First Cash Financial Services (FCFS)
NASDAQ:FCFS
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FCFS Stock Chart & Stats
$206.77
$0.81(0.76%)
At close: 4:00 PM EST
$206.77
$0.81(0.76%)
Day’s Range― - ―
52-Week Range$119.21 - $235.97
Previous CloseN/A
Volume68.89K
Average Volume (3M)391.91K
Market Cap
$9.81B
Enterprise Value$12.12B
Total Cash (Recent Filing)$130.74M
Total Debt (Recent Filing)$2.61B
Price to Earnings (P/E)27.4
Beta0.11
Next Earnings
Jul 23, 2026EPS Estimate
2.31Next Dividend Ex-DateN/A
Dividend Yield0.99%
Share Statistics
EPS (TTM)8.00
Shares Outstanding43,836,685
10 Day Avg. Volume479,156
30 Day Avg. Volume391,911
Financial Highlights & Ratios
PEG Ratio0.79
Price to Book (P/B)3.15
Price to Sales (P/S)1.96
P/FCF Ratio13.50
Enterprise Value/Market Cap1.24
Enterprise Value/Revenue3.13
Enterprise Value/Gross Profit6.29
Enterprise Value/Ebitda11.66
Forecast
1Y Price Target
$243.50Price Target Upside17.76% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)10.77
Revenue Forecast (FY)$4.27B
Bulls Say, Bears Say
Bulls Say
Cash GenerationConsistent TTM operating cash flow (~$613M) and strong free cash flow (~$553M, ~90% of net income) provide durable internal funding for store openings, M&A, debt servicing and shareholder returns. High cash conversion reduces reliance on capital markets across cycles.
Margin ProfileSustained high gross margins (~49.7%) and solid net margin (~9.1%) reflect structural profitability from pawn lending spreads and resale of pre-owned goods. These margins support resilience and cash flow generation, underpinning durable profitability despite some year-to-year variability.
Scale & Competitive PositionA >3,300 store footprint, ~14M annual retail transactions and a proprietary data ecosystem create lasting competitive advantages. Scale improves sourcing, pricing and inventory turns, reinforcing FirstCash's leading role as a credit provider to non‑prime consumers and cyclical resilience.
Bears Say
Balance-sheet VolatilityReported swings in debt-to-equity (from ~0.11 TTM to ~1.00–1.24 in recent annual periods) signal capital-structure volatility. This raises refinancing risk and interest expense sensitivity, reducing financial flexibility and making medium-term planning and returns more contingent on debt markets.
New Long-dated Debt & CovenantsThe $750M senior notes extend maturities but add a persistent fixed-interest burden and include covenants limiting dividends, repurchases and additional indebtedness. Over the long term these constraints can restrict capital allocation flexibility and increase leverage under adverse conditions.
Slowing Top-line & ConcentrationRevenue growth has cooled to ~5.9% TTM from prior outsized gains and pawn operations account for ~90% of segment earnings. Slower growth plus earnings concentration heighten reliance on pawn demand and margin management, limiting diversification of durable growth drivers.
FirstCash News
FCFS FAQ
What was First Cash Financial Services’s price range in the past 12 months?
First Cash Financial Services lowest stock price was $119.20 and its highest was $235.97 in the past 12 months.
What is First Cash Financial Services’s market cap?
First Cash Financial Services’s market cap is $9.81B.
When is First Cash Financial Services’s upcoming earnings report date?
First Cash Financial Services’s upcoming earnings report date is Jul 23, 2026 which is in 36 days.
How were First Cash Financial Services’s earnings last quarter?
First Cash Financial Services released its earnings results on Apr 23, 2026. The company reported $2.69 earnings per share for the quarter, beating the consensus estimate of $2.333 by $0.357.
Is First Cash Financial Services overvalued?
According to Wall Street analysts First Cash Financial Services’s price is currently Undervalued.
Does First Cash Financial Services pay dividends?
First Cash Financial Services pays a Quarterly dividend of $0.42 which represents an annual dividend yield of 0.99%. See more information on First Cash Financial Services dividends here
What is First Cash Financial Services’s EPS estimate?
First Cash Financial Services’s EPS estimate is 2.31.
How many shares outstanding does First Cash Financial Services have?
First Cash Financial Services has 43,836,685 shares outstanding.
What happened to First Cash Financial Services’s price movement after its last earnings report?
First Cash Financial Services reported an EPS of $2.69 in its last earnings report, beating expectations of $2.333. Following the earnings report the stock price went up 3.258%.
Which hedge fund is a major shareholder of First Cash Financial Services?
Currently, no hedge funds are holding shares in FCFS
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
FirstCash Stock Smart Score
Outperform
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$243.50 (17.76% Upside)
$243.50 (17.76% Upside)
Blogger Sentiment
Bullish
FCFS Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 324.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $2.6M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▼ 2.2%
Last 30 Days ▲ 1.4%
Last 30 Days ▲ 1.4%
Technicals
SMA
Positive
20 days / 200 days
Momentum
70.18%
12-Months-Change
Fundamentals
Return on Equity
15.91%
Trailing 12-Months
Asset Growth
21.12%
Trailing 12-Months
Company Description
First Cash Financial Services
FirstCash Holdings, Inc., along with its affiliates, oversees a widespread network of retail pawn shops throughout the United States, Mexico, and other parts of Latin America. These establishments provide monetary loans against a diverse range of personal collateral, including jewelry, electronic devices, tools, home appliances, sporting goods, and musical instruments. They also sell merchandise obtained either from defaulted pawn agreements or through direct cash purchases from customers. Beyond its core pawn operations, the firm processes scrap jewelry and trades valuable commodities such as gold, silver, and diamonds on global markets. As of December 31, 2021, its extensive footprint included 1,081 outlets in the U.S. (including the District of Columbia), 1,656 in Mexico, 60 in Guatemala, 13 in El Salvador, and 15 in Colombia. The company was established in 1988 and maintains its principal executive offices in Fort Worth, Texas.
FCFS Stock 12 Month Forecast
Average Price Target
$243.50
▲(17.76% Upside)
Technical Analysis
Ownership Overview
3.14% Insiders
36.19% Mutual Funds
25.21% Other Institutional Investors
11.41% Public Companies and Individual Investors