FCFS
FirstCash Holdings, Inc
FCFS's fundamentals are mixed: revenue grew 23%, while its operating margin rose 1 points to 13%. At 20x earnings, it's trading below its usual 22x. Analysts expect strong earnings growth.
FCFS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
FCFS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FCFS.
FCFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 15x | $182 | — |
| Cheap | 19x | $176 | -2.9% |
| Current | 20x | $182 | — |
| Fair | 22x | $204 | +12% |
| Expensive | 26x | $240 | +32% |
Historical ranges are pointers, not guarantees.
FCFS's PE is in its cheap range at 20x. If earnings grow as analysts expect, today's price would be 15x next year's earnings.
FCFS Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for FCFS, with profitability improving.
FCFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $12.21 | +32% |
| Q3 2026 | $9.23 | +33% |
| Q2 2026 | $8.76 | +35% |
| Q1 2026 | $7.98 | +28% |
| Q4 2025 | $7.42 | +29% |
| Q3 2025 | $6.93 | +28% |
| Q2 2025 | $6.51 | +25% |
| Q1 2025 | $6.25 | +22% |
| Q4 2024 | $5.73 | +19% |
FCFS's earnings per share have climbed steadily: $9.23 over the past year, up 33% from the year before, and higher year over year for 10 quarters in a row.
FCFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.1B | +18% |
| Q2 2026 | $1.1B | +29% |
| Q1 2026 | $1.1B | +26% |
| Q4 2025 | $1.1B | +20% |
| Q3 2025 | $935.6M | +12% |
| Q2 2025 | $830.6M | 0% |
| Q1 2025 | $836.4M | 0% |
| Q4 2024 | $883.8M | +3.7% |
FCFS's revenue has grown year over year for five quarters in a row: $1.1B last quarter, up 18% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 13% | +0.6 points |
| Q2 2026 | 12% | +2.1 points |
| Q1 2026 | 14% | +0.5 points |
| Q4 2025 | 13% | +1.1 points |
| Q3 2025 | 12% | +1.8 points |
| Q2 2025 | 9.8% | +1.8 points |
| Q1 2025 | 13% | +3.5 points |
| Q4 2024 | 12% | +1.7 points |
FCFS's operating margin was 13% last quarter, up 0.6 points from the same quarter a year ago.
FCFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $142M | +4.6% |
| Q2 2026 | $176.8M | +51% |
| Q1 2026 | $153.6M | +21% |
| Q3 2025 | $135.8M | +20% |
| Q2 2025 | $116.9M | +10% |
| Q1 2025 | $126.6M | +3.4% |
| Q3 2024 | $113.1M | +1.5% |
| Q2 2024 | $106.2M | +12% |
FCFS's free cash flow was $608M over the past year, up 31% from the year before. Free cash flow isn't a meaningful measure for financial services companies like FCFS.
FCFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.6% | -701K shares |
| 1 year | -2.6% | -1.1M shares |
| 3 years | -4.5% | -2M shares |
| 5 years | +7% | +2.8M shares |
| Available history | +1.3% | +575K shares |
FCFS has 43M diluted shares, down 2.6% from a year ago, with $277M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $134.2M |
| Q2 2026 | $66.9M |
| Q1 2026 | $50M |
| Q4 2025 | $25.4M |
| Q3 2025 | $30M |
| Q2 2025 | $850,000 |
| Q1 2025 | $59.6M |
| Q4 2024 | — |
FCFS spent $277M buying back its own shares over the past year, about three times what it spent the year before.
FCFS Net Leverage
FCFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 39.3 | Neutral |
| Stochastic | 16.4 | Oversold |
FCFS's weekly RSI is 39 (neutral) and its Stochastic is 16 (oversold).
FCFS PE vs Financial Services Sector
| Metric | FCFS | Sector median | Relative |
|---|---|---|---|
| PE | 20x | 13x | 51% above |
| PE % | 21 | 63 | 42 pts below |
FCFS is trading at 20x earnings, a 51% premium to the Financial Services sector's median of 13x.
FCFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $197.3 | 7.9% below |
| 20 week MA | $208.3 | 13% below |
| 50 week MA | $199.6 | 9% below |
| 100 week MA | $165.4 | 9.9% above |
| 200 week MA | $135.7 | 34% above |
FCFS has pulled back, but its long-term trend is still up: it's below its 8-, 20- and 50-week averages, but 34% above its 200-week average.
FCFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $80.8 | $70.1 | -13% |
| 2021 | $70.1 | $69.9 | -0.2% |
| 2022 | $69.9 | $87.9 | +26% |
| 2023 | $87.9 | $108.4 | +23% |
| 2024 | $108.4 | $103.1 | -4.9% |
| 2025 | $103.1 | $161.0 | +56% |
| 2026 YTD | $161.0 | $181.7 | +13% |
FCFS has finished lower in three of the last six years. It's up 13% so far in 2026.