FirstCash Holdings, Inc. - Common Stock (FCFS)

Competitors to FirstCash Holdings, Inc. - Common Stock (FCFS)

Cash America International, Inc.

Cash America, a player in the pawn and short-term lending industries, competes with FirstCash by providing similar financing options. Historically, both companies have catered to customers with limited access to traditional banking. Cash America's competitive advantage lies in its extensive network of branches, but it has faced challenges in balancing profitability with regulatory compliance, creating an opportunity for FirstCash to leverage its operational model and focus on improving customer services.

EZCORP, Inc. 

EZCORP, Inc. operates in the pawnshop and retail space, similar to FirstCash Holdings, offering pawn loans and retail merchandise. Both companies compete for market share in the same sector, appealing to customers who need quick cash solutions through pawn loans, as well as those looking to purchase second-hand goods at affordable prices. EZCORP has a diverse portfolio with a significant presence in both the U.S. and Latin America, but FirstCash's substantial scale and strategic focus on cash and merchandise offerings may provide a slight edge in operational efficiency and customer reach.

OneMain Financial 

OneMain Financial provides personal loans which compete directly with the pawn services offered by FirstCash. Customers who require funds quickly without pawning their possessions may opt for OneMain's personal loan offerings. OneMain has a strong reputation for providing accessible credit and a larger focus on personal loan services offers a competitive edge in capturing customers seeking less intrusive alternatives to pawn loans.

Pawtucket Credit Union

While primarily a credit union, Pawtucket Credit Union offers loans and financial services that could draw customers away from FirstCash’s pawn services. The competition arises as consumers seek alternative lending and financial solutions that do not involve pawnshops. Pawtucket Credit Union benefits from community trust and a broader range of financial products, which may provide a competitive advantage in customer loyalty compared to FirstCash’s specialized pawn offerings.