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FCFSFirstCash Holdings, Inc
$223.25$9.9B
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FCFS logoFirstCash Holdings, Inc(FCFS)Earnings, Financials & Key Ratios

FCFS•NASDAQ
$223.25
30.1× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryDebt Collection and Collateral Lending
AboutFirstCash Holdings, Inc, together with its subsidiaries, operates retail pawn stores in the United States, Mexico, and rest of Latin America. 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 on forfeited pawn loans and over-the-counter purchases of merchandise directly from customers. The company is also involved in melting scrap jewelry, as well as sells gold, silver, and diamonds in commodity markets. As of December 31, 2021, it operated 1,081 stores in the United States and the District of Columbia; 1,656 stores in Mexico; 60 stores in Guatemala; 13 stores in El Salvador; and 15 stores in Colombia. The company was incorporated in 1988 and is headquartered in Fort Worth, Texas.Show more
  • EBITDA$993M+0.5%
  • Net Income$330M+27.6%
  • EPS (Diluted)7.42+29.5%
  • Gross Margin51.67%+7.4%
  • EBITDA Margin27.13%-7.0%
  • Operating Margin15.36%+15.5%
  • Net Margin9.02%+18.1%
  • ROE15.26%+19.4%

FCFS Price & Volume

FirstCash Holdings, Inc (FCFS) stock price & volume — 10-year historical chart

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Diversified Pawn Operations Drive Scalable Revenue Growth

Investment Thesis • Updated 2026Q1

VerdictPositive: The company exhibits a compelling forward P/E of 19.74 and a robust free cash flow margin of 14.6% as of 2026Q1
Growth:Accelerating
Profitability:Strong
Financial:Healthy
Cash Flow:Robust
Primary Risk:Regulatory and credit volatility

Key Thesis Takeaways

  • FirstCash Holdings is successfully scaling its revenue from $831 million in 2024Q2 to $1.1 billion in 2026Q1 by integrating the American First Finance platform into its established pawn network.
  • While the company demonstrates robust operational leverage and consistent free cash flow generation, investors should monitor the significant $2.0 billion goodwill concentration and potential regulatory risks associated with its lease-to-own financial services.
  • The recent deleveraging to $252 million in debt as of 2026Q1 suggests a strengthened balance sheet, though the sustainability of these margins remains sensitive to credit provisioning requirements.

Verdict Logic

indicating strong value relative to its recent earnings growth trajectory.

FCFS Growth Metrics

FirstCash Holdings, Inc (FCFS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years17.91%
5 Years17.55%
3 Years10.29%
TTM-

Profit CAGR

10 Years18.46%
5 Years25.39%
3 Years9.23%
TTM26.13%

EPS CAGR

10 Years13.24%
5 Years23.72%
3 Years11.45%
TTM27.68%

Return on Capital

10 Years10.45%
5 Years9.79%
3 Years11.3%
Last Year12.45%

FCFS Recent Earnings

FirstCash Holdings, Inc (FCFS) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$2.69+15.5%
$2.33
Rev
$1.1B+4.8%
$1.0B
Q1 2026
Feb 5, 2026
Metric
Actual
Est
EPS
$2.64+3.9%
$2.54
Rev
$1.1B+3.5%
$1.0B
Q4 2025
Oct 30, 2025
Metric
Actual
Est
EPS
$2.26+16.5%
$1.94
Rev
$936M+8.7%
$861M
Q3 2025
Jul 24, 2025
Metric
Actual
Est
EPS
$1.79+7.8%
$1.66
Rev
$831M+1.2%
$820M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$2.69vs $2.33+15.5%
$1.1Bvs $1.0B+4.8%
Q1 2026Feb 5, 2026
$2.64vs $2.54+3.9%
$1.1Bvs $1.0B+3.5%
Q4 2025Oct 30, 2025
$2.26vs $1.94+16.5%
$936Mvs $861M+8.7%
Q3 2025Jul 24, 2025
$1.79vs $1.66+7.8%
$831Mvs $820M+1.2%
Based on last 12 quarters of dataView full earnings history →

Latest FCFS News

Recent stock market news and headlines for FirstCash Holdings, Inc (FCFS)

Proactive Investors·Jun 23, 2026
Ramsdens shares surge 28% as US pawnbroker FirstCash swoops with £206 million bid

Shares in Ramsdens Holdings PLC (AIM:RFX) jumped 28% to 580 pence after the company agreed a recommended cash takeover by FirstCash, the US pawnbroking group. The deal values Ramsdens at up to around £206 million on a fully diluted basis.

GlobeNewsWire·Jun 23, 2026
FirstCash to Acquire Ramsdens, a Leading Pawn, Retail and Financial Services Operator in the United Kingdom

Expands presence in the U.K. market through the addition of 174 pawn locations with strong brand; Further enhances FirstCash's global leadership positioning and long-term growth platform; Expected to be accretive to EBITDA and EPS _________________________________________________________

Zacks Investment Research·Jun 17, 2026
Is FirstCash (FCFS) Outperforming Other Business Services Stocks This Year?

Here is how FirstCash Holdings (FCFS) and Green Dot (GDOT) have performed compared to their sector so far this year.

Peers Comparison

Key metrics vs top competitors for FirstCash Holdings, Inc (FCFS)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
FCFS logoFCFSFirstCash Holdings, IncCurrent
$223.25$9.85B30.098.04%9.02%15.26%0.71%
EZPW logoEZPWEZCORP, Inc.
$35.44$2.08B24.969.7%9.93%13.87%—
WRLD logoWRLDWorld Acceptance Corporation
$199.11$923.93M28.943.7%5.98%9.36%—
RM logoRMRegional Management Corp.
$41.88$393.54M9.419.7%7.4%13.16%—
ENVA logoENVAEnova International, Inc.
$237.00$5.91B20.4718.58%9.95%24.88%—
V logoVVisa Inc.
$352.20$675.68B34.5311.34%51.68%58.9%—

Compare FCFS vs Peers

FirstCash Holdings, Inc (FCFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs EZPW

Most directly comparable listed peer for FCFS.

Scale Benchmark

vs V

Larger-name benchmark to compare FCFS against a more recognizable public peer.

Peer Set

Compare Top 5

vs EZPW, WRLD, RM, ENVA

FCFS SEC Filings & Documents

FirstCash Holdings, Inc (FCFS) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 24, 2026·SEC

Material company update

Apr 23, 2026·SEC

Material company update

Mar 3, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 9, 2026·SEC

FY 2025

Feb 3, 2025·SEC

FY 2024

Feb 5, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 24, 2026·SEC

FY 2025

Nov 3, 2025·SEC

FY 2025

Jul 28, 2025·SEC

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FCFS Frequently Asked Questions

FirstCash Holdings, Inc (FCFS) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is FirstCash Holdings, Inc's revenue?

FirstCash Holdings, Inc (FCFS) reported $3.88B in revenue for fiscal year 2025.

How fast is FirstCash Holdings, Inc growing?

FirstCash Holdings, Inc (FCFS) grew revenue by 8.0% over the past year. This is steady growth.

Is FCFS profitable?

Yes, FirstCash Holdings, Inc (FCFS) is profitable, generating $354.5M in net income for fiscal year 2025 (9.0% net margin).

Dividend & Returns
Does FCFS pay dividends?

Yes, FirstCash Holdings, Inc (FCFS) pays a dividend with a yield of 0.71%. This makes it attractive for income-focused investors.

What is FCFS's return on equity?

FirstCash Holdings, Inc (FCFS) has a return on equity (ROE) of 15.3%. This is reasonable for most industries.

What is FirstCash Holdings, Inc's free cash flow?

FirstCash Holdings, Inc (FCFS) generated $553.3M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in FCFS back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →