <GO> |
| EV/EBITDA & P/E Valuation | 21.7x | 29.2x | -7.50 | FCFS | /valuation <GO> |
| Free Cash Flow Yield | 6.34% | 3.08% | +3.26 | FCFS | /fcf-yield <GO> |
| Operating Margin | 24.20% | 57.60% | -33.40 | MA | /operating-margins <GO> |
| Net Profit Margin | 19.80% | 45.60% | -25.80 | MA | /net-margins <GO> |
| Revenue Growth (YoY) | 10.70% | 16.40% | -5.70 | MA | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.88% | 0.49% | +0.39 | FCFS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 2.93 | 11.17 | -8.24 | MA | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 8/9 | +1.00 | FCFS | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.30% | 6.60% | +0.70 | MA | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 33.5 | 70.6 | -37.13 | MA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 1.12 | 0.90 | +0.22 | FCFS | /macro-sensitivity <GO> |
| Forward P/E Multiple | 22.7x | 31.2x | -8.50 | FCFS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $8.06B | $556.88B | -$548.82B | MA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FCFS REV | MA REV | FCFS GROSS % | MA GROSS % | FCFS FCF | MA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.67B | $32.79B | 110.3% | 44.0% | $510.9M | $17.16B |
| FY 2024 | $1.51B | $28.17B | 108.1% | 44.0% | $472.1M | $14.31B |
| FY 2023 | $1.38B | $25.10B | 44.0% | 44.0% | $354.0M | $10.85B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FCFS // BETA 1.12
MA // BETA 0.90