Stock AnalizFirstCash Holdings, Inc. FCFS
Other Specialty Stores · IPO 1991 · data as of November 13, 2026
FirstCash Holdings, Inc. (FCFS) is a consumer discretionary company listed in the US with a market value of about $7.9B. In the twelve months to September 30, 2026 it had revenue of $4.3B and net income of $406M, a net margin of 9.5%.
Its overall Stock Analiz score is 3.6 out of 5 (good). The strongest part is value (5/5); the weakest is future growth (2/5).
Key numbers: a P/E of 20.0, a price to free cash flow of 13.1, 5-year revenue growth of 18% a year, a 5-year average ROIC of 7%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 17% above the current price.
Score: 3.6 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 3-year revenue growth above 10% a year
- Profit margin improving
- 5-year EPS growth above 10% a year
Checks not passed
- Revenue growth above 10% last year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
- ROE above 15%
- More cash than debt, or low debt to equity
- Debt below 3 years of free cash flow
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.3B | $3.7B | $3.4B | $3.2B | $2.7B | $1.7B | $1.6B | $1.9B | $1.8B | $1.8B | $1.1B |
| Net income | $406M | $330M | $259M | $219M | $253M | $125M | $107M | $165M | $153M | $144M | $60M |
| Free cash flow | $606M | $531M | $472M | $356M | $434M | $181M | $185M | $187M | $208M | $194M | $76M |
| EPS (diluted) | $9.23 | $7.42 | $5.73 | $4.80 | $5.36 | $3.04 | $2.56 | $3.81 | $3.41 | $3.00 | $1.72 |
| Net margin | 9.5% | 9.0% | 7.6% | 7.0% | 9.3% | 7.3% | 6.5% | 8.8% | 8.6% | 8.1% | 5.5% |
| ROIC | — | 6.8% | 6.3% | 7.3% | 8.7% | 4.4% | 5.9% | 8.4% | 7.9% | 8.7% | 3.8% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 4 analysts is $247.50, 34% above the current price; targets range from $235.00 to $255.00; the consensus rating is “Strong buy”; expected EPS is $10.92 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is FirstCash’s P/E ratio?
About 20.0, based on the last twelve months of diluted earnings per share (forward P/E about 15.1).
Is FirstCash stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 17% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does FirstCash pay a dividend?
Yes. The dividend yield is about 1.00%, and it has paid dividends for 10 years in our data.
Is FirstCash a good stock to buy?
We do not give buy or sell advice. FirstCash scores 3.6 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.