FCFS vs. TRV
FCFS (FirstCash, Inc.) and TRV (The Travelers Companies, Inc.) are both stocks. Both are in the Financial Services sector — FCFS in Credit Services, TRV in Insurance - Property & Casualty. Over the past 10 years, FCFS returned 17.90%/yr vs 13.48%/yr for TRV. At a 0.25 correlation, their price movements are largely independent.
Performance
FCFS vs. TRV - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, FCFS achieves a 40.82% return, which is significantly higher than TRV's 10.13% return. Over the past 10 years, FCFS has outperformed TRV with an annualized return of 17.90%, while TRV has yielded a comparatively lower 13.48% annualized return.
FCFS
- 1D
- -2.35%
- 1M
- -1.79%
- YTD
- 40.82%
- 6M
- 38.34%
- 1Y
- 73.44%
- 3Y*
- 35.67%
- 5Y*
- 24.40%
- 10Y*
- 17.90%
TRV
- 1D
- 2.04%
- 1M
- 3.86%
- YTD
- 10.13%
- 6M
- 9.23%
- 1Y
- 20.32%
- 3Y*
- 24.40%
- 5Y*
- 18.42%
- 10Y*
- 13.48%
FCFS vs. TRV - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FCFS FirstCash, Inc. | 40.82% | 55.68% | -3.20% | 26.45% | 18.03% | 8.47% | -11.74% | 12.72% | 8.48% | 45.56% |
TRV The Travelers Companies, Inc. | 10.13% | 22.38% | 28.76% | 3.93% | 22.42% | 13.96% | 5.31% | 17.00% | -9.64% | 13.36% |
Correlation
The correlation between FCFS and TRV is 0.24, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.24 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.25 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.30 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.31 |
Correlation (All Time) Calculated using the full available price history since Apr 22, 1996 | 0.25 |
Fundamentals
FCFS:
$10.56
TRV:
$33.83
FCFS:
21.16
TRV:
9.37
FCFS:
0.75
TRV:
0.43
FCFS:
1.94
TRV:
1.46
FCFS:
$3.88B
TRV:
$48.94B
FCFS:
$2.47B
TRV:
$16.00B
FCFS:
$957.95M
TRV:
$8.15B
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
FCFS vs. TRV — Risk / Return Rank
FCFS
TRV
FCFS vs. TRV - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for FirstCash, Inc. (FCFS) and The Travelers Companies, Inc. (TRV). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| FCFS | TRV | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.38 | ||
| Sortino ratioReturn per unit of downside risk | +1.30 | ||
| Omega ratioGain probability vs. loss probability | 1.42 | 1.20 | +0.22 |
| Calmar ratioReturn relative to maximum drawdown | 5.79 | 2.46 | +3.33 |
| Martin ratioReturn relative to average drawdown | 23.71 | 6.02 | +17.68 |
Loading charts...
Drawdowns
FCFS vs. TRV - Drawdown Comparison
The maximum FCFS drawdown since its inception was -90.26%, which is greater than TRV's maximum drawdown of -55.11%. Use the drawdown chart below to compare losses from any high point for FCFS and TRV.
Loading charts...
Drawdown Indicators
| FCFS | TRV | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -90.26% | -55.11% | -35.15% |
Max Drawdown (1Y)Largest decline over 1 year | -12.75% | -8.31% | -4.44% |
Max Drawdown (3Y)Largest decline over 3 years | -23.38% | -12.47% | -10.91% |
Max Drawdown (5Y)Largest decline over 5 years | -35.70% | -18.90% | -16.80% |
Max Drawdown (10Y)Largest decline over 10 years | -50.16% | -46.28% | -3.88% |
Current DrawdownCurrent decline from peak | -3.90% | 0.00% | -3.90% |
Average DrawdownAverage peak-to-trough decline | -24.22% | -11.10% | -13.12% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 3.11% | 3.39% | -0.28% |
Volatility
FCFS vs. TRV - Volatility Comparison
FirstCash, Inc. (FCFS) has a higher volatility of 13.14% compared to The Travelers Companies, Inc. (TRV) at 6.12%. This indicates that FCFS's price experiences larger fluctuations and is considered to be riskier than TRV based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| FCFS | TRV | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 13.14% | 6.12% | +7.02% |
Volatility (6M)Calculated over the trailing 6-month period | 20.70% | 12.67% | +8.03% |
Volatility (1Y)Calculated over the trailing 1-year period | 29.84% | 18.66% | +11.18% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.60% | 21.79% | +7.81% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 30.62% | 24.40% | +6.22% |
Dividends
FCFS vs. TRV - Dividend Comparison
FCFS's dividend yield for the trailing twelve months is around 0.75%, less than TRV's 1.44% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FCFS FirstCash, Inc. | 0.75% | 1.00% | 1.41% | 1.25% | 1.45% | 1.56% | 1.54% | 1.27% | 1.26% | 1.14% | 1.20% | 0.00% |
TRV The Travelers Companies, Inc. | 1.44% | 1.50% | 1.72% | 2.06% | 1.96% | 2.23% | 2.40% | 2.36% | 2.53% | 2.09% | 2.14% | 2.11% |
Financials
FCFS vs. TRV - Financials Comparison
This section allows you to compare key financial metrics between FirstCash, Inc. and The Travelers Companies, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
FCFS vs. TRV - Profitability Comparison
FCFS - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, FirstCash, Inc. reported a gross profit of 1.05B and revenue of 1.05B. Therefore, the gross margin over that period was 99.9%.
TRV - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, The Travelers Companies, Inc. reported a gross profit of 0.00 and revenue of 11.92B. Therefore, the gross margin over that period was 0.0%.
FCFS - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, FirstCash, Inc. reported an operating income of 781.38M and revenue of 1.05B, resulting in an operating margin of 74.3%.
TRV - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, The Travelers Companies, Inc. reported an operating income of 0.00 and revenue of 11.92B, resulting in an operating margin of 0.0%.
FCFS - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, FirstCash, Inc. reported a net income of 107.70M and revenue of 1.05B, resulting in a net margin of 10.2%.
TRV - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, The Travelers Companies, Inc. reported a net income of 1.71B and revenue of 11.92B, resulting in a net margin of 14.4%.
Frequently Asked Questions
FCFS and TRV have a correlation of 0.24, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FCFS has higher volatility (13.14%) compared to TRV (6.12%). In terms of maximum drawdown, FCFS dropped -90.26% vs TRV's -55.11%.
FCFS currently has the higher Sharpe Ratio (2.47 vs 1.10), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for FCFS and TRV
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer