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FirstCash Holdings, Inc FCFS
Financial Services - Financial - Credit Services - NASDAQ - US
Watchlist
$ 133.2599
0.136 %
$ 5.91 B
Market Cap
21.22
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one FCFS stock under the worst case scenario is HIDDEN Compared to the current market price of 133 USD, FirstCash Holdings, Inc is HIDDEN

FCFS Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one FCFS stock under the base case scenario is HIDDEN Compared to the current market price of 133 USD, FirstCash Holdings, Inc is HIDDEN

FCFS Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one FCFS stock under the best case scenario is HIDDEN Compared to the current market price of 133 USD, FirstCash Holdings, Inc is HIDDEN

FCFS Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart FCFS

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1M --%
6M 18%
1Y 21%
3Y 89%
5Y 149%
All
$140.0$140.0$135.0$135.0$130.0$130.0$125.0$125.0$120.0$120.0$115.0$115.0$110.0$110.0$105.0$105.0Feb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '2515 Jul15 Jul
FINANCIALS
3.39 B REVENUE
7.51%
Growth Rates
1Year 7.51%
3Years 25.88%
5Years 12.69%
7Years 9.63%
10Years 16.87%
450 M OPERATING INCOME
-33.28%
Growth Rates
1Year -33.28%
3Years 27.81%
5Years 11.65%
7Years 10.81%
10Years 13.19%
259 M NET INCOME
18.02%
Growth Rates
1Year 18.02%
3Years 27.49%
5Years 9.47%
7Years 8.75%
10Years 11.76%
540 M OPERATING CASH FLOW
29.75%
Growth Rates
1Year 29.75%
3Years 34.22%
5Years 18.45%
7Years 13.66%
10Years 18.65%
-442 M INVESTING CASH FLOW
4.49%
Growth Rates
1Year 4.49%
3Years 15.98%
5Years -26.36%
7Years -127.67%
10Years -17.86%
-38.2 M FINANCING CASH FLOW
-74.43%
Growth Rates
1Year -74.43%
3Years -2.16%
5Years 20.57%
7Years 20.92%
10Years -15.43%
836 M REVENUE
-5.36%
Growth Rates
1Year 7.51%
3Years 25.88%
5Years 12.69%
7Years 9.63%
10Years 16.87%
136 M OPERATING INCOME
-1.08%
Growth Rates
1Year -33.28%
3Years 27.81%
5Years 11.65%
7Years 10.81%
10Years 13.19%
83.6 M NET INCOME
0.05%
Growth Rates
1Year 18.02%
3Years 27.49%
5Years 9.47%
7Years 8.75%
10Years 11.76%
127 M OPERATING CASH FLOW
-36.09%
Growth Rates
1Year 29.75%
3Years 34.22%
5Years 18.45%
7Years 13.66%
10Years 18.65%
-50.1 M INVESTING CASH FLOW
52.74%
Growth Rates
1Year 4.49%
3Years 15.98%
5Years -26.36%
7Years -127.67%
10Years -17.86%
-105 M FINANCING CASH FLOW
-454.13%
Growth Rates
1Year -74.43%
3Years -2.16%
5Years 20.57%
7Years 20.92%
10Years -15.43%
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 1.73 B
Other Non-Current Liabilities 354 M
12.72 %71.38 %14.61 %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 1.18 B
Operating Income 450 M
Other Expenses 192 M
Net Income 259 M
4b4b3b3b3b3b2b2b2b2b1b1b500m500m003b(2b)2b(1b)450m(192m)259mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
48.09% GROSS MARGIN
48.09%
Averages
1Year 48.09%
3Years 47.42%
5Years 50.44%
7Years 51.59%
10Years 52.54%
13.29% OPERATING MARGIN
13.29%
Averages
1Year 13.29%
3Years 16.43%
5Years 14.82%
7Years 14.52%
10Years 14.36%
7.64% NET MARGIN
7.64%
Averages
1Year 7.64%
3Years 7.96%
5Years 7.55%
7Years 7.89%
10Years 7.74%
12.60% ROE
12.60%
Averages
1Year 12.60%
3Years 12.36%
5Years 10.46%
7Years 10.87%
10Years 10.41%
5.78% ROA
5.78%
Averages
1Year 5.78%
3Years 5.79%
5Years 5.03%
7Years 5.59%
10Years 5.69%
8.22% ROIC
8.22%
Averages
1Year 8.22%
3Years 9.70%
5Years 8.03%
7Years 8.22%
10Years 8.27%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis FirstCash Holdings, Inc
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500m500m450m450m400m400m350m350m300m300m250m250m200m200m150m150m100m100m50m50m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 259 M
Depreciation & Amortization 538 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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FCFS has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.31% DIVIDEND YIELD
0.38 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.6001.6001.4001.4001.2001.2001.0001.0000.8000.8000.6000.6000.4000.4000.2000.2000.0000.0000.1250.190.220.250.270.270.30.330.350.380.1250.190.220.250.270.30.30.330.350.380.1250.190.220.250.270.30.330.350.380.190.570.20.770.250.910.271.020.271.080.31.170.331.260.351.360.381.460.7620162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 9
6. Ownership
Insider Ownership FirstCash Holdings, Inc
