FirstCash (FCFS) vs Oportun Financial (OPRT)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
Oportun Financial (OPRT) has outperformed FirstCash (FCFS) over the past year, gaining 65.5% versus a gain of 38.4%. Over five years, FCFS leads with a +146.9% price change compared with -65.7% for OPRT. FirstCash is the larger company by market cap ($9.27 billion vs $410.2 million), about 22.6 times the size.
On valuation, Oportun Financial trades at a lower forward P/E (4.6x vs 16.5x for FirstCash). FirstCash pays a dividend yielding 0.79%, while Oportun Financial does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FCFS | OPRT |
|---|---|---|
| Share price | $213.70 | $8.92 |
| Market cap | $9.27B | $410.21M |
| 1-day change | +1.04% | +3.00% |
| YTD return | +34.08% | +68.62% |
| 1-year return | +38.40% | +65.49% |
| 5-year return | +146.91% | -65.72% |
| P/E ratio (TTM) | 24.07 | 22.30 |
| Forward P/E | 16.46 | 4.57 |
| EPS (TTM) | $8.88 | $0.40 |
| Dividend yield | 0.79% | 0.00% |
| Annual dividend | $1.68 | $0.00 |
| Revenue (latest FY) | $3.66B | — |
| Revenue growth (YoY) | +8.04% | — |
| Net income (latest FY) | $330.38M | — |
| Gross margin | 50.28% | — |
| Net margin | 9.02% | — |
| 52-week high | $238.93 | $9.07 |
| 52-week low | $146.77 | $4.03 |
| Distance from 52-week high | -10.56% | -1.65% |
| Analyst consensus | strong_buy | buy |
| Avg. price target upside | +16.87% | +17.71% |
| Average volume | 418.02K | 540.63K |
| Shares outstanding | 43.37M | 45.99M |
| Employees | — | 2,405 |
| Sector | Financial Services | Financial Services |
| Industry | Credit Services | Credit Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- FirstCash is about 22.6 times larger than Oportun Financial by market value ($9.27B vs $410.21M).
- OPRT has outperformed FCFS by 27.1 percentage points over the past year.
About FirstCash
FCFS stock →FirstCash Holdings, Inc., together with its subsidiaries, operates retail pawn stores in the United States, Mexico, rest of Latin America, and the United Kingdom. The company operates through four segments: U.S.
Financial Services · Credit Services
About Oportun Financial
OPRT stock →Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards.
Financial Services · Credit Services · 2,405 employees
FCFS vs OPRT FAQ
Which is bigger, FirstCash or Oportun Financial?
FirstCash (FCFS) is larger, with a market capitalization of $9.27B compared with $410.21M for Oportun Financial (OPRT).
Which stock has performed better over the past year, FCFS or OPRT?
OPRT returned +65.49% over the past 12 months, compared with +38.40% for FCFS (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FCFS or OPRT?
OPRT has the lower trailing P/E at 22.3, versus 24.1 for FCFS. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, FirstCash or Oportun Financial?
FirstCash pays a dividend yielding 0.79%, while Oportun Financial does not currently pay a regular dividend.
Are FirstCash and Oportun Financial in the same industry?
Yes. Both are classified in the Credit Services industry within the Financial Services sector.