FCFS vs. TRV

Last updated Jun 4, 2026

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 18.83%/yr vs 12.13%/yr for TRV. At a 0.25 correlation, their price movements are largely independent.

Performance

FCFS vs. TRV - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in FirstCash, Inc. (FCFS) and The Travelers Companies, Inc. (TRV). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, FCFS achieves a 38.75% return, which is significantly higher than TRV's 0.33% return. Over the past 10 years, FCFS has outperformed TRV with an annualized return of 18.83%, while TRV has yielded a comparatively lower 12.13% annualized return.

FCFS

• 1D: 5.24%
• 1M: -0.40%
• YTD: 38.75%
• 6M: 36.27%
• 1Y: 75.73%
• 3Y*: 31.59%
• 5Y*: 23.45%
• 10Y*: 18.83%

TRV

• 1D: -0.65%
• 1M: -3.84%
• YTD: 0.33%
• 6M: 2.77%
• 1Y: 6.69%
• 3Y*: 20.50%
• 5Y*: 14.87%
• 10Y*: 12.13%

*Multi-year figures are annualized to reflect compound growth (CAGR)

FCFS vs. TRV - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FCFS FirstCash, Inc.	38.75%	55.68%	-3.20%	26.45%	18.03%	8.47%	-11.74%	12.72%	8.48%	45.56%
TRV The Travelers Companies, Inc.	0.33%	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 0.25, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.25
Correlation (3Y) Calculated over the trailing 3-year period	0.26
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 23, 1996	0.25

Fundamentals

EPS FCFS : $10.56 TRV : $33.83
PE Ratio FCFS : 20.85 TRV : 8.57
PEG Ratio FCFS : 0.74 TRV : 0.40
PS Ratio FCFS : 1.91 TRV : 1.33
Total Revenue (TTM) FCFS : $3.88B TRV : $48.94B
Gross Profit (TTM) FCFS : $2.47B TRV : $16.00B
EBITDA (TTM) FCFS : $957.95M TRV : $8.15B

Return for Risk

FCFS vs. TRV — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

FCFS

FCFS Risk / Return Rank: 93
FCFS Sharpe Ratio Rank: 93
FCFS Sortino Ratio Rank: 90
FCFS Omega Ratio Rank: 90
FCFS Calmar Ratio Rank: 93
FCFS Martin Ratio Rank: 97

TRV

TRV Risk / Return Rank: 51
TRV Sharpe Ratio Rank: 53
TRV Sortino Ratio Rank: 45
TRV Omega Ratio Rank: 43
TRV Calmar Ratio Rank: 57
TRV Martin Ratio Rank: 58

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

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.

	FCFS	TRV	Difference
Sharpe ratio Return per unit of total volatility	2.67	0.37	+2.30
Sortino ratio Return per unit of downside risk	3.23	0.64	+2.58
Omega ratio Gain probability vs. loss probability	1.45	1.08	+0.37
Calmar ratio Return relative to maximum drawdown	5.97	0.81	+5.16
Martin ratio Return relative to average drawdown	25.71	1.85	+23.86
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

FCFS vs. TRV - Sharpe Ratio Comparison

The current FCFS Sharpe Ratio is 2.67, which is higher than the TRV Sharpe Ratio of 0.37. The chart below compares the historical Sharpe Ratios of FCFS and TRV, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	FCFS	TRV	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	2.67	0.37	+2.30
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.80	0.69	+0.12
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.62	0.50	+0.12
Sharpe Ratio (All Time) Calculated using the full available price history	0.34	0.39	-0.05

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.

Drawdown Indicators

	FCFS	TRV	Difference
Max Drawdown Largest 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 Drawdown Current decline from peak	-5.31%	-6.74%	+1.43%
Average Drawdown Average peak-to-trough decline	-24.26%	-11.12%	-13.14%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.96%	3.81%	-0.85%

Volatility

FCFS vs. TRV - Volatility Comparison

FirstCash, Inc. (FCFS) has a higher volatility of 9.13% compared to The Travelers Companies, Inc. (TRV) at 4.26%. 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.

Volatility by Period

	FCFS	TRV	Difference
Volatility (1M) Calculated over the trailing 1-month period	9.13%	4.26%	+4.87%
Volatility (6M) Calculated over the trailing 6-month period	19.07%	12.08%	+6.99%
Volatility (1Y) Calculated over the trailing 1-year period	28.56%	18.37%	+10.19%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	29.36%	21.80%	+7.56%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	30.53%	24.37%	+6.16%

Dividends

FCFS vs. TRV - Dividend Comparison

FCFS's dividend yield for the trailing twelve months is around 0.76%, less than TRV's 1.52% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FCFS FirstCash, Inc.	0.76%	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.	1.52%	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 - Profitability Comparison

The chart below illustrates the profitability comparison between FirstCash, Inc. and The Travelers Companies, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

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

Can I hold both FCFS and TRV in my portfolio?

FCFS and TRV have a correlation of 0.25, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, FCFS or TRV?

FCFS has higher volatility (9.13%) compared to TRV (4.26%). In terms of maximum drawdown, FCFS dropped -90.26% vs TRV's -55.11%.

Which has better risk-adjusted returns?

FCFS currently has the higher Sharpe Ratio (2.67 vs 0.37), 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.