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Firstcash Holdings, Inc. (FCFS) stock

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NASDAQ: FCFS Nasdaq Consumer Finance Next results ~February 4, 2027

B Fundamentals grade

Firstcash Holdings, Inc. is a US-listed company in the consumer finance industry. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Fair value per share

Under review: valuation models disagree too widely to rate.

Price vs value

Under review: valuation models disagree too widely to rate. We'll show the comparison once resolved.

Firstcash Holdings, Inc. valuation: adjust assumptions and compare models →

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders0 buying, 8 selling0 purchases and 29 sales by directors and officers, last 12 monthsInsider trades
  • Funds246 adding, 208 cuttingOf 55 active managers that changed their stake, 27 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Firstcash Holdings files

10-Q filed October 26: Firstcash

Revenue for the twelve months to September 2026 was $4.29bn, up 22.9% on a year earlier, faster than the 21.6% growth a quarter earlier. Free-cash-flow margin fell to 10.0% from 11.7% a year earlier. Its fundamentals grade moves from C+ to B. The rating stays Sell.

Our model value for Firstcash Holdings is under review, so past values are not shown until it is resolved.

Source: 10-Q filed October 26, 2026 on SEC EDGAR · Financials · Valuation

Earlier notes (1)

Where Firstcash stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $4.29bn, up 22.9% on a year earlier, faster than the 21.6% growth a quarter earlier. Free-cash-flow margin fell to 10.0% from 11.7% a year earlier. Against its peers on growth, profitability, cash generation and balance sheet, it grades C+. It passes 2 of our 6 financial-health checks.

10-Q on SEC EDGAR

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~February 4, 2027 (estimated)

Where it stands out: stock pay as % of revenue of 0.5% ranks 4 of 36 consumer finance companies we cover.

Current signal Revenue growth accelerating: TTM revenue growth rose to 22.9% (+1.3pp vs the prior quarter).

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Fast growth. Revenue grew 22.9% over the last 12 months, against a median of 10.4% for consumer finance companies we cover.
  • Shrinking share count. Diluted shares fell 1.6% in a year, so each share owns more of the business.
  • Beating expectations. Earnings per share beat the analysts' consensus estimate in each of the last four quarters.

Things to watch

  • Insiders selling. 8 insiders sold $20M of stock over the past 365 days and none bought (83% under pre-set trading plans).
  • Weak cash conversion. Free cash flow was 46% of net income over the last 12 months.
  • Short interest rising. Shares sold short rose 15% in a month to 7.6% of tradable shares.

Latest results: FY2026 Q3

Filed October 26, 2026
Earnings per share
$2.68 against an average estimate of $2.63: beat by 1.8%
Revenue
$1.10bn, up 17.7% on a year earlier
Share reaction
-20.3% in the first session after the results on October 22, 2026, against -1.7% for the S&P 500
Guidance given
pawn segments as % of total net revenue and segment pre-tax income 90% (2026); retail sales growth growth 8% to 10% (the fourth quarter)
Next report
October 22, 2026; average EPS estimate $3.12

Firstcash Holdings' figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+6.9%
  • 1 week+10.5%
  • 1 month-7.9%
  • This year+22.3%
  • 1 year+23.3%
  • 5 years+137.5%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

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Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$4.3B
Net margin
9.5%
EPS (TTM, diluted)
$9.24

Growth

Revenue growth
+22.9%
Change in growth rate
+1.3 pts
Share count change
−1.6%

Cash

Stock pay % of revenue
0.5%

Earnings

Last results
October 22, 2026
Next results (est.)
February 4, 2027

News & updates

Updated November 3, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Announcement
  2. Announcement
  3. Our research
  4. Results
  5. Guidance
  6. Agreement
  7. Insider trade
  8. Announcement
  9. Results
  10. Leadership
  11. Announcement

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Firstcash Holdings, Inc. valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: valuation models disagree too widely to rate: held for review.

The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.

Valuation models

We value Firstcash Holdings, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 7.8%: the 10-year Treasury yield (4.9%) plus a beta of 0.63 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$110 ~$79–$170 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$120 ~$100–$160 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$81 ~$53–$110 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$42 ~$55–$82 Included
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$120 ~$120–$150 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. ~$140 ~$110–$180 Included
Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. — Combined value withheld. Review the individual models and their assumptions.

