(FCFS) FirstCash - Ratings and Ratios
Pawn Loans, Retail Merchandise, Lease-To-Own, Retail Finance
FCFS EPS (Earnings per Share)
FCFS Revenue
Description: FCFS FirstCash November 05, 2025
FirstCash Holdings, Inc. (NASDAQ:FCFS) operates a network of retail pawn shops across the United States, Mexico, and broader Latin America, organized into three segments: U.S. Pawn, Latin America Pawn, and Retail POS Payment Solutions. The core business lends against personal property-jewelry, electronics, tools, appliances, sporting goods, and musical instruments-and sells merchandise obtained from forfeited collateral and direct customer purchases. Its POS payment solutions unit offers short-term financing products to traditional and e-commerce merchants, targeting cash- and credit-constrained consumers.
Key recent metrics (FY 2023) include total revenue of roughly **$1.1 billion**, a **net income of $70 million**, and an **average loan size of $250**. The company’s loan portfolio sits at about **$3.2 billion**, with a delinquency rate near **6.5%**, while same-store sales grew **~3% YoY**, reflecting modest resilience amid tighter credit conditions.
Sector-level drivers that materially affect FirstCash are the prevailing **interest-rate environment**-higher rates can boost pawn loan yields but also increase borrower default risk-and **labor-market health**, as rising unemployment typically expands the addressable cash-constrained consumer base. Additionally, the shift toward **digital payment solutions** in the POS segment aligns with broader fintech adoption trends, offering cross-sell opportunities for the firm’s financing products.
If you’re looking to model FirstCash’s valuation under different macro scenarios, ValueRay provides a transparent, data-rich toolkit that can help you stress-test assumptions and compare peer benchmarks.
FCFS Stock Overview
| Market Cap in USD | 7,030m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 1991-04-25 |
FCFS Stock Ratings
| Growth Rating | 96.2% |
| Fundamental | 76.7% |
| Dividend Rating | 59.6% |
| Return 12m vs S&P 500 | 32.5% |
| Analyst Rating | 4.20 of 5 |
FCFS Dividends
| Dividend Yield 12m | 0.97% |
| Yield on Cost 5y | 2.70% |
| Annual Growth 5y | 7.83% |
| Payout Consistency | 100.0% |
| Payout Ratio | 18.9% |
FCFS Growth Ratios
| Growth Correlation 3m | 85.4% |
| Growth Correlation 12m | 96.4% |
| Growth Correlation 5y | 93% |
| CAGR 5y | 21.54% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.92 |
| CAGR/Mean DD 3y (Pain Ratio) | 2.83 |
| Sharpe Ratio 12m | 1.10 |
| Alpha | 38.46 |
| Beta | 0.691 |
| Volatility | 23.95% |
| Current Volume | 167.1k |
| Average Volume 20d | 256.1k |
| Stop Loss | 155.6 (-3.2%) |
| Signal | 0.59 |
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income (309.8m TTM) > 0 and > 6% of Revenue (6% = 209.2m TTM) |
| FCFTA 0.10 (>2.0%) and ΔFCFTA 1.63pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 41.11% (prev 30.41%; Δ 10.69pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.11 (>3.0%) and CFO 554.7m > Net Income 309.8m (YES >=105%, WARN >=100%) |
| Net Debt (124.8m) to EBITDA (732.3m) ratio: 0.17 <= 3.0 (WARN <= 3.5) |
| Current Ratio 4.99 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (45.0m) change vs 12m ago 0.0% (target <= -2.0% for YES) |
| Gross Margin 87.07% (prev 48.07%; Δ 39.01pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 72.82% (prev 76.42%; Δ -3.59pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 4.66 (EBITDA TTM 732.3m / Interest Expense TTM 113.2m) >= 6 (WARN >= 3) |
Altman Z'' 4.08
| (A) 0.28 = (Total Current Assets 1.79b - Total Current Liabilities 359.3m) / Total Assets 5.18b |
| (B) 0.31 = Retained Earnings (Balance) 1.58b / Total Assets 5.18b |
| (C) 0.11 = EBIT TTM 527.5m / Avg Total Assets 4.79b |
| (D) 0.51 = Book Value of Equity 1.51b / Total Liabilities 2.98b |
| Total Rating: 4.08 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 76.68
| 1. Piotroski 6.50pt = 1.50 |
| 2. FCF Yield 7.03% = 3.52 |
| 3. FCF Margin 14.44% = 3.61 |
| 4. Debt/Equity 0.12 = 2.49 |
| 5. Debt/Ebitda 0.17 = 2.48 |
| 6. ROIC - WACC (= 1.66)% = 2.07 |
| 7. RoE 14.66% = 1.22 |
| 8. Rev. Trend 84.98% = 6.37 |
| 9. EPS Trend 68.25% = 3.41 |
What is the price of FCFS shares?
Over the past week, the price has changed by +1.41%, over one month by +4.59%, over three months by +19.35% and over the past year by +51.11%.
Is FirstCash a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FCFS is around 182.75 USD . This means that FCFS is currently undervalued and has a potential upside of +13.7% (Margin of Safety).
Is FCFS a buy, sell or hold?
- Strong Buy: 3
- Buy: 0
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the FCFS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 173 | 7.6% |
| Analysts Target Price | 173 | 7.6% |
| ValueRay Target Price | 203.9 | 26.9% |
FCFS Fundamental Data Overview November 01, 2025
P/E Trailing = 24.3769
P/E Forward = 16.9779
P/S = 2.0747
P/B = 3.0904
P/EG = 2.28
Beta = 0.691
Revenue TTM = 3.49b USD
EBIT TTM = 527.5m USD
EBITDA TTM = 732.3m USD
Long Term Debt = 1.73b USD (from longTermDebt, last fiscal year)
Short Term Debt = 95.2m USD (from shortTermDebt, last fiscal year)
Debt = 255.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 124.8m USD (from netDebt column, last quarter)
Enterprise Value = 7.15b USD (7.03b + Debt 255.0m - CCE 130.2m)
Interest Coverage Ratio = 4.66 (Ebit TTM 527.5m / Interest Expense TTM 113.2m)
FCF Yield = 7.03% (FCF TTM 503.3m / Enterprise Value 7.15b)
FCF Margin = 14.44% (FCF TTM 503.3m / Revenue TTM 3.49b)
Net Margin = 8.88% (Net Income TTM 309.8m / Revenue TTM 3.49b)
Gross Margin = 87.07% ((Revenue TTM 3.49b - Cost of Revenue TTM 450.8m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 49.70%)
Tobins Q-Ratio = 1.38 (Enterprise Value 7.15b / Total Assets 5.18b)
Interest Expense / Debt = 12.63% (Interest Expense 32.2m / Debt 255.0m)
Taxrate = 26.38% (29.7m / 112.5m)
NOPAT = 388.4m (EBIT 527.5m * (1 - 26.38%))
Current Ratio = 4.99 (Total Current Assets 1.79b / Total Current Liabilities 359.3m)
Debt / Equity = 0.12 (Debt 255.0m / totalStockholderEquity, last quarter 2.20b)
Debt / EBITDA = 0.17 (Net Debt 124.8m / EBITDA 732.3m)
Debt / FCF = 0.25 (Net Debt 124.8m / FCF TTM 503.3m)
Total Stockholder Equity = 2.11b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.98% (Net Income 309.8m / Total Assets 5.18b)
RoE = 14.66% (Net Income TTM 309.8m / Total Stockholder Equity 2.11b)
RoCE = 13.73% (EBIT 527.5m / Capital Employed (Equity 2.11b + L.T.Debt 1.73b))
RoIC = 10.24% (NOPAT 388.4m / Invested Capital 3.79b)
WACC = 8.59% (E(7.03b)/V(7.28b) * Re(8.56%) + D(255.0m)/V(7.28b) * Rd(12.63%) * (1-Tc(0.26)))
Discount Rate = 8.56% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -81.65 | Cagr: -0.50%
[DCF Debug] Terminal Value 79.78% ; FCFE base≈444.0m ; Y1≈547.7m ; Y5≈934.4m
Fair Price DCF = 324.4 (DCF Value 14.39b / Shares Outstanding 44.4m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 68.25 | EPS CAGR: 12.12% | SUE: 3.38 | # QB: 4
Revenue Correlation: 84.98 | Revenue CAGR: 8.41% | SUE: 4.0 | # QB: 1
Additional Sources for FCFS Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle