FirstCash (FCFS) AI Stock Analysis

• Market Cap: $7.52B
• Dividend Yield: 0.99%
• Average Volume (3M): 212.32K
• Price to Earnings (P/E): 24.6
• Beta (1Y): >-0.01
• Revenue Growth: 3.86%
• EPS Growth: 28.06%
• Country: US
• Employees: 20,000
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 2.26
• Shares Outstanding: 44,134,150
• 10 Day Avg. Volume: 202,864
• 30 Day Avg. Volume: 212,318
• PEG Ratio: 0.92
• Price to Book (P/B): 2.27
• Price to Sales (P/S): 1.37
• P/FCF Ratio: 9.88
• Enterprise Value/Market Cap: 1.33
• Enterprise Value/Revenue: 2.87
• Enterprise Value/Gross Profit: 5.74
• Enterprise Value/Ebitda: 11.16
• 1Y Price Target: $210.00
• Price Target Upside: 23.17% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: $182.00 ▲(6.74% Upside)

FirstCash's overall stock score is driven by strong financial performance and strategic corporate events, including a significant acquisition and share buyback. While technical indicators show positive trends, valuation metrics suggest moderate pricing. The absence of earnings call data limits further insights.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.

Strategic Acquisition

The acquisition of H&T Group enhances FirstCash's market position and growth potential, increasing its footprint and competitive edge.

Cash Flow Strength

Strong cash flow generation provides financial flexibility, enabling strategic investments and debt management, supporting long-term growth.

Negative Factors

Increased Leverage

Higher leverage increases financial risk, potentially impacting the company's ability to manage debt and invest in growth opportunities.

Operating Efficiency Pressure

A decrease in EBIT margin suggests pressure on operating efficiency, which could affect profitability if not addressed.

Margin Sustainability

While net margins improved, declining EBIT margins indicate potential challenges in maintaining cost control and operational efficiency.

FirstCash Business Overview & Revenue Model

Company Description

FirstCash Holdings, Inc, together with its subsidiaries, operates retail pawn stores in the United States, Mexico, and rest of Latin America. Its pawn stores lend money on the collateral of pledged personal property, including jewelry, electronics, tools, appliances, sporting goods, and musical instruments; and retails merchandise acquired through collateral forfeitures on forfeited pawn loans and over-the-counter purchases of merchandise directly from customers. The company is also involved in melting scrap jewelry, as well as sells gold, silver, and diamonds in commodity markets. As of December 31, 2021, it operated 1,081 stores in the United States and the District of Columbia; 1,656 stores in Mexico; 60 stores in Guatemala; 13 stores in El Salvador; and 15 stores in Colombia. The company was incorporated in 1988 and is headquartered in Fort Worth, Texas.

How the Company Makes Money

FirstCash generates revenue primarily through its pawn operations, which include interest and fees from pawn loans, as well as the sale of unredeemed pawned items. The company charges interest on pawn loans, which typically have higher rates compared to traditional loans, thus creating a substantial income stream. Additionally, FirstCash earns revenue from the retail sale of merchandise acquired through pawn transactions, including electronics, jewelry, and other goods. The company also engages in the sale of other consumer financial products, such as check cashing and bill payment services, which contribute to its overall revenue. Key partnerships with financial service providers enhance its offerings, while the growing demand for alternative financing solutions among consumers fuels its earnings.

FirstCash Financial Statement Overview

Summary

FirstCash exhibits strong financial health with consistent revenue growth and improved profitability margins. The balance sheet shows increased leverage, which requires careful management, but the company effectively generates cash, enhancing its financial flexibility. Overall, FirstCash is well-positioned in the financial credit services industry, with a solid performance across its financial statements.

Income Statement

FirstCash has demonstrated consistent revenue growth, with a TTM revenue increase of 2.9% and a strong gross profit margin of 63.26%. The net profit margin has improved to 8.88% in the TTM, indicating enhanced profitability. However, the EBIT margin has slightly decreased from the previous year, suggesting some pressure on operating efficiency.