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Firstcash Holdings, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Valuation multiples over time Market data may be delayed

At fiscal year end 20152016201720182019202020212022202320242025Now
Share price$32.51$41.33$60.16$65.26$73.56$64.93$70.43$83.12$105.11$101.75$158.41$193.71
Market value$921m$1.4bn$2.9bn$2.9bn$3.2bn$2.7bn$2.9bn$3.9bn$4.8bn$4.6bn$7.1bn$8.5bn
+ Net debt (− = net cash)$171m$370m$288m$519m$585m$550m$1.2bn$1.3bn$1.5bn$1.6bn$2.1bn$2.2bn
Enterprise value$1.1bn$1.8bn$3.2bn$3.4bn$3.8bn$3.3bn$4.1bn$5.2bn$6.3bn$6.2bn$9.1bn$10.8bn
Multiples
Price / sales 1.3x1.3x1.6x1.6x1.7x1.7x1.7x1.4x1.5x1.4x1.9x2.0x
Price / earnings 15.2x24.1x20.0x19.1x19.3x25.3x23.1x15.5x21.9x17.8x21.3x21.0x
Price / free cash flow 12.8x18.9x14.8x14.1x17.0x14.6x15.9x9.1x13.5x9.7x13.3x12.5x
EV / EBITDA ————————————

Market value uses the period's diluted share count; figures for each fiscal year use that year's results and the price at year end. "Now" uses today's price and the last twelve months.

Moat

59 /100

Moderate moat

How hard Firstcash Holdings's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 7 / 20

    Net income has been a median 5.7% of total assets over 10 years.

  • Pricing power 16 / 20

    Gross margin has been a median 51.9%, moving by 3.7 percentage points (standard deviation) across 10 years.

  • Durability 11 / 20

    Net margin has been a median 8.1%; its worst year was 6.4%.

  • Cash conversion 15 / 20

    Free cash flow was positive in 9 of 9 years, at a median 10.3% of revenue.

  • Discipline 14 / 20

    The diluted share count rose 7.5% over five years; stock-based pay has been a median 0.4% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (64 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $10.98 +25% $4.4bn +19%
Next $12.75 +16% $4.7bn +7%

Next year's EPS estimate has moved −2.3% in 90 days, across 4 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is −2.7% on 90 days ago. In the last 30 days, 1 analyst raised Firstcash Holdings, Inc.'s forecast and 0 cut it.

Consensus EPS forecast Firstcash Holdings, Inc., last 90 days
$10.00 $11.00 $12.00 $13.00 $14.00 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $11.29 Current fiscal year, 60 days ago: $11.32 Current fiscal year, 30 days ago: $11.30 Current fiscal year, 7 days ago: $11.20 Current fiscal year, Now: $10.98 $10.98 Next fiscal year, 90 days ago: $13.05 Next fiscal year, 60 days ago: $13.13 Next fiscal year, 30 days ago: $12.93 Next fiscal year, 7 days ago: $12.95 Next fiscal year, Now: $12.75 $12.75

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $11.29$13.05
60 days ago $11.32$13.13
30 days ago $11.30$12.93
7 days ago $11.20$12.95
Now $10.98$12.75

Earnings against estimates

Quarter toEstimateActualSurprise
Sept 2026 $2.63 $2.68 +1.8%
Jun 2026 $2.39 $2.50 +4.8%
Mar 2026 $2.39 $2.69 +12.4%
Dec 2025 $2.53 $2.64 +4.2%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 22, 2026
  • pawn segments as % of total net revenue and segment pre-tax income · U.S., Latin America and U.K. pawn segments 2026 about 90%
    “Pawn operations remain the primary earnings driver as the Company expects the combined U.S., Latin America and U.K. pawn segments to be approximately 90% of total net revenue and segment level pre-tax income for 2026.” source
  • consolidated effective income tax rate full year 2026 26% to 27%
    “The full year 2026 consolidated effective income tax rate is expected to range from 26% to 27% of income before income taxes.” source
  • retail sales growth · U.S. Pawn the fourth quarter 8% growth to 10% growth
    “While the Company will begin to lap several larger domestic acquisitions made in the fourth quarter of 2025, it continues to expect a low-double-digit growth rate in pawn receivables and fees in the fourth quarter and retail sales growth of approximately 8% to 10% for the quarter.” source
  • operating expenses growth · Latin America Pawn the fourth quarter of 2026 10% growth to 12% growth
    “Driven by greater store counts and compensation costs, operating expenses are expected to increase 10% to 12%.” source
  • operating expenses growth · U.K. Pawn the fourth quarter about 10% growth
    “Operating expenses are expected to increase approximately 10% driven in part by new store additions in 2026.” source
  • net revenue · AFF (Retail POS Payment Solutions) the fourth quarter 15% growth to 20% growth
    “Net revenue (after depreciation of leased merchandise and lease and loan loss provisioning) is expected to decrease 15% to 20% for the fourth quarter, reflecting reduced origination activity over the past year.” source
Show 1 more item
  • interest expense growth the fourth quarter of 2026 about 5% growth
    “Corporate administrative expenses for the fourth quarter of 2026 are expected to remain at a run rate which is similar to the first three quarters of 2026, while interest expense for the fourth quarter of 2026 is expected to increase approximately 5% over the prior-year quarter assuming current interest rates.” source

