FirstCash AI Stock Analysis
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FirstCash (FCFS) AI Stock Analysis
FirstCash
(NASDAQ:FCFS)
The score is driven primarily by solid financial performance (growth, profitability, and strong free-cash-flow generation), partially offset by higher leverage. Technicals are the biggest near-term drag, with a clear downtrend (price below key moving averages and negative MACD). Valuation looks reasonable and recent corporate actions (buybacks and expanded credit facility) are supportive but secondary.
FirstCash (FCFS) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $7.89B
- Dividend Yield
- 0.91%
- Average Volume (3M)
- 467.48K
- Price to Earnings (P/E)
- 19.9
- Beta (1Y)
- 0.17
- Revenue Growth
- 22.93%
- EPS Growth
- 33.46%
- Country
- US
- Employees
- 20,000
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
FirstCash Business Overview & Revenue Model
Company Description
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 per...
How the Company Makes Money
FirstCash makes money mainly through (1) pawn loan-related charges and (2) retail sales of merchandise. 1) Pawn lending (service charges/fees on pawn loans): In a pawn transaction, a customer pledges an item (e.g., jewelry or electronics) as collater...
FirstCash Financial Statement Overview
Summary
Fundamentals are solid: revenue has expanded materially (about $1.70B in 2021 to $4.29B TTM) with healthy net margins (TTM ~9.5%) and strong free-cash-flow generation (TTM FCF ~$596M with good FCF-to-net-income conversion). The main restraint is the more levered balance sheet, with debt rising to ~$2.81B TTM and debt-to-equity increasing to ~1.24x, reducing flexibility if growth or margins soften.
Income Statement
78PositiveBalance Sheet
62PositiveCash Flow
74Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.29B | 3.66B | 3.39B | 3.15B | 2.73B | 1.70B |
| Gross Profit | 2.09B | 1.89B | 1.63B | 1.51B | 1.26B | 919.15M |
| EBITDA | 1.02B | 999.78M | 986.25M | 906.71M | 851.67M | 257.62M |
| Net Income | 406.49M | 330.38M | 258.81M | 219.30M | 253.50M | 124.91M |
Balance Sheet | ||||||
| Total Assets | 5.56B | 5.30B | 4.48B | 4.29B | 3.90B | 3.84B |
| Cash, Cash Equivalents and Short-Term Investments | 203.16M | 125.20M | 175.09M | 127.02M | 117.33M | 120.05M |
| Total Debt | 2.81B | 2.82B | 2.05B | 1.92B | 1.67B | 1.59B |
| Total Liabilities | 3.29B | 3.02B | 2.42B | 2.29B | 2.03B | 2.03B |
| Stockholders Equity | 2.27B | 2.28B | 2.05B | 2.00B | 1.88B | 1.81B |
Cash Flow | ||||||
| Free Cash Flow | 595.90M | 531.04M | 471.71M | 355.99M | 433.72M | 181.28M |
| Operating Cash Flow | 679.04M | 585.94M | 539.96M | 416.14M | 469.31M | 223.30M |
| Investing Cash Flow | -472.32M | -828.04M | -441.59M | -462.33M | -336.44M | -744.64M |
| Financing Cash Flow | -138.12M | 176.41M | -38.19M | 51.31M | -139.27M | 576.99M |
FirstCash Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FCFS, the sentiment is Negative. The current price of 184.00 is below the 20-day moving average (MA) of 193.29, below the 50-day MA of 207.93, and below the 200-day MA of 206.73, indicating a bearish trend. The MACD of -6.69 indicates Negative momentum. The RSI at 39.10 is Neutral, neither overbought nor oversold. The STOCH value of 26.05 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FCFS.
FirstCash Risk Analysis
FirstCash disclosed 36 risk factors in its most recent earnings report. FirstCash reported the most risks in the "Legal & Regulatory" category.
Latest Risks Added
0 New RisksFirstCash Peers Comparison
Overall Rating
PRG74Outperform
OMF67Neutral
ENVA66Neutral
EZPW66Neutral- FCFS64Neutral
WRLD63Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| PRG | 74Outperform | $1.50B | 10.28 | 19.25% | 1.42% | 10.19% | -6.15% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| OMF | 67Neutral | $6.34B | 8.41 | 22.64% | 7.59% | 6.46% | 11.49% |
| ENVA | 66Neutral | $4.13B | 11.13 | 26.36% | ― | 20.08% | 33.74% |
| EZPW | 66Neutral | $1.77B | 10.97 | 14.45% | ― | 28.61% | 47.06% |
| FCFS | 64Neutral | $7.87B | 19.93 | 17.73% | 0.91% | 22.93% | 33.46% |
| WRLD | 63Neutral | $620.75M | 12.77 | 14.16% | ― | 4.63% | 3.80% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| FCFS | First Cash Financial Services | 184.00 | 27.38 | 17.48% | |
| PRG | Prog Holdings, Inc. | 38.86 | 11.36 | 41.33% | |
| EZPW | EZCORP Inc | 28.30 | 10.89 | 62.55% | |
| WRLD | World Acceptance | 139.30 | 1.17 | 0.85% | |
| OMF | OneMain Holdings, Inc. | 55.36 | -0.14 | -0.26% | |
| ENVA | Enova International Inc. | 171.16 | 43.43 | 34.00% |
FirstCash Corporate Events
FirstCash Reports Strong Growth in Latest Investor Presentation
PositiveIn November 2026, FirstCash made its latest investor presentation available on its corporate website. The presentation reported trailing-12-month revenue of $4.3 billion, GAAP net income of $406 million, adjusted net income of $462 million, adjusted...
FirstCash Expands Share Repurchase Authorization to Boost Returns
PositiveOn October 28, 2026, FirstCash announced that its board had raised the company’s stock repurchase authorization by $200 million to a total of $350 million, with $128 million already utilized since July 2026 to buy 644,000 shares at an average price o...
FirstCash Expands Revolving Credit Facility to Support Growth
PositiveOn August 27, 2026, FirstCash entered a Tenth Amendment to its unsecured revolving bank credit facility, upsizing total lender commitments from $700 million to $1.055 billion and extending the maturity from August 2029 to August 27, 2031. The amended...
FirstCash Reports Strong Growth and Profitability Momentum
PositiveFirstCash Holdings, Inc. reported strong operating momentum in the twelve months ended June 30, 2026, highlighting its dominant pawn-focused business model and scale across the Americas and the U.K. The company’s model of short-term, fully collateral...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 02, 2026