Should You Buy Firstcash Holdings Inc (FCFS) Today? Analysis, Price Targets, and 2026 Outlook.
Conclusion
Buy
Latest Price
170.750
1 Day change
2.82%
52 Week Range
174.510
Analysis Updated At
2026/01/28
BUY for a beginner, long-term investor with $50k–$100k who wants to act now. FCFS is in a longer-term uptrend (bullish moving-average stack) and has strong latest-quarter growth plus supportive Wall Street upgrades. The stock just pulled back toward support (~165–163), which offers a reasonable immediate entry rather than waiting for a “perfect” price. Main offsetting risk in the current setup is elevated insider selling recently, but fundamentals and analyst tone remain favorable.
Technical Analysis
Price/Trend: FCFS closed at 164.5 (down from 168.36) and is trading below the pivot (169.445), leaning short-term bearish/weak while still holding a longer-term bullish structure.
Moving Averages: Bullish alignment (SMA_5 > SMA_20 > SMA_200) signals the primary trend remains up.
Momentum: MACD histogram is negative (-0.255) and negatively expanding, indicating downside momentum in the very near term. RSI(6) at ~40 is neutral-to-soft (not oversold), so it can still drift lower, but it’s already weakened meaningfully.
Key Levels:
- Support: S1 165.689 (near current), then S2 163.369 (next major line).
- Resistance: Pivot 169.445, then R1 173.201.
Interpretation: This looks like a dip within an uptrend. With an impatient long-term buyer, entering near the support band (165–163) is acceptable; a reclaim of ~169.5 would strengthen the near-term picture.
**Intellectia Proprietary Trading Signals**
- [AI Stock Picker](module://ai_stock_pick): no signal on given stock today.
- [SwingMax](module://swingmax): No signal on given stock recently.
Options Data
Bullish
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio
Sentiment from positioning: Open interest put/call ratio at 0.87 is slightly call-leaning (mildly bullish).
Activity: Today’s options volume is extremely low (3 calls, 0 puts), so the daily tape doesn’t add much conviction; it’s more “no strong crowd push” than a clear directional bet.
Volatility/Cost: 30D IV ~31.93 with IV percentile ~75 suggests options are relatively expensive vs the past year, typically reflecting elevated uncertainty/expected movement (not necessarily bearish, but it raises the “priced-in move” bar). Overall: mildly constructive positioning, but low real-time volume signal.
Technical Summary
Sell
0
Buy
13
Positive Catalysts
1) Strong fundamentals (latest reported quarter): 2025/Q3 revenue +10.02% YoY, net income +27.74% YoY, EPS +29.17% YoY, gross margin improved to 42.51% (+3.91% YoY) — clear acceleration in profitability.
2) Analyst commentary highlights: robust store acquisition/opening pipeline and reported Q3 beat; mention of ~$175M repurchase capacity (supports shareholder returns).
3) Next potential catalyst: earnings scheduled 2026-02-05 (pre-market) with EPS estimate shown as 2.48 — a clear upcoming event that can re-rate the stock if they execute again.
4) No negative news flow in the last week (no fresh headline overhang).
Neutral/Negative Catalysts
1) Insider activity: insiders are selling, and selling amount increased ~386.71% over the last month (a notable near-term confidence headwind).
2) Near-term technical momentum is weak: MACD negative and expanding; price under the pivot (~169.4) means the stock needs to rebuild upside momentum.
3) Event risk: the upcoming earnings date (2026-02-05) can create volatility in either direction.
4) Politicians/Congress: no recent congress trading data available in the last 90 days (no supportive “influential buyer” signal to lean on).
Financial Performance
Latest quarter: 2025/Q3.
- Revenue: $853.896M, +10.02% YoY (healthy top-line growth)
- Net Income: $82.807M, +27.74% YoY (profit growth outpacing revenue)
- EPS: $1.86, +29.17% YoY (strong per-share growth)
- Gross Margin: 42.51, +3.91% YoY (margin expansion)
Summary: Growth is improving in both earnings and margins, which is what long-term investors typically want to see—this supports buying the dip rather than avoiding it.
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
Recent trend: bullish upgrades/raises to price targets with reiterated Buy ratings.
- 2025-10-31 TD Cowen: PT raised to $188 (from $181), Buy; cited Q3 beat, raised guide, acquisition/opening pipeline, and $175M repurchase capacity.
- 2025-10-31 Canaccord: PT raised to $205 (from $200), Buy; cited record Q3 results with sales +12% and upside vs consensus.
Wall Street pros view (Pros): execution strength (record quarter), improving profitability, growth pipeline, and capital return via repurchase capacity.
Wall Street cons view (Cons): less explicit in the provided notes; the main practical counter-signal in your dataset is insider selling (not an analyst point, but a relevant “smart money” caution).
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 196.5 USD with a low forecast of 188 USD and a high forecast of 205 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 Analyst Rating
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 196.5 USD with a low forecast of 188 USD and a high forecast of 205 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.
2 Buy
2 Hold
0 Sell
Moderate Buy
Current: 166.070
Low
188
Averages
196.5
High
205
Current: 166.070
Low
188
Averages
196.5
High
205
TD Cowen
Buy
upgrade
$181 -> $188
AI Analysis
2025-10-31
Reason
TD Cowen
Price Target
$181 -> $188
AI Analysis
2025-10-31
upgrade
Buy
Reason
TD Cowen raised the firm's price target on FirstCash to $188 from $181 and keeps a Buy rating on the shares. The firm said they posted a Q3 beat and raised its guide for H&T and noted it has a robust store acquisition/opening pipeline as well as a $175 mil repurchase capacity.
Canaccord
Buy
maintain
$200 -> $205
2025-10-31
Reason
Canaccord
Price Target
$200 -> $205
2025-10-31
maintain
Buy
Reason
Canaccord raised the firm's price target on FirstCash to $205 from $200 and keeps a Buy rating on the shares. The firm said they reported record Q3 results, with sales +12%, about 9% above consensus. Retail merchandise and pawn loan fees came in roughly 3% and about 6% above the Street, respectively.
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