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FirstCash Holdings, Inc. FCFS

Financial — Credit Services
Dividend Champion (5y)
Growth Flags show if company had growth for consecutive years

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Insider Decisions

Total sells
21.76
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell 1 4 1 — 5 — — 5 1 — 3 1
Insider Ownership
10.16%

Capital & Financial Ratios

Market Cap
9,500.00
Revenue
4,120.34
Net Income
388.15
Free Cash Flow
531.91
Net Debt
2,173.74
Current Ratio
4.89
Debt/Equity
1.01
P/E ratio
25.00
P/S ratio
2.33
P/B ratio
4.13
Past 5Y EPS Growth
8.50%
This Y EPS Growth
28.90%
Next Y EPS Growth
16.00%
Next 5Y EPS Growth
21.04%
in millions of $

Dividends

Payout Ratio
0.26
Annual Dividend Rate
1.34
Annual Dividend Yield
1.21%
total individual payouts
2028 ‡‡‡‡
2027 ‡‡‡‡
2026 1.68
—
—
—
2025 1.60
—
—
—
—
2024 1.46
—
—
—
—
2023 1.36
—
—
—
—
2022 1.26
—
—
—
—
2021 1.17
—
—
—
—
2020 1.08
—
—
—
—
2019 1.02
—
—
—
—
2018 0.91
—
—
—
—
2017 0.77
—
—
—
—
2016 0.57
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 127.02 175.10 125.20 172.30
Receivables 657.67 738.69 1,097.63 1,149.44
Inventory 312.09 334.58 487.23 570.49
Other 171.19 128.44 114.28 84.57
1,306.60 1,403.75 1,856.47 2,018.71
2023 2024 2025 Q'26
Payables 163.05 171.54 212.62 208.17
ST’ Debt — — — —
Other 70.58 72.70 83.91 93.44
335.59 339.40 407.81 413.12
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 1,051.65 1,074.69 — —
—
’25 836.42 830.62 935.58 1,058.42
3,661.04
’24 836.37 831.01 837.32 883.81
3,388.51
’23 762.74 750.62 786.30 852.13
3,151.80
’22 659.84 647.62 672.14 749.34
2,728.94
’21 407.94 389.58 399.67 501.77
1,698.97
’20 466.49 412.75 359.89 392.16
1,631.28
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 153.63 176.78 — —
—
’25 126.64 116.85 135.80 206.65
585.94
’24 122.53 106.19 113.09 198.15
539.96
’23 110.59 95.08 111.37 99.11
416.14
’22 120.15 106.62 99.03 143.51
469.31
’21 69.17 44.58 24.10 85.45
223.30
’20 77.39 65.91 34.07 44.90
222.26
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 102.97 149.33 — —
—
’25 106.85 82.66 108.15 171.47
469.12
’24 84.77 80.19 66.52 154.17
385.64
’23 79.28 63.50 80.86 61.91
285.54
’22 102.88 45.64 69.96 132.34
350.82
’21 45.24 18.39 4.36 33.79
101.78
’20 57.19 46.04 25.34 10.65
139.22
in millions of $

EPS

Mar Jun Sep Dec Year
’26 2.43 2.12 — —
—
’25 1.87 1.34 1.86 2.35
7.42
’24 1.35 1.08 1.44 1.86
5.73
’23 1.02 0.99 1.26 1.53
4.80
’22 0.58 1.81 1.26 1.72
5.36
’21 0.82 0.70 0.82 0.70
3.04
’20 0.78 0.62 0.36 0.79
2.56

Target Price Range

High
‡‡‡‡‡
‡‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡‡

Recommendation Rating

1.4
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 58.30 85.30 100.24 102.42 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 100.00 116.83 133.64 166.08 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 18,000 19,000 20,000 22,000 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.15 0.17 0.17 0.17 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,728.94 3,151.80 3,388.51 3,661.04 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 46.34% 47.82% 48.09% 50.28% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 323.63 292.85 342.78 447.56 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 11.86% 9.29% 10.12% 12.23% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 253.50 219.30 258.82 330.38 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 504.67 505.42 503.77 367.74 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 57.80 69.34 75.36 82.62 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 5.36 4.80 5.73 7.42 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.94 9.16 12.01 13.22 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (2.51) (2.87) (3.43) (2.64) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7.43 6.28 8.58 10.59 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 39.81 43.92 45.68 51.38 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 47.21 45.45 44.97 44.31 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 16.39 22.28 18.08 21.48 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.52 1.54 1.37 1.93 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.21 2.43 2.27 3.10 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.02 2.04 1.86 2.53 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 15.69 22.55 16.37 19.71 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 469.31 416.14 539.96 585.94 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (118.49) (130.60) (154.31) (116.82) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 350.82 285.54 385.64 469.12 ‡‡‡‡‡ — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 835.13 971.01 1,064.34 1,448.65 — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,467.70 1,605.65 1,729.35 2,208.43 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,350.37 1,478.63 1,554.25 2,083.24 — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,879.77 1,996.42 2,054.16 2,276.76 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.55% 5.35% 5.90% 6.76% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.42% 6.77% 7.68% 7.85% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 13.75% 11.32% 12.78% 15.26% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

FirstCash Holdings (FCFS) has morphed into a revenue juggernaut since its 2016 merger, surging from $1.09 billion to $3.39 billion by 2024—a 15% CAGR fueled by shrewd acquisitions, store expansions, and operational efficiency that doubled revenue per employee. Thriving in inflation and recessions, pawnshops deliver quick liquidity to cash-strapped consumers, with post-COVID rebound exploding revenue 61% in 2022. Analysts forecast continued acceleration to $4.98 billion by 2028, EPS doubling to $14.54, margins recovering to 50%+, and ROE hitting 15%—a cash-spewing machine with FCF poised to fund growth or dividends.

Yet, this rocket has mounting drag: debt ballooned 279% to $1.72 billion to finance the spree, leverage creeping amid high rates, while depreciation spiked on acquired assets. Insider profit-taking raises red flags—no buys, just $25 million in sells by top execs at peak prices, signaling caution despite rosy projections. Valuation looks reasonable with contracting PE to 12.5x by 2028 and attractive EV/FCF, but execution risks in macro stress could echo past downturns.

Is FCFS the resilient underdog of consumer finance, compounding patiently for patient bulls—or a debt-laden trap waiting for rate hikes or recession to expose cracks? Dive into the full analysis for the charts, projections, and plot twists that could make or break this gritty powerhouse.

Read full commentary →

FirstCash Holdings, Inc. (FCFS) Latest News

News by impact score

Fine-tune

15 Sep

3 , 12:07 PM
FirstCash Holdings reported Q2 earnings and its results are compared against other personal loan stocks. Q2 earnings placed against peer performance can shift short-term investor views on relative positioning.

31 Aug

3 , 6:00 AM
FirstCash Holdings increased its unsecured bank credit facility from $700 million to $1.1 billion and extended the maturity date to August 2031. Larger credit facility with longer maturity improves liquidity and debt management without altering core operations or market position.

23 Jul

4 , 6:00 AM
FirstCash Holdings achieved record second quarter results as pawn demand drove GAAP EPS up 58% and adjusted EPS up 40%. The company declared a quarterly cash dividend and authorized a new $150 million share repurchase plan. Record earnings surge plus new $150 million buyback and dividend signal major positive shifts in financial performance and investor appeal.

3 , 9:33 AM
FirstCash Holdings beat revenue expectations in Q2 CY2026 earnings. Quarterly revenue beat can moderately sway near-term investor views and stock movement.

15 Jul

3 , 10:44 AM
Inflation pressures strengthen FirstCash Holdings (FCFS) performance and market position. Inflation pressures improve FirstCash financial results and positioning.

8 Jul

3 , 10:52 AM
EZCORP stock draws attention as rising pawn demand and gold prices increase profits. Sector-wide pawn demand and gold price gains point to parallel revenue upside for FirstCash Holdings.

3 Jul

3 , 11:10 AM
FirstCash Holdings completed a UK pawn acquisition that may leave FCFS stock fully valued with limited upside remaining. UK pawn deal sets FCFS at full valuation and caps near-term stock appreciation potential.

