Want to see FCFS full AI Analyst Report?
FCFS Stock Chart & Stats
$206.77
$0.81(0.76%)
At close: 4:00 PM EST
$206.77
$0.81(0.76%)
Day’s Range― - ―
52-Week Range$119.21 - $235.97
Previous CloseN/A
Volume68.89K
Average Volume (3M)479.61K
Market Cap
$9.36B
Enterprise Value$10.80K
Total Cash (Recent Filing)$130.74M
Total Debt (Recent Filing)$2.61B
Price to Earnings (P/E)26.7
Beta0.18
Next Earnings
Jul 23, 2026EPS Estimate
2.39Next Dividend Ex-DateN/A
Dividend Yield0.79%
Share Statistics
EPS (TTM)8.00
Shares Outstanding43,836,685
10 Day Avg. Volume353,083
30 Day Avg. Volume479,605
Financial Highlights & Ratios
PEG Ratio0.79
Price to Book (P/B)3.15
Price to Sales (P/S)1.96
P/FCF Ratio13.50
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$243.50Price Target Upside17.76% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)10.92
Revenue Forecast (FY)$4.28B
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationConsistent high operating and free cash flow provides durable funding for store rollouts, M&A, dividends and debt servicing. Strong cash conversion (~90% of net income) reduces reliance on external financing and supports long-term capital allocation flexibility despite cyclical retail volumes.
High Margins From Pawn ModelSustained gross and net margins reflect the pawn business's mix of fee income plus resale margins on forfeited collateral. The model’s collateralized lending limits credit losses and, combined with merchandising margins and scale, supports margin resilience across moderate economic cycles.
Scale & Strategic UK Expansion (Ramsdens)Acquiring Ramsdens meaningfully increases geographic scale in the U.K., creating operating efficiencies and revenue/EBITDA synergies. Greater store density and combined platform can improve lending capacity and merchandising leverage, strengthening long-term competitive positioning in three regions.
Bears Say
Volatile Leverage HistoryWide swings in leverage across reporting periods indicate sensitivity to financing cycles and transaction timing. Periods of materially higher debt increase refinancing, covenant and interest-rate risk, potentially constraining investment or forcing deleveraging during adverse conditions.
Earnings Concentration In Pawn OperationsHeavy reliance on pawn operations concentrates revenue and earnings exposure to pawn-specific demand, local retail competition, and regulatory changes. While collateralization limits credit loss, concentration reduces diversification benefits and raises sensitivity to industry structural shifts.
Increased Long‑term Unsecured DebtIssuing sizable senior unsecured notes extends maturities but adds fixed interest obligations and restrictive covenants. Higher long-term interest expense and debt covenants can limit financial flexibility, especially if growth or cash flow weakens, increasing refinancing and liquidity risk.
FirstCash News
FCFS FAQ
What was First Cash Financial Services’s price range in the past 12 months?
First Cash Financial Services lowest stock price was $119.20 and its highest was $235.97 in the past 12 months.
What is First Cash Financial Services’s market cap?
First Cash Financial Services’s market cap is $9.36B.
When is First Cash Financial Services’s upcoming earnings report date?
First Cash Financial Services’s upcoming earnings report date is Jul 23, 2026 which is in 2 days.
How were First Cash Financial Services’s earnings last quarter?
First Cash Financial Services released its earnings results on Apr 23, 2026. The company reported $2.69 earnings per share for the quarter, beating the consensus estimate of $2.333 by $0.357.
Is First Cash Financial Services overvalued?
According to Wall Street analysts First Cash Financial Services’s price is currently Undervalued.
Does First Cash Financial Services pay dividends?
First Cash Financial Services pays a Quarterly dividend of $0.42 which represents an annual dividend yield of 0.79%. See more information on First Cash Financial Services dividends here
What is First Cash Financial Services’s EPS estimate?
First Cash Financial Services’s EPS estimate is 2.39.
How many shares outstanding does First Cash Financial Services have?
First Cash Financial Services has 43,836,685 shares outstanding.
What happened to First Cash Financial Services’s price movement after its last earnings report?
First Cash Financial Services reported an EPS of $2.69 in its last earnings report, beating expectations of $2.333. Following the earnings report the stock price went up 3.258%.
Which hedge fund is a major shareholder of First Cash Financial Services?
Currently, no hedge funds are holding shares in FCFS
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
FirstCash Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$243.50 (17.76% Upside)
$243.50 (17.76% Upside)
Blogger Sentiment
Bullish
FCFS Sentiment 70%
Sector Average 63%
Sector Average 63%
Hedge Fund Trend
Increased
By 324.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $2.6M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.0%
Last 30 Days ▼ 1.8%
Last 30 Days ▼ 1.8%
Technicals
SMA
Positive
20 days / 200 days
Momentum
62.90%
12-Months-Change
Fundamentals
Return on Equity
0.79%
Trailing 12-Months
Asset Growth
21.12%
Trailing 12-Months
Company Description
First Cash Financial Services
FirstCash Holdings, Inc., along with its affiliates, oversees a widespread network of retail pawn shops throughout the United States, Mexico, and other parts of Latin America. These establishments provide monetary loans against a diverse range of personal collateral, including jewelry, electronic devices, tools, home appliances, sporting goods, and musical instruments. They also sell merchandise obtained either from defaulted pawn agreements or through direct cash purchases from customers. Beyond its core pawn operations, the firm processes scrap jewelry and trades valuable commodities such as gold, silver, and diamonds on global markets. As of December 31, 2021, its extensive footprint included 1,081 outlets in the U.S. (including the District of Columbia), 1,656 in Mexico, 60 in Guatemala, 13 in El Salvador, and 15 in Colombia. The company was established in 1988 and maintains its principal executive offices in Fort Worth, Texas.
FCFS Stock 12 Month Forecast
Average Price Target
$243.50
▲(17.76% Upside)
Technical Analysis
Ownership Overview
3.14% Insiders
37.05% Mutual Funds
1.08% Other Institutional Investors
33.98% Public Companies and Individual Investors