Aiful (OTCMKTS:AIFLY) and FirstCash (NASDAQ:FCFS) Head to Head Review

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

Profitability

This table compares FirstCash and Aiful’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
FirstCash	9.42%	19.65%	8.38%
Aiful	N/A	N/A	N/A

Analyst Recommendations

This is a breakdown of current ratings and price targets for FirstCash and Aiful, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FirstCash	0	2	3	1	2.83
Aiful	0	0	0	0	0.00

FirstCash currently has a consensus price target of $199.25, suggesting a potential downside of 4.82%. Given FirstCash’s stronger consensus rating and higher probable upside, research analysts clearly believe FirstCash is more favorable than Aiful.

Institutional & Insider Ownership

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

Earnings and Valuation

This table compares FirstCash and Aiful”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FirstCash	$3.66 billion	2.48	$330.38 million	$8.76	23.90
Aiful	N/A	N/A	N/A	$19.42	0.07

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

Summary

FirstCash beats Aiful on 11 of the 12 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 Aiful

Aiful Corporation engages in the consumer finance and credit guarantee business in Japan. The company offers unsecured and small business loans; and credit card, prepaid card, credit guarantee, debt collection, venture capital, receiving agent, corporate turnaround and restructuring, warehouse, document management, and leasing services, as well as used car and medical loans. It also provides postpay settlement, factoring, and installment credit sales services. The company was formerly known as Marutaka, Inc. and changed its name to Aiful Corporation in May 1982. Aiful Corporation was founded in 1967 and is headquartered in Kyoto, Japan.