(FCFS) FirstCash - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US33768G1076
Stock: Pawn Loans, Retail Sales, Payment
Total Rating 63
Risk 83
Buy Signal 1.79
| Risk 5d forecast | |
|---|---|
| Volatility | 27.4% |
| Relative Tail Risk | -8.97% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.94 |
| Alpha | 62.48 |
| Character TTM | |
|---|---|
| Beta | 0.344 |
| Beta Downside | 0.509 |
| Drawdowns 3y | |
|---|---|
| Max DD | 23.38% |
| CAGR/Max DD | 1.39 |
EPS (Earnings per Share)
Revenue
Risks
Technicals:
low_hurst
Description: FCFS FirstCash March 04, 2026
FirstCash Holdings, Inc. (FCFS) operates pawn stores across the U.S., Mexico, Latin America, and the UK. The companys business model involves lending against personal property and retailing forfeited collateral. Pawn shops primarily serve underbanked populations seeking immediate credit.
FCFS also provides retail point-of-sale (POS) payment solutions, including lease-to-own (LTO) products, targeting cash and credit-constrained consumers. The consumer finance sector often sees increased demand for such services during economic downturns.
For more detailed financial analysis, consider exploring ValueRays comprehensive data.
Headlines to watch out for
- Pawn loan demand increases with economic hardship
- Merchandise sales drive revenue from forfeited collateral
- Regulatory changes impact pawn lending and fees
- Foreign currency fluctuations affect international earnings
- Retail POS payment solutions expand revenue streams
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income: 330.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA -0.63 > 1.0 |
| NWC/Revenue: 39.57% < 20% (prev 31.41%; Δ 8.16% < -1%) |
| CFO/TA 0.11 > 3% & CFO 585.9m > Net Income 330.4m |
| Net Debt (2.69b) to EBITDA (999.8m): 2.69 < 3 |
| Current Ratio: 4.55 > 1.5 & < 3 |
| Outstanding Shares: last quarter (44.3m) vs 12m ago -1.49% < -2% |
| Gross Margin: 50.28% > 18% (prev 0.48%; Δ 4979 % > 0.5%) |
| Asset Turnover: 74.89% > 50% (prev 75.69%; Δ -0.80% > 0%) |
| Interest Coverage Ratio: 4.69 > 6 (EBITDA TTM 999.8m / Interest Expense TTM 121.3m) |
Altman Z'' 4.16
| A: 0.27 (Total Current Assets 1.86b - Total Current Liabilities 407.8m) / Total Assets 5.30b |
| B: 0.32 (Retained Earnings 1.67b / Total Assets 5.30b) |
| C: 0.12 (EBIT TTM 568.9m / Avg Total Assets 4.89b) |
| D: 0.53 (Book Value of Equity 1.61b / Total Liabilities 3.02b) |
| Altman-Z'' Score: 4.16 = AA |
Beneish M -2.78
| DSRI: 1.38 (Receivables 1.10b/738.7m, Revenue 3.66b/3.39b) |
| GMI: 0.96 (GM 50.28% / 48.09%) |
| AQI: 0.94 (AQ_t 0.43 / AQ_t-1 0.45) |
| SGI: 1.08 (Revenue 3.66b / 3.39b) |
| TATA: -0.05 (NI 330.4m - CFO 585.9m) / TA 5.30b) |
| Beneish M-Score: -2.78 (Cap -4..+1) = A |
What is the price of FCFS shares?
As of March 10, 2026, the stock is trading at USD 196.21 with a total of 366,357 shares traded.
Over the past week, the price has changed by -0.45%, over one month by +7.35%, over three months by +25.90% and over the past year by +73.55%.
Over the past week, the price has changed by -0.45%, over one month by +7.35%, over three months by +25.90% and over the past year by +73.55%.
Is FCFS a buy, sell or hold?
FirstCash has received a consensus analysts rating of 4.20.
Therefore, it is recommended to buy FCFS.
- StrongBuy: 3
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the FCFS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 201.4 | 2.6% |
| Analysts Target Price | 201.4 | 2.6% |
FCFS Fundamental Data Overview March 10, 2026
P/E Trailing = 25.6482
P/E Forward = 18.4162
P/S = 2.2942
P/B = 3.6766
P/EG = 1.1676
Revenue TTM = 3.66b USD
EBIT TTM = 568.9m USD
EBITDA TTM = 999.8m USD
Long Term Debt = 2.21b USD (from longTermDebt, last quarter)
Short Term Debt = 111.3m USD (from shortTermDebt, last quarter)
Debt = 2.82b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.69b USD (from netDebt column, last quarter)
Enterprise Value = 11.09b USD (8.40b + Debt 2.82b - CCE 125.2m)
Interest Coverage Ratio = 4.69 (Ebit TTM 568.9m / Interest Expense TTM 121.3m)
EV/FCF = 21.61x (Enterprise Value 11.09b / FCF TTM 513.3m)
FCF Yield = 4.63% (FCF TTM 513.3m / Enterprise Value 11.09b)
FCF Margin = 14.02% (FCF TTM 513.3m / Revenue TTM 3.66b)
Net Margin = 9.02% (Net Income TTM 330.4m / Revenue TTM 3.66b)
Gross Margin = 50.28% ((Revenue TTM 3.66b - Cost of Revenue TTM 1.82b) / Revenue TTM)
Gross Margin QoQ = 50.06% (prev 50.63%)
Tobins Q-Ratio = 2.09 (Enterprise Value 11.09b / Total Assets 5.30b)
Interest Expense / Debt = 1.25% (Interest Expense 35.3m / Debt 2.82b)
Taxrate = 27.04% (38.6m / 142.8m)
NOPAT = 415.0m (EBIT 568.9m * (1 - 27.04%))
Current Ratio = 4.55 (Total Current Assets 1.86b / Total Current Liabilities 407.8m)
Debt / Equity = 1.24 (Debt 2.82b / totalStockholderEquity, last quarter 2.28b)
Debt / EBITDA = 2.69 (Net Debt 2.69b / EBITDA 999.8m)
Debt / FCF = 5.24 (Net Debt 2.69b / FCF TTM 513.3m)
Total Stockholder Equity = 2.17b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.76% (Net Income 330.4m / Total Assets 5.30b)
RoE = 15.23% (Net Income TTM 330.4m / Total Stockholder Equity 2.17b)
RoCE = 13.00% (EBIT 568.9m / Capital Employed (Equity 2.17b + L.T.Debt 2.21b))
RoIC = 10.07% (NOPAT 415.0m / Invested Capital 4.12b)
WACC = 5.61% (E(8.40b)/V(11.22b) * Re(7.18%) + D(2.82b)/V(11.22b) * Rd(1.25%) * (1-Tc(0.27)))
Discount Rate = 7.18% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -1.25%
[DCF] Terminal Value 88.12% ; FCFF base≈492.8m ; Y1≈587.2m ; Y5≈923.4m
[DCF] Fair Price = 552.3 (EV 26.98b - Net Debt 2.69b = Equity 24.29b / Shares 44.0m; r=5.90% [WACC]; 5y FCF grow 20.44% → 2.90% )
EPS Correlation: 81.84 | EPS CAGR: 23.95% | SUE: 0.91 | # QB: 5
Revenue Correlation: 92.07 | Revenue CAGR: 13.43% | SUE: 1.35 | # QB: 2
EPS next Quarter (2026-06-30): EPS=2.33 | Chg7d=-0.002 | Chg30d=+0.129 | Revisions Net=+6 | Analysts=6
EPS current Year (2026-12-31): EPS=10.46 | Chg7d=+0.000 | Chg30d=+0.388 | Revisions Net=+4 | Growth EPS=+19.5% | Growth Revenue=+14.6%
EPS next Year (2027-12-31): EPS=12.27 | Chg7d=+0.000 | Chg30d=+0.578 | Revisions Net=+4 | Growth EPS=+17.3% | Growth Revenue=+7.4%
[Analyst] Revisions Ratio: +1.00 (6 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 4.1% (Discount Rate 7.9% - Earnings Yield 3.9%)
[Growth] Growth Spread = +15.9% (Analyst 20.0% - Implied 4.1%)
P/E Forward = 18.4162
P/S = 2.2942
P/B = 3.6766
P/EG = 1.1676
Revenue TTM = 3.66b USD
EBIT TTM = 568.9m USD
EBITDA TTM = 999.8m USD
Long Term Debt = 2.21b USD (from longTermDebt, last quarter)
Short Term Debt = 111.3m USD (from shortTermDebt, last quarter)
Debt = 2.82b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.69b USD (from netDebt column, last quarter)
Enterprise Value = 11.09b USD (8.40b + Debt 2.82b - CCE 125.2m)
Interest Coverage Ratio = 4.69 (Ebit TTM 568.9m / Interest Expense TTM 121.3m)
EV/FCF = 21.61x (Enterprise Value 11.09b / FCF TTM 513.3m)
FCF Yield = 4.63% (FCF TTM 513.3m / Enterprise Value 11.09b)
FCF Margin = 14.02% (FCF TTM 513.3m / Revenue TTM 3.66b)
Net Margin = 9.02% (Net Income TTM 330.4m / Revenue TTM 3.66b)
Gross Margin = 50.28% ((Revenue TTM 3.66b - Cost of Revenue TTM 1.82b) / Revenue TTM)
Gross Margin QoQ = 50.06% (prev 50.63%)
Tobins Q-Ratio = 2.09 (Enterprise Value 11.09b / Total Assets 5.30b)
Interest Expense / Debt = 1.25% (Interest Expense 35.3m / Debt 2.82b)
Taxrate = 27.04% (38.6m / 142.8m)
NOPAT = 415.0m (EBIT 568.9m * (1 - 27.04%))
Current Ratio = 4.55 (Total Current Assets 1.86b / Total Current Liabilities 407.8m)
Debt / Equity = 1.24 (Debt 2.82b / totalStockholderEquity, last quarter 2.28b)
Debt / EBITDA = 2.69 (Net Debt 2.69b / EBITDA 999.8m)
Debt / FCF = 5.24 (Net Debt 2.69b / FCF TTM 513.3m)
Total Stockholder Equity = 2.17b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.76% (Net Income 330.4m / Total Assets 5.30b)
RoE = 15.23% (Net Income TTM 330.4m / Total Stockholder Equity 2.17b)
RoCE = 13.00% (EBIT 568.9m / Capital Employed (Equity 2.17b + L.T.Debt 2.21b))
RoIC = 10.07% (NOPAT 415.0m / Invested Capital 4.12b)
WACC = 5.61% (E(8.40b)/V(11.22b) * Re(7.18%) + D(2.82b)/V(11.22b) * Rd(1.25%) * (1-Tc(0.27)))
Discount Rate = 7.18% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -1.25%
[DCF] Terminal Value 88.12% ; FCFF base≈492.8m ; Y1≈587.2m ; Y5≈923.4m
[DCF] Fair Price = 552.3 (EV 26.98b - Net Debt 2.69b = Equity 24.29b / Shares 44.0m; r=5.90% [WACC]; 5y FCF grow 20.44% → 2.90% )
EPS Correlation: 81.84 | EPS CAGR: 23.95% | SUE: 0.91 | # QB: 5
Revenue Correlation: 92.07 | Revenue CAGR: 13.43% | SUE: 1.35 | # QB: 2
EPS next Quarter (2026-06-30): EPS=2.33 | Chg7d=-0.002 | Chg30d=+0.129 | Revisions Net=+6 | Analysts=6
EPS current Year (2026-12-31): EPS=10.46 | Chg7d=+0.000 | Chg30d=+0.388 | Revisions Net=+4 | Growth EPS=+19.5% | Growth Revenue=+14.6%
EPS next Year (2027-12-31): EPS=12.27 | Chg7d=+0.000 | Chg30d=+0.578 | Revisions Net=+4 | Growth EPS=+17.3% | Growth Revenue=+7.4%
[Analyst] Revisions Ratio: +1.00 (6 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 4.1% (Discount Rate 7.9% - Earnings Yield 3.9%)
[Growth] Growth Spread = +15.9% (Analyst 20.0% - Implied 4.1%)