FirstCash Holdings, Inc.

NasdaqGS:FCFS Stock Report

Market Cap: US$9.8b

FirstCash Holdings Past Earnings Performance

Past criteria checks 5/6

FirstCash Holdings has been growing earnings at an average annual rate of 19.6%, while the Consumer Finance industry saw earnings declining at 1.1% annually. Revenues have been growing at an average rate of 16.6% per year. FirstCash Holdings's return on equity is 15.4%, and it has net margins of 9.1%.

Key information

19.61%

Earnings growth rate

19.04%

EPS growth rate

Consumer Finance Industry Growth7.20%
Revenue growth rate16.65%
Return on equity15.43%
Net Margin9.15%
Next Earnings Update23 Jul 2026

Recent past performance updates

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

Revenue & Expenses Breakdown

How FirstCash Holdings makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NasdaqGS:FCFS Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 263,8763541,2280
31 Dec 253,6613301,1560
30 Sep 253,4863101,1070
30 Jun 253,3882921,0790
31 Mar 253,3892811,0770
31 Dec 243,3892591,0790
30 Sep 243,3572451,0620
30 Jun 243,3062371,0510
31 Mar 243,2252331,0220
31 Dec 233,1522191,0000
30 Sep 233,0492309660
30 Jun 232,9352329320
31 Mar 232,8322739050
31 Dec 222,7292538770
30 Sep 222,4812038230
30 Jun 222,2091777690
31 Mar 221,9511197180
31 Dec 211,6991256760
30 Sep 211,5891286650
30 Jun 211,5501106520
31 Mar 211,5731076550
31 Dec 201,6311076730
30 Sep 201,7371286910
30 Jun 201,8301487150
31 Mar 201,8631557250
31 Dec 191,8641657180
30 Sep 191,8471597170
30 Jun 191,8251577080
31 Mar 191,7991546960
31 Dec 181,7811536830
30 Sep 181,7801736740
30 Jun 181,7851686710
31 Mar 181,7821536710
31 Dec 171,7801446750
30 Sep 171,7621136820
30 Jun 171,587836180
31 Mar 171,353805220
31 Dec 161,088604240
30 Sep 16818433140
30 Jun 16726552720
31 Mar 16712572660
31 Dec 15705612590
30 Sep 15716682610

Quality Earnings: FCFS has high quality earnings.

Growing Profit Margin: FCFS's current net profit margins (9.1%) are higher than last year (8.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: FCFS's earnings have grown by 19.6% per year over the past 5 years.

Accelerating Growth: FCFS's earnings growth over the past year (26.1%) exceeds its 5-year average (19.6% per year).

Earnings vs Industry: FCFS earnings growth over the past year (26.1%) exceeded the Consumer Finance industry 22.2%.

Return on Equity

High ROE: FCFS's Return on Equity (15.4%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/07/07 06:12
End of Day Share Price 2026/07/07 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

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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)