Head to Head Comparison: FirstCash (NASDAQ:FCFS) and Tenet Fintech Group (OTCMKTS:PKKFF)

FirstCash (NASDAQ:FCFS) and Tenet Fintech Group (OTCMKTS:PKKFF) are both business services companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, analyst recommendations, dividends, profitability, earnings, risk and valuation.

Risk & Volatility

FirstCash has a beta of 0.52, meaning that its share price is 48% less volatile than the S&P 500. Comparatively, Tenet Fintech Group has a beta of 1.27, meaning that its share price is 27% more volatile than the S&P 500.

Valuation & Earnings

This table compares FirstCash and Tenet Fintech Group”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FirstCash	$3.66 billion	2.54	$330.38 million	$7.98	26.53
Tenet Fintech Group	$2.03 million	4.91	-$42.29 million	($0.09)	-0.45

FirstCash has higher revenue and earnings than Tenet Fintech Group. Tenet Fintech Group is trading at a lower price-to-earnings ratio than FirstCash, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for FirstCash and Tenet Fintech Group, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FirstCash	0	1	3	2	3.17
Tenet Fintech Group	0	0	0	0	0.00

FirstCash presently has a consensus price target of $198.00, suggesting a potential downside of 6.48%. Given FirstCash’s stronger consensus rating and higher possible upside, equities research analysts plainly believe FirstCash is more favorable than Tenet Fintech Group.

Institutional & Insider Ownership

80.3% of FirstCash shares are held by institutional investors. Comparatively, 0.3% of Tenet Fintech Group shares are held by institutional investors. 2.9% of FirstCash shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares FirstCash and Tenet Fintech Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
FirstCash	9.15%	18.68%	8.18%
Tenet Fintech Group	-1,215.85%	-722.03%	-68.92%

Summary

FirstCash beats Tenet Fintech Group on 13 of the 15 factors compared between the two stocks.

About FirstCash

FirstCash Holdings, Inc, together with its subsidiaries, operates retail pawn stores in the United States, Mexico, and rest of Latin America. The company operates in three segments: U.S. Pawn, Latin America Pawn, and Retail POS Payment Solutions segments. Its pawn stores lend money on the collateral of pledged personal property, including jewelry, electronics, tools, appliances, sporting goods, and musical instruments; and retails merchandise acquired through collateral forfeitures on forfeited pawn loans and over-the-counter purchases of merchandise directly from customers. The company also provides retail POS payment solutions, which focuses on LTO products and facilitating other retail financing payment options across the network of traditional and e-commerce merchant partners. It serves cash and credit-constrained consumers. The company was formerly known as FirstCash, Inc and changed its name to FirstCash Holdings, Inc. in December 2021. FirstCash Holdings, Inc was incorporated in 1988 and is headquartered in Fort Worth, Texas.

About Tenet Fintech Group

Tenet Fintech Group Inc., through its subsidiaries, provides various analytics and AI-based services to small-and-medium businesses and financial institutions. It offers Business Hub, a global ecosystem where analytics and AI are used to create opportunities and facilitate B2B transactions among its members. The company was formerly known as Peak Fintech Group Inc. and changed its name to Tenet Fintech Group Inc. in November 2021. Tenet Fintech Group Inc. was incorporated in 2008 and is headquartered in Toronto, Canada.