Figures and quotations are management's, copied from the company's own press release (SEC 8-K exhibit) and checked word for word against it. Forward-looking statements are the company's expectations, not ours and not advice; guidance can change or be missed.

Analyst recommendations

4 analysts, Nov 2026
Buy4100%
Hold00%
Sell00%

Monthly trend

  1. Nov 202644
  2. Oct 202644
  3. Sep 2026415

Counts of recommendations published by analysts covering Firstcash Holdings, Inc., by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
7.6%
of tradable shares
Days to cover
8.06
at average volume
Short interest, 1 month
+15%
to October 15, 2026
Held by institutions
—
of shares
Held by insiders
8.5%
of shares

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months +23.3%

$157.11 on October 31, 2025 to $193.71

ThenNowEffect
Revenue (last 12 months) $3.4bn $4.1bn +21.6%
Net margin 8.6% 9.4% +9.4%
P/E multiple 24.1x 22.1x −8.5%
Share count 45m 44m +1.3%

Biggest factor: revenue.

Last 3 years +83.7%

$105.46 on November 3, 2023 to $193.71

ThenNowEffect
Revenue (last 12 months) $2.9bn $4.1bn +40.4%
Net margin 7.9% 9.4% +19.2%
P/E multiple 21.1x 22.1x +4.8%
Share count 46m 44m +4.8%

Biggest factor: revenue.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
FCFS+9%+18%+27%−3%+56%+22%
Industry peers (median)+44%−34%+12%+30%+20%−4%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
FCFS75%42%58%58%83%55%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
FCFS−34%−22%−15%−23%−13%−27%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since November 2, 2015: 50% from July 24, 2019 to October 30, 2020. Getting back needed a 101% gain, reached on April 27, 2023, 909 days after the low.

Price behaviour

52-week range
$147.15 – $236.43
From 52-week high
−18.1%
vs 50-day average
−9.0%
vs 200-day average
−6.0%
Volatility (1 year)
36%
Beta vs S&P 500
0.75

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
6 up, 6 down
typical move ±7.1%
After a week
6 up, 6 down
typical move ±6.0%
After a month
9 up, 2 down
typical move ±7.2%
Results releasedNext dayS&P 500 next day5 days21 days
October 22, 2026 −20.3% −1.7% −13.3% —
July 23, 2026 −6.6% −1.1% −3.3% +8.1%
April 23, 2026 +6.5% +0.4% +6.1% +10.9%
February 5, 2026 +5.8% +0.6% +5.9% +14.4%
October 30, 2025 +7.0% −0.8% +9.3% +7.9%
July 24, 2025 −8.3% +0.5% −0.2% +8.5%
April 24, 2025 +9.3% +2.8% +9.9% +5.9%
January 30, 2025 −2.5% 0.0% −0.1% +0.2%
October 24, 2024 −4.2% +0.2% −6.1% −4.9%
July 25, 2024 +1.6% +0.6% +2.4% +8.0%
April 25, 2024 −12.4% +0.6% −13.0% −9.8%
February 1, 2024 +1.2% +2.4% +1.9% +0.3%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Firstcash Holdings, Inc. in five measures

Fundamentals grade B
Growth Profitability Cash Balance sheet

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Firstcash Holdings, Inc.
$3B $3.5B $4B $4.5B FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue (TTM), FY23 Q4: $3.2B Revenue (TTM), FY24 Q1: $3.2B Revenue (TTM), FY24 Q2: $3.3B Revenue (TTM), FY24 Q3: $3.4B Revenue (TTM), FY24 Q4: $3.4B Revenue (TTM), FY25 Q1: $3.4B Revenue (TTM), FY25 Q2: $3.4B Revenue (TTM), FY25 Q3: $3.5B Revenue (TTM), FY25 Q4: $3.7B Revenue (TTM), FY26 Q1: $3.9B Revenue (TTM), FY26 Q2: $4.1B Revenue (TTM), FY26 Q3: $4.3B $4.3B

Source: SEC EDGAR filings. Retrieved October 27, 2026.

