FCFS

Firstcash Holdings Inc

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Advanced Chart

147.270

-0.5(-0.338%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

148.745

Open

148.670

VWAP

147.49

Vol

354.45K

Mkt Cap

6.53B

Low

146.900

Amount

52.28M

EV/EBITDA(TTM)

25.45

Total Shares

45.47M

8.12B

EV/OCF(TTM)

14.63

P/S(TTM)

2.13

FirstCash Holdings, Inc. is an international operator of pawn stores focused on serving cash and credit-constrained consumers. The Company is also a provider of technology-driven, retail point-of-sale (POS) payment solutions. Its retail POS payment solutions business line consists solely of the operations of AFF, which focuses on LTO products and facilitating other retail financing payment options. Its U.S. pawn segment consists of pawn operations in the U.S. while the Latin America pawn segment consists of pawn operations in Mexico, Guatemala, El Salvador and Colombia. Its retail POS payment solutions segment consists of the operations of AFF in the U.S. and Puerto Rico. It operates more than 3,300 pawn stores in the U.S., Latin America and the United Kingdom. Most of the stores buy and sell a variety of jewelry, electronics, tools, appliances, sporting goods, musical instruments and other merchandise, and all make small non-recourse pawn loans secured by pledged personal property.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q1

FY2025Q4

FY2025Q3

891.67M

+6.6%

2.405

+16.18%

939.96M

+6.35%

2.333

+10.06%

845.28M

+0.95%

1.897

+13.57%

Estimates Revision

The market is revising Upward the revenue expectations for FirstCash Holdings, Inc. (FCFS) for FY2025, with the revenue forecasts being adjusted by 0.05% over the past three months. During the same period, the stock price has changed by 14.98%.

Revenue Estimates for FY2025

Revise Upward

+0.05%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+1.16%

In Past 3 Month

Stock Price

Go Up

+14.98%

In Past 3 Month

5 Analyst Rating

8.13% Upside

Wall Street analysts forecast FCFS stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FCFS is 159.25 USD with a low forecast of 145.00 USD and a high forecast of 172.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

4 Buy

1 Hold

0 Sell

Strong Buy

8.13% Upside

Current: 147.270

Low

145.00

Averages

159.25

High

172.00

8.13% Upside

Current: 147.270

Low

145.00

Averages

159.25

High

172.00

TD Cowen

Buy

maintain

$159 -> $172

2025-08-18

Reason

TD Cowen

Price Target

$159 -> $172

2025-08-18

maintain

Buy

Reason

TD Cowen raised the firm's price target on FirstCash to $172 from $159 and keeps a Buy rating on the shares. The firm updateed its EPS estimates following the company's completion of the H&T acquisition, as they now account for H&T earnings contribution in the model.

Texas Capital

NULL -> Buy

initiated

$160

2025-08-05

Reason

Texas Capital

Price Target

$160

2025-08-05

initiated

NULL -> Buy

Reason

Texas Capital initiated coverage of FirstCash with a Buy rating and $160 price target.

Texas Capital

NULL

Buy

initiated

$160

2025-08-05

Reason

Texas Capital

Price Target

$160

2025-08-05

initiated

NULL

Buy

Reason

Texas Capital initiated coverage of FirstCash with a Buy rating and $160 price target. FirstCash is the largest operator of pawn stores in the U.S. and Latin America, the analyst tells investors in a research note. The firm views the company's core business as "resilient" and essential and believes current valuation levels offer an attractive entry point for medium- and long-term investors. Texas Capital believes FirstCash is positioned for growth in the stressed consumer environment.

Stephens & Co.

Kyle Joseph

Buy

Reiterates

$137

2025-02-19

Reason

Stephens & Co.

Kyle Joseph

Price Target

$137

2025-02-19

Reiterates

Buy

Reason

Stephens & Co.

Kyle Joseph

Buy

Initiates

$137

2024-11-13

Reason

Stephens & Co.

Kyle Joseph

Price Target

$137

2024-11-13

Initiates

Buy

Reason

Stephens initiated coverage of FirstCash with an Overweight rating and $137 price target. The firm initiated coverage on 13 alternative consumer finance names, saying COVID-19 and the corresponding $6 trillion of stimulus impacted nonprime finance companies across the board, in some positive and some negative lights. Some industries like auto and lenders with longer duration portfolios are still feeling some lingering impacts, including affordability and underperforming back-books, respectively, the analyst tells investors in a research note. Stephens believes affordability issues are weighing on sales and more than offsetting consumer's increased need for financing and some tighter credit broadly. It sees challenging conditions persisting, but "solid companies emerging on the other side in a less competitive world."

TD Cowen

Moshe Orenbuch

Strong Buy

Maintains

$134 → $130

2024-10-28

Reason

TD Cowen

Moshe Orenbuch

Price Target

$134 → $130

2024-10-28

Maintains

Strong Buy

Reason

TD Cowen lowered the firm's price target on FirstCash to $130 from $134 and keeps a Buy rating on the shares. The firm said they reported 3Q EPS mostly in line with its estimates.

See All Ratings

Valuation Metrics

The current forward P/E ratio for Firstcash Holdings Inc (FCFS.O) is 16.47, compared to its 5-year average forward P/E of 16.75. For a more detailed relative valuation and DCF analysis to assess Firstcash Holdings Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Fair

5Y Average PE

16.75

Current PE

16.47

Overvalued PE

19.55

Undervalued PE

13.95

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

Fair

5Y Average EV/EBITDA

12.02

Current EV/EBITDA

11.81

Overvalued EV/EBITDA

13.84

Undervalued EV/EBITDA

10.19

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Overvalued

5Y Average PS

1.47

Current PS

1.83

Overvalued PS

1.68

Undervalued PS

1.25

Financials

Annual

Quarterly

FY2025Q2

YoY :

-2.54%

754.55M

Total Revenue

FY2025Q2

YoY :

-12.90%

32.32M

Operating Profit

FY2025Q2

YoY :

+21.87%

59.81M

Net Income after Tax

FY2025Q2

YoY :

+24.07%

1.34

EPS - Diluted

FY2025Q2

YoY :

+3.07%

82.66M

Free Cash Flow

FY2025Q2

YoY :

+2.21%

41.20

Gross Profit Margin - %

FY2025Q2

YoY :

+31.74%

13.20

FCF Margin - %

FY2025Q2

YoY :

+25.08%

7.93

Net Margin - %

FY2025Q2

YoY :

+11.01%

9.98

ROIC

Trading Trends

Insider

Insiders areSelling! The selling amount has increased 2775.36% over the last month.

Sold

0-3

Months

14.7M

USD

3-6

Months

510.6K

USD

6-9

Months

34.7M

USD

0-12

Months

861.9K

USD

Bought

0-3

0.0

USD

Months

3-6

0.0

USD

Months

6-9

0.0

USD

Months

0-12

0.0

USD

Months

Hedge Fund

Hedge Funds are Neutral. There are no significant trading trends over the last quarter.

Sold

0-3

Months

0.0

Volume

3-6

Months

8.5K

Volume

6-9

Months

18.6K

Volume

0-12

Months

0.0

Volume

Bought

0-3

0.0

Volume

Months

3-6

39.1K

Volume

Months

6-9

563.3K

Volume

Months

0-12

0.0

Volume

Months

Congress Trading

Congress are Neutral. There are no significant trading trends over the last month.

Sold

0-3

Months

0.0

USD

3-6

Months

0.0

USD

6-9

Months

0.0

USD

0-12

Months

0.0

USD

Bought

0-3

0.0

USD

Months

3-6

0.0

USD

Months

6-9

0.0

USD

Months

0-12

32.5K

USD

Months

Insider

Insiders areSelling! The selling amount has increased 2775.36% over the last month.

Sold

0-3

Months

14.7M

USD

3-6

Months

510.6K

USD

6-9

Months

34.7M

USD

0-12

Months

861.9K

USD

Bought

0-3

0.0

USD

Months

3-6

0.0

USD

Months

6-9

0.0

USD

Months

0-12

0.0

USD

Months

FCFS News & Events

Events Timeline

2025-08-14 (ET)

2025-08-14

08:42:36

FirstCash completes acquisition of H&T Group

2025-07-24 (ET)

2025-07-24

06:12:21

FirstCash says 2025 outlook "highly positive"

2025-07-24

06:10:50

FirstCash reports Q2 EPS $1.34, consensus $1.67

News

3.0

08-21NASDAQ.COM

SCHK's Core Assets May Indicate 11% Growth Opportunity

8.5

08-14Newsfilter

FirstCash Completes Acquisition of H&T Group; Combination Establishes FirstCash as U.K.'s Leading Pawnbroker; Now Operates over 3,300 Retail Pawn Locations in the U.S., Latin America and the U.K.

8.0

08-13NASDAQ.COM

Ex-Dividend Reminder: International Bancshares, Oppenheimer Holdings and FirstCash Holdings