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Financial Services - Financial - Credit Services - NASDAQ - US
$ 120.16
-2.33 %
$ 5.38 B
Market Cap
20.97
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FCFS stock under the worst case scenario is HIDDEN Compared to the current market price of 120 USD, FirstCash Holdings, Inc is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FCFS stock under the base case scenario is HIDDEN Compared to the current market price of 120 USD, FirstCash Holdings, Inc is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FCFS stock under the best case scenario is HIDDEN Compared to the current market price of 120 USD, FirstCash Holdings, Inc is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart FCFS

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$130.0$130.0$125.0$125.0$120.0$120.0$115.0$115.0$110.0$110.0$105.0$105.0$100.0$100.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
3.39 B REVENUE
7.51%
729 M OPERATING INCOME
7.92%
259 M NET INCOME
18.02%
540 M OPERATING CASH FLOW
29.75%
-442 M INVESTING CASH FLOW
4.49%
-38.2 M FINANCING CASH FLOW
-74.43%
884 M REVENUE
5.55%
207 M OPERATING INCOME
15.28%
83.5 M NET INCOME
28.88%
198 M OPERATING CASH FLOW
75.21%
-106 M INVESTING CASH FLOW
28.12%
-19 M FINANCING CASH FLOW
-60.03%
Balance Sheet FirstCash Holdings, Inc
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Current Assets 1.4 B
Cash & Short-Term Investments 175 M
Receivables 73.3 M
Other Current Assets 1.16 B
Non-Current Assets 3.07 B
Long-Term Investments 0
PP&E 1.04 B
Other Non-Current Assets 2.03 B
3.91 %25.81 %23.29 %45.36 %Total Assets$4.5b
Current Liabilities 339 M
Accounts Payable 31.1 M
Short-Term Debt 0
Other Current Liabilities 308 M
Non-Current Liabilities 2.08 B
Long-Term Debt 1.76 B
Other Non-Current Liabilities 327 M
12.72 %72.51 %13.48 %Total Liabilities$2.4b
EFFICIENCY
Earnings Waterfall FirstCash Holdings, Inc
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Revenue 3.39 B
Cost Of Revenue 1.76 B
Gross Profit 1.63 B
Operating Expenses 901 M
Operating Income 729 M
Other Expenses 470 M
Net Income 259 M
4b4b3b3b3b3b2b2b2b2b1b1b500m500m003b(2b)2b(901m)729m(470m)259mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
48.09% GROSS MARGIN
48.09%
21.50% OPERATING MARGIN
21.50%
7.64% NET MARGIN
7.64%
12.60% ROE
12.60%
5.78% ROA
5.78%
13.30% ROIC
13.30%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis FirstCash Holdings, Inc
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500m500m450m450m400m400m350m350m300m300m250m250m200m200m150m150m100m100m50m50m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 259 M
Depreciation & Amortization 105 M
Capital Expenditures -68.2 M
Stock-Based Compensation 0
Change in Working Capital -539 M
Others 289 M
Free Cash Flow 472 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets FirstCash Holdings, Inc
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Wall Street analysts predict an average 1-year price target for FCFS of $140 , with forecasts ranging from a low of $140 to a high of $140 .
FCFS Lowest Price Target Wall Street Target
140 USD 16.51%
FCFS Average Price Target Wall Street Target
140 USD 16.51%
FCFS Highest Price Target Wall Street Target
140 USD 16.51%
Price
Max Price Target
Min Price Target
Average Price Target
140140135135130130125125120120115115110110105105100100May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.36% DIVIDEND YIELD
0.38 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.6001.6001.4001.4001.2001.2001.0001.0000.8000.8000.6000.6000.4000.4000.2000.2000.0000.0000.1250.190.220.250.270.270.30.330.350.380.1250.190.220.250.270.30.30.330.350.1250.190.220.250.270.30.330.350.380.190.570.20.770.250.910.271.020.271.080.31.170.331.260.351.360.381.460.3820162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership FirstCash Holdings, Inc
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Sold
0-3 MONTHS
34.7 M USD 2
3-6 MONTHS
862 K USD 2
6-9 MONTHS
2.34 M USD 2
9-12 MONTHS
85.7 M USD 2
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
FirstCash (FCFS) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates Although the revenue and EPS for FirstCash (FCFS) give a sense of how its business performed in the quarter ended December 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 2 months ago
FirstCash Holdings (FCFS) Q4 Earnings Surpass Estimates FirstCash Holdings (FCFS) came out with quarterly earnings of $2.12 per share, beating the Zacks Consensus Estimate of $2.02 per share. This compares to earnings of $2.04 per share a year ago. zacks.com - 2 months ago
FirstCash Reports Record Fourth Quarter and Full-Year Operating Results; Accelerating Pawn Demand Drives Record Revenue & Earnings; Declares Quarterly Cash Dividend FORT WORTH, Texas, Jan. 30, 2025 (GLOBE NEWSWIRE) -- FirstCash Holdings, Inc. (“FirstCash” or the “Company”) (Nasdaq: FCFS), the leading international operator of more than 3,000 retail pawn stores and a leading provider of retail point-of-sale (“POS”) payment solutions, today announced operating results for the fourth quarter and full-year ended December 31, 2024. The Company also announced that the Board of Directors declared a quarterly cash dividend of $0.38 per share, which will be paid on February 28, 2025. globenewswire.com - 2 months ago
Earnings Preview: FirstCash Holdings (FCFS) Q4 Earnings Expected to Decline FirstCash (FCFS) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 2 months ago
FirstCash: Strong Core Pawn In The U.S., But Challenges Elsewhere 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. seekingalpha.com - 3 months ago
FirstCash (FCFS) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates Although the revenue and EPS for FirstCash (FCFS) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 5 months ago
FirstCash Holdings (FCFS) Q3 Earnings Beat Estimates FirstCash Holdings (FCFS) came out with quarterly earnings of $1.67 per share, beating the Zacks Consensus Estimate of $1.58 per share. This compares to earnings of $1.56 per share a year ago. zacks.com - 5 months ago
FirstCash Reports Record Third Quarter Operating Results; Strength in U.S. Pawn Segment Drives Record Revenue and Earnings; Declares Quarterly Cash Dividend FORT WORTH, Texas, Oct. 24, 2024 (GLOBE NEWSWIRE) -- FirstCash Holdings, Inc. (“FirstCash” or the “Company”) (Nasdaq: FCFS), the leading international operator of more than 3,000 retail pawn stores and a leading provider of retail point-of-sale (“POS”) payment solutions through American First Finance (“AFF”), today announced operating results for the three and nine month periods ended September 30, 2024. The Company also announced that the Board of Directors declared a quarterly cash dividend of $0.38 per share, which will be paid in November 2024. globenewswire.com - 5 months ago
What Analyst Projections for Key Metrics Reveal About FirstCash (FCFS) Q3 Earnings Beyond analysts' top -and-bottom-line estimates for FirstCash (FCFS), evaluate projections for some of its key metrics to gain a better insight into how the business might have performed for the quarter ended September 2024. zacks.com - 5 months ago
FirstCash Holdings (FCFS) Reports Next Week: Wall Street Expects Earnings Growth FirstCash (FCFS) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 5 months ago
FirstCash Increases Capacity of Unsecured Bank Credit Facility; Maturity Date Extended to August 2029 FORT WORTH, Texas, Aug. 08, 2024 (GLOBE NEWSWIRE) -- FirstCash Holdings, Inc. (“FirstCash” or the “Company”) (Nasdaq: FCFS), the leading international operator of more than 3,000 retail pawn stores and a leading provider of retail point-of-sale (“POS”) payment solutions, today announced that it has amended the terms of its long-term, unsecured bank credit facility to increase the size of the commitment to $700 million and extend the maturity date to August 2029. globenewswire.com - 8 months ago
FirstCash: Strong Core Pawn Results, But Some Yellow Flags Elsewhere 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. seekingalpha.com - 8 months ago
8. Profile Summary

FirstCash Holdings, Inc FCFS

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 5.38 B
Dividend Yield 0.36%
Description 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.
Contact 1600 West 7th Street, Fort Worth, TX, 76102 https://firstcash.com
IPO Date June 10, 1991
Employees 20000
Officers Mr. R. Douglas Orr Executive Vice President, Chief Financial Officer, Treasurer & Secretary Mr. Peter H. Watson J.D. Senior Vice President of Compliance & Government Relations Mr. Sean D. Moore Senior Vice President of Store Development & Facilities Mr. Howard F Hambleton AFF President Mr. Raul R. Ramos Senior Vice President of Latin American Operations Mr. Thomas Brent Stuart President & Chief Operating Officer Mr. Rick L. Wessel Vice Chairman & Chief Executive Officer Mr. Gar Jackson Investor Relations-Global IR Group