FirstCash (FCFS) Stock Insights

FCFS price $190.02 +4.67 +2.52%

Ticker
FCFS
Price
$190.02
Change
+4.67 +2.52%
Market cap ?
$8.24B
P/E ?
20.28
Forward P/E ?
17.30
Dividend yield ?
0.90%
Beta ?
0.55
Sector
Financial Services
Industry
Financial - Credit Services
Stocklytics score
66
Value
63
Quality
58
Growth
76

Stocklytics score rationale: value 63, quality 58, growth 76.

Financials

2016201720182019202020212022202320242025
1088377000177982200017808580001864439000163128400016989650002728942000315179600033885140003661043000

FirstCash Holdings, Inc., along with its affiliates, oversees a widespread network of retail pawn shops throughout the United States, Mexico, and other parts of Latin America. These establishments provide monetary loans against a diverse range of personal collateral, including jewelry, electronic devices, tools, home appliances, sporting goods, and musical instruments. They also sell merchandise obtained either from…

Fair value

FCFS fair value $297.75. Price $190.02. Price is 36% below fair value.

Below fair value, and cheaper than usual. A larger discount than on 69% of days in the past 5 years.

Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.

Calculated with a 10-year free-cash-flow discount. Starting free cash flow 472.00M. Growth 19.16%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 8.70% (beta 0.8). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 43.37M. Net debt 2.69B. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the median P/E of the company's industry. That median uses listed stocks worth at least $10 billion with a positive P/E of 100 or below, and the industry needs at least eight of them. Otherwise the sector median is used when that group also has at least eight, then the market median of those large companies. The multiple used is the lower of that median and 1.25 times the stock's own 10-year median P/E, then kept between 8 and 30. If the stock has no 10-year median, the peer median is kept between 8 and 30. Fair value is the average of the cash-flow value and the earnings value when both exist. Card and credit companies use the earnings value only, because changes in customer receivables distort free cash flow. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.

Compare FCFS

Earnings

DateEPS actualEPS estimateRevenueRevenue estimate
2027-02-04—3.12—1.13B
2026-10-222.682.631.10B1.07B
2026-07-232.502.391.07B1.03B
2026-04-232.692.331.05B1.00B
2026-02-052.642.541.06B1.02B
2025-10-302.261.94935.58M861.05M
2025-07-241.791.66830.62M820.42M
2025-04-242.071.74836.42M835.67M
2025-01-302.122.02883.81M899.77M
2024-10-241.671.62837.32M843.94M
2024-07-251.371.32831.01M824.87M
2024-04-251.551.52836.37M846.07M
2024-02-012.041.91852.13M853.35M
2023-10-261.561.38786.30M769.76M
2023-07-271.221.08750.62M731.90M
2023-04-271.251.22762.74M725.91M
2023-02-021.651.52749.34M725.91M
2022-10-271.301.12672.14M443.87M
2022-07-281.080.93647.62M431.53M
2022-04-281.181.10659.84M427.10M
2022-02-081.521.14501.77M442.65M
2021-10-200.840.81399.67M413.80M
2021-07-210.710.61389.58M413.80M
2021-04-210.850.72407.94M334.28M
2021-01-280.840.81392.16M377.63M
2020-10-210.590.50359.89M323.29M
2020-07-220.620.58412.75M386.12M
2020-04-220.960.89466.49M432.48M
2020-01-291.261.24498.36M490.45M
2019-10-230.840.84452.46M452.46M
2019-07-240.820.82446.01M446.01M
2019-04-240.970.90467.60M433.86M
2019-01-311.121.11481.21M476.91M
2018-10-250.810.80429.88M424.59M
2018-07-260.700.65419.97M390.00M
2018-04-260.900.75449.80M374.83M
2018-02-010.940.84480.20M429.11M
2017-10-260.610.60435.41M428.26M
2017-07-270.520.47416.63M368.53M
2017-04-270.680.61447.58M401.52M

Dividends

Yield 0.88%. Payout ratio 13.61%. Frequency Quarterly.

Safety score 91/100 · Safe. Payout ratio is 14% of earnings. Dividends use less than 40% of free cash flow. Dividends were paid in 11 separate years. Yield is 0.9%, which is modest.

