FirstCash (FCFS) AI Stock Analysis

• Market Cap: $8.75B
• Dividend Yield: 0.99%
• Average Volume (3M): 354.86K
• Price to Earnings (P/E): 21.7
• Beta (1Y): 0.02
• Revenue Growth: 3.86%
• EPS Growth: 28.06%
• Country: US
• Employees: 20,000
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 2.64
• Shares Outstanding: 43,984,695
• 10 Day Avg. Volume: 390,423
• 30 Day Avg. Volume: 354,855
• PEG Ratio: 0.79
• Price to Book (P/B): 3.15
• Price to Sales (P/S): 1.96
• P/FCF Ratio: 15.28
• Enterprise Value/Market Cap: 1.32
• Enterprise Value/Revenue: 3.17
• Enterprise Value/Gross Profit: 6.30
• Enterprise Value/Ebitda: 11.59
• 1Y Price Target: $223.50
• Price Target Upside: 12.37% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): 10.35
• Revenue Forecast (FY): $4.17B

• Rating: 67 Neutral
• Price Target: $214.00 ▲(7.59% Upside)
• Action: Reiterated Date: 03/04/26
• Date: Action: Reiterated 03/04/26

The score is driven mainly by solid financial execution (growth, improving margins, and healthy operating cash flow), tempered by higher 2025 leverage and a recent dip in free cash flow. Technically, the trend is strong but indicators are overheated, and valuation is a modest headwind given the ~26 P/E and low dividend yield.

Positive Factors

Multi-year revenue growth

Sustained multi-year revenue growth and a much larger revenue base (TTM $3.7B) signal durable demand and successful scaling of the pawn/retail model. A larger revenue base improves operating leverage potential and reinforces stable cash generation over the medium term.

Negative Factors

Rising leverage

Materially higher leverage reduces balance-sheet flexibility and raises funding and interest-rate sensitivity. With debt up sharply, the company has less cushion to absorb operational shocks or to pursue opportunistic investments without increasing refinancing or credit-cost risk.

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...

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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 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 compa...

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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 compa...

FirstCash Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	3.66B	3.39B	3.15B	2.73B	1.70B
Gross Profit	1.89B	1.63B	1.51B	1.26B	919.15M
EBITDA	999.78M	986.25M	906.71M	851.67M	257.62M
Net Income	330.38M	258.81M	219.30M	253.50M	124.91M
Balance Sheet
Total Assets	5.30B	4.48B	4.29B	3.90B	3.84B
Cash, Cash Equivalents and Short-Term Investments	125.20M	175.09M	127.02M	117.33M	120.05M
Total Debt	2.82B	2.05B	1.92B	1.67B	1.59B
Total Liabilities	3.02B	2.42B	2.29B	2.03B	2.03B
Stockholders Equity	2.28B	2.05B	2.00B	1.88B	1.81B
Cash Flow
Free Cash Flow	469.12M	471.71M	355.99M	433.72M	181.28M
Operating Cash Flow	585.94M	539.96M	416.14M	469.31M	223.30M
Investing Cash Flow	-828.04M	-441.59M	-462.33M	-336.44M	-744.64M
Financing Cash Flow	176.41M	-38.19M	51.31M	-139.27M	576.99M

FirstCash Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 198.90
• 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 198.9 is above the 20-day moving average (MA) of 192.46, above the 50-day MA of 187.08, and above the 200-day MA of 158.96, indicating a bullish trend. The MACD of 2.51 indicates Negative momentum. The RSI at 58.78 is Neutral, neither overbought nor oversold. The STOCH value of 80.15 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	74 Outperform	$1.75B	6.71	12.48%	―	9.70%	26.63%
ENVA	71 Outperform	$3.63B	12.62	24.45%	―	21.10%	76.12%
OMF	68 Neutral	$6.64B	10.25	23.40%	6.07%	9.51%	29.38%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FCFS	67 Neutral	$8.75B	21.69	15.23%	0.99%	3.86%	28.06%
WRLD	60 Neutral	$762.11M	-193.38	10.79%	―	2.31%	-27.81%
PRAA	53 Neutral	$738.30M	-2.27	-27.34%	―	13.89%	-899.50%

FirstCash Corporate Events