(FCFS) FirstCash - Overview
Stock: Pawn Loans, Retail Merchandise, Lease-To-Own, Payment
| Risk 5d forecast | |
|---|---|
| Volatility | 26.0% |
| Relative Tail Risk | -11.2% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.71 |
| Alpha | 56.46 |
| Character TTM | |
|---|---|
| Beta | 0.006 |
| Beta Downside | -0.079 |
| Drawdowns 3y | |
|---|---|
| Max DD | 23.38% |
| CAGR/Max DD | 1.24 |
EPS (Earnings per Share)
Revenue
Description: FCFS FirstCash January 08, 2026
FirstCash Holdings, Inc. (NASDAQ: FCFS) operates a network of retail pawn stores across the United States, Mexico, and the broader Latin American region, and also offers point-of-sale (POS) financing solutions to cash- and credit-constrained consumers. The business is organized into three segments: U.S. Pawn, Latin America Pawn, and Retail POS Payment Solutions, where each store lends against personal property (jewelry, electronics, tools, etc.) and resells forfeited or purchased merchandise.
In FY 2023 the company generated approximately **$1.5 billion** in revenue, with **net income of $140 million**, reflecting a modest **9 % year-over-year increase** in same-store sales. The pawn loan portfolio now sits near **$1.2 billion**, with an average loan size of **$300-$350**, and the delinquency rate has held steady around **3 %**, well below the industry average of roughly 5 %.
Key macro-economic drivers include the prevailing **interest-rate environment**-higher rates boost pawn-loan yields but can also pressure discretionary spending and increase default risk-and **inflation-driven cash constraints** that tend to expand the addressable market for short-term, collateral-backed credit. Additionally, the growth of e-commerce and “buy-now-pay-later” (BNPL) services creates cross-selling opportunities for FirstCash’s POS financing platform.
For a deeper quantitative view, you might explore ValueRay’s detailed valuation models for FCFS.
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?
Over the past week, the price has changed by -1.03%, over one month by +8.71%, over three months by +18.59% and over the past year by +60.53%.
Is FCFS a buy, sell or hold?
- 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 | 10.9% |
| Analysts Target Price | 201.4 | 10.9% |
FCFS Fundamental Data Overview February 21, 2026
P/E Forward = 16.9779
P/S = 2.2073
P/B = 3.5373
P/EG = 2.28
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 = 10.77b USD (8.08b + Debt 2.82b - CCE 125.2m)
Interest Coverage Ratio = 4.69 (Ebit TTM 568.9m / Interest Expense TTM 121.3m)
EV/FCF = 20.99x (Enterprise Value 10.77b / FCF TTM 513.3m)
FCF Yield = 4.76% (FCF TTM 513.3m / Enterprise Value 10.77b)
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 = 2.03 (Enterprise Value 10.77b / 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 = 4.64% (E(8.08b)/V(10.90b) * Re(5.94%) + D(2.82b)/V(10.90b) * Rd(1.25%) * (1-Tc(0.27)))
Discount Rate = 5.94% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -1.25%
[DCF Debug] Terminal Value 88.12% ; FCFF base≈492.8m ; Y1≈587.2m ; Y5≈923.4m
Fair Price DCF = 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 (2026-03-31): EPS=2.40 | Chg30d=+0.015 | Revisions Net=+0 | Analysts=6
EPS current Year (2026-12-31): EPS=10.46 | Chg30d=+0.346 | Revisions Net=+4 | Growth EPS=+19.5% | Growth Revenue=+14.7%
EPS next Year (2027-12-31): EPS=12.27 | Chg30d=+0.612 | Revisions Net=+4 | Growth EPS=+17.3% | Growth Revenue=+7.3%