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Financial Services - Financial - Credit Services - NASDAQ - US
$ 124.07
-0.249 %
$ 5.5 B
Market Cap
19.88
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one FCFS stock under the worst case scenario is HIDDEN Compared to the current market price of 124 USD, FirstCash Holdings, Inc is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one FCFS stock under the base case scenario is HIDDEN Compared to the current market price of 124 USD, FirstCash Holdings, Inc is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one FCFS stock under the best case scenario is HIDDEN Compared to the current market price of 124 USD, FirstCash Holdings, Inc is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart FCFS

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$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$105.0$100.0$100.0$95.0$95.015 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '25
FINANCIALS
3.39 B REVENUE
7.51%
450 M OPERATING INCOME
-33.28%
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%
836 M REVENUE
-5.36%
136 M OPERATING INCOME
-1.08%
83.6 M NET INCOME
0.05%
127 M OPERATING CASH FLOW
-36.09%
-50.1 M INVESTING CASH FLOW
52.74%
-105 M FINANCING CASH FLOW
-454.13%
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%
13.29% OPERATING MARGIN
13.29%
7.64% NET MARGIN
7.64%
12.60% ROE
12.60%
5.78% ROA
5.78%
8.22% ROIC
8.22%
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 11
6. Ownership
Insider Ownership FirstCash Holdings, Inc
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Sold
0-3 MONTHS
0 USD 0
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
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 - 2 weeks 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 - 1 month 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 - 1 month 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 - 1 month 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 - 1 month 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 - 1 month ago
FirstCash Holdings, Inc. (FCFS) Hits Fresh High: Is There Still Room to Run? 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
These 5 Buy-Ranked Mid-Cap Stocks Are Flying High Year to Date Five mid-cap high-flying stocks to buy are: ADMA, FCFS, LRN, LTH, NFG. zacks.com - 1 month ago
FirstCash (FCFS) Upgraded to Buy: What Does It Mean for the Stock? FirstCash (FCFS) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 1 month ago
Is FirstCash (FCFS) Stock Outpacing Its Business Services Peers This Year? Here is how FirstCash Holdings (FCFS) and OppFi Inc. (OPFI) have performed compared to their sector so far this year. zacks.com - 1 month ago
FirstCash (FCFS) Reports Q1 Earnings: What Key Metrics Have to Say Although the revenue and EPS for FirstCash (FCFS) give a sense of how its business performed in the quarter ended March 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 1 month ago
FirstCash Holdings (FCFS) Q1 Earnings Surpass Estimates FirstCash Holdings (FCFS) came out with quarterly earnings of $2.07 per share, beating the Zacks Consensus Estimate of $1.75 per share. This compares to earnings of $1.55 per share a year ago. zacks.com - 1 month ago
8. Profile Summary

FirstCash Holdings, Inc FCFS

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 5.5 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