FCFS Stock Analysis: FirstCash | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 9.313m USD | 12M Return: 62.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 106M
EPS Trend: 98.5%
Qual. Beats: 6
Rev. Trend: 95.8%
Qual. Beats: 3
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
FirstCash Holdings, Inc. (NASDAQ: FCFS) is a Fort Worth, Texas-based consumer finance company that operates retail pawn stores across the United States, Mexico, the rest of Latin America, and the United Kingdom, organized into four segments: U.S. Pawn, Latin America Pawn, U.K. Pawn, and Retail POS Payment Solutions. The company serves cash and credit-constrained consumers through a dual-revenue pawn model that lends money against pledged personal property such as jewelry, electronics, tools, appliances, sporting goods, and musical instruments, and then resells merchandise acquired through collateral forfeitures. FirstCash was incorporated in 1988 and has traded on the NASDAQ since 1991, adopting its current holding-company name in December 2021.
Beyond its core pawn operations, FirstCash provides retail point-of-sale payment solutions, including lease-to-own (LTO) products and other retail financing options distributed through traditional and e-commerce merchant partners. Pawn lending is a form of non-recourse, small-dollar short-term credit in which the pledged item itself serves as collateral, allowing lenders like FirstCash to mitigate default risk through resale of the collateral rather than collection actions, which distinguishes the segment from most other consumer finance subsectors.
- Gold price strength lifts pawn merchandise gross margins
- Latin America pawn segment fuels same-store revenue growth
- Retail POS payment solutions segment scales with LTO demand
| Net Income: 354.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA -0.56 > 1.0 |
| NWC/Revenue: 38.84% < 20% (prev 30.23%; Δ 8.61% < -1%) |
| CFO/TA 0.11 > 3% & CFO 612.9m > Net Income 354.5m |
| Net Debt (2.84b) to EBITDA (1.04b): 2.73 < 3 |
| Current Ratio: 4.77 > 1.5 & < 3 |
| Outstanding Shares: last quarter (44.2m) vs 12m ago -1.61% < -2% |
| Gross Margin: 49.72% > 18% (prev 49.69%; Δ 0.03% > 0.5%) |
| Asset Turnover: 79.21% > 50% (prev 76.56%; Δ 2.65% > 0%) |
| Interest Coverage Ratio: 4.75 > 6 (EBIT TTM 609.8m / Interest Expense TTM 128.3m) |
| A: 0.28 (Total Current Assets 1.91b - Total Current Liabilities 399.7m) / Total Assets 5.36b |
| B: 0.33 (Retained Earnings 1.76b / Total Assets 5.36b) |
| C: 0.12 (EBIT TTM 609.8m / Avg Total Assets 4.89b) |
| D: 0.75 (Book Value of Equity 2.30b / Total Liabilities 3.06b) |
| Altman-Z'' = 4.54 = AA |
| DSRI: 1.35 (Receivables 1.11b/716.0m, Revenue 3.88b/3.39b) |
| GMI: 1.00 (GM 49.69% / 49.72%) |
| AQI: 0.91 (AQ_t 0.42 / AQ_t-1 0.46) |
| SGI: 1.14 (Revenue 3.88b / 3.39b) |
| TATA: -0.05 (NI 354.5m - CFO 612.9m) / TA 5.36b) |
| Beneish M = -2.69 (Cap -4..+1) = A |
As of July 02, 2026, the stock is trading at USD 216.32 with a total of 503,964 shares traded. Over the past week, the price has changed by -0.21%, over one month by +2.18%, over three months by +15.21% and over the past year by +62.78%.
Current recommended Stop Loss: 195.40 (which is 9.7% or 2.5 ATR below the current price).
FirstCash has received a consensus analysts rating of 4.20. Therefore, it is recommended to buy FCFS.
- StrongBuy: 3
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 239.3 | 10.6% |
P/E Trailing = 26.5895
P/E Forward = 19.6464
P/S = 2.4026
P/B = 4.0526
P/EG = 1.1676
Revenue TTM = 3.88b USD
EBIT TTM = 609.8m USD
EBITDA TTM = 1.04b USD
Long Term Debt = 2.25b USD (from longTermDebt, last quarter)
Short Term Debt = 104.8m USD (from shortTermDebt, last quarter)
Debt = 2.97b USD (from shortLongTermDebtTotal, last quarter) + Leases 356.8m
Net Debt = 2.84b USD (calculated: Debt 2.97b - CCE 130.7m)
Enterprise Value = 12.2b USD (9.31b + Debt 2.97b - CCE 130.7m)
Interest Coverage Ratio = 4.75 (Ebit TTM 609.8m / Interest Expense TTM 128.3m)
EV/FCF = 22.06x (Enterprise Value 12.2b / FCF TTM 550.8m)
FCF Yield = 4.53% (FCF TTM 550.8m / Enterprise Value 12.2b)
FCF Margin = 14.21% (FCF TTM 550.8m / Revenue TTM 3.88b)
Net Margin = 9.15% (Net Income TTM 354.5m / Revenue TTM 3.88b)
Gross Margin = 49.72% ((Revenue TTM 3.88b - Cost of Revenue TTM 1.95b) / Revenue TTM)
Gross Margin QoQ = 48.58% (prev 50.06%)
Tobins Q-Ratio = 2.27 (Enterprise Value 12.2b / Total Assets 5.36b)
Interest Expense / Debt = 4.32% (Interest Expense 128.3m / Debt 2.97b)
Taxrate = 26.37% (127.0m / 481.5m)
NOPAT = 449.0m (EBIT 609.8m * (1 - 26.37%))
Current Ratio = 4.77 (Total Current Assets 1.91b / Total Current Liabilities 399.7m)
Debt / Equity = 1.29 (Debt 2.97b / totalStockholderEquity, last quarter 2.30b)
Debt / EBITDA = 2.73 (Net Debt 2.84b / EBITDA 1.04b)
Debt / FCF = 5.15 (Net Debt 2.84b / FCF TTM 550.8m)
Total Stockholder Equity = 2.23b (last 4 quarters mean from totalStockholderEquity)
RoA = 7.24% (Net Income 354.5m / Total Assets 5.36b)
RoE = 15.91% (Net Income TTM 354.5m / Total Stockholder Equity 2.23b)
RoCE = 13.60% (EBIT 609.8m / Capital Employed (Equity 2.23b + L.T.Debt 2.25b))
RoIC = 9.10% (NOPAT 449.0m / Invested Capital 4.94b)
WACC = 6.51% (E(9.31b)/V(12.3b) * Re(7.57%) + D(2.97b)/V(12.3b) * Rd(4.32%) * (1-Tc(0.26)))
Discount Rate = 7.57% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -65.28 | Cagr: -1.96%
[DCF] Terminal Value 77.95% ; FCFF base≈522.3m ; Y1≈598.0m ; Y5≈877.4m
[DCF] Fair Price = 236.6 (EV 13.2b - Net Debt 2.84b = Equity 10.4b / Shares 43.8m; r=8.35% [WACC [floored]]; 5y FCF grow 14.86% → 2.50% )
EPS Correlation: 98.50 | EPS CAGR: 20.46% | SUE: 2.45 | # QB: 6
Revenue Correlation: 95.82 | Revenue CAGR: 8.36% | SUE: 1.34 | # QB: 3
EPS current Quarter (2026-09-30): EPS=2.73 | Chg30d=+0.27% | Revisions=+20% | Analysts=5
EPS current Year (2026-12-31): EPS=10.92 | Chg30d=+0.01% | Revisions=+60% | GrowthEPS=+24.6% | GrowthRev=+16.8%
EPS next Year (2027-12-31): EPS=12.51 | Chg30d=+0.77% | Revisions=+20% | GrowthEPS=+14.6% | GrowthRev=+9.4%
[Analyst] Revisions Ratio: +60%