BCS vs FCFS vs HTT Stock Comparison

Barclays, FirstCash Holdings and High Templar Tech Prices as of Nov 3, 2026 Peers: Industry group
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BCS Barclays Plc
$22.41 -5.4% 1M +4.2% 1Y
Market cap
$83.40B
P/E
7.7x
Revenue (TTM)
$41.50B
Div. yield
–
Money Center Banks Financial Services
5 wins
FCFS FirstCash Holdings, Inc.
$194.51 -7.5% 1M +22.5% 1Y
Market cap
$8.32B
P/E
20.5x
Revenue (TTM)
$4.29B
Div. yield
–
Consumer Lending Financial Services
4 wins
HTT High Templar Tech Ltd
$1.77 -23.7% 1M -64.0% 1Y
Market cap
$752.71M
P/E
–
Revenue (TTM)
—
Div. yield
–
Consumer Lending Financial Services

Head to Head

9 decided of 12

Barclays leads on 5 of the 12 questions below (Barclays 5, FirstCash Holdings 4). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionBCSFCFSHTTLeader
Larger companyMarket capitalisation $83.40B $8.32B $752.71M BCS
Cheaper on earningsLower P/E, profitable companies only 7.7x 20.5x — BCS
Cheaper on forward earningsLower price / next fiscal year consensus EPS 7.7x 17.0x — BCS
Faster revenue growthRevenue growth, trailing twelve months +9.5% +22.9% — FCFS
More profitableNet margin, trailing twelve months 26.0% 9.5% — BCS
Better return on capitalReturn on invested capital — 8.7% — –
Less leveragedLower net debt / EBITDA — 3.3x — –
Higher dividend yieldTrailing dividend yield 0.00% 0.00% 0.00% –
Better 1-year returnPrice return, last 12 months +4.2% +22.5% -64.0% FCFS
Better 5-year returnAnnualised price return, 5 years +16.3%/yr +17.8%/yr +0.9%/yr FCFS
Less volatileAnnualised volatility, 1 year 31.3% 36.7% 56.6% BCS
Higher overall scoreMean of the five percentile scores vs peers 46/100 58/100 — FCFS

Percentile Scorecard

BCSFCFSHTT

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisBCSFCFSHTT
Valuation 99 #5 of 360 47 #89 of 168 –
Growth 68 #112 of 344 74 #43 of 163 –
Profitability 12 #303 of 345 77 #36 of 154 –
Financial Health 3 #329 of 339 65 #57 of 162 93 #12 of 162
Shareholder Returns 49 #181 of 352 27 #100 of 137 –
Overall 46 58 –
  • BCS ranked among 368 companies in Banking
  • FCFS ranked among 173 companies in Lending and Credit
  • HTT ranked among 173 companies in Lending and Credit

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodBCSFCFSHTTSPY
1 month -5.4%-7.5%-23.7% -2.0%
3 months -20.0%-9.5%-29.8% -2.2%
6 months -1.8%-13.4%-25.9% +4.2%
Year to date -11.9%+22.0%-50.1% +10.6%
1 year +4.2%+22.5%-64.0% +10.4%
3 years +230.5%+78.3%+0.6% +73.6%
3 years, per year +49.0%+21.3%+0.2% +20.2%
5 years +112.8%+126.7%+4.7% +61.6%
5 years, per year +16.3%+17.8%+0.9% +10.1%
10 years +144.9%+331.8%— +261.3%
10 years, per year +9.4%+15.8%— +13.7%

Risk

MeasureBCSFCFSHTTSPY
Volatility, 1Y 31.3%36.7%56.6% 12.8%
Downside volatility, 1Y 32.3%41.0%59.8% 12.8%
Beta vs S&P 500, 1Y 1.610.771.14 1.00
Return / volatility, 1Y 0.130.61-1.13 0.81
Max drawdown, 5Y -50.0%-30.6%-64.7% -25.4%
From 52-week high -21.5%-17.7%-64.2% -3.2%
52-week high $28.56$236.43$4.95 $779.14
52-week low $20.07$148.05$1.77 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleBCSFCFSHTT
P/E now vs peer median 7.3xmedian 12.4x 20.6xmedian 11.8x —median 11.8x
P/S now vs peer median 1.9xmedian 3.5x 1.9xmedian 2.7x —median 2.7x
EV/EBITDA now vs peer median —median 4.9x 15.4xmedian 13.1x —median 13.1x
P/FCF now vs peer median —median 11.0x 16.1xmedian 6.0x —median 6.0x
P/B now vs peer median 0.8xmedian 1.2x 3.7xmedian 0.7x 0.5xmedian 0.7x
PEG now vs peer median 0.41median 1.33 0.90median 0.33 —median 0.33

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsBCSFCFSHTT
Revenue $41.50B $4.29B –
Gross profit – $2.15B –
Operating income – $553.59M –
Net income $10.83B $406.49M –
Free cash flow – $518.18M –
EPS (diluted) $2.95 $9.38 –
Cash & equivalents $335.17B $203.16M $561.74M
Total debt $302.10B $2.45B $332.49M
Shares (diluted) 3.65B 43.34M 500.73M
Enterprise value -$1.63T $7.69B -$2.28B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricBCSFCFSHTT
P/E 7.3x 20.6x –
P/FCF – 16.1x –
P/Operating cash flow – 12.3x –
P/S 1.9x 1.9x –
P/B 0.8x 3.7x 0.5x
P/Tangible book 0.8x 4.0x 0.5x
EV/EBITDA – 15.4x –
EV/EBIT -1.8x 19.1x –
EV/Revenue -1.5x 2.5x –
EV/FCF – 20.4x –
EV/Operating cash flow – 15.6x –
PEG (3Y EPS CAGR) 0.41 0.90 –

Growth

14 metrics
MetricBCSFCFSHTT
Revenue growth (1Y) 9.5% 22.9% –
Revenue CAGR (3Y) 9.8% 12.0% –
Gross profit growth (1Y) – 23.3% –
Gross profit CAGR (3Y) – 14.4% –
Operating income growth (1Y) – 33.6% –
Operating income CAGR (3Y) – 22.3% –
Net income growth (1Y) 19.1% 31.2% –
Net income CAGR (3Y) 10.5% 20.9% –
EPS growth (1Y) 29.0% 34.7% –
EPS CAGR (3Y) 17.8% 22.8% –
Operating cash flow growth (1Y) – 17.6% –
Operating cash flow CAGR (3Y) – 13.8% –
Free cash flow growth (1Y) – 14.7% –
Free cash flow CAGR (3Y) – 8.8% –

Profitability

14 metrics
MetricBCSFCFSHTT
Gross margin – 50.2% –
EBITDA margin – 16.0% –
Operating margin – 12.9% –
Pretax margin 33.1% 12.9% –
Net margin 26.0% 9.5% –
FCF margin – 12.1% –
Operating cash flow margin – 15.8% –
Return on equity 10.4% 17.7% –
Return on assets 0.5% 7.4% –
Return on invested capital – 8.7% –
Return on capital employed – 10.9% –
Asset turnover 0.0x 0.8x –
Cash conversion (OCF / net income) – 1.7x –
Stock comp / revenue – 0.5% –

Financial Health

11 metrics
MetricBCSFCFSHTT
Debt / assets 13.1% 44.0% 16.0%
Debt / equity 2.9x 1.1x 0.2x
Net debt / EBITDA – 3.3x –
Debt / FCF – 4.7x –
Liabilities / assets 95.5% 59.1% 21.2%
Equity / assets 4.5% 40.9% 78.8%
Interest coverage 1.6x 3.9x –
Current ratio – 4.8x 4.8x
Quick ratio – 0.5x 2.4x
Cash ratio – 0.5x 2.4x
Altman Z-score – 3.46 –

Shareholder Returns

7 metrics
MetricBCSFCFSHTT
Dividend yield 2.8% 0.9% –
Net buyback yield – 3.3% –
Shareholder yield 2.8% 4.2% –
Payout ratio (earnings) – – –
Payout ratio (FCF) – – –
Dividend growth (1Y) – – –
Dividend CAGR (3Y) – – –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusBCSFCFSHTT
Forward P/E 7.7xFY2026 17.0xFY2026 –
EPS, next fiscal year $2.91FY2026 $11.43FY2026 $-0.04FY2024
EPS growth, next FY +26.0%FY2026 +30.5%FY2026 -233.3%FY2024
EPS growth, the year after +12.7% +8.7% –
Revenue, next fiscal year $42.91BFY2026 $4.25BFY2026 $47.00MFY2024
Revenue growth, next FY +7.7%FY2026 +16.2%FY2026 +164.2%FY2024
Revenue growth, the year after -4.3% +2.9% –

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersBCSFCFSHTT
Held by institutions 8.5% 97.2% 2.2%
Institutions holding 558 502 42
Change in shares held, QoQ +2.9% +2.9% -26.1%
Institutions buying 306 255 14
Institutions selling 163 166 21
Buyers to sellers 1.88 1.54 0.67

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

BCSFCFSHTT
BCS 1.00 0.27 0.17
FCFS 0.27 1.00 0.10
HTT 0.17 0.10 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, BCS, FCFS and HTT?

Barclays (BCS) is the largest by market capitalisation: Barclays (BCS) $83.40B, FirstCash Holdings (FCFS) $8.32B, High Templar Tech (HTT) $752.71M.

Which stock is cheaper, BCS, FCFS and HTT?

Barclays (BCS) trades on the lowest price-to-earnings ratio (Barclays (BCS) 7.7x, FirstCash Holdings (FCFS) 20.5x). On next year's consensus earnings, Barclays (BCS) is cheapest (Barclays (BCS) 7.7x, FirstCash Holdings (FCFS) 17.0x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

FirstCash Holdings (FCFS) grew revenue fastest over the trailing twelve months: Barclays (BCS) +9.5%, FirstCash Holdings (FCFS) +22.9%.

Which company is more profitable?

Barclays (BCS) has the highest net margin (Barclays (BCS) 26.0%, FirstCash Holdings (FCFS) 9.5%).

Which stock has performed better?

Over the past year FirstCash Holdings (FCFS) returned the most: Barclays (BCS) +4.2%, FirstCash Holdings (FCFS) +22.5%, High Templar Tech (HTT) -64.0%. Over five years, FirstCash Holdings (FCFS) compounded fastest (Barclays (BCS) +16.3%/yr, FirstCash Holdings (FCFS) +17.8%/yr, High Templar Tech (HTT) +0.9%/yr). Returns are price only, before dividends.

Which stock is riskier?

By one-year price volatility, Barclays (BCS) has been the steadiest (Barclays (BCS) 31.3%, FirstCash Holdings (FCFS) 36.7%, High Templar Tech (HTT) 56.6%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, BCS, FCFS and HTT?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Barclays (BCS) leads on 5. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.