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FirstCash Holdings, Inc
FCFS
NASDAQ·Financial Services·Financial - Credit Services·Mkt cap $9.6B
$221.97
▲ +1.63%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$119.21 - $235.97
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 59.7% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Largest pawn store network in North America with 3,800+ locations providing scale and brand recognition
- Secured lending model with tangible collateral reduces credit risk and defaults compared to unsecured lenders
- Diversified revenue streams from lending fees, retail margins, and commodity trading create multiple profit centers
- Strong presence in Mexico and Latin America with 1,744 stores provides geographic diversification and growth optionality
- Capital-efficient business model with minimal technology investment requirements and high cash flow generation
Bear Case
2 risks
- Low volatility (beta 0.5).
- Significant premium - growth priced in
Growth
Stable outlook
International expansion in Mexico and Latin America where pawn penetration remains underdeveloped
Value
Significant premium - growth priced in
Momentum
Strong
+9.4% over 3m
Quality
Strong
Excellent business quality
Dividend
Modest
0.77% yield
Smart-money signal
Who's buying FCFS right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Jul 23, 2026
APR 23, 2026
Reported EPS of $2.69 vs $2.33 consensus (+15.4% surprise). Revenue of $1.1B vs $1.0B expected (+4.8%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+15.4%
Next: Jul 23, 2026
Revenue trend · last 8Q
—
—
+4%
-0%
-0%
+12%
+24%
+26%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$805.8M
$809.9M
$856.6M
$836.4M
$830.6M
$935.6M
$1.1B
$1.1B
Margins · last 8Q
Gross
48.6%
Operating
16.7%
Profit
10.2%
Wall Street consensus
2 analysts · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
$252.00
▲ +13.5% vs $221.97
Latest: Canaccord · $252.00 · Apr 24, 2026
1 analyst covering