First Cash Financial Services (FCFS)
NASDAQ:FCFS
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FirstCash
(NASDAQ:FCFS)
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Rating:72Outperform
Price Target:
$259.00
▲(25.26% Upside)
Action:Reiterated
Date:05/13/26
The score is driven primarily by solid financial performance (strong free-cash-flow generation and healthy margins) and a clear upward price trend. Offsetting factors are stretched momentum signals (RSI/Stoch) and mixed balance-sheet consistency alongside debt-related financing activity; valuation is acceptable but not especially compelling given the low dividend yield.
Positive Factors
Strong free cash flow generation
Sustained high free cash flow (TTM ~$553M) indicates durable internal funding for store growth, debt service, and opportunistic capital allocation. Reliable cash conversion versus net income improves resilience through cycles and supports reinvestment without depending solely on external financing.
Negative Factors
Balance-sheet leverage volatility
Material swings in reported leverage signal inconsistent capital structure and heightened refinancing risk. Periods of elevated debt-to-equity can increase interest burden and constrain strategic options, reducing flexibility for M&A, buybacks, or investments during adverse conditions over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong free cash flow generation
Sustained high free cash flow (TTM ~$553M) indicates durable internal funding for store growth, debt service, and opportunistic capital allocation. Reliable cash conversion versus net income improves resilience through cycles and supports reinvestment without depending solely on external financing.
Read all positive factors
FirstCash (FCFS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$9.92B
Dividend Yield0.99%
Average Volume (3M)341.03K
Price to Earnings (P/E)19.3
Beta (1Y)0.12
Revenue Growth14.39%
EPS Growth27.91%
CountryUS
Employees20,000
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)8.00
Shares Outstanding43,836,685
10 Day Avg. Volume314,112
30 Day Avg. Volume341,027
Financial Highlights & Ratios
PEG Ratio0.79
Price to Book (P/B)3.15
Price to Sales (P/S)1.96
P/FCF Ratio15.28
Enterprise Value/Market Cap1.26
Enterprise Value/Revenue3.21
Enterprise Value/Gross Profit6.46
Enterprise Value/Ebitda12.04
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
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...
How the Company Makes Money
FirstCash primarily makes money through (1) pawn lending and (2) retail sales of pre-owned goods, with additional earnings from related service fees and ancillary products where offered.
1) Pawn lending revenue (service charges/interest on pawn l...
FirstCash Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
81
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 3.88B | 3.66B | 3.39B | 3.15B | 2.73B | 1.70B |
| Gross Profit | 1.93B | 1.89B | 1.63B | 1.51B | 1.26B | 919.15M |
| EBITDA | 1.04B | 999.78M | 986.25M | 906.71M | 851.67M | 257.62M |
| Net Income | 354.49M | 330.38M | 258.81M | 219.30M | 253.50M | 124.91M |
Balance Sheet | ||||||
| Total Assets | 5.36B | 5.30B | 4.48B | 4.29B | 3.90B | 3.84B |
| Cash, Cash Equivalents and Short-Term Investments | 130.74M | 125.20M | 175.09M | 127.02M | 117.33M | 120.05M |
| Total Debt | 2.61B | 2.82B | 2.05B | 1.92B | 1.67B | 1.59B |
| Total Liabilities | 3.06B | 3.02B | 2.42B | 2.29B | 2.03B | 2.03B |
| Stockholders Equity | 2.30B | 2.28B | 2.05B | 2.00B | 1.88B | 1.81B |
Cash Flow | ||||||
| Free Cash Flow | 502.59M | 469.12M | 471.71M | 355.99M | 433.72M | 181.28M |
| Operating Cash Flow | 612.93M | 585.94M | 539.96M | 416.14M | 469.31M | 223.30M |
| Investing Cash Flow | -893.77M | -828.04M | -441.59M | -462.33M | -336.44M | -744.64M |
| Financing Cash Flow | 250.13M | 176.41M | -38.19M | 51.31M | -139.27M | 576.99M |
FirstCash Technical Analysis
Positive
206.77
Price Trends
208.01
Positive
192.29
Positive
172.15
Positive
Market Momentum
5.48
Positive
63.45
Neutral
35.81
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 206.77 is below the 20-day moving average (MA) of 223.89, below the 50-day MA of 208.01, and above the 200-day MA of 172.15, indicating a bullish trend. The MACD of 5.48 indicates Positive momentum. The RSI at 63.45 is Neutral, neither overbought nor oversold. The STOCH value of 35.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FCFS.
