FirstCash (FCFS) AI Stock Analysis

• Market Cap: $7.16B
• Dividend Yield: 0.98%
• Average Volume (3M): 349.51K
• Price to Earnings (P/E): 23.4
• Beta (1Y): -0.06
• 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: 320,818
• 30 Day Avg. Volume: 349,512
• 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: 2.72
• Enterprise Value/Gross Profit: 4.30
• Enterprise Value/Ebitda: 12.97
• 1Y Price Target: $179.33
• Price Target Upside: 11.57% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 4
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: $175.00 ▲(8.88% Upside)

FirstCash's strong financial performance, characterized by robust revenue growth and profitability, is the primary driver of its stock score. Technical indicators support a positive trend, although valuation metrics suggest the stock is moderately priced. The absence of earnings call and corporate events data did not impact the score.

Positive Factors

Geographic Diversification

The acquisition of H&T Group expands FirstCash's market presence into Europe, providing geographic diversification and reducing reliance on existing markets, which can enhance resilience against regional economic fluctuations.

Revenue Growth

Strong revenue growth indicates robust market demand and effective business strategies, supporting long-term expansion and profitability potential.

Cash Generation

Consistent cash generation supports operational flexibility and investment in growth opportunities, ensuring financial stability and shareholder value.

Negative Factors

Debt Levels

Rising debt levels could strain financial resources and limit strategic options, potentially impacting long-term financial health if not managed prudently.

Cash Flow Decline

A decline in operating cash flow may indicate challenges in maintaining cash conversion efficiency, which could affect liquidity and investment capacity.

EBITDA Margin Decline

A declining EBITDA margin suggests potential pressure on operational efficiency, which could impact profitability if not addressed through cost management or revenue enhancement.

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 interest and fees associated with pawn loans, which are short-term secured loans provided to customers in exchange for collateral, typically personal valuables. The company also earns significant income from the retail sales of merchandise that it acquires through pawn transactions. Additional revenue streams include the sale of other financial services, such as check cashing and money transfers. FirstCash's business model benefits from high transaction volumes, with a focus on customer convenience and quick access to cash, which attracts a wide range of clients. The company maintains strategic partnerships with various financial service providers, enhancing its service offerings and customer base.

FirstCash Financial Statement Overview

Summary

FirstCash exhibits strong financial health with solid revenue growth and profitability metrics. The balance sheet is well-structured, supporting growth while managing leverage. The cash flow statement underscores the company's ability to generate cash, although recent declines in cash flow growth should be closely monitored.

Income Statement

FirstCash has demonstrated strong revenue growth over the years, with a notable increase from $1.69 billion in 2021 to $3.39 billion TTM. The gross profit margin remains stable around 50%, and the net profit margin is improving, reaching 8.6% TTM. EBIT and EBITDA margins have also shown resilience, indicating efficient operations. However, the EBITDA margin has slightly declined from previous highs.

Balance Sheet

The company maintains a moderate debt-to-equity ratio of 0.83, showcasing manageable leverage. The equity ratio of 47.4% TTM indicates a balanced capital structure. ROE has been consistent at 13.6% TTM, reflecting effective utilization of equity. However, the increase in total debt requires careful monitoring to prevent potential liquidity risks.

Cash Flow

Free cash flow generation remains robust, with a TTM free cash flow of $272.7 million. The operating cash flow to net income ratio is stable at 1.07, indicating healthy cash conversion. However, a significant decrease in operating cash flow from 2024 to TTM warrants attention. The free cash flow growth rate has slowed compared to previous years.

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	2.21B	1.63B	1.51B	1.26B	919.15M	911.14M
EBITDA	732.30M	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	3.83B	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	403.56M	471.71M	355.99M	433.72M	181.28M	184.72M
Operating Cash Flow	441.64M	539.96M	416.14M	469.31M	223.30M	222.26M
Investing Cash Flow	-280.32M	-441.59M	-462.33M	-336.44M	-744.64M	-20.35M
Financing Cash Flow	-165.03M	-38.19M	51.31M	-139.27M	576.99M	-186.50M

FirstCash Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 160.73
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 160.73 is above the 20-day moving average (MA) of 156.14, above the 50-day MA of 152.47, and above the 200-day MA of 131.93, indicating a bullish trend. The MACD of 2.22 indicates Negative momentum. The RSI at 62.31 is Neutral, neither overbought nor oversold. The STOCH value of 84.12 is Negative, 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
EZPW	79 Outperform	$1.10B	14.28	10.95%	―	8.31%	23.50%
OMF	77 Outperform	$7.17B	10.33	21.41%	7.46%	9.51%	29.38%
ENVA	77 Outperform	$3.17B	11.29	23.81%	―	21.10%	76.12%
FCFS	71 Outperform	$7.16B	23.42	14.75%	0.98%	3.86%	28.06%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WRLD	63 Neutral	$731.81M	12.45	14.57%	―	2.31%	―
PRAA	46 Neutral	$529.64M	―	-31.97%	―	13.79%	-899.50%

FirstCash Corporate Events

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.

FirstCash Completes Acquisition of H&T Group

On August 14, 2025, FirstCash Holdings completed the acquisition of H&T Group, the leading pawnbroker in the U.K. with 286 stores. This strategic move is expected to enhance FirstCash’s market leadership in the U.K., provide geographic diversification, and contribute to earnings and EBITDA accretion. The acquisition is anticipated to add $0.20 to $0.25 per share to FirstCash’s earnings for the remainder of 2025, despite the incremental borrowing costs incurred to fund the transaction.

The most recent analyst rating on (FCFS) stock is a Buy with a $172.00 price target. To see the full list of analyst forecasts on FirstCash stock, see the FCFS Stock Forecast page.

FirstCash Completes Acquisition of H&T Group plc

On August 14, 2025, FirstCash Holdings, Inc. completed its acquisition of H&T Group plc, the largest operator of pawn stores in the United Kingdom. This strategic acquisition marks FirstCash’s entry into the European market, enhancing its global leadership in the pawn industry. The acquisition is expected to be immediately accretive to earnings, with anticipated benefits from operating synergies and increased scale. The transaction was funded through FirstCash’s existing U.S. revolving credit facility, and it positions the company for further international expansion.

The most recent analyst rating on (FCFS) stock is a Buy with a $130.00 price target. To see the full list of analyst forecasts on FirstCash stock, see the FCFS Stock Forecast page.

FirstCash Reports Strong Q2 2025 Financial Growth

FirstCash Holdings, Inc. recently released its latest investor presentation, highlighting strong financial performance with a revenue of $3.4 billion and an adjusted net income of $343 million for the trailing twelve months as of June 30, 2025. The company reported significant growth in its second quarter of 2025, with a 24% increase in GAAP EPS and a 31% rise in adjusted EPS compared to the previous year. The anticipated acquisition of H&T Group plc is on track to close in August, which could further enhance FirstCash’s market position and operational capabilities.

The most recent analyst rating on (FCFS) stock is a Buy with a $130.00 price target. To see the full list of analyst forecasts on FirstCash stock, see the FCFS Stock Forecast page.