FirstCash Holdings, Inc. Common Stock (FCFS) Stock Analysis
Market Closed
Sector: Consumer Cyclical · Industry: Retail-Miscellaneous Retail
AnalystsStrong Buy11 analystsPrice History
5-Year Weekly Candlestick Chart
Profile
Strong growth and earnings quality.
How is each axis scored?
- Valuation52/100 · Moderate
- P/E vs own history (89th pct)0/25
- FCF yield (5.8%)20/25
- P/S (2.5x)20/25
- EV/EBIT (20.8x)12/25
- Growth100/100 · Strong
- Revenue CAGR (21.2%)25/25
- Net income CAGR (27.5%)25/25
- EPS CAGR 5Y (25.0%)25/25
- Fwd implied growth (66.4%)25/25
- Profitability57/100 · Moderate
- ROIC (13.9%)12/25
- ROE (15.4%)20/25
- Net margin (9.1%)13/25
- Operating margin (12.4%)12/25
- Financial Health73/100 · Moderate
- Altman Z (3.00)18/25
- Current ratio (4.77)25/25
- Interest coverage (4.9x)10/25
- Net cash / debt (D/A 8%)20/25
- Quality97/100 · Strong
- Piotroski F (7/9)22/25
- Beneish M (-2.93)25/25
- FCF conversion (157%)25/25
- Margin stability (σ 1.8%)25/25
About FirstCash Holdings, Inc. Common Stock
FirstCash Holdings Inc is an operator of pawn stores in the U. Show more
S., Latin America and the U.K. The company's primary line of business is the operation of retail pawn stores, also known as pawnshops. It also operates a retail POS payment solutions business. Its two business lines are organized into four reportable segments: The U.S. pawn segment consists of pawn operations in some of U.S. states and the District of Columbia; The Latin America pawn segment consists of pawn operations in Mexico, Guatemala, El Salvador and Colombia; The U.K. pawn segment consists of pawn operations in England, Scotland and Wales; and The retail POS payment solutions segment consists of the operations of American First Finance, LLC, which offers products in the U.S.
Headquarters: FORT WORTH, TX · Employees: 22,000 · Website ↗
Insider Transactions
Recent SEC Form 4 filings
- SellOpen market sale · filed 2026-06-08-6835 sh2026-06-05
- SellOpen market sale · filed 2026-06-01-3165 sh2026-05-28
- SellOpen market sale · filed 2026-05-19-3000 sh2026-05-19
- SellOpen market sale · filed 2026-05-19-10000 sh2026-05-18
- SellOpen market sale · filed 2026-05-19-1000 sh2026-05-18
+3 more recent filings
Key Metrics
Financial snapshot — pillar inputs plus per-share and market context
Valuation
52CP/E (TTM)27.6xC
Grade C: ExpensivePrice / TTM EPS (own statements) — vs own 5Y history: 15.6x–33.1x · 89th pct
P/FCF18.0xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield5.8%A
Grade A: ValueTTM FCF / Market Cap — vs own 5Y history: 3.8%–10.6% · 16th pct
P/S (TTM)2.47xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.4x–2.7x · 94th pct
EV/EBIT20.8xC
Grade C: ExpensiveEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 12.8x–25.7x · 85th pct
EV/Sales2.9xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E16.6xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio4.17xC
Grade C: ExpensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.71A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield0.77%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio21.4%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
57CROIC13.9%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE15.4%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA7.3%C
Grade C: AverageReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin9.1%C
Grade C: AverageNet Income / Revenue
Operating Margin12.4%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin50.5%A
Grade A: PremiumGross Profit / Revenue
FCF Margin14.4%C
Grade C: AverageFCF / Revenue
True FCF Margin13.8%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Financial Health
73B+Altman Z-Score3.00C
Grade C: Gray zoneBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio4.77xA
Grade A: HighCurrent Assets/Liabilities
Quick Ratio3.28xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage4.9xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment0.8yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT0.9xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.25xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.23xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Growth
100A+Revenue CAGR21.2%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR27.5%A
Grade A: HighCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)25.0%A
Grade A: HighCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth66.4%A
Grade A: HighImplied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)+7.8%C
Grade C: DilutiveShare count change over 5Y
SBC / Net Income6.0%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.5%A
Grade A: LowTTM stock-based comp / TTM Revenue
Quality
97A+Piotroski F-Score7/9A
Grade A: StrongFinancial strength 0–9. >7 Strong
Beneish M-Score-2.93A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion157.4%A
Grade A: StrongFCF / Net Income
Margin Stability1.8%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue1.4%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.69xC
Grade C: AverageRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Per Share, Balance Sheet, MarketHide additional metrics
Per Share
EPS (TTM)$8.00
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$2.85
Cash & short-term investments per share (Finnhub)
Book Value / Share$51.77
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$573.00M
Total debt obligations (short + long term)
Cash & Equiv.$130.74M
Cash and short-term investments
Net Debt$442.26M
Total Debt minus Cash. Negative = Net Cash position
Total Equity$2.30B
Shareholders' equity (book value)
Asset / Liability1.75xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$9.58B
Current Market Capitalization
Beta0.57B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
Takeaway
Neutral
Takes ~0.8 years to repay net debt from free cash flow. · Current P/E of 27.6x sits at the 89th percentile of its historical range.
