FirstCash (FCFS) AI Stock Analysis

• Market Cap: $7.03B
• Dividend Yield: 1%
• Average Volume (3M): 278.78K
• Price to Earnings (P/E): 23.0
• 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: 252,833
• 30 Day Avg. Volume: 278,776
• 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: 1.35
• Enterprise Value/Revenue: 2.72
• Enterprise Value/Gross Profit: 5.44
• Enterprise Value/Ebitda: 10.58
• 1Y Price Target: $179.33
• Price Target Upside: 11.62% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 5
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 78 Outperform
• Price Target: $181.00 ▲(12.66% Upside)

FirstCash's strong financial performance is the most significant factor driving its stock score, supported by positive technical indicators. The valuation is moderate, reflecting a fair market price. The absence of earnings call and corporate events data did not impact the overall score.

Positive Factors

Revenue Growth

The company's ability to exceed revenue expectations demonstrates strong market demand and effective business operations, supporting long-term growth.

Cash Generation

Strong free cash flow growth indicates robust cash generation capabilities, enabling reinvestment in growth opportunities and debt servicing.

Market Expansion

Expanding store base and strong demand across markets enhance FirstCash's competitive position and revenue potential in the long term.

Negative Factors

Increasing Debt Levels

Rising debt levels could strain financial flexibility, requiring careful management to avoid impacting long-term financial stability.

Dividend Yield

A low dividend yield may not attract income-focused investors, potentially limiting the stock's appeal in a competitive financial sector.

Debt Management

The need for careful debt management suggests potential risks if leverage is not controlled, which could impact long-term financial health.

FirstCash Business Overview & Revenue Model

Company Description

FirstCash, Inc. is a leading retail and consumer finance company specializing in pawn and retail operations. The company operates through two primary segments: pawn operations and retail operations. FirstCash provides financial services such as pawn loans, retail sales, and other consumer financial products across its network of stores, primarily targeting customers who are underserved by traditional banking institutions. The company has a significant presence in the United States and Latin America, focusing on providing accessible financial solutions and a wide range of merchandise through its pawn and retail stores.

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 performance with robust revenue growth, healthy profit margins, and efficient cash flow management. The company's balanced leverage and effective use of equity contribute to its financial stability. However, increasing debt levels require careful management.

Income Statement

FirstCash has demonstrated strong revenue growth with a notable increase of 9.44% in the latest year. The company maintains healthy profit margins, with a gross profit margin of 48.09% and a net profit margin of 7.64%. EBIT and EBITDA margins are also robust at 13.22% and 29.11%, respectively, indicating efficient operations. The consistent growth trajectory and stable profitability metrics highlight the company's strong performance in the financial services sector.

Balance Sheet

The balance sheet reflects a balanced approach to leverage with a debt-to-equity ratio of 0.998, which is manageable within the industry context. Return on equity stands at 12.60%, showcasing effective utilization of shareholder funds. The equity ratio is healthy, indicating a solid capital structure. However, the increasing debt levels over the years could pose potential risks if not managed carefully.

Cash Flow

FirstCash's cash flow statement reveals a strong free cash flow growth rate of 30.42%, indicating improved cash generation capabilities. The operating cash flow to net income ratio of 1.59 suggests efficient cash conversion from earnings. The free cash flow to net income ratio of 0.87 further underscores the company's ability to generate cash relative to its net income, supporting future growth and debt servicing.

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	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: 160.66
• 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 160.66 is above the 20-day moving average (MA) of 157.76, above the 50-day MA of 155.47, and above the 200-day MA of 135.43, indicating a bullish trend. The MACD of 0.71 indicates Negative momentum. The RSI at 57.50 is Neutral, neither overbought nor oversold. The STOCH value of 87.86 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
FCFS	78 Outperform	$7.03B	23.00	14.75%	1.00%	3.86%	28.06%
OMF	77 Outperform	$7.42B	10.70	21.41%	6.61%	9.51%	29.38%
EZPW	75 Outperform	$1.18B	14.17	11.98%	―	9.70%	26.63%
ENVA	73 Outperform	$3.23B	11.96	23.81%	―	21.10%	76.12%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WRLD	67 Neutral	$784.03M	14.89	14.57%	―	2.31%	-27.81%
PRAA	61 Neutral	$646.49M	―	-31.97%	―	13.89%	-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.