FirstCash (FCFS) vs SoFi Technologies (SOFI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
FirstCash (FCFS) has outperformed SoFi Technologies (SOFI) over the past year, gaining 36.4% versus a loss of 44.3%. Over five years, FCFS leads with a +142.1% price change compared with -19.2% for SOFI. SoFi Technologies is the larger company by market cap ($20.23 billion vs $9.09 billion), about 2.2 times the size.
On valuation, FirstCash trades at a lower forward P/E (16.1x vs 19.0x for SoFi Technologies). FirstCash pays a dividend yielding 0.80%, while SoFi Technologies does not currently pay one. SoFi Technologies converts more of its revenue into profit, with a net margin of 77.7% versus 9.0%.
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 | SOFI |
|---|---|---|
| Share price | $209.56 | $15.66 |
| Market cap | $9.09B | $20.23B |
| 1-day change | -1.62% | -0.63% |
| YTD return | +31.48% | -40.18% |
| 1-year return | +36.37% | -44.35% |
| 5-year return | +142.13% | -19.20% |
| P/E ratio (TTM) | 23.84 | 31.96 |
| Forward P/E | 16.14 | 19.03 |
| EPS (TTM) | $8.79 | $0.49 |
| Dividend yield | 0.80% | 0.00% |
| Annual dividend | $1.68 | $0.00 |
| Revenue (latest FY) | $3.66B | $619.35M |
| Revenue growth (YoY) | +8.04% | +23.10% |
| Net income (latest FY) | $330.38M | $481.32M |
| Gross margin | 50.28% | 1.67% |
| Net margin | 9.02% | 77.71% |
| 52-week high | $238.93 | $32.73 |
| 52-week low | $146.77 | $14.88 |
| Distance from 52-week high | -12.29% | -52.15% |
| Analyst consensus | strong_buy | hold |
| Avg. price target upside | +19.18% | +29.82% |
| Average volume | 413.59K | 57.64M |
| Shares outstanding | 43.37M | 1.29B |
| Employees | — | 6,100 |
| Sector | Consumer Discretionary | Finance |
| Industry | Other Specialty Stores | Finance: Consumer 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
- SoFi Technologies is about 2.2 times larger than FirstCash by market value ($20.23B vs $9.09B).
- FCFS has outperformed SOFI by 80.7 percentage points over the past year.
- SoFi Technologies trades at a higher earnings multiple (32.0x vs 23.8x trailing P/E).
- SoFi Technologies is more profitable, keeping 77.7 cents of every revenue dollar as net income versus 9.0 cents for FirstCash.
- SoFi Technologies grew revenue faster in its latest fiscal year (+23.10% vs +8.04%).
- The two companies sit in different sectors: FirstCash in Consumer Discretionary and SoFi Technologies in Finance.
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.
Consumer Discretionary · Other Specialty Stores
About SoFi Technologies
SOFI stock →SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong.
Finance · Finance: Consumer Services · 6,100 employees
FCFS vs SOFI FAQ
Which is bigger, FirstCash or SoFi Technologies?
SoFi Technologies (SOFI) is larger, with a market capitalization of $20.23B compared with $9.09B for FirstCash (FCFS).
Which stock has performed better over the past year, FCFS or SOFI?
FCFS returned +36.37% over the past 12 months, compared with -44.35% for SOFI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FCFS or SOFI?
FCFS has the lower trailing P/E at 23.8, versus 32.0 for SOFI. 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 SoFi Technologies?
FirstCash pays a dividend yielding 0.80%, while SoFi Technologies does not currently pay a regular dividend.
Are FirstCash and SoFi Technologies in the same industry?
No. FirstCash is in the Consumer Discretionary sector, while SoFi Technologies is in Finance.