Balance Sheet

The company's debt-to-equity ratio has increased to 1.17 in the TTM, reflecting higher leverage, which could pose a risk if not managed properly. However, the return on equity has improved to 14.66%, indicating effective use of equity to generate profits. Overall, the balance sheet remains stable but with increased financial risk due to higher debt levels.

Cash Flow

FirstCash's operating cash flow has shown a healthy increase, with a TTM operating cash flow coverage ratio of 1.23. The free cash flow has also grown by 4.87%, and the free cash flow to net income ratio is strong at 91.38%, indicating efficient cash generation and utilization. This robust cash flow performance supports the company's financial flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.49B	3.39B	3.15B	2.73B	1.70B	1.63B
Gross Profit	1.74B	1.63B	1.51B	1.26B	919.15M	911.14M
EBITDA	897.15M	986.25M	906.71M	851.67M	257.62M	215.15M
Net Income	309.75M	258.81M	219.30M	253.50M	124.91M	106.58M
Balance Sheet
Total Assets	5.18B	4.48B	4.29B	3.90B	3.84B	2.37B
Cash, Cash Equivalents and Short-Term Investments	130.24M	175.09M	127.02M	117.33M	120.05M	65.85M
Total Debt	2.58B	2.05B	1.92B	1.67B	1.59B	899.42M
Total Liabilities	2.98B	2.42B	2.29B	2.03B	2.03B	1.09B
Stockholders Equity	2.20B	2.05B	2.00B	1.88B	1.81B	1.28B
Cash Flow
Free Cash Flow	527.81M	471.71M	355.99M	433.72M	181.28M	184.72M
Operating Cash Flow	577.45M	539.96M	416.14M	469.31M	223.30M	222.26M
Investing Cash Flow	-768.52M	-441.59M	-462.33M	-336.44M	-744.64M	-20.35M
Financing Cash Flow	206.64M	-38.19M	51.31M	-139.27M	576.99M	-186.50M

FirstCash Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 170.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FCFS, the sentiment is Positive. The current price of 170.5 is above the 20-day moving average (MA) of 167.17, above the 50-day MA of 162.31, and above the 200-day MA of 145.01, indicating a bullish trend. The MACD of 2.15 indicates Positive momentum. The RSI at 58.72 is Neutral, neither overbought nor oversold. The STOCH value of 44.50 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FCFS.

FirstCash Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OMF	79 Outperform	$7.72B	11.12	21.41%	6.07%	9.51%	29.38%
EZPW	75 Outperform	$1.31B	15.71	11.98%	―	9.70%	26.63%
FCFS	74 Outperform	$7.52B	24.62	14.75%	0.99%	3.86%	28.06%
ENVA	73 Outperform	$4.08B	14.26	24.34%	―	21.10%	76.12%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WRLD	67 Neutral	$610.87M	15.52	14.57%	―	2.31%	-27.81%
PRAA	51 Neutral	$499.01M	-1.45	-31.97%	―	13.89%	-899.50%

FirstCash Corporate Events

FirstCash Completes Acquisition of H&T Group

FirstCash Holdings, Inc. recently completed the acquisition of H&T Group, the UK’s leading pawnbroker, on August 14, 2025, expanding its presence with 286 additional stores. The company reported strong financial performance for the third quarter of 2025, with a 28% increase in GAAP net income and a 35% rise in adjusted EPS compared to the previous year, highlighting its robust growth strategy and market positioning.

The most recent analyst rating on (FCFS) stock is a Buy with a $188.00 price target. To see the full list of analyst forecasts on FirstCash stock, see the FCFS Stock Forecast page.

FirstCash Announces $150 Million Share Buyback

On October 30, 2025, FirstCash Holdings announced a new $150 million share repurchase authorization, reflecting the company’s strong liquidity and capital resources. The announcement follows record revenue and earnings results for the third quarter of 2025, driven by strong performance in the U.S. and Latin American pawn segments, as well as contributions from the recently acquired H&T pawn stores in the U.K. The company also declared a quarterly cash dividend and reported significant growth in pawn receivables and store expansions, indicating robust market demand and strategic growth initiatives.

The most recent analyst rating on (FCFS) stock is a Buy with a $200.00 price target. To see the full list of analyst forecasts on FirstCash stock, see the FCFS Stock Forecast page.