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, Payment

Consumer Finance
Market Cap in USD: 6,955m

IPO / Inception: 1991-04-25
Return 12m vs S&P 500: 32.3%

EPS (Earnings per Share)

EPS CAGR: -43.64%
EPS Trend: 3.0%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: 18.07%
Rev. Trend: 86.8%

Last SUE: 4.00
Qual. Beats: 1

Dividends

Dividend Yield	0.97%
Yield on Cost 5y	2.82%
Yield CAGR 5y	8.14%
Payout Consistency	100.0%
Payout Ratio	19.4%

Risk via 5d forecast
Volatility	25.8%
Value at Risk 5%th	37.5%
Relative Tail Risk	-11.67%

Reward TTM
Sharpe Ratio	1.63
Alpha	52.47
CAGR/Max DD	1.04

Character TTM
Hurst Exponent	0.385
Beta	0.311
Beta Downside	0.204

Drawdowns 3y
Max DD	23.38%
Mean DD	7.20%
Median DD	5.13%

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) 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 (2.45b) to EBITDA (897.1m) ratio: 2.73 <= 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 50.03% (prev 48.07%; Δ 1.97pp) >=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 897.1m / 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) 71.93

1. Piotroski 6.50pt

2. FCF Yield 5.61%

3. FCF Margin 15.14%

4. Debt/Equity 1.17

5. Debt/Ebitda 2.73

6. ROIC - WACC (= 4.37)%

7. RoE 14.66%

8. Rev. Trend 86.81%

9. EPS Trend 3.03%

What is the price of FCFS shares?

As of January 10, 2026, the stock is trading at USD 165.27 with a total of 219,695 shares traded.
Over the past week, the price has changed by +5.42%, over one month by +5.62%, over three months by +6.29% and over the past year by +56.58%.

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	9.9%
Analysts Target Price	181.7	9.9%
ValueRay Target Price	214.9	30%

FCFS Fundamental Data Overview January 05, 2026

P/E Trailing = 22.6889
P/E Forward = 15.0376
P/S = 1.995
P/B = 3.1457
P/EG = 2.28
Beta = 0.535
Revenue TTM = 3.49b USD
EBIT TTM = 527.5m USD
EBITDA TTM = 897.1m 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 = 2.45b USD (from netDebt column, last quarter)
Enterprise Value = 9.40b USD (6.96b + Debt 2.58b - CCE 130.2m)
Interest Coverage Ratio = 4.66 (Ebit TTM 527.5m / Interest Expense TTM 113.2m)
FCF Yield = 5.61% (FCF TTM 527.8m / Enterprise Value 9.40b)
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 = 50.03% ((Revenue TTM 3.49b - Cost of Revenue TTM 1.74b) / Revenue TTM)
Gross Margin QoQ = 50.63% (prev 49.70%)
Tobins Q-Ratio = 1.81 (Enterprise Value 9.40b / 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 = 2.73 (Net Debt 2.45b / EBITDA 897.1m)
Debt / FCF = 4.64 (Net Debt 2.45b / FCF TTM 527.8m)
Total Stockholder Equity = 2.11b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.47% (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(6.96b)/V(9.53b) * Re(7.16%) + D(2.58b)/V(9.53b) * Rd(1.25%) * (1-Tc(0.26)))
Discount Rate = 7.16% (= 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 88.44% ; FCFF base≈461.4m ; Y1≈569.2m ; Y5≈971.1m
Fair Price DCF = 582.8 (EV 28.17b - Net Debt 2.45b = Equity 25.72b / Shares 44.1m; r=6.0% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 3.03 | EPS CAGR: -43.64% | SUE: -4.0 | # QB: 0
Revenue Correlation: 86.81 | Revenue CAGR: 18.07% | SUE: 4.0 | # QB: 1
EPS next Quarter (2026-03-31): EPS=2.38 | Chg30d=+0.000 | Revisions Net=-1 | Analysts=7
EPS next Year (2026-12-31): EPS=10.12 | Chg30d=+0.000 | Revisions Net=+5 | Growth EPS=+16.7% | Growth Revenue=+11.4%

Additional Sources for FCFS Stock

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