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Sold
0-3 MONTHS
511 K USD 1
3-6 MONTHS
34.7 M USD 2
6-9 MONTHS
862 K USD 2
9-12 MONTHS
2.34 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 Holdings (FCFS) Earnings Expected to Grow: Should You Buy? 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 - 1 week ago
CFPB and FirstCash Settle Lawsuit Involving Military Lending Act The Consumer Financial Protection Bureau (CFPB) and retail pawn store operator FirstCash said Friday (July 11) that they reached a settlement on FirstCash's alleged violations of the Military Lending Act (MLA). pymnts.com - 2 weeks ago
FirstCash Announces Settlement of CFPB Litigation Related to Military Lending Act FORT WORTH, Texas, July 11, 2025 (GLOBE NEWSWIRE) -- FirstCash Holdings, Inc. (“FirstCash” or the “Company”) (Nasdaq: FCFS), a leading international operator of over 3,000 retail pawn stores in the U.S. and Latin America, today announced that it has reached a settlement with the Consumer Financial Protection Bureau (“CFPB”) regarding alleged violations of the Military Lending Act. globenewswire.com - 2 weeks ago
US CFPB reaches settlement with FirstCash for alleged Military Lending Act violations The U.S. Consumer Financial Protections Bureau has reached a settlement with pawn shop chain owner FirstCash Inc and its subsidiaries for alleged violations of the Military Lending Act, the consumer watchdog agency said Friday. reuters.com - 2 weeks ago
FirstCash Holdings, Inc. (FCFS) Soars to 52-Week High, Time to Cash Out? FirstCash (FCFS) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues. zacks.com - 1 month ago
5 Stocks to Buy Amid Growing Strength in the Business Services Sector DUOL, CTAS, STN, TRI, FCFS are riding economic strength with double-digit gains and rising earnings. zacks.com - 1 month ago
Is Amadeus IT Group (AMADY) Outperforming Other Business Services Stocks This Year? Here is how Amadeus IT Group SA Unsponsored ADR (AMADY) and FirstCash Holdings (FCFS) have performed compared to their sector so far this year. zacks.com - 1 month ago
FirstCash Holdings: A Business Built To Last Through Good Times And Bad FirstCash Holdings operates over 3,000 pawn shops in the U.S. and Latin America, thriving in both strong and weak economic environments due to its counter-cyclical business model. The pawn model's simplicity and resilience make FCFS a strong defensive stock, with impressive financial results and a valuation below 5-year averages, despite all-time high stock prices. FCFS benefits from minimal exposure to tariff risks and potential gains from a strengthening Mexican Peso, providing unique advantages in a volatile macro environment. seekingalpha.com - 2 months ago
Are Business Services Stocks Lagging FirstCash (FCFS) This Year? Here is how FirstCash Holdings (FCFS) and OppFi Inc. (OPFI) have performed compared to their sector so far this year. zacks.com - 2 months ago
H&T recommends £297m bid from US pawnbroking rival FirstCash H&T Group PLC (AIM:HAT), the UK's largest pawnbroker, has agreed to a £297 million takeover by American rival FirstCash. The 661p a share deal closes a 19-year chapter as a publicly listed company. proactiveinvestors.co.uk - 2 months ago
FirstCash to Acquire H&T Group, the Leading Operator of Pawnshops in the United Kingdom Marks FirstCash's strategic entry into the UK market through an established, industry-leading brand; Provides further geographic diversification and unlocks additional growth opportunities; Expected to be meaningfully accretive to EBITDA and EPS; Strengthens FirstCash's position as a global leader in pawn operations globenewswire.com - 2 months ago
What Makes FirstCash Holdings (FCFS) a Strong Momentum Stock: Buy Now? Does FirstCash Holdings (FCFS) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 2 months ago
8. Profile Summary

FirstCash Holdings, Inc FCFS

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 5.91 B
Dividend Yield 0.31%
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. Howard F Hambleton AFF President Mr. Sean D. Moore Senior Vice President of Store Development & Facilities Mr. Peter H. Watson J.D. Senior Vice President of Compliance & Government Relations Mr. R. Douglas Orr Executive Vice President, Chief Financial Officer, Treasurer & Secretary 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