(FCFS) FirstCash - Overview
Sector: Financial Services | Industry: Credit Services | Exchange: NASDAQ (USA) | Market Cap: 9.974m USD | Total Return: 80% in 12m
Pawn Loans, Used Merchandise, Retail Financing, Jewelry
Total Rating 79
Safety 88
Buy Signal 1.49
Credit Services
Industry Rotation: -1.9
Industry Rotation: -1.9
Market Cap:
9.97B
Avg Turnover: 87.0M
Avg Turnover: 87.0M
Risk 3d forecast
Volatility25.2%
VaR 5th Pctl4.07%
VaR vs Median-1.78%
Reward TTM
Sharpe Ratio2.12
Rel. Str. IBD86.9
Rel. Str. Peer Group92.4
Character TTM
Beta0.374
Beta Downside0.145
Hurst Exponent0.322
Drawdowns 3y
Max DD23.38%
CAGR/Max DD1.39
CAGR/Mean DD4.77
EPS (Earnings per Share)
EPS CAGR: 27.55%
EPS Trend: 81.3%
EPS Trend: 81.3%
Last SUE: 2.45
Qual. Beats: 1
Qual. Beats: 1
Revenue
Rev. CAGR: 13.80%
Rev. Trend: 92.2%
Rev. Trend: 92.2%
Last SUE: 1.34
Qual. Beats: 3
Qual. Beats: 3
Warnings
No concerns identified
Tailwinds
Supp Ema8, Supp Ema20, Leader, Tailwind, Garp
Description: FCFS FirstCash
FirstCash Holdings, Inc. (FCFS) is a major international operator of pawn stores and retail point-of-sale (POS) payment solutions. The company provides non-recourse loans secured by personal property such as jewelry and electronics, while also selling forfeited collateral and merchandise purchased directly from consumers. Its operations span the United States, Mexico, Latin America, and the United Kingdom, focusing primarily on credit-constrained consumer segments.
The pawn industry typically exhibits counter-cyclical characteristics, as demand for small-dollar collateralized loans often increases during periods of tightened credit or economic volatility. By integrating a lease-to-own (LTO) payment platform, FirstCash diversifies its revenue streams beyond traditional physical storefronts into the e-commerce and merchant partner sectors. Investors may find additional data points regarding these segments on ValueRay to refine their analysis.
Headquartered in Fort Worth, Texas, the firm rebranded from FirstCash, Inc. to FirstCash Holdings, Inc. in late 2021 to reflect its broader financial services structure. The business model relies on a high-frequency inventory turnover strategy and the spread between loan interest rates and the retail margins on liquidated merchandise.
- Latin American expansion drives pawn loan portfolio and retail merchandise sales growth
- Demand for alternative credit increases during periods of high consumer inflation
- American First Finance integration scales lease-to-own revenue and merchant partner network
- Currency exchange rate volatility impacts consolidated earnings from Mexican and Colombian operations
- Regulatory changes to small-dollar lending laws affect pawn and retail financing margins
Piotroski VR‑10 (Strict)
6.5
| Net Income: 354.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.09 > 0.02 and ΔFCF/TA -1.46 > 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 (2.48b) to EBITDA (1.04b): 2.40 < 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 0.50%; Δ 4.92k% > 0.5%) |
| Asset Turnover: 79.21% > 50% (prev 76.56%; Δ 2.65% > 0%) |
| Interest Coverage Ratio: 4.72 > 6 (EBITDA TTM 1.04b / Interest Expense TTM 128.3m) |
Altman Z''
4.32
| 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 605.8m / Avg Total Assets 4.89b) |
| D: 0.55 (Book Value of Equity 1.68b / Total Liabilities 3.06b) |
| Altman-Z'' Score: 4.32 = AA |
Beneish M
-2.74
| DSRI: 1.35 (Receivables 1.11b/716.0m, Revenue 3.88b/3.39b) |
| GMI: 1.00 (GM 49.72% / 49.69%) |
| 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-Score: -2.74 (Cap -4..+1) = A |
What is the price of FCFS shares?
