FirstCash (NASDAQ:FCFS) and Intrum AB (publ) (OTCMKTS:ITJTY) Financial Comparison

Intrum AB (publ) (OTCMKTS:ITJTY) and FirstCash (NASDAQ:FCFS) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, dividends, risk, profitability, valuation and earnings.

Profitability

This table compares Intrum AB (publ) and FirstCash’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Intrum AB (publ)	N/A	N/A	N/A
FirstCash	9.42%	19.65%	8.38%

Insider and Institutional Ownership

80.3% of FirstCash shares are owned by institutional investors. 2.9% of FirstCash shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of current ratings and target prices for Intrum AB (publ) and FirstCash, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Intrum AB (publ)	0	0	0	0	0.00
FirstCash	0	1	4	1	3.00

FirstCash has a consensus target price of $249.00, indicating a potential upside of 19.29%. Given FirstCash’s stronger consensus rating and higher possible upside, analysts plainly believe FirstCash is more favorable than Intrum AB (publ).

Valuation & Earnings

This table compares Intrum AB (publ) and FirstCash”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Intrum AB (publ)	N/A	N/A	N/A	$12.65	0.02
FirstCash	$3.66 billion	2.47	$330.38 million	$8.76	23.83

FirstCash has higher revenue and earnings than Intrum AB (publ). Intrum AB (publ) 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 Intrum AB (publ) on 11 of the 12 factors compared between the two stocks.

About Intrum AB (publ)

Intrum AB (publ), together with its subsidiaries, provides credit management services in Europe and internationally. The company offers credit optimization services, including credit monitoring, credit decision, factoring, and credit information services; and debt collection comprising surveillance and purchase services. It also provides payment services, such as reminder, payment guarantee, and VAT services; e-commerce services comprising credit management, payment solutions, and collection services; accounts receivables services that include invoice, payment booking, monitoring of due dates, reminder, and collection services; and financing and portfolio investment services. Intrum AB (publ) was founded in 1923 and is headquartered in Stockholm, Sweden.

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.