Overview Dividends

(FCFS) FirstCash - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US33768G1076

Pawn Loans, Retail Merchandise, Lease-To-Own, Retail Finance

FCFS EPS (Earnings per Share)

EPS Growth (3Y CAGR): 12.12%
EPS Trend (3Y Correlation): 68.2%

FCFS Revenue

Revenue Growth (3Y CAGR): 8.41%
Revenue Trend (3Y Correlation): 85.0%

Risk via 10d forecast
Volatility	27.0%
Value at Risk 5%th	36.4%
Relative Tail Risk	-12.64%

Reward TTM
Sharpe Ratio	1.45
Alpha	43.48

Character TTM
Hurst Exponent	0.308
Beta	0.295
Beta Downside	0.245

Drawdowns 3y
Max DD	23.38%
Mean DD	7.59%
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	7,094m
Sub-Industry	Consumer Finance
IPO / Inception	1991-04-25
Return 12m vs S&P 500	32.4%
Analyst Rating	4.20 of 5

FCFS Dividends

Dividend Yield	1.00%
Yield on Cost 5y	2.66%
Yield CAGR 5y	7.83%
Payout Consistency	100.0%
Payout Ratio	19.4%

FCFS Growth Ratios

CAGR 3y	22.94%
CAGR/Max DD Calmar Ratio	0.98
CAGR/Mean DD Pain Ratio	3.02
Current Volume	244.6k
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 1.63pp (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 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

(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) 79.07

1. Piotroski 6.50pt = 1.50

2. FCF Yield 5.27% = 2.64

3. FCF Margin 14.44% = 3.61

4. Debt/Equity 1.17 = 1.85

5. Debt/Ebitda 0.17 = 2.48

6. ROIC - WACC (= 4.79)% = 5.99

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?

As of November 16, 2025, the stock is trading at USD 160.01 with a total of 244,640 shares traded.
Over the past week, the price has changed by -0.18%, over one month by +0.95%, over three months by +15.49% and over the past year by +51.74%.

Is FirstCash a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, FirstCash (NASDAQ:FCFS) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 79.07 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FCFS is around 189.00 USD . This means that FCFS is currently undervalued and has a potential upside of +18.12% (Margin of Safety).

Is FCFS a buy, sell or hold?

FirstCash has received a consensus analysts rating of 4.20. Therefore, it is recommended to buy FCFS.

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	13.5%
Analysts Target Price	181.7	13.5%
ValueRay Target Price	205	28.1%

FCFS Fundamental Data Overview November 09, 2025

Market Cap USD = 7.09b (7.09b USD * 1.0 USD.USD)
P/E Trailing = 23.1934
P/E Forward = 16.9779
P/S = 2.0347
P/B = 3.0904
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 = 1.73b USD (from longTermDebt, last fiscal year)
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 = 9.54b USD (7.09b + Debt 2.58b - CCE 130.2m)
Interest Coverage Ratio = 4.66 (Ebit TTM 527.5m / Interest Expense TTM 113.2m)
FCF Yield = 5.27% (FCF TTM 503.3m / Enterprise Value 9.54b)
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 = 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 9.54b / 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 = 0.25 (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 = 5.45% (E(7.09b)/V(9.67b) * Re(7.10%) + D(2.58b)/V(9.67b) * Rd(1.25%) * (1-Tc(0.26)))
Discount Rate = 7.10% (= 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≈444.0m ; Y1≈547.7m ; Y5≈934.4m
Fair Price DCF = 360.1 (DCF Value 15.89b / 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

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle