FCFS Stock Analysis: FirstCash | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 7.773m USD | 12M Return: 22% | US33768G1076 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 101M
EPS Trend: 98.3%
Qual. Beats: 0
Rev. Trend: 93.3%
Qual. Beats: 5
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
FirstCash Holdings, Inc. (NASDAQ: FCFS) operates a multinational network of retail pawn stores across the United States, Mexico, the rest of Latin America, and the United Kingdom, organized into four reporting segments: U.S. Pawn, Latin America Pawn, U.K. Pawn, and Retail POS Payment Solutions. The company lends money against pledged personal property such as jewelry, electronics, tools, appliances, sporting goods, and musical instruments, and then resells items acquired through collateral forfeitures and direct customer purchases.
Through its Retail POS Payment Solutions segment, FirstCash provides lease-to-own (LTO) financing and other point-of-sale payment options to traditional and e-commerce merchant partners. LTO is a form of alternative consumer credit that allows customers to acquire merchandise through scheduled payments, typically serving borrowers who may not qualify for traditional credit products.
The company primarily targets cash- and credit-constrained consumers, a demographic often described as underbanked. FirstCash was incorporated in 1988, is headquartered in Fort Worth, Texas, and adopted its current name in December 2021 after previously operating as FirstCash, Inc.
- Latin America pawn segment growth outpaces U.S. stores
- Gold price fluctuations drive pawn merchandise margins and loan demand
- Retail POS payment solutions segment scales on LTO product adoption
| Net Income: 406.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.11 > 0.02 and ΔFCF/TA 0.53 > 1.0 |
| NWC/Revenue: 38.20% < 20% (prev 41.11%; Δ -2.90% < -1%) |
| CFO/TA 0.12 > 3% & CFO 679.0m > Net Income 406.5m |
| Net Debt (2.97b) to EBITDA (1.02b): 2.91 < 3 |
| Current Ratio: 4.81 > 1.5 & < 3 |
| Outstanding Shares: last quarter (44.2m) vs 12m ago -1.61% < -2% |
| Gross Margin: 48.71% > 18% (prev 50.03%; Δ -1.33% > 0.5%) |
| Asset Turnover: 79.80% > 50% (prev 67.28%; Δ 12.53% > 0%) |
| Interest Coverage Ratio: 4.63 > 6 (EBIT TTM 662.9m / Interest Expense TTM 143.2m) |
| A: 0.29 (Total Current Assets 2.07b - Total Current Liabilities 429.8m) / Total Assets 5.56b |
| B: 0.34 (Retained Earnings 1.92b / Total Assets 5.56b) |
| C: 0.12 (EBIT TTM 662.9m / Avg Total Assets 5.37b) |
| D: 0.69 (Book Value of Equity 2.27b / Total Liabilities 3.29b) |
| Altman-Z'' = 4.61 = AA |
| DSRI: 0.89 (Receivables 1.15b/1.06b, Revenue 4.29b/3.49b) |
| GMI: 1.03 (GM 50.03% / 48.71%) |
| AQI: 0.94 (AQ_t 0.40 / AQ_t-1 0.43) |
| SGI: 1.23 (Revenue 4.29b / 3.49b) |
| TATA: -0.05 (NI 406.5m - CFO 679.0m) / TA 5.56b) |
| Beneish M = -2.97 (Cap -4..+1) = A |
As of November 05, 2026, the stock is trading at USD 193.34 with a total of 563,002 shares traded. Over the past week, the price has changed by +1.75%, over one month by -8.51%, over three months by -9.85% and over the past year by +22.00%.
Current recommended Stop Loss: 182.40 (which is 5.7% or 1.3 ATR below the current price).
FirstCash has received a consensus analysts rating of 5.00. Therefore, it is recommended to buy FCFS.
- StrongBuy: 4
- Buy: 0
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 247.5 | 28% |
P/E Trailing = 19.6158
P/E Forward = 14.5138
P/S = 1.8137
P/B = 3.4201
P/EG = 1.1676
Revenue TTM = 4.29b USD
EBIT TTM = 662.9m USD
EBITDA TTM = 1.02b USD
Long Term Debt = 2.45b USD (from longTermDebt, last quarter)
Short Term Debt = 111.2m USD (from shortTermDebt, last quarter)
Debt = 3.17b USD (from shortLongTermDebtTotal, last quarter) + Leases 360.6m
Net Debt = 2.97b USD (calculated: Debt 3.17b - CCE 203.2m)
Enterprise Value = 10.7b USD (7.77b + Debt 3.17b - CCE 203.2m)
Interest Coverage Ratio = 4.63 (Ebit TTM 662.9m / Interest Expense TTM 143.2m)
EV/FCF = 18.02x (Enterprise Value 10.7b / FCF TTM 595.9m)
FCF Yield = 5.55% (FCF TTM 595.9m / Enterprise Value 10.7b)
FCF Margin = 13.90% (FCF TTM 595.9m / Revenue TTM 4.29b)
Net Margin = 9.48% (Net Income TTM 406.5m / Revenue TTM 4.29b)
Gross Margin = 48.71% ((Revenue TTM 4.29b - Cost of Revenue TTM 2.20b) / Revenue TTM)
Gross Margin QoQ = 49.54% (prev 46.64%)
Tobins Q-Ratio = 1.93 (Enterprise Value 10.7b / Total Assets 5.56b)
Interest Expense / Debt = 4.52% (Interest Expense 143.2m / Debt 3.17b)
Taxrate = 26.57% (147.1m / 553.6m)
NOPAT = 486.8m (EBIT 662.9m * (1 - 26.57%))
Current Ratio = 4.81 (Total Current Assets 2.07b / Total Current Liabilities 429.8m)
Debt / Equity = 1.39 (Debt 3.17b / totalStockholderEquity, last quarter 2.27b)
Debt / EBITDA = 2.91 (Net Debt 2.97b / EBITDA 1.02b)
Debt / FCF = 4.98 (Net Debt 2.97b / FCF TTM 595.9m)
Total Stockholder Equity = 2.29b (last 4 quarters mean from totalStockholderEquity)
RoA = 7.57% (Net Income 406.5m / Total Assets 5.56b)
RoE = 17.73% (Net Income TTM 406.5m / Total Stockholder Equity 2.29b)
RoCE = 13.99% (EBIT 662.9m / Capital Employed (Equity 2.29b + L.T.Debt 2.45b))
RoIC = 9.66% (NOPAT 486.8m / Invested Capital 5.04b)
WACC = 6.26% (E(7.77b)/V(10.9b) * Re(7.46%) + D(3.17b)/V(10.9b) * Rd(4.52%) * (1-Tc(0.27)))
Discount Rate = 7.46% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -90.64 | Cagr: -1.03%
[DCF] Terminal Value 77.64% ; FCFF base≈568.7m ; Y1≈640.3m ; Y5≈899.9m
[DCF] Fair Price = 248.0 (EV 13.6b - Net Debt 2.97b = Equity 10.6b / Shares 42.9m; r=8.35% [WACC [floored]]; 5y FCF grow 12.90% → 2.50% )
EPS Correlation: 98.33 | EPS CAGR: 22.98% | SUE: 0.34 | # QB: 0
Revenue Correlation: 93.32 | Revenue CAGR: 10.62% | SUE: 0.86 | # QB: 5
EPS current Quarter (2027-03-31): EPS=2.84 | Chg30d=-2.66% | Revisions=+57% | Analysts=4
EPS current Year (2026-12-31): EPS=10.98 | Chg30d=-2.81% | Revisions=+25% | GrowthEPS=+25.4% | GrowthRev=+19.1%
EPS next Year (2027-12-31): EPS=12.75 | Chg30d=-1.43% | Revisions=+25% | GrowthEPS=+16.0% | GrowthRev=+6.9%
[Analyst] Revisions Ratio: +67% (up=6, down=0)