FirstCash vs Affiliated Managers Group

FirstCash and Affiliated Managers Group are compared on this page to illuminate differences in business models, financial performance, and market context. The content maintains a neutral, factual tone to help readers understand how these firms operate and compete within their sectors. Educational content, not financial advice.

FirstCash and Affiliated Managers Group are compared on this page to illuminate differences in business models, financial performance, and market context. The content maintains a neutral, factual tone...

Comparison Snapshot

Key Financial Metrics

FCFS

Metric

AMG

$7.44B

Market Cap

$8.97B

3.92%

Potential Profit

13.78%

Buy

Analyst Rating

Strong Buy

Investment Analysis

FirstCash

FCFS

Pros

FirstCash operates a diversified retail pawn store model across the U.S., Mexico, and Latin America, providing geographic and market diversification.
The company serves cash and credit-constrained consumers, offering stable demand for collateral-backed lending in varied economic environments.
FirstCash has a strong gross margin near 60% and consistent profitability with a net profit margin around 9%, reflecting operational efficiency.

Considerations

High debt-to-equity ratio above 100% indicates a leveraged balance sheet, which could increase financial risk in volatile markets.
The company’s P/E ratio of about 20.7x is elevated compared to sector peers, potentially signalling overvaluation relative to earnings.
Exposure to consumer spending fluctuations and regional economic risks in Latin America could affect revenue and loan performance.

Affiliated Managers Group

AMG

Pros

Affiliated Managers Group (AMG) benefits from a global network of independently operated investment affiliates, supporting diversified asset management revenue.
AMG’s business model captures management fees from diverse clients and asset classes, providing steady recurring income.
Strong brand presence in the asset management industry helps AMG attract inflows and grow assets under management (AUM) over time.

Considerations

Revenue and profitability for AMG are sensitive to market fluctuations and asset price volatility, impacting management fees.
AMG faces execution risks from maintaining strong affiliate performance and managing regulatory compliance in multiple jurisdictions.
Competition within the asset management sector is intense, which could pressure fee rates and growth prospects.

About The Companies

FirstCash (FCFS)

FirstCash Holdings (ticker: FCFS) operates a large network of pawnshops and consumer financial services across the US and Latin America. The company generates revenue from merchandise sales, pawn loans and other short-term lending products, benefiting from steady, often recession-resilient cash flows and a mix of retail and credit revenue. Investors should note a market capitalisation of about $6.8bn and that profitability depends on consumer demand, interest-rate environments and used-goods resale margins. Growth comes from network expansion, same-store sales, and digital initiatives, but competition, regulation and credit risk can affect outcomes. FirstCash can suit investors seeking exposure to non-bank consumer finance and retail resale, though it carries operational and cyclical risks. This summary is educational only and not personalised financial advice; values can rise or fall and future returns are not guaranteed.

Affiliated Managers Group (AMG)

Affiliated Managers Group (AMG) is an American-based global investment management company with a distinctive business model. Instead of developing all its investment products in-house, AMG invests in a diverse range of independent, partner-owned investment firms, which it calls 'Affiliates'. This structure gives it access to a wide variety of specialised investment strategies across different asset classes. These Affiliates serve a global client base, including institutional investors, wealth clients, and high-net-worth individuals and families. AMG's investment scope covers private markets, liquid alternatives, and differentiated long-only strategies. Its Affiliates often focus on sectors with potential long-term structural tailwinds, such as infrastructure, private credit, and industrial decarbonisation. This approach aims to provide a broad and resilient offering for investors, though like all investments, its value can go down as well as up.

Which Baskets Do They Appear In?

Financially Fit

These carefully selected companies showcase exceptional financial discipline with fortress-like balance sheets. Our professional analysts have identified businesses with minimal debt and strong cash positions, giving them the resilience to thrive in any economic environment.

Published: June 18, 2025

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Corporate Dragons: The Fortresses

Meet the financial titans built on massive cash reserves and minimal debt. These carefully selected companies offer exceptional stability during economic turbulence, giving your portfolio a strong defensive anchor when markets get rough.

Published: June 17, 2025

Explore Basket

Which Baskets Do They Appear In?

Financially Fit

These carefully selected companies showcase exceptional financial discipline with fortress-like balance sheets. Our professional analysts have identified businesses with minimal debt and strong cash positions, giving them the resilience to thrive in any economic environment.

Published: June 18, 2025

Explore Basket

Corporate Dragons: The Fortresses

Meet the financial titans built on massive cash reserves and minimal debt. These carefully selected companies offer exceptional stability during economic turbulence, giving your portfolio a strong defensive anchor when markets get rough.

Published: June 17, 2025

Explore Basket

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Comparison Snapshot