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FCFSFirstCash Holdings, Inc
$185.67$8.1B
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 · Consumer Finance
$185.67
At close - Nov 6, 4:00 PM EST - USD
Market Cap$8.05B
P/E20.2x
52W High$238.93
Volume355.09K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Fee-Driven Earnings Mask Deepening Negative Spread

FirstCash's retail merchandise and service-fee engine now represents over 103% of total revenue, with top line rising roughly 33% since 2024 and the efficiency ratio tightening to 32.2% in 2026Q2, indicating meaningful operating leverage across its store network and supporting EPS growth of 25-58% across recent…

GrowthAccelerating
ProfitabilityModerate
ValuationAttractive
TechnicalsWeak
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

+70% Peers

P/E is 70% above peer median

03

Market leadership

RS 40 · Lag

Laggard (Underperforming 60% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Jan 22
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

Total revenue reached $1.1B in 2026Q3, up roughly 33% from 2024 levels with non-interest income exceeding 103.5% of revenue, yet provisions of $517.9M against operating income of only $171.7M leave the bottom line hostage to reserve swings, as EPS of $2.33 still fell short of the $2.74 consensus in a recent quarter.

Analyst Consensus+36.0% 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 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
FCFS+19.23%
S&P 500 (^GSPC)+7.63%
1-Year Return
FCFS+15.71%
S&P 500 (^GSPC)+9.69%
3-Year Return
FCFS+73.23%
S&P 500 (^GSPC)+67.09%
5-Year Return
FCFS+124.31%
S&P 500 (^GSPC)+55.17%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
20.2x
Forward P/EExpansion
16.9x
EV/EBITDA80th %ile
10.3x
FCF YieldCash Flow
7.4%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
20.2x
21.5x
40th· Fair
EV/EBITDA
10.3x
7.6x
80th· High
Price/FCF
13.5x
13.4x
60th· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$79.89-57.0%
Base (Fair)$143.99-22.4%
Bull$116.23-37.4%
$79.89 Bear$143.99 Base$116.23 Bull
Current Market Price: $185.67
Trades at a 28.9% premium to Base DCF ($143.99)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$3.54B+7.8% YoY
Net income FY25
$330M+27.6% YoY
Free cash flow FY25
$531M+12.6% YoY
Operating margin FY25
15.9%+2.2 pts YoY
ROIC (FY25)9.2%
Avg ROIC 5Y7.4%
ROE (TTM)17.7%
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)
Q4 2026Latest
Oct 22, 2026
$2.68+1.9%
vs $2.63
$1.1B+2.4%
vs $1.1B
Q3 2026
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
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Business Wire·Oct 23, 2026
Did You Lose Money on FirstCash Holdings, Inc. Stock? The Law Offices of Howard G.

BENSALEM, Pa.--(BUSINESS WIRE)--Investors who suffered losses on FirstCash Holdings, Inc. ("FirstCash" or the "Company") stock may have claims to recover those losses. The Law Offices of Howard G. Smith today reported that it is conducting a securities fraud investigation on behalf of FirstCash Holdings, Inc. (NASDAQ: FCFS) investors into whether the Company may have violated the federal securities laws. The investigation comes after an October 22, 2026 disclosure concerning FirstCash Holdings,.

Business Wire·Oct 22, 2026
Lost Money on FirstCash Holdings, Inc. Shares? The Law Offices of Frank R.

LOS ANGELES--(BUSINESS WIRE)--FirstCash Holdings, Inc. ("FirstCash" or the "Company") investors who lost money may have claims to recover their losses. The Law Offices of Frank R. Cruz today announced it is investigating potential securities fraud claims on behalf of investors in FirstCash Holdings, Inc. (NASDAQ: FCFS), examining whether the Company may have violated the federal securities laws. The investigation centers on the disclosure about FirstCash Holdings, Inc. on October 22, 2026.If you.

GlobeNewsWire·Oct 22, 2026
FirstCash Reports Record Third Quarter Operating Results; Revenues and Earnings from Pawn Segments Grow 28%; Declares 10% Increase in Quarterly Cash Dividend

FORT WORTH, Texas, Oct. 22, 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 record revenue and earnings results for the three and nine month periods ended September 30, 2026. The Company also announced that the Board of Directors declared a quarterly cash dividend of $0.46 per share, an increase of 10% over the previous quarterly dividend, which will be paid in November 2026. In addition, during the third quarter of 2026, the Company repurchased $123 million of common stock, bringing the total year-to-date share repurchases to $250 million.

Defense World·Oct 20, 2026
CWA Asset Management Group LLC Sells 2,398 Shares of FirstCash Holdings, Inc. $FCFS

CWA Asset Management Group LLC cut its holdings in shares of FirstCash Holdings, Inc. (NASDAQ: FCFS) by 7.2% during the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission. The firm owned 30,740 shares of the company's stock after selling 2,398 shares during the quarter. CWA Asset Management

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
$185.67$8.05B20.217.81%9.81%17.73%0.86%
EZPW logoEZPWEZCORP, Inc.
$28.55$1.67B15.038.99%10.2%14.37%—
WRLD logoWRLDWorld Acceptance Corporation
$149.08$694.77M13.582.6%9.13%14.16%—
RM logoRMRegional Management Corp.
$36.25$333.8M7.139.1%8.05%12.61%3.19%
ENVA logoENVAEnova International, Inc.
$172.48$4.29B11.9212.2%11.89%26.36%—
V logoVVisa Inc.
$422.65$789.11B33.8414.55%52.51%64.52%0.63%

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

Oct 28, 2026·SEC

Material company update

Oct 22, 2026·SEC

Material company update

Aug 6, 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

Oct 26, 2026·SEC

FY 2026

Jul 27, 2026·SEC

FY 2026

Apr 24, 2026·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 22.8% over the trailing twelve months, compared with the twelve months before.

Is FCFS profitable?

Yes. FirstCash Holdings, Inc (FCFS) earned $406.5M in net income over the trailing twelve months (a 9.8% net margin).

Dividend & Returns
Does FCFS pay dividends?

Yes. FirstCash Holdings, Inc (FCFS) pays a dividend that yields 0.86% at the current price, a small yield.

What is FCFS's return on equity?

FirstCash Holdings, Inc (FCFS) had a return on equity (ROE) of 17.7% over the trailing twelve months. That is above the market's typical 10-15%.

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 37.6%. 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 →