23 Jun

4 PA Media: Money, 4:33 AM
FirstCash Holdings acquires UK pawnbroker Ramsdens for £206m in a takeover deal. Acquisition expands FCFS into UK market via major strategic deal valued at £206m.

4 , 2:20 AM
FirstCash Holdings, Inc. (FCFS) is acquiring Ramsdens, a leading pawn, retail and financial services operator in the United Kingdom. Acquisition expands FirstCash into UK market via established operator and represents major strategic growth move.

3 Investor's Business Daily, 1:43 PM
FirstCash Holdings (FCFS) is named IBD Stock of the Day after the pawnshop operator completes a major acquisition that expands its store network and market reach. Acquisition-driven store expansion can lift revenue and market share but faces integration and competitive risks that limit overall trajectory change.

4 Jun

4 Simply Wall St., 2:08 PM
FirstCash Holdings raised 2026 revenue guidance, pointing to stronger expected results and positive effects on shareholder value. Raised 2026 revenue guidance represents a major strategic signal that can shift company trajectory and investor sentiment.

2 Jun

4 www.marketbeat.com, 2:15 PM
FirstCash Holdings transforms its pawn operations into a sustained growth engine, driving stronger performance and market expansion. Successful pivot of core pawn business into scalable growth directly boosts long-term revenue trajectory and investor outlook.

16 May

3 StockStory, 12:44 PM
FCFS presents two favorable factors for investors alongside one notable drawback that could weigh on its outlook. Mixed positive and negative factors point to moderate influence on operations and sentiment without major trajectory shifts.

1 May

4 Simply Wall St., 7:23 AM
FirstCash Holdings, Inc. (FCFS) upsized its senior notes offering to US$750 million, prompting a valuation review amid positive market reception. Upsizing a $750 million senior notes offering signals major capital access for strategic initiatives, significantly influencing FCFS's financial flexibility and stock valuation.

28 Apr

4 GlobeNewswire, 7:20 PM
FirstCash Holdings, Inc. announced the upsizing and pricing of a $750 million senior notes offering due 2034. The $750 million senior notes issuance represents a major capital raise that bolsters financial flexibility for growth and strategic moves.

27 Apr

4 GlobeNewswire, 7:50 AM
FirstCash Holdings, Inc. announced the commencement of a private offering of senior notes due 2029, with initial purchasers granted an option to buy an additional $75 million, targeting qualified institutional buyers to raise funds for general corporate purposes including acquisitions. Senior notes offering provides significant debt capital for growth, acquisitions, and operations, substantially impacting financial flexibility and market valuation.

25 Apr

4 , 2:05 PM
FirstCash Holdings (FCFS) stock rose 5.9% after raising full-year guidance on strong pawn lending performance across locations and increasing its quarterly dividend by 18% to $0.40 per share. Raising guidance on core pawn operations and hiking dividend signals robust financial health, likely enhancing investor sentiment and future performance.

23 Apr

4 investorshub.advfn.com, 8:20 AM
FirstCash Holdings shares surged after a strong Q1 earnings beat and upgraded full-year outlook. Strong Q1 earnings beat and upgraded outlook signal robust financial health and enhanced investor confidence, significantly boosting future market performance.

4 GlobeNewswire, 6:00 AM
FirstCash Holdings, Inc. (FCFS) reported record first-quarter operating results with revenues up 26%, driving 30% EPS growth; pawn receivable growth accelerated and 2026 revenue guidance increased. Record revenues, EPS growth, accelerating pawn receivables, and raised 2026 guidance indicate significant positive impact on future financial performance and investor sentiment.

10 Apr

4 GuruFocus.com, 2:31 PM
Gas prices surged to $4.166, sparking a sharp increase in US pawn loan demand as consumers seek quick cash amid rising fuel costs, benefiting pawn shop operators like FirstCash Holdings. Elevated gas prices to $4.166 drive higher pawn loan demand, significantly boosting FirstCash Holdings' core revenue and market performance.

23 Mar

3 , 1:59 PM
IBD names FirstCash Holdings, Inc. (FCFS) Stock of the Day after it flashes a buy signal and outperforms the market. FCFS IBD buy signal and market outperformance expected to moderately boost investor sentiment and short-term performance.

