FirstCash Holdings, Inc (FCFS) AI Stock Analysis

Established in 1988 and headquartered in Fort Worth, Texas, FirstCash Holdings, Inc. operates retail pawn stores across the United States, Mexico, and parts of Latin America. The company provides loans secured by personal property such as jewelry, electronics, tools, appliances, sporting goods, and musical instruments. It also retails merchandise obtained through forfeitures and direct customer sales. In addition to pawn operations, FirstCash offers retail point-of-sale payment solutions focused on lease-to-own products and financing options across brick-and-mortar stores and e-commerce platforms.

Between FY2021 and FY2025, annual revenue climbed from $1.70B to $3.66B, generating a 5-year revenue CAGR of 17.5%. Operating margin expanded from 11.6% in FY2021 to 15.4% in FY2025, while annual net income increased from $124.9M to $330.4M, lifting diluted EPS from $3.92 to $8.76. In the trailing twelve months ended June 30, 2026, revenue stood at $4.12B with a net profit margin of 9.4% and an operating margin of 15.5%. For the latest quarter ended June 30, 2026, quarterly revenue increased 29.4% year-over-year, while quarterly earnings rose 58.2%.

As of June 30, 2026, FirstCash held $172.3M in cash and short-term investments alongside total debt of $2.70B, resulting in net debt of $2.53B. The current ratio was 4.89 and the debt-to-equity ratio stood at 1.16 against $2.32B in shareholders' equity. In FY2025, operating cash flow reached $585.9M and free cash flow was $531.0M. Capital expenditures totaled $54.9M, while capital return included $115.8M in share buybacks and $70.9M in dividends paid, contributing to an 8.7% reduction in share count over 5 years.

FCFS trades at a trailing P/E of 24.5x and a forward P/E of 17.2x, compared to medians of 12.1x and 10.8x for its US-listed Financial Services peers. Its EV/EBITDA multiple stands at 11.0x, slightly below the peer median of 11.7x, while its price-to-sales ratio of 2.3x sits below the peer median of 3.2x. Over the past 12 months, the stock gained 37.0%, outperforming the S&P 500 (SPY) return of 16.8%. Over a 5-year period, FCFS returned 165.1% compared to 83.0% for the S&P 500.

FirstCash pays a quarterly dividend totaling $1.68 annually, representing a dividend yield of 0.78% and a payout ratio of 16.7%. The company has paid dividends for 11 consecutive years, delivering a 5-year annualized dividend growth rate of 8.2%. Its last ex-dividend date was August 14, 2026.

Wall Street sentiment is unanimous, with 4 Strong Buy ratings and no Buy, Hold, or Sell ratings. The mean price target of $253.00 implies upside of 17.5% above the October 16, 2026 close of $215.26. Analysts project FY2026 revenue of $4.38B and EPS of $11.20, followed by FY2027 revenue of $4.73B and EPS of $12.95. FirstCash beat earnings estimates in all of the last 4 quarters, with the next release set for October 22, 2026.

This page is an AI-written research summary of FirstCash Holdings, Inc (FCFS). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: FCFS income statement, FCFS balance sheet, FCFS key metrics, FCFS analyst forecast, FCFS chart. See the FCFS stock overview for the latest quote and news.