FirstCash Holdings FCFS
United StatesFinancial Services · Credit ServicesUSD
249.75 USD (+19.2%)
4 analysts
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FirstCash Holdings is a financial services company that operates pawn shops and pawn lending, primarily in the United States and Mexico, offering consumer credit secured by pawned items and check-cashing services.
Key points
from its scores- ✓Strong growth9.2
- ✓Good share-price trend9.2
- ✓Very solid balance sheet8.1
- ✕Demanding valuation2.4
- ✕Little or no dividend4.2
AI analysis
bottom line, main risk, context and newsStrong growth and profitability justify the premium, but regulatory exposure and demanding valuation limit near-term upside potential.
FirstCash shows exceptional growth (revenue +29.4%, earnings +58.2%) with solid financial health (ROE 17.4%, ROA 8.3%), although its current valuation (P/E 23.84) already discounts part of that growth and the business is exposed to increasing regulatory scrutiny in its two main markets.
The main risk is regulatory: changes in pawn or payday lending laws in the US or Mexico could compress margins and limit future growth.
Context and risks
FirstCash operates in the pawn and check-cashing business, a heavily regulated sector in the US and Mexico. Payday and pawn lending activity is subject to active state and federal oversight, with risk of new restrictions on interest rates and collection practices that could compress its margins. Additionally, its exposure to Mexico introduces jurisdictional risk due to peso volatility and local regulatory changes.
Is FirstCash Holdings stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 93% above the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 23.8 | 13.7 | +74% |
| EV / EBITDA | 14.7 | 10.1 | +46% |
| Price / book | 3.9 | 1.9 | +112% |
| Price / sales | 2.2 | 3.5 | −36% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 2.4 out of 10 (median for Financial Services: 5.2).
Average analyst target: 249.75 USD, +19.2% versus the price.
A premium can be justified if the company is of higher quality or grows faster than its sector: Quality / Moat 5.6 (sector 8.8), Growth 9.2 (sector 6.9).
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 23.8
- Forward P/E
- 16.1
- EV / EBITDA
- 14.7
- Price / book
- 3.9
- Price / sales
- 2.2
- PEG
- 1.17
- Market cap
- 9.1B USD
- Enterprise value
- 11.6B USD
Profitability
- ROE
- 17.4%
- ROA
- 8.3%
- ROIC (approx.)
- 12.7%
- Gross margin
- 57.9%
- Operating margin
- 15.5%
- Net margin
- 9.4%
- Free cash flow
- 219.8M USD
- FCF yield
- 2.4%
- Cash conversion
- 28%
Solvency
- Total debt
- 2.7B USD
- Net debt
- 2.5B USD
- Cash
- 172.3M USD
- EBITDA
- 788.2M USD
- Net debt / EBITDA
- 3.21
- Debt / equity
- 116.42
- Current ratio
- 4.89
- Quick ratio
- 3.20
Growth
- Revenue growth
- +29.4%
- Earnings growth
- +58.2%
- EPS (TTM)
- 8.79 USD
- EPS (forward)
- 12.98 USD
Dividend
- Dividend yield
- 0.8%
- Payout
- 19.1%
Risk and market
- Beta
- 0.55
- Analyst consensus
- Strong buy (4)
- Target price
- 249.75 USD
- 52-week range
- 146.77 – 238.93
Recent news
All FCFS news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about FirstCash Holdings
Is FirstCash Holdings stock cheap or expensive?
On P/E and Price / book, it trades 93% above the Financial Services median on average. Valuation score: 2.4 out of 10 (median for Financial Services: 5.2). Average analyst target: 249.75 USD, +19.2% versus the price. This is not investment advice.
What score does FirstCash Holdings get on MeridIAn Screener?
It scores 6.3 out of 10, rank 720 of 2,130 (better than 63% of the companies analysed). Its strongest category is Growth (9.2) and its weakest, Valuation (2.4). Analysis of 08/10/2026.
What is FirstCash Holdings's P/E ratio?
Its P/E is 23.8: the share price equals 23.8 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 16.1.
How much is FirstCash Holdings worth on the stock market?
Its market capitalisation is 9.1B USD.
Does FirstCash Holdings pay a dividend?
Yes: its dividend yield is 0.80% and it pays out 19% of its earnings.
How has FirstCash Holdings stock performed over the last year?
It has risen 40.3% over the last year, excluding dividends. Over the last 52 weeks it has traded between 146.77 and 238.93 USD. Past performance does not guarantee future results.
What do analysts think of FirstCash Holdings?
4 analysts cover it; their average recommendation is “Strong buy” and their average target is 249.75 USD (+19.2% versus the price). It is an estimate, not market data.