FirstCash (FCFS) AI Stock Analysis

• Market Cap: $5.43B
• Dividend Yield: 1.24%
• Average Volume (3M): 279.02K
• Price to Earnings (P/E): 18.8
• Beta (1Y): -0.04
• Revenue Growth: 2.49%
• EPS Growth: N/A
• Country: US
• Employees: 20,000
• Sector: Financial
• Sector Strength: 73
• Industry: Financial - Credit Services
• EPS (TTM): 1.79
• Shares Outstanding: 44,364,567
• 10 Day Avg. Volume: 264,780
• 30 Day Avg. Volume: 279,020
• PEG Ratio: 2.40
• Price to Book (P/B): 2.92
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 12.38
• Enterprise Value/Market Cap: 1.31
• Enterprise Value/Revenue: 2.48
• Enterprise Value/Gross Profit: 17.74
• Enterprise Value/Ebitda: 14.49
• 1Y Price Target: $152.00
• Price Target Upside: 24.13% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 70 Outperform
• Price Target: $135.00 ▲(10.25%Upside)

FirstCash's strong financial performance and strategic corporate events are significant positives, highlighting its growth potential and stable operations. However, technical indicators suggest caution due to bearish trends. The valuation is fair, balancing the strengths and risks, resulting in a moderate overall score.

Positive Factors

Earnings Performance

FCFS reported higher earnings per share than analysts and consensus estimates, indicating strong financial performance.

Guidance and Forecasts

FCFS increased its full year guidance on all segments.

Negative Factors

Guidance Weakness

The AFF guidance is weak, mostly driven by the bankruptcy of some furniture merchant partners.

Revenue Challenges

Revenue came in below expectation in U.S. pawn due to lower retail merchandise sales and scrap revenue.

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 two key streams: pawn loan fees and retail sales. Pawn loan fees are earned by charging interest and fees on short-term loans secured by personal items. These loans are typically small and are extended to customers who may not have access to traditional credit. The interest and fees from these transactions constitute a significant portion of the company's income. The second revenue stream comes from retail sales of items forfeited by borrowers and directly purchased from customers. These pre-owned goods are sold at the company's retail locations, providing a substantial source of revenue. FirstCash's operations are supported by its extensive network of stores, allowing it to maintain a strong presence in diverse markets and capitalize on the demand for alternative financial services.

FirstCash Financial Statement Overview

Summary

FirstCash has demonstrated strong revenue growth with a Revenue Growth Rate of 24.5% from 2022 to 2023 and a steady Gross Profit Margin around 48%. The Net Profit Margin improved to 8.3% TTM, showcasing enhanced profitability. However, a decrease in EBIT and EBITDA margins suggests rising operational costs, which could impact future profitability.

Income Statement

FirstCash has demonstrated strong revenue growth with a Revenue Growth Rate of 24.5% from 2022 to 2023 and a steady Gross Profit Margin around 48%. The Net Profit Margin improved to 8.3% TTM, showcasing enhanced profitability. However, a decrease in EBIT and EBITDA margins suggests rising operational costs, which could impact future profitability.

Balance Sheet

The company's financial stability is reflected in a solid Debt-to-Equity Ratio of approximately 0.86, indicating a balanced approach to leverage. Return on Equity stands strong at 13.7% TTM, showing efficient use of equity capital. The Equity Ratio of 46.5% TTM suggests a well-capitalized balance sheet, though the high debt levels warrant cautious monitoring.

Cash Flow

Cash flow performance is robust with a significant Free Cash Flow Growth Rate of 38.3% from 2022 to 2023. The Operating Cash Flow to Net Income Ratio is 1.94 TTM, indicating efficient cash generation from operations. However, fluctuations in investing and financing cash flows may impact liquidity management.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.39B	3.15B	2.73B	1.70B	1.63B
Gross Profit	1.63B	1.51B	1.26B	919.15M	911.14M
EBITDA	986.25M	906.71M	851.67M	257.62M	215.15M
Net Income	258.81M	219.30M	253.50M	124.91M	106.58M
Balance Sheet
Total Assets	4.48B	4.29B	3.90B	3.83B	2.37B
Cash, Cash Equivalents and Short-Term Investments	175.09M	127.02M	117.33M	120.05M	65.85M
Total Debt	2.05B	1.92B	1.67B	1.59B	899.42M
Total Liabilities	2.42B	2.29B	2.03B	2.03B	1.09B
Stockholders Equity	2.05B	2.00B	1.88B	1.81B	1.28B
Cash Flow
Free Cash Flow	471.71M	355.99M	433.72M	181.28M	184.72M
Operating Cash Flow	539.96M	416.14M	469.31M	223.30M	222.26M
Investing Cash Flow	-441.59M	-462.33M	-336.44M	-744.64M	-20.35M
Financing Cash Flow	-38.19M	51.31M	-139.27M	576.99M	-186.50M

