FirstCash Holdings, Inc

FirstCash Holdings, Inc

FCFSยทNASDAQ

$220.22

+3.0%
Financial ServicesFinancial - Credit Services

FirstCash Holdings, Inc, together with its subsidiaries, operates retail pawn stores in the United States, Mexico, and rest of Latin America. Its pawn stores lend money on the collateral of pledged personal property, including jewelry, electronics, tools, appliances, sporting goods, and musical instruments; and retails merchandise acquired through collateral forfeitures on forfeited pawn loans and over-the-counter purchases of merchandise directly from customers. The company is also involved in melting scrap jewelry, as well as sells gold, silver, and diamonds in commodity markets. As of December 31, 2021, it operated 1,081 stores in the United States and the District of Columbia; 1,656 stores in Mexico; 60 stores in Guatemala; 13 stores in El Salvador; and 15 stores in Colombia. The company was incorporated in 1988 and is headquartered in Fort Worth, Texas.

At a Glance

Live Snapshot
Market Cap$9.65B
EPS7.3500
P/E Ratio29.96
Earnings Date07/23/2026
FirstCash Holdings, Inc

FirstCash Holdings, Inc Fair Value Envelope

FCFS ยท NASDAQ

Our analysis suggests that FCFS has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $220.22, this represents a potential HIDDEN relative to our calculated worth for FirstCash Holdings, Inc.

Intrinsic Value
Current Price: $220.22

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$7.9B
+ Cash & Equivalents$125.2M
Firm Value$8.0B
- Debt$2.8B
Equity Value$5.2B
/ Shares Outstanding44,490,264B
DCF Value$116
OVERVALUED BY 47%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$582.7M
$579.5M
$576.3M
$573.1M
$570.0M
$566.9M
$563.7M
$560.6M
$557.6M
$554.5M
Maintenance CapEx
-$23.2M
-$23.1M
-$23.0M
-$22.9M
-$22.7M
-$22.6M
-$22.5M
-$22.4M
-$22.2M
-$22.1M
Owner Earnings
$559.5M
$556.4M
$553.3M
$550.3M
$547.3M
$544.3M
$541.3M
$538.3M
$535.3M
$532.4M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$518.0M
$477.0M
$439.3M
$404.5M
$372.5M
$343.0M
$315.8M
$290.8M
$267.8M
$246.6M
Terminal Value represents 53.3% of Enterprise Value