View chart data
Period Revenue (TTM)
FY23 Q4 $3.2B
FY24 Q1 $3.2B
FY24 Q2 $3.3B
FY24 Q3 $3.4B
FY24 Q4 $3.4B
FY25 Q1 $3.4B
FY25 Q2 $3.4B
FY25 Q3 $3.5B
FY25 Q4 $3.7B
FY26 Q1 $3.9B
FY26 Q2 $4.1B
FY26 Q3 $4.3B
Revenue growth, TTM YoY Firstcash Holdings, Inc.
0% 10% 20% 30% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue growth, TTM YoY, FY23 Q4: 15.5% Revenue growth, TTM YoY, FY24 Q1: 13.9% Revenue growth, TTM YoY, FY24 Q2: 12.6% Revenue growth, TTM YoY, FY24 Q3: 10.1% Revenue growth, TTM YoY, FY24 Q4: 7.5% Revenue growth, TTM YoY, FY25 Q1: 5.1% Revenue growth, TTM YoY, FY25 Q2: 2.5% Revenue growth, TTM YoY, FY25 Q3: 3.9% Revenue growth, TTM YoY, FY25 Q4: 8.0% Revenue growth, TTM YoY, FY26 Q1: 14.4% Revenue growth, TTM YoY, FY26 Q2: 21.6% Revenue growth, TTM YoY, FY26 Q3: 22.9% 22.9%

Source: SEC EDGAR filings. Retrieved October 27, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q4 15.5%
FY24 Q1 13.9%
FY24 Q2 12.6%
FY24 Q3 10.1%
FY24 Q4 7.5%
FY25 Q1 5.1%
FY25 Q2 2.5%
FY25 Q3 3.9%
FY25 Q4 8.0%
FY26 Q1 14.4%
FY26 Q2 21.6%
FY26 Q3 22.9%
FCF margin (TTM) Firstcash Holdings, Inc.
8% 10% 12% 14% FY17 Q1 FY17 Q4 FY18 Q3 FY19 Q4 FCF margin (TTM), FY17 Q1: 8.4% FCF margin (TTM), FY17 Q2: 8.8% FCF margin (TTM), FY17 Q3: 10.3% FCF margin (TTM), FY17 Q4: 10.9% FCF margin (TTM), FY18 Q1: 12.6% FCF margin (TTM), FY18 Q2: 12.0% FCF margin (TTM), FY18 Q3: 12.4% FCF margin (TTM), FY18 Q4: 11.7% FCF margin (TTM), FY19 Q1: 10.2% FCF margin (TTM), FY19 Q2: 10.2% FCF margin (TTM), FY19 Q3: 10.3% FCF margin (TTM), FY19 Q4: 10.0% 10.0%

Source: SEC EDGAR filings. Retrieved October 27, 2026.