FirstCash Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 122.45
• 50DMA: Negative
• 100DMA: Negative
• 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 Negative. The current price of 122.45 is below the 20-day moving average (MA) of 133.13, below the 50-day MA of 130.34, and above the 200-day MA of 117.28, indicating a neutral trend. The MACD of -0.43 indicates Positive momentum. The RSI at 30.45 is Neutral, neither overbought nor oversold. The STOCH value of 52.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FCFS.

FirstCash Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ENVA	81 Outperform	$2.83B	13.16	21.56%	―	23.42%	59.17%
EZPW	78 Outperform	$742.69M	11.81	10.84%	―	8.14%	14.79%
FCFS	70 Outperform	$5.43B	18.80	14.17%	1.24%	2.49%	―
OMF	68 Neutral	$6.98B	12.49	20.47%	7.10%	9.07%	―
PRAA	66 Neutral	$632.16M	8.80	6.03%	―	23.90%	―
WRLD	63 Neutral	$843.28M	9.47	19.08%	―	0.77%	―
Sector *	61 Neutral	C$15.12B	6.81	23.28%	5.39%	33.61%	-23.38%

FirstCash Corporate Events

FirstCash Announces Cash Acquisition of H&T Group

FirstCash Holdings, Inc., through its subsidiary Chess Bidco Limited, announced the approval of a cash acquisition of H&T Group plc by H&T shareholders on July 2, 2025. This acquisition, structured as a Court-sanctioned scheme of arrangement, is expected to be finalized in the second half of 2025, pending regulatory approvals and other closing conditions. The acquisition aims to consolidate FirstCash’s position in the market, potentially impacting stakeholders by expanding its operational footprint in the UK.

The most recent analyst rating on (FCFS) stock is a Buy with a $134.00 price target. To see the full list of analyst forecasts on FirstCash stock, see the FCFS Stock Forecast page.

FirstCash Holds Annual Stockholders Meeting with Strong Support

On June 11, 2025, FirstCash Holdings, Inc. held its Annual Meeting of Stockholders, where 92.88% of eligible shares participated in the voting process. Stockholders elected director nominees for a three-year term, ratified the selection of RSM LLP as the independent public accounting firm for 2025, and approved the executive compensation plan, indicating strong shareholder support for the company’s governance and financial strategies.

The most recent analyst rating on (FCFS) stock is a Buy with a $134.00 price target. To see the full list of analyst forecasts on FirstCash stock, see the FCFS Stock Forecast page.

FirstCash Announces Acquisition of H&T Group plc

On May 14, 2025, FirstCash Holdings, Inc. announced its agreement to acquire H&T Group plc, the leading pawn operator in the UK, through its subsidiary Chess Bidco Limited. The acquisition, valued at approximately £297 million, will be executed via a court-sanctioned scheme of arrangement and is expected to close in the second half of 2025, pending regulatory and shareholder approvals. This strategic move marks FirstCash’s entry into the UK market, enhancing its geographic diversification and operational scale, and is anticipated to be accretive to the company’s EBITDA and EPS. The acquisition is supported by irrevocable undertakings from H&T’s board members and aims to leverage H&T’s established brand and experienced management team to drive long-term growth and value for stakeholders.

The most recent analyst rating on (FCFS) stock is a Buy with a $134.00 price target. To see the full list of analyst forecasts on FirstCash stock, see the FCFS Stock Forecast page.

FirstCash Highlights Strong Financial Performance in Presentation

FirstCash Holdings, Inc. has released its latest investor presentation, highlighting its strong financial performance with a revenue of $3.4 billion and a GAAP net income of $281 million for the trailing twelve months as of March 31, 2025. The company continues to focus on growth through opening new retail pawn locations and acquiring existing stores, despite facing challenges such as regulatory risks and competition in the retail payment solutions market.