As of May 16, 2026, the stock is trading at USD 226.54 with a total of 287,049 shares traded.
Over the past week, the price has changed by -0.32%, over one month by +12.02%, over three months by +23.70% and over the past year by +79.97%.
Over the past week, the price has changed by -0.32%, over one month by +12.02%, over three months by +23.70% and over the past year by +79.97%.
Is FCFS a buy, sell or hold?
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
What are the forecasts/targets for the FCFS price?
| Analysts Target Price | 241.4 | 6.6% |
FirstCash (FCFS) - Fundamental Data Overview
as of 16 May 2026
P/E Trailing = 28.4768 P/E Forward = 21.097
P/S = 2.5731
P/B = 4.3463
P/EG = 1.1676
Revenue TTM = 3.88b USD
EBIT TTM = 605.8m 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 = 2.61b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.48b USD (from netDebt column, last quarter)
Enterprise Value = 12.45b USD (9.97b + Debt 2.61b - CCE 130.7m)
Interest Coverage Ratio = 4.72 (Ebit TTM 605.8m / Interest Expense TTM 128.3m)
EV/FCF = 24.78x (Enterprise Value 12.45b / FCF TTM 502.6m)
FCF Yield = 4.04% (FCF TTM 502.6m / Enterprise Value 12.45b)
FCF Margin = 12.97% (FCF TTM 502.6m / 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 = 2.32 (Enterprise Value 12.45b / Total Assets 5.36b)
Interest Expense / Debt = 1.32% (Interest Expense 34.5m / Debt 2.61b)
Taxrate = 25.79% (37.4m / 145.1m)
NOPAT = 449.6m (EBIT 605.8m * (1 - 25.79%))
Current Ratio = 4.77 (Total Current Assets 1.91b / Total Current Liabilities 399.7m)
Debt / Equity = 1.14 (Debt 2.61b / totalStockholderEquity, last quarter 2.30b)
Debt / EBITDA = 2.40 (Net Debt 2.48b / EBITDA 1.04b)
Debt / FCF = 4.93 (Net Debt 2.48b / FCF TTM 502.6m)
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 = 13.51% (EBIT 605.8m / Capital Employed (Equity 2.23b + L.T.Debt 2.25b))
RoIC = 10.41% (NOPAT 449.6m / Invested Capital 4.32b)
WACC = 5.99% (E(9.97b)/V(12.59b) * Re(7.30%) + D(2.61b)/V(12.59b) * Rd(1.32%) * (1-Tc(0.26)))
Discount Rate = 7.30% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares (quarterly) Correlation: -88.19 | Cagr: -1.16%
[DCF] Terminal Value 87.17% ; FCFF base≈493.4m ; Y1≈538.8m ; Y5≈681.8m
[DCF] Fair Price = 401.2 (EV 20.07b - Net Debt 2.48b = Equity 17.59b / Shares 43.8m; r=6.0% [WACC]; 5y FCF grow 10.50% → 3.0% )
EPS Correlation: 81.32 | EPS CAGR: 27.55% | SUE: 2.45 | # QB: 1
Revenue Correlation: 92.18 | Revenue CAGR: 13.80% | SUE: 1.34 | # QB: 3
EPS current Quarter (2026-06-30): EPS=2.40 | Chg30d=+2.64% | Revisions=+11% | Analysts=6
EPS next Quarter (2026-09-30): EPS=2.72 | Chg30d=+1.24% | Revisions=+0% | Analysts=6
EPS current Year (2026-12-31): EPS=10.90 | Chg30d=+3.81% | Revisions=+33% | GrowthEPS=+24.4% | GrowthRev=+17.1%
EPS next Year (2027-12-31): EPS=12.41 | Chg30d=+0.91% | Revisions=+11% | GrowthEPS=+13.9% | GrowthRev=+8.6%
[Analyst] Revisions Ratio: +33%