View chart data
Period FCF margin (TTM)
FY17 Q1 8.4%
FY17 Q2 8.8%
FY17 Q3 10.3%
FY17 Q4 10.9%
FY18 Q1 12.6%
FY18 Q2 12.0%
FY18 Q3 12.4%
FY18 Q4 11.7%
FY19 Q1 10.2%
FY19 Q2 10.2%
FY19 Q3 10.3%
FY19 Q4 10.0%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2009 Dec 2009 2010 Dec 2010 2011 Dec 2011 2012 Dec 2012 2013 Dec 2013 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Sept 2026
Income
Revenue 355 421 514 592 661 713 705 1,088 1,780 1,781 1,864 1,631 1,699 2,729 3,152 3,389 3,661 4,286
Gross profit 205 246 289 336 370 401 391 605 948 967 1,018 911 919 1,265 1,507 1,630 1,841 2,151
Net income 50 58 78 80 84 85 61 60 144 153 165 107 125 253 219 259 330 406
Diluted EPS $1.65 $1.86 $2.47 $2.70 $2.84 $2.93 $2.14 $1.72 $3.00 $3.41 $3.81 $2.56 $3.04 $5.36 $4.80 $5.73 $7.42 $9.24
Growth (year on year)
Revenue — +18.6% +22.0% +15.2% +11.6% +7.9% −1.2% +54.5% +63.5% +0.1% +4.7% −12.5% +4.1% +60.6% +15.5% +7.5% +8.0% +22.9%
Net income — +15.9% +34.9% +3.3% +4.3% +1.6% −28.7% −1.0% +139.3% +6.5% +7.4% −35.3% +17.2% +102.9% −13.5% +18.0% +27.6% +31.2%
Diluted EPS — +12.7% +32.8% +9.3% +5.2% +3.2% −27.0% −19.6% +74.4% +13.7% +11.7% −32.8% +18.8% +76.3% −10.4% +19.4% +29.5% +33.4%
Margins
Gross margin 57.6% 58.4% 56.3% 56.7% 55.9% 56.2% 55.5% 55.6% 53.2% 54.3% 54.6% 55.9% 54.1% 46.3% 47.8% 48.1% 50.3% 50.2%
Net margin 14.0% 13.7% 15.1% 13.6% 12.7% 11.9% 8.6% 5.5% 8.1% 8.6% 8.8% 6.5% 7.4% 9.3% 7.0% 7.6% 9.0% 9.5%
Free-cash-flow margin 19.7% 13.1% 10.0% 11.3% 12.1% 10.3% 10.2% 7.0% 10.9% 11.7% 10.0% 11.3% 10.7% 15.9% 11.3% 13.9% 14.5% 15.8%
Cash flow
Cash from operations 85 74 80 89 107 98 93 97 220 243 232 222 223 469 416 540 586 679
Capital spending 15 18 29 22 27 24 21 20 26 36 44 38 42 36 60 68 55 0
Free cash flow 70 55 51 67 80 74 72 76 194 208 187 185 181 434 356 472 531 679
Stock-based pay 0 1 1 1 1 2 0 4 3 6 9 3 5 11 14 15 20 21
Free cash flow after stock pay 69 54 51 66 79 72 71 72 191 202 179 182 176 423 342 457 511 658
Balance sheet
Cash 27 67 70 50 71 68 87 90 114 72 47 66 120 117 127 175 125 203
Total debt 0 2 0 117 194 222 258 460 402 591 632 616 1,293 1,375 1,606 1,729 2,208 2,447
Net debt (negative = net cash) −27 −65 −70 67 123 154 171 370 288 519 585 550 1,173 1,257 1,479 1,554 2,083 2,244
Diluted shares — 31m 31m 30m 30m 29m 28m 35m 48m 45m 43m 42m 41m 47m 46m 45m 45m 44m
Returned to shareholders
Dividends — — — — — 0 0 20 37 41 44 45 48 60 62 66 71 74
Buybacks 0 0 55 61 39 44 40 0 92 274 116 107 50 158 114 85 116 277
Total returned 0 0 55 61 39 44 40 20 129 315 160 152 97 217 176 151 187 350

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Financial health

2 of 6 checks passed · September 30, 2026
What it owns · $5.6bn
Short-term assets $2.1bnLonger-term assets $3.5bn
What it owes, and who funded it · $5.6bn
Short-term liabilities $430mLonger-term liabilities $2.9bnShareholders' equity $2.3bn
  • Short-term assets cover short-term liabilities $2.1bn of assets due within a year against $430m of liabilities due within a year.
  • Short-term assets cover long-term liabilities $2.1bn short-term assets against $2.9bn of longer-dated liabilities.
  • More cash than debt $203m of cash against $2.4bn of debt.
  • Debt below 40% of shareholders' equity Debt is 108% of equity.
  • Debt burden no higher than five years ago Debt to equity moved from 71% to 108% over five years.
  • A year's operating cash flow covers at least 20% of debt $679m of operating cash flow against $2.4bn of debt.
  • Operating profit covers interest at least five times over Interest not separately reported. Not assessable.

From Firstcash Holdings, Inc.'s latest balance sheet as filed. Checks are fixed, documented rules (methodology), counted only where the company reports the figures — a dot means the filing doesn't break the item out. Descriptions of reported data, not advice.

Dividends, buybacks and capital spending

FY2026 Q3 TTM
Buybacks (TTM)
$277M
Dividends (TTM)
$73.5M
Buybacks, last 3 fiscal years
$315M
Diluted share count
−1.6%
year over year
Dividend payout ratio
18%
of net income paid out

Competitors: side by side with peers

Closest by revenue in consumer finance
Last 12 months unless stated FCFS SOFI BFH UPBD ENVA OMF Median
Revenue, last 12 months $4.3bn $4.3bn $4.0bn $4.7bn $3.7bn $5.2bn $1.6bn
Revenue growth, last 12 months 22.9% 40.8% 5.5% 3.2% 20.1% 8.8% 10.4%
Revenue growth, 3-year average 12.0% 32.5% −2.4% 6.0% 21.8% 7.1% 11.3%
Revenue growth, latest quarter 17.7% 42.5% 4.7% −1.6% 25.7% 10.0% 10.6%
Gross margin 50.2% 83.9% 51.6% 49.7% 60.6% — 58.0%
Operating margin — — 37.6% 5.5% 24.0% — 11.2%
Operating margin, 3-year average — — 27.9% 5.7% 22.8% — 19.8%
Net margin 9.5% 14.8% 13.4% 2.4% 10.5% 14.7% 10.5%
Cash from operations / revenue 15.8% −197.5% 54.7% 10.6% 56.2% 61.7% 22.7%
Free-cash-flow margin 10.0% −204.2% 52.8% 9.2% 54.9% 55.9% 18.4%
Free-cash-flow margin, 3-year average 10.9% −140.1% 50.6% 4.8% 55.3% 55.4% 23.6%
Stock pay / revenue 0.5% 6.6% 1.5% 0.5% 1.0% 0.7% 1.3%
Change in share count −1.6% 15.1% −13.2% 1.2% −1.8% −2.5% −0.8%

Median of all 39 companies we cover in consumer finance. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

39 consumer finance companies
Measure Company Peer median Rank
Revenue growth Growth 22.9% 10.4% 12 of 39
Change in growth rate Growth +1.3pp +0.6pp 17 of 38
Net margin Profitability 9.5% 10.5% 22 of 39
Stock pay as % of revenue Cash generation 0.5% 1.3% 4 of 36
Change in share count Balance sheet -1.6% -0.0% 19 of 38

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Where the revenue comes from

Fiscal year to December 31, 2025
Geography
Region Revenue Share YoY
United States $2.6B 71.6% ▲ 1.7%
Mexico $836M 22.8% ▲ 9.4%
United Kingdom $151M 4.1% —
Other Latin America $53.3M 1.5% ▲ 12.3%

From Firstcash Holdings, Inc.'s 10-K filed February 9, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Who owns it

Funds buying and selling
Reported value
$9.2B
Institutions reporting
501
Shares held vs prior quarter
▲ 3.0%
Positions opened / closed
70 / 38

Top buyers and sellers, Q2 2026: 246 institutions bought and 208 sold ; the biggest buyer was Bessemer Group Inc (+454K shares) and the biggest seller Fiduciary Management Inc (−722K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $1.1B 5.0M 11.8% ▲ 6.1%
FMR LLC $659M 3.0M 7.2% ▼ 17.6%
Earnest Partners LLC $456M 2.1M 4.9% ▼ 2.6%
Vanguard Portfolio Management LLC $438M 2.0M 4.8% ▲ 2.1%
Vanguard Capital Management LLC $367M 1.7M 4.0% ▲ 0.5%
State Street Corp $326M 1.5M 3.5% ▲ 5.8%
Price T Rowe Associates Inc $313M 1.4M 3.4% ▲ 3.1%
Geode Capital Management, LLC $269M 1.2M 2.9% ▲ 7.7%
Hood River Capital Management LLC $264M 1.2M 2.9% ▲ 7.8%
Bank Of America Corp $248M 1.1M 2.7% ▲ 3.2%
Dimensional Fund Advisors LP $206M 952K 2.2% ▼ 3.9%
Sei Investments Co $180M 830K 1.9% ▲ 4.5%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Firstcash Holdings, Inc.'s complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Insider purchases History → $0 0 trades by 0 insiders, last 12 months Insider sales History → $20.4M 29 trades by 8 insiders · 83% under pre-set plans
Net ▼ $20.4M net selling
Insider Date Trade Shares Price Value
Graves James H Director September 3, 2026 Sell 3,750 $221.20 $829,500
Hambleton Howard F AFF President August 18, 2026 Sell pre-set plan 2,000 $212.98 $425,960
Orr R Douglas EVP & Chief Financial Officer August 17, 2026 Sell pre-set plan 1,000 $215.98 $215,980
Orr R Douglas EVP & Chief Financial Officer August 17, 2026 Sell pre-set plan 1,000 $215.97 $215,970
Orr R Douglas EVP & Chief Financial Officer August 17, 2026 Sell pre-set plan 1,000 $216.04 $216,040
Stuart Thomas Brent President and COO August 17, 2026 Sell pre-set plan 5,348 $214.63 $1.1M
Ramos Raul SVP Latin American Operations June 5, 2026 Sell 6,835 $225.23 $1.5M
Ramos Raul SVP Latin American Operations May 28, 2026 Sell 3,165 $231.13 $731,526
Hambleton Howard F AFF President May 19, 2026 Sell pre-set plan 3,000 $226.41 $679,230
Orr R Douglas EVP & Chief Financial Officer May 18, 2026 Sell pre-set plan 1,000 $227.28 $227,280
Orr R Douglas EVP & Chief Financial Officer May 18, 2026 Sell pre-set plan 1,000 $227.32 $227,320
Orr R Douglas EVP & Chief Financial Officer May 18, 2026 Sell pre-set plan 1,000 $227.31 $227,310

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Trades by members of Congress

All 2 trades and filings

No trades in Firstcash Holdings, Inc. disclosed in the last 12 months; 2 earlier trades on record.

  • Greg Gianforte(MT):Sale (partial), $1,001 - $15,000, traded January 23, 2019, filed March 6, 2019
  • Greg Gianforte(MT):Sale (full), $100,001 - $250,000, traded May 10, 2018, filed May 21, 2018

Value ranges as filed; reports can arrive up to 45 days after a trade.

Earnings dates and SEC filings

Results announcements

Next expected around February 4, 2027 estimated from the company's past filing pattern, not announced

  • October 22, 2026
  • July 23, 2026
  • April 23, 2026
  • February 5, 2026
  • October 30, 2025
  • July 24, 2025

Recent SEC filings

Data status

When each part of this page on Firstcash Holdings, Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Firstcash Holdings, Inc. in brief

What does Firstcash Holdings, Inc. do?
Firstcash Holdings, Inc. is a US-listed company in the consumer finance industry. Its financial year ends in December.
What is Firstcash Holdings, Inc.'s stock ticker?
Firstcash Holdings, Inc. trades under the ticker FCFS on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Firstcash Holdings, Inc.'s revenue, and how fast is it growing?
Over its most recent trailing twelve months, Firstcash Holdings, Inc. reported revenue of $4.3B, 22.9% higher than a year earlier, according to its SEC filings.
Who are Firstcash Holdings, Inc.'s largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., FMR LLC and Earnest Partners LLC. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is Firstcash Holdings, Inc. buying back stock, and does it pay a dividend?
Firstcash Holdings, Inc. spent $277M on share repurchases over the trailing twelve months, and its diluted share count fell 1.6% over the year.
What is Firstcash Holdings, Inc.'s market cap?
On November 2, 2026, Firstcash Holdings, Inc.'s market capitalisation was about $8.5B, with a price-to-earnings ratio of 21.0 and net debt of $2.2B. Market figures come from third-party market data and may be delayed.
Does Firstcash Holdings, Inc. pay a dividend?
Yes: Firstcash Holdings, Inc. paid $73.5M in dividends over the trailing twelve months and a payout ratio of 18.1%.
How much debt does Firstcash Holdings, Inc. have?
Firstcash Holdings, Inc.'s debt-to-equity ratio is 107.6%, from its latest balance sheet (71.0% five years earlier). The financial health section below sets out its other solvency checks.
Who are Firstcash Holdings, Inc.'s competitors?
In our Consumer Finance peer group, the companies closest to Firstcash Holdings, Inc. are SoFi Technologies, Inc., Bread Financial Holdings, Inc., Upbound Group, Inc., Enova International, Inc. and Onemain Holdings, Inc. The side-by-side comparison below sets their revenue, margins and growth against Firstcash Holdings, Inc.'s.
Are insiders buying or selling Firstcash Holdings, Inc. stock?
Over the last 12 months, Firstcash Holdings, Inc.'s directors and officers reported 0 open-market purchases and 29 sales on Form 4. The insider trading page charts every trade.
When is Firstcash Holdings, Inc.'s next earnings date?
Around February 4, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Firstcash Holdings, Inc. announces its own schedule.