FirstCash Risk Analysis
FirstCash disclosed 36 risk factors in its most recent earnings report. FirstCash reported the most risks in the "Legal & Regulatory" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
FirstCash Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $2.06B | 7.97 | 13.94% | ― | 22.81% | 47.41% | |
74 Outperform | $4.00B | 9.27 | 24.88% | ― | 17.46% | 46.61% | |
72 Outperform | $9.92B | 19.31 | 15.91% | 0.99% | 14.39% | 27.91% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $6.21B | 6.91 | 23.62% | 6.07% | 7.80% | 42.28% | |
59 Neutral | $780.57M | 19.38 | 6.37% | ― | 3.70% | ― | |
51 Neutral | $557.62M | 5.95 | -26.42% | ― | 12.38% | -498.81% |
* Financial Sector Average
FCFS
FirstCash
227.59
101.34
80.26%
EZPW
EZCORP
33.79
20.39
152.16%
PRAA
Pra Group
14.64
1.01
7.41%
WRLD
World Acceptance
159.92
16.47
11.48%
OMF
OneMain Holdings
53.48
6.86
14.70%
ENVA
Enova International
157.51
66.82
73.68%
FirstCash Corporate Events
Business Operations and StrategyFinancial Disclosures
FirstCash Highlights Strong Profit Growth in New Presentation
Positive
May 12, 2026
FirstCash Holdings, Inc. has released a new investor presentation dated May 2026 on its corporate website, detailing the company’s performance and outlook. The materials highlight that, for the trailing twelve months ended March 31, 2026, re...
Private Placements and Financing
FirstCash Completes $750 Million Senior Notes Offering
Positive
May 1, 2026
On May 1, 2026, FirstCash Holdings, Inc. closed a privately placed $750 million offering of 6.125% senior unsecured notes due May 1, 2034, issued by its wholly owned subsidiary FirstCash, Inc. The notes, guaranteed by the parent and key domestic s...
Business Operations and StrategyPrivate Placements and Financing
FirstCash Upsizes Private Offering of Senior Unsecured Notes
Positive
Apr 29, 2026
On April 28, 2026, FirstCash Holdings, Inc. announced that its subsidiary FirstCash, Inc. had upsized and priced a private offering of $750 million in senior unsecured notes due 2034, paying 6.125% interest semi-annually, an increase of $150 milli...
Business Operations and StrategyPrivate Placements and Financing
FirstCash Launches $600 Million Senior Notes Offering
Positive
Apr 27, 2026
On April 27, 2026, FirstCash announced that its wholly owned unit FirstCash, Inc. had launched a $600 million private offering of unsecured senior notes due 2034, guaranteed by the parent company and key domestic subsidiaries. The proceeds are ear...
Business Operations and StrategyFinancial Disclosures
FirstCash Highlights Strong Q1 2026 Results and Outlook
Positive
Apr 24, 2026
FirstCash Holdings, Inc., a major pawn store operator serving largely credit-challenged consumers in the U.S., Latin America and the U.K., has released its latest investor presentation on its corporate website, detailing its operating model and fo...
Business Operations and StrategyFinancial Disclosures
FirstCash Highlights Strong 2025 Results and Pawn Expansion
Positive
Mar 4, 2026
FirstCash Holdings has published its latest investor presentation on its corporate website, outlining trailing twelve-month results through December 31, 2025, including $3.7 billion in revenue, GAAP net income of $330 million, adjusted net income ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.