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FirstCash Holdings, Inc.NasdaqGS:FCFS Stock Report

Market Cap US$9.4b
Share Price
n/a
1Y61.7%
7D-5.9%
1D-2.1%
Portfolio Value
​
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FirstCash Holdings, Inc.

NasdaqGS:FCFS Stock Report

Market Cap: US$9.4b

FirstCash Holdings (FCFS) Stock Overview

Operates retail pawn stores in the United States, Mexico, rest of Latin America, and the United Kingdom. More details

FCFS fundamental analysis
Snowflake Score
Valuation0/6
Future Growth1/6
Past Performance5/6
Financial Health3/6
Dividends4/6

Rewards

Earnings are forecast to grow 16.98% per year

Earnings grew by 26.1% over the past year

Risk Analysis

Has a high level of debt

Significant insider selling over the past 3 months


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FirstCash Holdings, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for FirstCash Holdings
Historical stock prices
Current Share PriceUS$210.06
52 Week HighUS$235.97
52 Week LowUS$119.21
Beta0.53
1 Month Change-6.59%
3 Month Change3.68%
1 Year Change61.66%
3 Year Change115.40%
5 Year Change180.49%
Change since IPO8,444.81%

Recent News & Updates

Seeking Alpha • Jun 04

FirstCash Holdings: Strong Business, But The Valuation Leaves Little Margin Of Safety

Summary FirstCash Holdings demonstrates operational strength and market dominance, but its current valuation reflects overly optimistic growth expectations. FCFS trades at 27x P/E and 4x P/B, significantly above sector averages, suggesting limited margin of safety despite record Q1 revenues and robust pawnshop operations. Risks include regulatory threats in Latin America, rising AFF segment write-offs, increased debt, and a symbolic 0.75% dividend yield that fails to offset heightened risk. While FCFS remains a resilient business with strong geographic positioning, current pricing does not present a buying opportunity given valuation and risk profile. Read the full article on Seeking Alpha

Recent updates

Seeking Alpha • Jun 04

FirstCash Holdings: Strong Business, But The Valuation Leaves Little Margin Of Safety

Summary FirstCash Holdings demonstrates operational strength and market dominance, but its current valuation reflects overly optimistic growth expectations. FCFS trades at 27x P/E and 4x P/B, significantly above sector averages, suggesting limited margin of safety despite record Q1 revenues and robust pawnshop operations. Risks include regulatory threats in Latin America, rising AFF segment write-offs, increased debt, and a symbolic 0.75% dividend yield that fails to offset heightened risk. While FCFS remains a resilient business with strong geographic positioning, current pricing does not present a buying opportunity given valuation and risk profile. Read the full article on Seeking Alpha
Analysis Article • Apr 25

Results: FirstCash Holdings, Inc. Exceeded Expectations And The Consensus Has Updated Its Estimates

As you might know, FirstCash Holdings, Inc. ( NASDAQ:FCFS ) just kicked off its latest quarterly results with some very...
Analysis Article • Nov 03

FirstCash Holdings, Inc. (NASDAQ:FCFS) Just Beat EPS By 7.5%: Here's What Analysts Are Forecasting For Next Year

A week ago, FirstCash Holdings, Inc. ( NASDAQ:FCFS ) came out with a strong set of third-quarter numbers that could...
Seeking Alpha • Jan 03

FirstCash: Strong Core Pawn In The U.S., But Challenges Elsewhere

Summary FirstCash's U.S. pawn operations are performing well, but challenges persist in Latin American pawn and U.S. POS financing operations. The U.S. pawn business has benefitted from more limited consumer financing options and higher funding costs, but loan growth in the LatAm operations has been more lackluster of late. The POS financing business remains a concern, as the business generates weaker near-term margins and same-store volumes, but credit quality performance has been pretty steady. FirstCash should generate double-digit core free cash flow growth, and the LatAm pawn operations still average above-average growth potential, and the risk/reward for the shares is more interesting now. Read the full article on Seeking Alpha
Seeking Alpha • Jul 27

FirstCash: Strong Core Pawn Results, But Some Yellow Flags Elsewhere

Summary FirstCash reported better than expected Q2 results, with revenue up 11% on strong U.S. pawn lending and better than expected margins. A tighter consumer credit environment is benefiting the core pawn business, and demand should remain strong in 2024 even though comps get tougher in the U.S. business in 2H'24. The American First Finance POS business isn't performing as well; credit quality remains solid, but I'm concerned about the very weak same-door volume trends. Long-term revenue growth of around 7% and low double-digit FCF growth can support a fair value in the $120's, making this a decent long-term holding to consider. Read the full article on Seeking Alpha
Seeking Alpha • Apr 09

FirstCash Stands To Benefit From Pressures On Both Consumers And Other Lenders

Summary FirstCash's access to attractively priced capital and ability to expand credit availability when many rivals are forced to pull back is a key advantage right now. Regulatory changes targeting banks' capital and fees could further reduce credit availability and drive more customers toward FirstCash's small-value loans. The pawn business, which generates the majority of profits, has seen double-digit growth in loans outstanding and fees, helped by pressures on both customers and other credit providers. FirstCash isn't as cheap as I'd like, but should still generate a respectable return from here with execution-driven upside. Read the full article on Seeking Alpha

Shareholder Returns

FCFSUS Consumer FinanceUS Market
7D-5.9%-1.8%-0.9%
1Y61.7%2.4%19.4%

Return vs Industry: FCFS exceeded the US Consumer Finance industry which returned 2.4% over the past year.

Return vs Market: FCFS exceeded the US Market which returned 19.4% over the past year.

Price Volatility

Is FCFS's price volatile compared to industry and market?
FCFS volatility
FCFS Average Weekly Movement4.6%
Consumer Finance Industry Average Movement6.8%
Market Average Movement7.2%
10% most volatile stocks in US Market16.7%
10% least volatile stocks in US Market3.2%

Stable Share Price: FCFS has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: FCFS's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
198820,000Rick Wesselfirstcash.com

FirstCash Holdings, Inc., together with its subsidiaries, operates retail pawn stores in the United States, Mexico, rest of Latin America, and the United Kingdom. The company operates through four segments: U.S. Pawn, Latin America Pawn, U.K.

FirstCash Holdings, Inc. Fundamentals Summary

How do FirstCash Holdings's earnings and revenue compare to its market cap?
FCFS fundamental statistics
Market capUS$9.41b
Earnings (TTM)US$354.49m
Revenue (TTM)US$3.88b
26.0x
P/E Ratio
2.4x
P/S Ratio

Is FCFS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FCFS income statement (TTM)
RevenueUS$3.88b
Cost of RevenueUS$1.61b
Gross ProfitUS$2.27b
Other ExpensesUS$1.92b
EarningsUS$354.49m

Last Reported Earnings

Mar 31, 2026

Next Earnings Date

Jul 23, 2026

Earnings per share (EPS)8.09
Gross Margin58.57%
Net Profit Margin9.15%
Debt/Equity Ratio98.1%

How did FCFS perform over the long term?

See historical performance and comparison

Dividends

0.8%
Current Dividend Yield
20%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/07/14 21:48
End of Day Share Price 2026/07/14 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

FirstCash Holdings, Inc. is covered by 18 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Elizabeth Pierce LaddAscendiant Capital Markets LLC
Gilberto GarciaBarclays
John RowanBrean Capital Historical (Janney Montgomery)