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FirstCash Holdings (FCFS) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

FirstCash Holdings
NasdaqGS•Financial Services•Credit Services
$225.62+1.70(0.01%)Pre-market
Market Cap
$9.59B
P/E
24.7x
P/S
2.3x
P/B
4.1x

FirstCash Holdings, Inc., together with its subsidiaries, operates retail pawn stores in the United States, Mexico, rest of Latin America, and the United Kingdom. The company operates through four segments: U.S. Pawn, Latin America Pawn, U.K. Pawn, and Retail POS Payment Solutions segments. Its pawn stores lend money on the collateral of pledged personal property, including jewelry, electronics, tools, appliances, sporting goods, and musical instruments; and retails merchandise acquired through collateral forfeitures and over-the-counter purchases from customers. The company also provides retail POS payment solutions, which focuses on LTO products and facilitating other retail financing payment options across the network of traditional and e-commerce merchant partners. It serves cash and credit-constrained consumers. The company was formerly known as FirstCash, Inc and changed its name to FirstCash Holdings, Inc. in December 2021. FirstCash Holdings, Inc. was incorporated in 1988 and is headquartered in Fort Worth, Texas.

A

How this company scores

ExcellentMetricSide Score: 80/100

Strongest: Growth (25/25); weakest: Balance Sheet & Red Flags (11/25).

Profitability19/25
Growth25/25
Balance Sheet & Red Flags11/25
Cash & Earnings Quality25/25
Strengths
Growing revenueRising free cash flowHigh ROERising earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 24.7x5y range 17.8x – 48.2x
P/E 24.7x · near its 20-quarter median

Currently near its 20-quarter median.

P/S · 2.3x5y range 1.4x – 3.0x
P/S 2.3x · near its 20-quarter median

Currently near its 20-quarter median.

P/B · 4.1x5y range 2.2x – 4.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Leverage Risk

Watch

Debt-to-equity has risen 28.3% recently — increasing financial risk even if the current ratio is manageable.

Price & Volume
Market Cap $9.59B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue
$4.12B
4Q
Q. Revenue
$1.07B
29%
TTM EBITDA
$651.79M
7Q
TTM Op. Income
$527.40M
7Q
Q. Op. Income
$127.00M
57%
TTM Net Income
$388.15M
7Q
Q. Net Income
$93.47M
56%
EPS
$2.13
58%
Shares Out.
$43.80M
1%
$4.12B in TTM revenue grew 21.6% YoY, reaching $1.07B last quarter. TTM EBITDA of $651.79M and TTM operating income of $527.40M show growth is flowing through to the bottom line. TTM net income of $388.15M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 4 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin
49.7%
0%
EBITDA Margin
14.8%
15%
Op. Margin
11.8%
21%
Net Margin
8.7%
21%
Op. margin of 11.8% is up 2.1% YoY — cost efficiency is improving. Net margin at 8.7% and gross margin of 49.7% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 21% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio
24.7x
2Q
P/S Ratio
2.3x
2Q
P/B Ratio
4.1x
6Q
At 24.7x P/E, the stock trades within typical market levels. P/S of 2.3x and P/B of 4.1x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets
$5.49B
5Q
Cash
$172.30M
2Q
Long-Term Debt
$2.35B
2Q
Book Value
$2.32B
7Q
D/E Ratio
1.0
2Q
Debt/EBITDA
14.7
2Q
With $5.49B in assets and $2.35B in long-term debt, D/E is 1.0and book value is $2.32B — moderate leverage. Across the last 8 quarters, debt/equity has risen for 2 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow
$176.78M
51%
TTM Free Cash Flow
$605.83M
4Q
FCF Margin
14.7%
4%
FCF / Net Income
1.6
5%
TTM FCF of $605.83M on $176.78M in operating cash flow. The FCF / Net Income ratio of 1.6x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 4 consecutive quarters — an improving trend.

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· above its 20-quarter median

Currently above its 20-quarter median.