Stock Analysis
FirstCash Holdings, Inc. Common StockFCFS
P/E 24.05×· 5Y range 15.62–33.12×· 78th percentile of history
Sector: Consumer Cyclical · Industry: Retail-Miscellaneous Retail
AnalystsStrong Buy11 analystsP/E 24.1× sits at the 78th percentile of its 5.062286105407256-year history.
Cash covers 22% of debt · FY 2025.
PMP Verdict
High quality, but expensive
Strengths
- Growth100
- Quality97
Risks
- Valuation57
Excellent business. Weak entry price.
Bull Case
- ✓Piotroski F-Score 7/9 — high earnings quality
- ✓Altman Z 3.6 — safe-zone balance sheet
- ✓ROE 17.0% — efficient capital deployment
- ✓Revenue CAGR 21.2% — durable top-line growth
What's happening with FCFS
Profile
Strong growth, earnings quality and financial health.
How is each axis scored?
- Valuation57/100 · Moderate
- P/E vs own history (78th pct)5/25
- FCF yield (6.6%)20/25
- P/S (2.3x)20/25
- EV/EBIT (16.4x)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 (35.9%)25/25
- Profitability65/100 · Moderate
- ROIC (17.4%)20/25
- ROE (17.0%)20/25
- Net margin (9.4%)13/25
- Operating margin (14.5%)12/25
- Financial Health80/100 · Strong
- Altman Z (3.64)25/25
- Current ratio (4.55)25/25
- Interest coverage (2.9x)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 (159%)25/25
- Margin stability (σ 2.2%)25/25
- Moat69/100 · Moderate
- ROIC >12% years (3/10 yrs)6/25
- Median gross margin (53.7%)20/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 5.5%)18/25
Risk Flags
- ⚠Interest coverage 2.9× — thin debt cushion
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 ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
57CP/E (TTM)24.1xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 15.6x–33.1x · 78th pct
P/FCF17.7xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield6.6%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 3.8%–10.6% · 26th pct
P/S (TTM)2.27xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.4x–2.7x · 88th pct
EV/EBIT16.4xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 12.8x–25.7x · 35th pct
EV/Sales2.8xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E17.7xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio4.10xC
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 Yield0.79%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio19.1%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
65BROIC17.4%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE17.0%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 Margin9.4%C
Grade C: AverageNet Income / Revenue
Operating Margin14.5%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin50.5%A
Grade A: PremiumGross Profit / Revenue
FCF Margin15.0%C
Grade C: AverageFCF / Revenue
True FCF Margin14.5%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
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 Growth35.9%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)+6.1%C
Grade C: DilutiveShare count change over 5Y
SBC / Net Income5.7%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.5%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
80AAltman Z-Score3.64A
Grade A: SafeBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio4.55xA
Grade A: HighCurrent Assets/Liabilities
Quick Ratio3.40xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage2.9xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment0.7yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT0.7xA
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 / Debt0.22xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
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 Conversion159.2%A
Grade A: StrongFCF / Net Income
Margin Stability2.2%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue1.3%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.77xC
Grade C: AverageRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
GRAVES JAMES H Filed | GRAVES JAMES H | Gift | -750 | |
GRAVES JAMES H Filed | GRAVES JAMES H | SellOpen market sale | -3750 | |
Hambleton Howard F Filed | Hambleton Howard F | SellOpen market sale | -2000 | |
Stuart Thomas Brent Filed | Stuart Thomas Brent | SellOpen market sale | -5348 | |
ORR R DOUGLAS Filed | ORR R DOUGLAS | SellOpen market sale | -1000 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
ORR R DOUGLAS Filed | ORR R DOUGLAS | SellOpen market sale | -1000 | |
ORR R DOUGLAS Filed | ORR R DOUGLAS | SellOpen market sale | -1000 | |
Ramos Raul Filed | Ramos Raul | SellOpen market sale | -6835 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
69BROIC >12% Years3/10 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)53.7%A
Grade A: DurableMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor5.5%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$8.95
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$3.96
Cash & short-term investments per share (Finnhub)
Book Value / Share$53.40
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$559.00M
Total debt obligations (short + long term)
Cash & Equiv.$125.20M
Cash and short-term investments
Net Debt$433.80M
Total Debt minus Cash. Negative = Net Cash position
Total Equity$2.28B
Shareholders' equity (book value)
Asset / Liability1.75xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$9.34B
Current Market Capitalization
Beta0.53B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
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 Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: FirstCash Holdings, Inc. Common Stock (FCFS)
FCFS is down 0.67% at the last close. 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 3.64 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 ~0.7 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
What is the current FirstCash Holdings, Inc. Common Stock (FCFS) stock price?
FCFS is trading at $215.26 at the last market close, down 0.67% on the session. PreMarketPrice tracks FCFS pre-market, intraday and after-hours prices.
Is FCFS stock a buy right now?
PreMarketPrice's quantitative model rates FirstCash Holdings, Inc. Common Stock's financial health at 80/100. 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 24.1 and our valuation score rates it 57/100 (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. As of the latest update, FirstCash Holdings, Inc. Common Stock is trading at $215.26, down 0.67% on the day with a market capitalization of $9.3 billion. The financial health score for FCFS is 80/100, which indicates excellent 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 80/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for FCFS.
- Sector peers: Compare FCFS against 4 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 80/100 suggests excellent 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.