Ex-dateDividendRecordPaymentFrequency
2026-11-13$0.462026-11-132026-11-24Quarterly
2026-08-14$0.422026-08-142026-08-28Quarterly
2026-05-15$0.422026-05-152026-05-29Quarterly
2026-02-18$0.422026-02-182026-02-27Quarterly
2025-11-14$0.422025-11-142025-11-26Quarterly
2025-08-15$0.422025-08-152025-08-29Quarterly
2025-05-15$0.382025-05-152025-05-30Quarterly
2025-02-14$0.382025-02-142025-02-28Quarterly
2024-11-15$0.382024-11-152024-11-27Quarterly
2024-08-15$0.382024-08-152024-08-30Quarterly
2024-05-14$0.352024-05-152024-05-31Quarterly
2024-02-13$0.352024-02-142024-02-28Quarterly
2023-11-14$0.352023-11-152023-11-30Quarterly
2023-08-14$0.352023-08-152023-08-31Quarterly
2023-05-12$0.332023-05-152023-05-31Quarterly
2023-02-13$0.332023-02-142023-02-28Quarterly
2022-11-14$0.332022-11-152022-11-30Quarterly
2022-08-11$0.332022-08-122022-08-26Quarterly
2022-05-13$0.302022-05-162022-05-31Quarterly
2022-02-17$0.302022-02-212022-02-28Quarterly
2021-11-12$0.302021-11-152021-11-30Quarterly
2021-08-12$0.302021-08-132021-08-27Quarterly
2021-05-13$0.302021-05-142021-05-28Quarterly
2021-02-11$0.272021-02-122021-02-26Quarterly
2020-11-12$0.272020-11-132020-11-27Quarterly
2020-08-13$0.272020-08-142020-08-28Quarterly
2020-05-14$0.272020-05-152020-05-29Quarterly
2020-02-13$0.272020-02-142020-02-28Quarterly
2019-11-14$0.272019-11-152019-11-29Quarterly
2019-08-14$0.252019-08-152019-08-30Quarterly
2019-05-14$0.252019-05-152019-05-31Quarterly
2019-02-13$0.252019-02-142019-02-28Quarterly
2018-11-14$0.252018-11-152018-11-30Quarterly
2018-08-14$0.222018-08-152018-08-31Quarterly
2018-05-14$0.222018-05-152018-05-31Quarterly
2018-02-13$0.222018-02-142018-02-28Quarterly
2017-11-10$0.202017-11-132017-11-30Quarterly
2017-08-11$0.192017-08-152017-08-31Quarterly
2017-05-11$0.192017-05-152017-05-31Quarterly
2017-02-10$0.192017-02-142017-02-28Quarterly
2016-11-09$0.192016-11-142016-11-28Quarterly
2016-08-08$0.122016-08-102016-08-24Quarterly
2016-05-27$0.122016-06-012016-06-15Quarterly
2016-02-26$0.122016-03-012016-03-15Quarterly

Insider trades

DateInsiderActionSharesPriceValue
2026-09-03GRAVES JAMES HSell3.75K$221.20829.50K
2026-09-03GRAVES JAMES HSell750——
2026-08-18Hambleton Howard FSell2.00K$212.98425.96K
2026-08-17Stuart Thomas BrentSell5.35K$214.631.15M
2026-08-17ORR R DOUGLASSell1.00K$215.98215.98K
2026-08-17ORR R DOUGLASSell1.00K$216.04216.04K
2026-08-17ORR R DOUGLASSell1.00K$215.97215.97K
2026-06-05Ramos RaulSell6.83K$225.231.54M
2026-05-28Ramos RaulSell3.17K$231.13731.53K
2026-05-19Hambleton Howard FSell3.00K$226.41679.23K
2026-05-18Stuart Thomas BrentSell10.00K$228.492.28M
2026-05-18ORR R DOUGLASSell1.00K$227.32227.32K
2026-05-18ORR R DOUGLASSell1.00K$227.31227.31K
2026-05-18ORR R DOUGLASSell1.00K$227.28227.28K
2026-05-01Garrett Paula KSell1.50K$217.40326.10K
2026-04-15ORR R DOUGLASSell12.50K——
2026-02-18Hambleton Howard FSell4.00K$185.12740.48K
2026-02-17ORR R DOUGLASSell1.00K$182.98182.98K
2026-02-17ORR R DOUGLASSell1.00K$182.98182.98K
2026-02-17ORR R DOUGLASSell1.00K$182.99182.99K
2026-02-17Stuart Thomas BrentSell10.00K$182.531.83M
2026-02-06Hostetler Brian DOther0——
2026-02-06Hostetler Brian DOther0——
2026-02-05ORR R DOUGLASSell4.00K$175.37701.48K
2026-02-05ORR R DOUGLASSell1.50K$174.96262.44K
2026-02-05ORR R DOUGLASSell2.00K$175.01350.02K
2026-02-05Hambleton Howard FSell2.00K$177.65355.30K
2026-01-28Hambleton Howard FBuy16.03K——
2026-01-28Hambleton Howard FSell6.31K——
2026-01-28Hambleton Howard FBuy5.10K——
2026-01-28Ramos RaulBuy2.00K——
2026-01-28WESSEL RICK LBuy91.62K——
2026-01-28WESSEL RICK LSell36.05K——
2026-01-28WESSEL RICK LBuy30.95K——
2026-01-28ORR R DOUGLASBuy29.97K——
2026-01-28ORR R DOUGLASSell11.79K——
2026-01-28ORR R DOUGLASBuy9.54K——
2026-01-28Stuart Thomas BrentBuy33.60K——
2026-01-28Stuart Thomas BrentSell13.22K——
2026-01-28Stuart Thomas BrentBuy12.74K——
2026-01-28FAULKNER MIKEL DBuy833——
2026-01-28Garrett Paula KBuy833——
2026-01-28Owen Randel GBuy833——
2026-01-28BERCE DANIEL EBuy833——
2026-01-28Davis MartheaBuy833——
2026-01-28GRAVES JAMES HBuy833——
2025-12-31WESSEL RICK LSell21.00K——
2025-12-29ORR R DOUGLASSell1.50K——
2025-12-15Hambleton Howard FSell4.00K$163.74654.96K
2025-11-20Owen Randel GSell1.50K$152.20228.30K
2025-11-19WESSEL RICK LSell20.00K$156.393.13M
2025-11-17ORR R DOUGLASSell3.00K$158.17474.51K
2025-11-17ORR R DOUGLASSell1.00K$158.35158.35K
2025-11-17ORR R DOUGLASSell1.50K$158.52237.78K
2025-11-17Stuart Thomas BrentSell10.00K$159.971.60M
2025-11-03Hambleton Howard FSell1.90K——
2025-10-15ORR R DOUGLASSell4.00K$159.64638.56K
2025-10-15ORR R DOUGLASSell852$159.00135.47K
2025-10-15ORR R DOUGLASSell2.00K$160.02320.04K
2025-10-14ORR R DOUGLASSell648$159.00103.03K
2025-09-02ORR R DOUGLASSell3.00K$148.41445.23K
2025-09-02ORR R DOUGLASSell1.00K$146.40146.40K
2025-09-02ORR R DOUGLASSell1.50K$146.40219.60K
2025-08-21WESSEL RICK LSell30.98K$139.334.32M
2025-08-21WESSEL RICK LSell15.00K——
2025-08-20WESSEL RICK LSell69.02K$138.499.56M
2025-08-04GRAVES JAMES HSell6.00K$134.56807.36K
2025-08-04GRAVES JAMES HSell1.00K——
2025-06-10Hambleton Howard FSell3.90K$130.93510.63K
2025-02-11Rippel Douglas RichardSell300.00K$113.4334.03M
2025-02-05ORR R DOUGLASSell2.00K$113.35226.70K
2025-02-05ORR R DOUGLASSell2.00K$113.35226.70K
2025-02-05ORR R DOUGLASSell2.00K$113.36226.72K
2025-01-29ORR R DOUGLASBuy25.83K——
2025-01-29ORR R DOUGLASSell10.16K——
2025-01-29ORR R DOUGLASBuy13.16K——
2025-01-29Stuart Thomas BrentBuy25.83K——
2025-01-29Stuart Thomas BrentSell10.16K——
2025-01-29Stuart Thomas BrentBuy16.10K——
2025-01-29BERCE DANIEL EBuy1.26K——
2025-01-29GRAVES JAMES HBuy1.26K——
2025-01-29Davis MartheaBuy1.26K——
2025-01-29WESSEL RICK LBuy74.45K——
2025-01-29WESSEL RICK LSell29.30K——
2025-01-29WESSEL RICK LBuy42.08K——
2025-01-29Hambleton Howard FBuy5.70K——
2025-01-29Hambleton Howard FSell1.95K——
2025-01-29Hambleton Howard FBuy7.04K——
2025-01-29FAULKNER MIKEL DBuy1.26K——
2025-01-29Garrett Paula KBuy1.26K——
2025-01-29Owen Randel GBuy1.26K——
2025-01-29Ramos RaulBuy2.00K——
2024-12-26WESSEL RICK LSell12.50K——
2024-12-26WESSEL RICK LSell24.10K——
2024-12-13ORR R DOUGLASSell5.09K——
2024-11-06Owen Randel GSell2.00K$113.92227.84K
2024-11-05ORR R DOUGLASSell2.00K$105.68211.36K
2024-11-05ORR R DOUGLASSell2.00K$105.68211.36K
2024-11-05ORR R DOUGLASSell2.00K$105.68211.36K
2024-09-09Rippel Douglas RichardSell3.37K$119.94404.68K

Institutional holders

Latest filed quarter: Q2 2026.

Institutions holding: 517, holders +39 vs prior quarter. Ownership 97.45%.

HolderSharesChangeChange %Value
BLACKROCK, INC.5.03M291.24K+6.14%1.09B
FMR LLC3.05M-650.86K-17.60%659.23M
EARNEST PARTNERS LLC2.11M-55.53K-2.57%455.66M
VANGUARD PORTFOLIO MANAGEMENT LLC2.03M42.31K+2.13%438.24M
VANGUARD CAPITAL MANAGEMENT LLC1.70M7.86K+0.47%367.27M
STATE STREET CORP1.51M83.12K+5.84%326.10M
PRICE T ROWE ASSOCIATES INC /MD/1.45M44.20K+3.15%313.28M
GEODE CAPITAL MANAGEMENT, LLC1.24M89.17K+7.74%268.61M
HOOD RIVER CAPITAL MANAGEMENT LLC1.22M88.00K+7.76%264.32M
BANK OF AMERICA CORP /DE/1.15M35.38K+3.18%248.06M
DIMENSIONAL FUND ADVISORS LP952.06K-38.14K-3.85%205.94M
SEI INVESTMENTS CO830.07K36.06K+4.54%179.56M
ALLIANCEBERNSTEIN L.P.876.21K-62.05K-6.61%164.73M
STEPHENS INVESTMENT MANAGEMENT GROUP LLC745.63K-86.60K-10.41%161.30M
BESSEMER GROUP INC737.23K454.28K+160.55%159.48M
CAPITAL RESEARCH GLOBAL INVESTORS731.72K172.26K+30.79%158.29M
WESTFIELD CAPITAL MANAGEMENT CO LP693.09K261.09K+60.44%149.93M
NORTHERN TRUST CORP542.44K25.02K+4.84%117.34M
JPMORGAN CHASE & CO542.50K27.03K+5.24%117.16M
GOLDMAN SACHS GROUP INC506.31K210.05K+70.90%109.53M
FULLER & THALER ASSET MANAGEMENT, INC.502.55K5.54K+1.11%108.71M
VICTORY CAPITAL MANAGEMENT INC459.69K-69.99K-13.21%99.44M
INVESCO LTD.456.00K88.06K+23.94%98.64M
MORGAN STANLEY445.36K73.75K+19.85%96.34M
SIXTH STREET PARTNERS MANAGEMENT COMPANY, L.P.443.16K443.16KNew95.86M

Insights

Revenue by product
PeriodValue
FY2021Pawn Segment: 1074887000.0, Retail POS Payment Solutions: 67220000.0
FY2022Pawn Segment: 1254968000.0, Retail POS Payment Solutions: 803443000.0
FY2023Retail POS Payment Solutions: 986500000.0, US Pawn Segment: 1368523000.0
FY2024Retail POS Payment Solutions: 1012132000.0, US Pawn Segment: 1568556000.0
FY2025Retail POS Payment Solutions: 870217000.0, US Pawn Segment: 1753382000.0
Revenue by region
PeriodValue
FY2012Latin America: 321749000.0, UNITED STATES: 274197000.0
FY2013Latin America: 362986000.0, UNITED STATES: 297862000.0
FY2014Latin America: 388277000.0, UNITED STATES: 324600000.0
FY2015Latin America: 367754000.0, UNITED STATES: 336848000.0
FY2016Latin America: 397549000.0, Other Latin America: 19317000.0, UNITED STATES: 671511000.0
FY2017Latin America: 464161000.0, Other Latin America: 23169000.0, UNITED STATES: 1292492000.0
FY2018Latin America: 531744000.0, Other Latin America: 24979000.0, UNITED STATES: 1224135000.0
FY2019Latin America: 641505000.0, Other Latin America: 29421000.0, UNITED STATES: 1193513000.0
FY2020Latin America: 530462000.0, Other Latin America: 22683000.0, UNITED STATES: 1078139000.0
FY2021MEXICO: 562493000.0, Other Latin America: 29841000.0, UNITED STATES: 1106631000.0
FY2022MEXICO: 639199000.0, Other Latin America: 36267000.0, UNITED STATES: 2053476000.0
FY2023MEXICO: 762563000.0, Other Latin America: 40740000.0, UNITED STATES: 2348493000.0
FY2024MEXICO: 764431000.0, Other Latin America: 47457000.0, UNITED STATES: 2576626000.0
FY2025Latin America: 836238000.0, Other Latin America: 53286000.0, UNITED STATES: 2620855000.0

Insights · Dividends · Forecast · Financials · Learn

Stocklytics home · Screener

FirstCash (FCFS) Stock Insights

FCFS$190.02+4.67 +2.52%

$8.24B

Market Cap

20.28

P/E

17.30

Forward P/E

66

Score

Price History