FirstCash vs Jackson Financial

This page compares FirstCash and Jackson Financial, examining their business models, financial performance, and market context in a neutral, accessible way. It presents benchmarked considerations, strategic contrasts, and sector positioning to help readers understand where each company stands. Educational content, not financial advice.

This page compares FirstCash and Jackson Financial, examining their business models, financial performance, and market context in a neutral, accessible way. It presents benchmarked considerations, str...

Comparison Snapshot

Key Financial Metrics

FCFS

Metric

JXN

$7.44B

Market Cap

$7.50B

3.92%

Potential Profit

3.57%

Buy

Analyst Rating

Hold

Investment Analysis

FirstCash

FCFS

Pros

FirstCash has a diversified geographic presence, operating pawn stores in the U.S., Mexico, and Latin America, which helps spread regional risks.
The company’s business model targets cash and credit-constrained consumers, a stable segment with ongoing demand for pawn and alternative financial services.
Strong institutional ownership at over 80% reflects market confidence and stability in FirstCash’s stock.

Considerations

FirstCash’s valuation multiples such as P/E ratio and price/book are higher than the sector averages, indicating potentially premium pricing.
The pawn loan business is cyclical and sensitive to consumer discretionary spending and economic downturns, which may impact loan volumes and asset forfeitures.
Institutional selling activity and low insider shareholding might suggest limited recent insider conviction and possible execution or growth concerns.

Jackson Financial

JXN

Pros

Jackson Financial operates in the life insurance and retirement services sector, benefiting from ageing demographics that drive demand for retirement products.
The company has a significant market presence in the U.S. with a focus on annuities and asset management, which tend to offer recurring revenue streams.
Recent financial filings indicate a stable balance sheet and regulatory compliance, supporting operational resilience.

Considerations

Jackson Financial is exposed to interest rate risk given its insurance liabilities and investment portfolio, which can affect profitability.
Competitive pressures in the insurance and annuity market may limit pricing power and growth potential.
The company’s stock liquidity and market capitalisation are lower relative to major industry peers, potentially increasing volatility and investor risk.

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.

Jackson Financial (JXN)

Jackson Financial Inc. is a US-based financial services company that helps financial professionals and their clients navigate the complexities of retirement planning. Its primary business revolves around offering a diverse suite of annuity products designed to provide income and savings solutions for retirement. The company operates through three main segments: Retail Annuities, which includes variable and fixed index annuities; Institutional Products, offering investment contracts to organisations; and Closed Life and Annuity Blocks, which manages older life insurance and annuity policies. By focusing on the US retail investor market, Jackson Financial aims to be a key player in helping Americans prepare for their financial future. As with any investment, the value can go down as well as up, and returns are not guaranteed.

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

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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