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Mar 2026 · Ratio snapshot Sep 23, 2026
Key Insights: FirstCash Holdings, Inc. Common Stock (FCFS)
Composite verdict for FirstCash Holdings, Inc. Common Stock: Neutral. FirstCash Holdings, Inc. Common Stock meets 7 of 9 Piotroski F-Score criteria, placing its fundamental strength in the top tier of US-listed stocks. Altman Z-Score of 3.00 sits comfortably in the safe zone (≥ 2.99), indicating low bankruptcy risk.
- Beneish M-Score of -2.93 suggests a low likelihood of earnings manipulation.
- Revenue has compounded at roughly 21% annually, with net income growing about 28% per year — a strong growth profile.
- Takes ~0.8 years to repay net debt from free cash flow.
See how FCFS ranks on the Capex Tracker — top 50 capital spenders compared.
No significant market moves for FCFS in the last 30 days.
See FCFS move history →Frequently Asked Questions about FCFS
Is FCFS stock a buy right now?
PreMarketPrice's quantitative model rates FirstCash Holdings, Inc. Common Stock's financial health at 73/100 — Neutral. This is a data-driven snapshot of fundamentals, not investment advice.
Is FCFS stock overvalued?
FirstCash Holdings, Inc. Common Stock trades at a trailing P/E of 27.6 and our valuation score rates it 52/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does FirstCash Holdings, Inc. Common Stock report earnings?
No confirmed earnings date is currently scheduled for FCFS. The Earnings section lists recent reports and updates as dates are announced.
What sector does FirstCash Holdings, Inc. Common Stock operate in?
FirstCash Holdings, Inc. Common Stock operates in the Consumer Cyclical sector, within the Retail-Miscellaneous Retail industry. The Related Stocks section lists sector peers for comparison.
What does FirstCash Holdings, Inc. Common Stock do?
FirstCash Holdings Inc is an operator of pawn stores in the U.
About FirstCash Holdings, Inc. Common Stock (FCFS) Stock
FirstCash Holdings, Inc. Common Stock (FCFS) is a US-listed stock operating in the Consumer Cyclical sector, specifically the Retail-Miscellaneous Retail industry. Real-time pricing data for FirstCash Holdings, Inc. Common Stock is available on this page with a market capitalization of $9.6 billion. The financial health score for FCFS is 73/100, which indicates good financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for FCFS stock.
FCFS Stock Analysis & Key Metrics
On PreMarketPrice, you can track FirstCash Holdings, Inc. Common Stock (FCFS) across multiple dimensions:
- Pre-market price & movement: Real-time FCFS stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for FCFS with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for FirstCash Holdings, Inc. Common Stock across multiple reporting periods.
- Financial health score: A composite score of 73/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for FCFS.
- Sector peers: Compare FCFS against 10 other consumer cyclical stocks on key financial metrics.
Is FCFS a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate FirstCash Holdings, Inc. Common Stock (FCFS) as an investment. The financial health score of 73/100 suggests good financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.FirstCash Holdings, Inc. Common Stock (FCFS) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.