Firstcash Holdings Inc

Firstcash Holdings Inc (FCFS) Stock Analysis

$218.830

+2.670 (+1.22%)At close

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High
219.640
Open
217.550
VWAP
218.26
Volume
295.79K
Mkt Cap
4.81B
Low
216.300
Amount
64.56M
EV/EBITDA, TTM
10.22

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 customer payment solutions at the point-of-sale (POS) for retailers of consumer goods and services, which it conducts solely through its subsidiary, American First Finance (AFF). The Company's customer payment solutions business line focuses on lease-to-own (LTO) products and facilitating other retail financing payment options across a large network of traditional and e-commerce merchant partners in the United States. The Company operates through four segments: U.S. pawn, Latin America pawn, U.K. pawn, and Retail POS payment solutions. The Company operates over 3,300 pawn stores with locations in the United States, Latin America and the United Kingdom. The stores buy and sell a wide variety of jewelry, electronics, tools, appliances, sporting goods, musical instruments and other merchandise.

AI analysis of Firstcash Holdings Inc (FCFS)

Buy

FirstCash Holdings is a good buy right now due to its strong fundamentals and positive analyst outlook. The current price is $213.70, and the forward P/E ratio is 17.15, indicating potential for growth. Additionally, the company has shown impressive revenue growth of 21.6% annually over the past five years, which supports its market position. However, investors should be cautious of regulatory risks that could impact profit margins, particularly with potential changes in consumer lending laws.

Analyst Ratings (6)

-10.20% Downside
Buy
4 Buy
2 Hold
0 Sell
Current: 218.83
Low
188.00
Average
196.50
High
205.00

TD Cowen

2026-10-06

Price Target

$242

Buy

Loop Capital

2026-08-10

Price Target

$255

Buy

TD Cowen

2026-04-24

Price Target

$235

Buy

Canaccord

2026-04-24

Price Target

$252

Buy

Canaccord

2026-04-07

Price Target

$242

Buy

Valuation Metrics

The current forward P/E ratio for Firstcash Holdings Inc (FCFS) is 17.15, compared to its 5-year average forward P/E of 16.04.

Forward P/E

Fair
5Y Average P/E
16.04
Current P/E
17.15
Overvalued
17.84
Undervalued
14.25

Forward EV/EBITDA

Fair
5Y Average EV/EBITDA
11.06
Current EV/EBITDA
10.22
Overvalued
11.92
Undervalued
10.20

Forward P/S

Overvalued
5Y Average P/S
1.51
Current P/S
1.98
Overvalued
1.77
Undervalued
1.25

Alphio AI Price Scenarios for FCFS

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%FCFS

$128.26

Scenario price

B

Base

Base · 50%FCFS

$115.37

Scenario price

B

Bear

Bear · 25%FCFS

$104.09

Scenario price

Whales holding FCFS

P

Peregrine Capital Management, LLC

+ HoldingFCFS

+10.70%

3M Return

T

Tremblant Capital Group

+ HoldingFCFS

+4.39%

3M Return

O

Oberweis Asset Management, Inc.

+ HoldingFCFS

+3.87%

3M Return

G

Granite Investment Partners, LLC

+ HoldingFCFS

+0.69%

3M Return

E

EARNEST Partners, LLC

+ HoldingFCFS

-3.30%

3M Return

N

NewSouth Capital Management, Inc.

+ HoldingFCFS

-3.75%

3M Return

Events Timeline

2026-07-23 (ET)

06:30:00

Company Raises 2026 Pawn Segment Revenue Outlook

06:30:00

FirstCash Q2 Revenue Reaches $1.07B, Exceeds Expectations

2026-07-22 (ET)

06:30:00

FirstCash Announces Leadership Transition, Wessel to Executive Chairman

2026-06-23 (ET)

06:31:00

FirstCash to Acquire Ramsdens for 600 Pence

2026-04-23 (ET)

06:10:00

FirstCash Raises 2026 Revenue Growth Outlook to Mid-Teens

News

FCFS FAQ — answered by Alphio AI

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 customer payment solutions at the point-of-sale (POS) for retailers of consumer goods and services, which it conducts solely through its subsidiary, American First Finance (AFF). The Company's customer payment solutions business line focuses on lease-to-own (LTO) products and facilitating other retail financing payment options across a large network of traditional and e-commerce merchant partners in the United States. The Company operates through four segments: U.S. pawn, Latin America pawn, U.K. pawn, and Retail POS payment solutions. The Company operates over 3,300 pawn stores with locations in the United States, Latin America and the United Kingdom. The stores buy and sell a wide variety of jewelry, electronics, tools, appliances, sporting goods, musical instruments and other merchandise. It operates in the Financials sector (RETAIL-MISCELLANEOUS RETAIL industry).

FirstCash Holdings is a good buy right now due to its strong fundamentals and positive analyst outlook. The current price is $213.70, and the forward P/E ratio is 17.15, indicating potential for growth. Additionally, the company has shown impressive revenue growth of 21.6% annually over the past five years, which supports its market position. However, investors should be cautious of regulatory risks that could impact profit margins, particularly with potential changes in consumer lending laws.

6 analysts cover FCFS: 4 rate it Buy, 2 Hold and 0 Sell. The average price target is 196.50.

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This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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