13 Feb

3 www.fool.com, 3:14 PM
FirstCash Holdings, Inc. has made a $14 million investment in Adtalem Global Education, signaling a potential shift towards healthcare education. This strategic move may indicate FirstCash's interest in diversifying its portfolio and tapping into the growing demand for healthcare professionals. The investment aligns with trends in the education sector, particularly in healthcare, which is experiencing increased enrollment and job opportunities. Analysts suggest that this pivot could enhance FirstCash's market positioning and financial performance in the long run. The investment in Adtalem Global Education may moderately influence FirstCash's financial performance and market positioning in the healthcare education sector.

12 Feb

4 , 11:41 PM
FirstCash Holdings, Inc. (FCFS) is highlighted as a momentum stock for long-term investors due to its strong financial performance and growth potential. The company has shown resilience in the market, making it an attractive option for those looking to invest in stable, upward-trending stocks. Analysts suggest that FCFS's strategic initiatives and market positioning could lead to continued success, making it a noteworthy consideration for investors seeking reliable returns. FCFS's strong financial performance and growth potential indicate significant impact on its future and market performance.

7 Feb

4 Simply Wall St.Simply Wall St.Associated Press FinanceStockStoryMT NewswiresSimply Wall St., 11:05 AM
FirstCash Holdings, Inc. (FCFS) experienced a 6.7% increase in stock value following the announcement of record results for 2025 and the affirmation of its dividend. The company reported strong financial performance, which has positively influenced investor sentiment and market confidence in its future prospects. Record financial results and a confirmed dividend are significant indicators of the company's strong performance and future potential.

5 Feb

4 Associated Press Finance, 6:20 AM
FirstCash Holdings, Inc. reported its Q4 earnings, showcasing a strong performance with significant revenue growth and improved profitability. The company highlighted its strategic initiatives and expansion plans, which contributed to the positive financial results. Management expressed optimism about future growth prospects and market opportunities, reinforcing confidence among investors. Strong financial results and strategic initiatives indicate significant potential for future growth and market performance.

4 StockStory, 6:10 AM
FirstCash Holdings, Inc. (FCFS) reported Q4 CY2025 sales that exceeded analysts' expectations, showcasing strong financial performance. The company's growth reflects its effective strategies and market positioning, contributing positively to investor sentiment. Sales exceeding estimates indicates significant operational success and potential for future growth.

4 GlobeNewswire, 6:00 AM
FirstCash Holdings, Inc. reported record operating results for the fourth quarter and full year, with revenues increasing by 20%, leading to significant earnings growth. The company added 28 new pawn locations through acquisitions and openings during the fourth quarter and declared a quarterly cash dividend. The addition of new locations and strong revenue growth are likely to significantly impact future performance and investor sentiment.

3 Feb

3 StockStory, 10:13 PM
FirstCash Holdings, Inc. (FCFS) is set to report its earnings tomorrow, with analysts anticipating insights into the company's financial performance and strategic direction. Investors are keen to understand how recent market conditions and operational changes may impact future growth. The earnings report is expected to provide clarity on revenue trends and profitability, influencing market sentiment around the stock. Earnings reports typically provide moderate insights into financial performance and can influence investor sentiment.

29 Jan

4 Zacks, 10:00 AM
FirstCash Holdings, Inc. (FCFS) is anticipated to report earnings growth in the upcoming week, driven by strong performance in its pawn and retail operations. Analysts are optimistic about the company's ability to navigate market challenges and capitalize on consumer demand. Investors are closely watching for insights into strategic initiatives and financial health that could influence stock performance. Earnings growth expectations indicate significant potential for improved financial performance and investor sentiment.

14 Jan

4 StockStory, 11:34 PM
FirstCash Holdings, Inc. (FCFS) is highlighted as a financial stock worth monitoring due to its strong performance and strategic positioning in the market. The company has shown resilience and growth potential, making it an attractive option for investors. In contrast, two other financial stocks are recommended for avoidance due to their underperformance and unfavorable market conditions. Investors are encouraged to consider these insights when making decisions about their portfolios. FirstCash Holdings is positioned for significant growth, indicating a likely impact on its future performance.
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