FCFS
FirstCash Holdings, Inc.
Next earnings Jul 23, 2026 (before open) · consensus $2.36 EPS, $1.05B rev
$212.45
▼ -2.20%$212.45▲ +65.60%
over 1Y
L $118.91EODHDH $232.57
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today-2.2%
1W-7.2%
1M-8.2%
3M+11.5%
YTD+36.1%
1Y+65.6%
Buy
Conviction
Horizon
Medium (3–12mo)
12-mo target
$•••
Street · 13 analysts
Buy
Pawn and POS-finance compounder growing EPS ~30% with 14.5% ROE; quality is clear, the only debate is the 30.6x price.
The read
Quality fundamentals and an attractive price line up (~33% below fair value) — the rarer case where both the business and the entry look good.
FirstCash operates pawn stores across the U.S. and Latin America plus a retail point-of-sale lending business (AFF), a counter-cyclical, cash-generative model. FY2025 delivered excellent results: revenue grew 10.7% to $1.67B, net income jumped 27.6% to $330M, and diluted EPS rose 29.5% to $7.42, helped by a modest 1.7% reduction in share count. The growth is consistent and accelerating — net income has climbed from $125M (FY2021) to $330M (FY2025) — and profitability is strong, with a 19.8% net margin and a 14.5% return on equity.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $1.13B | $1.26B | $1.38B | $1.51B | $1.67B |
| Gross profit | $919M | $1.26B | $1.51B | $1.63B | $1.84B |
| Operating income | — | — | — | — | — |
| Net income | $125M | $253M | $219M | $259M | $330M |
| Diluted EPS | $3.04 | $5.36 | $4.80 | $5.73 | $7.42 |
| Net margin | 11.0% | 20.1% | 15.9% | 17.2% | 19.8% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value$11.4B
EV / EBITDA—
EV / Sales6.8
EV / FCF21.5
P / FCF17.6
PEG (trailing)1.04
Earnings yield3.5%
FCF yield5.7%
Quality & risk
ROIC (est.)—
Free cash flow$531M
Total debt$2.21B
Net cash-$2.08B
Piotroski F-Score7/9
Capital returns
Buyback yield1.2%
Dividend yield (est.)0.8%
Shareholder yield2.0%
Shares Δ YoY-1.7%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRoutine disclosure cadence — no material red flags in recent filings.
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-24open ↗8-KPeriod ending 2026-06-232026-06-23open ↗8-KPeriod ending 2026-06-182026-06-18open ↗8-KPeriod ending 2026-06-092026-06-09open ↗4Period ending 2026-06-052026-06-08open ↗4Period ending 2026-05-282026-06-01open ↗144Filing2026-05-27open ↗144Filing2026-05-19open ↗4Period ending 2026-05-182026-05-19open ↗4Period ending 2026-05-192026-05-19open ↗4Period ending 2026-05-182026-05-19open ↗144Filing2026-05-18open ↗
Frequently asked
- Is FirstCash Holdings, Inc. (FCFS) a buy?
- FCFS currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. Pawn and POS-finance compounder growing EPS ~30% with 14.5% ROE; quality is clear, the only debate is the 30.6x price.
- What is FCFS's fair value?
- A Modified-Graham model based on FCFS's SEC fundamentals estimates a fair value of about $281.96. It is an estimate from reported earnings, not a price target.
- Is FCFS overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, FCFS currently appears undervalued relative to its SEC-grounded earnings power.
- What is FirstCash Holdings, Inc.'s quality score?
- FCFS scores 73.8921568627451/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000840489, latest 10-Q filed 2026-04-24) · EODHD · analysis by claude-code · as of 6/21/2026, 8:51:18 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.