(FCFS) FirstCash - Ratings and Ratios
Pawn Loans, Retail Merchandise, Lease-To-Own, Retail Finance
EPS (Earnings per Share)
Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 27.0% |
| Value at Risk 5%th | 37.3% |
| Relative Tail Risk | -12.51% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.41 |
| Alpha | 36.24 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.291 |
| Beta | 0.304 |
| Beta Downside | 0.249 |
| Drawdowns 3y | |
|---|---|
| Max DD | 23.38% |
| Mean DD | 7.60% |
| Median DD | 6.50% |
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 | 7,062m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 1991-04-25 |
| Return 12m vs S&P 500 | 28.8% |
| Analyst Rating | 4.20 of 5 |
FCFS Dividends
| Metric | Value |
|---|---|
| Dividend Yield | 1.03% |
| Yield on Cost 5y | 2.61% |
| Yield CAGR 5y | 7.83% |
| Payout Consistency | 100.0% |
| Payout Ratio | 19.4% |
FCFS Growth Ratios
| Metric | Value |
|---|---|
| CAGR 3y | 19.77% |
| CAGR/Max DD Calmar Ratio | 0.85 |
| CAGR/Mean DD Pain Ratio | 2.60 |
| Current Volume | 302.3k |
| Average Volume | 244.6k |
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 1.95pp (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 577.4m > 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 63.26% (prev 48.07%; Δ 15.20pp) >=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) 78.86
| 1. Piotroski 6.50pt = 1.50 |
| 2. FCF Yield 5.55% = 2.77 |
| 3. FCF Margin 15.14% = 3.78 |
| 4. Debt/Equity 1.17 = 1.85 |
| 5. Debt/Ebitda 0.17 = 2.48 |
| 6. ROIC - WACC (= 4.37)% = 5.46 |
| 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 -3.94%, over one month by -1.54%, over three months by +11.97% and over the past year by +47.60%.
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 | 181.7 | 17.5% |
| Analysts Target Price | 181.7 | 17.5% |
| ValueRay Target Price | 193.2 | 25% |
FCFS Fundamental Data Overview November 15, 2025
P/E Trailing = 23.1563
P/E Forward = 15.1515
P/S = 2.0255
P/B = 3.1683
P/EG = 2.28
Beta = 0.534
Revenue TTM = 3.49b USD
EBIT TTM = 527.5m USD
EBITDA TTM = 732.3m USD
Long Term Debt = 2.21b USD (from longTermDebt, last quarter)
Short Term Debt = 111.3m USD (from shortTermDebt, last quarter)
Debt = 2.58b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 124.8m USD (from netDebt column, last quarter)
Enterprise Value = 9.51b USD (7.06b + Debt 2.58b - CCE 130.2m)
Interest Coverage Ratio = 4.66 (Ebit TTM 527.5m / Interest Expense TTM 113.2m)
FCF Yield = 5.55% (FCF TTM 527.8m / Enterprise Value 9.51b)
FCF Margin = 15.14% (FCF TTM 527.8m / Revenue TTM 3.49b)
Net Margin = 8.88% (Net Income TTM 309.8m / Revenue TTM 3.49b)
Gross Margin = 63.26% ((Revenue TTM 3.49b - Cost of Revenue TTM 1.28b) / Revenue TTM)
Gross Margin QoQ = 99.93% (prev 49.70%)
Tobins Q-Ratio = 1.84 (Enterprise Value 9.51b / Total Assets 5.18b)
Interest Expense / Debt = 1.25% (Interest Expense 32.2m / Debt 2.58b)
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 = 1.17 (Debt 2.58b / totalStockholderEquity, last quarter 2.20b)
Debt / EBITDA = 0.17 (Net Debt 124.8m / EBITDA 732.3m)
Debt / FCF = 0.24 (Net Debt 124.8m / FCF TTM 527.8m)
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 = 12.19% (EBIT 527.5m / Capital Employed (Equity 2.11b + L.T.Debt 2.21b))
RoIC = 9.84% (NOPAT 388.4m / Invested Capital 3.95b)
WACC = 5.47% (E(7.06b)/V(9.64b) * Re(7.13%) + D(2.58b)/V(9.64b) * Rd(1.25%) * (1-Tc(0.26)))
Discount Rate = 7.13% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -81.65 | Cagr: -0.50%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈461.4m ; Y1≈569.2m ; Y5≈971.1m
Fair Price DCF = 374.2 (DCF Value 16.52b / Shares Outstanding 44.1m; 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
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Fund Manager Positions: Dataroma | Stockcircle