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FCFSFirstCash Holdings, Inc
$220.87$9.4B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
FCFS logo

FirstCash Holdings, Inc

FCFS
NASDAQ · Credit Services
$220.87
At close - Sep 22, 4:00 PM EDT - USD
Market Cap$9.58B
P/E29.8x
52W High$238.93
Volume497.86K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Pawn Receivables Surge Offsets Rising Provision Costs

FirstCash is executing a high-growth strategy, with consolidated pawn receivables up 63% and revenue up 29% YoY in Q2 2026, driving operating leverage as the efficiency ratio improved to 31.1%. However, provision for loan losses surged 37% to $537.8M, outpacin...

GrowthAccelerating
ProfitabilityStable
ValuationAttractive
TechnicalsHealthy
Explore valuation models
MARKET ACTION

FCFS price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

12/12 Beats

EPS beat 12 of last 12 quarters

02

Valuation risk

+116% Peers

P/E is 116% above peer median

03

Market leadership

RS 70 · Avg

Average momentum (RS Rating: 70)

04

Healthy Uptrend

Uptrend

Price > 50DMA > 200DMA

Next CatalystEstimated earnings · Oct 23
01

Build the investment case

Start with the evidence for owning the stock and the risks that can break the thesis.

EXECUTIVE THESIS

The Investment Case

Full Analysis
Fundamental Trajectory

Revenue surged 29% YoY to $1.1B in Q2 2026, driven by a 63% jump in pawn receivables, yet EPS of $2.12 missed estimates as provision expenses rose 37% to $537.8M.

Analyst Consensus+17.1% target
Buy(19 analysts)
10 Buy9 Hold0 Sell

The Bull Case

Upside Catalysts

Strong Revenue Growth

FirstCash Holdings reported total revenues of $1.05 billion in Q1 2026, surpassing analyst expectations. The company achieved record revenue, net income, and EPS, with a 26% increase compared to the same period last year.

Margin Expansion

The net profit margin has improved to 9% from 7.6% a year earlier, indicating that more revenue is translating to the bottom line. This margin expansion reflects the company's ability to enhance profitability.

Consistent Earnings Growth

Trailing twelve-month earnings growth stands at 27.6%, which is above the 19.6% annual growth rate reported over the last five years. Analysts project about 15.8% annual earnings growth for the future, suggesting sustained performance.

The Bear Case

Key Downside Risks

Market performance

Price History →

Trailing total returns as of 9/23/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
FCFS+41.68%
S&P 500 (^GSPC)+13.20%
1-Year Return
FCFS+50.99%
S&P 500 (^GSPC)+15.98%
3-Year Return
FCFS+132.09%
S&P 500 (^GSPC)+81.34%
5-Year Return
FCFS+162.53%
S&P 500 (^GSPC)+80.61%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
29.2x
Forward P/EExpansion
19.2x
EV/EBITDA80th %ile
12.2x
FCF YieldCash Flow
5.7%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
29.2x
21.5x
100th· High
EV/EBITDA
12.2x
7.6x
80th· High
Price/FCF
17.7x
13.4x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$84.85-61.6%
Base (Fair)$149.15-31.9%
Bull$125.64-43.1%
$84.85 Bear$149.15 Base$125.64 Bull
Current Market Price: $220.87
Trades at a 48.1% premium to Base DCF ($149.15)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$3.54B+7.8% YoY
Net income
$330M+27.6% YoY
Free cash flow
$531M+12.6% YoY
Operating margin
15.4%+2.1 pts YoY
ROIC (TTM)9.2%
Avg ROIC 5Y-
ROE (TTM)15.3%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate12/12 (100%)
Revenue Beat Rate8/12 (67%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 23, 2026
$2.50+4.6%
vs $2.39
$1.1B+4.3%
vs $1.0B
Q2 2026
Apr 23, 2026
$2.69+15.5%
vs $2.33
$1.1B+4.8%
vs $1.0B
Q1 2026
Feb 5, 2026
$2.64+3.9%
vs $2.54
$1.1B+3.5%
vs $1.0B
Q4 2025
Oct 30, 2025
$2.26+16.5%
vs $1.94
$936M+8.7%
vs $861M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
GlobeNewsWire·Aug 31, 2026
FirstCash Upsizes and Extends Term of Unsecured Bank Credit Facility; Size of Committed Facility Increased from $700 Million to $1.1 Billion; Maturity Date Extended to August 2031

FORT WORTH, Texas, Aug. 31, 2026 (GLOBE NEWSWIRE) -- FirstCash Holdings, Inc. (“FirstCash” or the “Company”) (Nasdaq: FCFS), the leading international operator of more than 3,300 retail pawn stores, today announced that it has amended the terms of its long-term, unsecured bank credit agreement to increase the size of the facility, extend its maturity date and enhance other key features, all to further support FirstCash's long-term global growth strategy.

Zacks Investment Research·Aug 28, 2026
FirstCash (FCFS) Upgraded to Buy: Here's Why

FirstCash (FCFS) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).

Defense World·Aug 24, 2026
Deutsche Bank AG Buys New Shares in FirstCash Holdings, Inc. $FCFS

Deutsche Bank AG acquired a new position in shares of FirstCash Holdings, Inc. (NASDAQ: FCFS) during the undefined quarter, according to its most recent filing with the SEC. The institutional investor acquired 44,671 shares of the company's stock, valued at approximately $9,663,000. Deutsche Bank AG owned 0.10% of FirstCash at the end of

Defense World·Aug 22, 2026
BlackRock Inc. Acquires New Holdings in FirstCash Holdings, Inc. $FCFS

BlackRock Inc. bought a new position in FirstCash Holdings, Inc. (NASDAQ: FCFS) in the undefined quarter, according to its most recent 13F filing with the Securities and Exchange Commission. The fund bought 5,031,570 shares of the company's stock, valued at approximately $1,088,429,000. BlackRock Inc. owned about 11.60% of FirstCash as of its most

Filtered for FirstCash Holdings, IncMore Headlines
04

Compare before deciding

Benchmark FCFS against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for FirstCash Holdings, Inc (FCFS)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
FCFS logoFCFSFirstCash Holdings, IncCurrent
$220.87$9.58B29.777.81%9.02%15.26%0.72%
EZPW logoEZPWEZCORP, Inc.
$30.71$1.8B21.638.99%9.99%14.37%—
WRLD logoWRLDWorld Acceptance Corporation
$172.99$806.2M25.142.6%6.65%11%—
RM logoRMRegional Management Corp.
$31.28$288.03M7.039.1%7.4%13.25%—
ENVA logoENVAEnova International, Inc.
$168.98$4.21B14.5912.2%11.81%25.76%—
V logoVVisa Inc.
$362.04$675.95B35.4911.69%50.78%61.26%—

Compare FCFS vs Peers

FirstCash Holdings, Inc (FCFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs EZPW

Most directly comparable listed peer for FCFS.

Scale Benchmark

vs V

Larger-name benchmark to compare FCFS against a more recognizable public peer.

Peer Set

Compare Top 5

vs EZPW, WRLD, RM, ENVA

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

FCFS SEC Filings & Documents

FirstCash Holdings, Inc (FCFS) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 6, 2026·SEC

Material company update

Jul 23, 2026·SEC

Material company update

Jul 22, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 9, 2026·SEC

FY 2025

Feb 3, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Jul 27, 2026·SEC

FY 2026

Apr 24, 2026·SEC

FY 2025

Nov 3, 2025·SEC

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FCFS Frequently Asked Questions

FirstCash Holdings, Inc (FCFS) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is FirstCash Holdings, Inc growing?

FirstCash Holdings, Inc (FCFS) grew revenue by 7.8% over the past year. This is steady growth.

Is FCFS profitable?

Yes, FirstCash Holdings, Inc (FCFS) is profitable, generating $388.1M in net income for fiscal year 2025 (9.0% net margin).

Dividend & Returns
Does FCFS pay dividends?

Yes, FirstCash Holdings, Inc (FCFS) pays a dividend with a yield of 0.72%. This makes it attractive for income-focused investors.

What is FCFS's return on equity?

FirstCash Holdings, Inc (FCFS) has a return on equity (ROE) of 15.3%. This is reasonable for most industries.

Industry Metrics
What is FirstCash Holdings, Inc's net interest margin?

FirstCash Holdings, Inc (FCFS) has a net interest margin (NIM) of -2.2%. NIM has been under pressure due to interest rate environment.

What is FirstCash Holdings, Inc's efficiency ratio?

FirstCash Holdings, Inc (FCFS) has an efficiency ratio of 36.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in FCFS back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →