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Company Analysis

FirstCash Holdings, Inc. FCFS

A comprehensive view of key metrics, scores, and financial health for FirstCash Holdings, Inc.

Overview of FirstCash Holdings, Inc.

FCFS NMS
Financial Services Credit Services Framework: Banks & Lenders Mid Cap
FirstCash Holdings, Inc. (FCFS), is a Mid Cap company, in the Credit Services industry, last closed at $193.71, about 72.0% overvalued vs fair value, +19.6% 1Y return, ranked 431/1078 in sector.
Metrics P/E 21.5× Rev Growth 8.0% ROE 15.3% Gross Margin 50.3% Div Yield 1.01%
USD 193.71
6.87%
(Delayed)
• Vol 90d: 47.2%
52-Week Range
Market Cap
$8.31B
Enterprise Value
$10.55B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 100%
Confidence: 96%
Updated: Oct 31
Top Beats
No strong beats yet

Quick Facts

Website https://firstcash.com
HQ Fort Worth, TX
Fiscal year Dec 31

Next Events

Dividend Nov 24 Ex-div: Nov 13

Fair Value Snapshot

Bear Base Bull
$30
$54
$102
Current: $193.71 -72% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$2.9M
51.7%%
Interest Expense
$121.3M
Net Interest Income
-$118.4M
-14.6%%
Total Revenue
$3.7B
8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
14.5%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$186.7M
56.5% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Lender Specialized

Competitive Advantage Assessment

Evaluating FirstCash Holdings, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
59
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Disciplined Risk Management Risk management appears disciplined (asset quality score 0.73).

Key risks

  • Revenue Concentration Risk Revenue concentration is concerning (growth stability 0.34).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Funding & Return Stability

Moderate
70
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Signals, strengths and risks for Funding & Return Stability

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 95% Coverage
Trade-Off Triangle Visualization A ternary plot showing FCFS's balance between Growth (31.0%), Profitability (38.6%), and Safety (30.4%). Growth 31% Safety 30% Profitability 39%

Click axes to expand details. Marker shows current allocation.

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Growth

57th percentile vs peers
57
Key Signals
Asset Growth YoY 18.4% 86p Loan Growth YoY 60.6% 78p EPS Growth YoY 29.5% 64p Equity Growth YoY 10.8% 57p NII Growth YoY -14.6% 5p
Strengths
  • Asset Growth YoY in top 20% of peers (18.4%, 86th percentile)
  • Efficiency Ratio in top 20% of peers (34.9%, 92th percentile)
  • ROTE in top 20% of peers (10.95, 99th percentile)
  • ROA in top 20% of peers (6.8%, 98th percentile)
  • ROE in top 20% of peers (15.3%, 87th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-14.6%)

Profitability

71th percentile vs peers
71
Key Signals
Strengths
Risks
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Safety

56th percentile vs peers
56
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for FirstCash Holdings, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$54.31
- - -
-72.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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