FirstCash Stock Analysis

FCFS Stock

USD 190.55 -5.78 -2.94%

FirstCash is currently estimated as undervalued with a Real Value of $213.04 and a Target Price of $206.0. The stock analysis framework begins with intrinsic value estimation. Intrinsic value for FirstCash captures what the business may be worth on its own terms. Fundamental data and technical patterns are both inputs to the stock analysis view.

FirstCash holds a debt-to-equity ratio of 0.879. Short and Long Term Debt Total is currently at 2.96 Billion, reflecting a change of 4.76%. A year ago, FirstCash reported Short and Long Term Debt Total at 2.82 Billion. As of March 25, 2026, Net Debt is estimated to increase to approximately 2.8 B, while Net Debt To EBITDA is moving lower toward 2.16. Debt accumulation may heighten FirstCash's financial risk profile over time. Rising interest costs can reduce earnings available to shareholders.

Asset vs Debt

Equity vs Debt

Based on recent performance metrics, PB Ratio is expected to edge lower. Trailing twelve-month data shows PB Ratio at 3.15. As of March 25, 2026, EV To Sales is estimated to increase to 3.33, while Days Sales Outstanding is moving lower toward 65.57.

Price Book

3.7119

Enterprise Value Ebitda

10.897

Price Sales

2.3341

Shares Float

38.8 M

Dividend Share

1.6

FirstCash posted a decline of $59.5 million in Net Income, $330.4 million in Net Income, and $306.1 million in Net Income Applicable To Common Shares for the reported period.

You may consult Gross Profit as well as Total Revenue.

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Stock Analysis Notes

About 91.0% of the company shares are owned by institutional investors. The book value of FirstCash was currently reported as 51.77. The company has Price/Earnings To Growth (PEG) ratio of 1.17. FirstCash recorded earnings per share (EPS) of 7.42. The company had its last dividend issued on the 18th of February 2026. The firm completed a 2:1 stock split on 22nd of February 2006. FirstCash posted $0.30 in Intangibles To Total Assets, $5.3 billion in Total Assets, and a Return On Assets of 6.1% for the reported period.

Price To Sales Ratio

2.97

Based on recent performance metrics, Price To Sales Ratio is expected to edge lower. A year ago, FirstCash reported Price To Sales Ratio at 1.96.

Investor Insights and Alerts

	Over 91.0% of the company shares are owned by institutional investors
	On 27th of February 2026 FirstCash paid $ 0.42 per share dividend to its current shareholders
	Latest headline from news.google.com: Look Out Below As Major Support Breaks Archrock, ATT, First Cash In Focus - Investors Business Daily

Largest EPS Surprises

EPS surprise history helps explain abrupt moves in FirstCash's price behavior. A negative gap to consensus tends to pressure valuation, while a positive gap can support re-rating. For this stock, read EPS surprises with profitability quality and forward revisions.

Reported	Fiscal Date	Estimated EPS	Reported EPS	Surprise
2003-07-22	2003-06-30	0.09	0.1	0.01	11
2002-10-24	2002-09-30	0.08	0.09	0.01	12
2001-02-07	2000-12-31	0.06	0.07	0.01	16

View All Earnings Estimates

Environmental, Social, and Governance (ESG) Scores

ESG scores for FirstCash track environmental, social, and governance factors that can affect operations and valuation over time. These scores gain meaning when compared against peers facing similar regulatory and labor pressures.

Top Institutional Investors Holding FirstCash Stock

About 91.45% of FirstCash is held by institutions, with insiders at 11.84%. Current market capitalization is about 8.55 Billion. This helps separate index flows from active bets. The business currently sits in the Financial Services sector and the Financial Services industry. Volume spikes around index rebalance dates are worth monitoring given the high institutional share.

		Shares
T. Rowe Price Associates, Inc.	2025-09-30	857.1 K
Stephens Inv Mgmt Group Llc	2025-12-31	847.2 K
Sei Investments Co	2025-09-30	742.6 K
Boston Partners Global Investors, Inc	2025-12-31	599.7 K
Aqr Capital Management Llc	2025-12-31	555.9 K
Victory Capital Management Inc.	2025-12-31	548.2 K
Northern Trust Corp	2025-09-30	539.6 K
Westfield Capital Management Company, L.p.	2025-12-31	537.7 K
Capital Research Global Investors	2025-12-31	537 K
Blackrock Inc	2025-09-30	4.7 M
Vanguard Group Inc	2025-12-31	4 M

For a smaller-cap like FirstCash (8.55 Billion), benchmark pressure and redemption cycles can limit how institutional weight turns into price support. The business currently sits in the Financial Services sector and the Credit Services industry. Shares outstanding are near 44 M. Comparing institutional flows with insider activity and short interest builds a fuller picture for a smaller-cap like FirstCash.

Market Capitalization

At roughly 8.55 B, FirstCash belongs to the mid-cap segment of consumer finance companies. Additional sizing evidence includes about 43.98 M shares outstanding, a workforce of about 20,000 people, and enterprise value near 10.89 B.

Profitability

Profitability analysis for FirstCash focuses on how well revenue converts into operating income, net income, and free cash flow. This helps separate genuinely strong businesses from names that look cheap only because the market expects weak results. The company has Profit Margin (PM) of 9.0 %, which implies that the company retains a meaningful portion of each revenue dollar. This is above comparable company averages. Similarly, it shows Operating Margin (OM) of 17.0 %, which suggests solid operating execution resulting in $17.0 earned per $100 of revenue.

	Last Reported	End Of Year Estimate
Return On Tangible Assets	0.11	0.10
Return On Capital Employed	0.11	0.12
Return On Assets	0.06	0.06
Return On Equity	0.15	0.10

Management Efficiency

The company has return on total asset (ROA) of 7.33 % meaning that it earned $7.33 for every $100 held in assets. This is middle-of-the-road for the sector. Similarly, it shows a return on stockholder's equity (ROE) of 15.26 %, meaning that it produced $15.26 of profit per $100 invested by stockholders.

	Last Reported	End Of Year Estimate
Book Value Per Share	50.63	53.17
Tangible Book Value Per Share	0.49	0.47
Enterprise Value Over EBITDA	9.86	19.01
Price Book Value Ratio	3.15	3.64
Enterprise Value Multiple	9.86	19.01
Price Fair Value	3.15	3.64
Enterprise Value	3.4 B	3.5 B

When investors examine management execution at FirstCash, they are looking for evidence that strategy, financial discipline, and operating results are moving in the same direction. The practical question is whether leadership is improving the economics of the business in ways that can persist once the operating environment gets harder.

Operating Margin

0.173

Long Term Debt Total

762.6 M

Three Month Return

21.9744

Short Long Term Debt Total

3 B

Ten Year Return

331.87418

Technical Drivers

Market data as of the 25th of March shows FirstCash priced at 190.55 per share. Measured indicators report Coefficient Of Variation of 449.28, downside deviation of 1.3, and Mean Deviation of 1.09. The model examines historical data series to identify measurable trend characteristics. Technical levels are measured against peer distributions.

FirstCash Price Movement Analysis - Bollinger Bands

java.lang.NullPointerException: Cannot invoke "java.lang.Number.intValue()" because the return value of "sun.invoke.util.ValueConversions.primitiveConversion(sun.invoke.util.Wrapper, Object, boolean)" is null. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. FirstCash middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for FirstCash. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

Insider Trading Activities

Insider disclosures for FirstCash show how people closest to the business are behaving as market expectations change. The pattern is most useful when compared with earnings releases and guidance changes rather than treated alone.

		Howard Hambleton over a month ago Disposition of 4000 shares by Howard Hambleton of First Cash at 185.12 subject to Rule 16 b-3
		Rippel Douglas Richard over a year ago Disposition of 300000 shares by Rippel Douglas Richard of First Cash at 113.43 subject to Rule 16 b-3
		Orr R Douglas over a year ago Disposition of 2000 shares by Orr R Douglas of First Cash at 113.36 subject to Rule 16 b-3
		Raul Ramos over a year ago Acquisition by Raul Ramos of 2000 shares of First Cash subject to Rule 16 b-3
		Rippel Douglas Richard over a year ago Disposition of 18045 shares by Rippel Douglas Richard of First Cash at 109.44 subject to Rule 16 b-3
		Rick Wessel over a year ago Disposition of 24100 shares by Rick Wessel of First Cash subject to Rule 16 b-3
		Rick Wessel over a year ago Disposition of 24100 shares by Rick Wessel of First Cash subject to Rule 16 b-3
		Orr R Douglas over a year ago Disposition of 5093 shares by Orr R Douglas of First Cash subject to Rule 16 b-3
		Rippel Douglas Richard over a year ago Disposition of 7164 shares by Rippel Douglas Richard of First Cash at 115.55 subject to Rule 16 b-3
		Rippel Douglas Richard over a year ago Disposition of 17395 shares by Rippel Douglas Richard of First Cash at 118.73 subject to Rule 16 b-3
		Orr R Douglas over a year ago Disposition of 2000 shares by Orr R Douglas of First Cash at 105.68 subject to Rule 16 b-3
		Rippel Douglas Richard over a year ago Disposition of 21806 shares by Rippel Douglas Richard of First Cash at 115.84 subject to Rule 16 b-3

Outstanding Bonds

Corporate bonds issued by FirstCash matter because they shape interest expense, maturity risk, and the flexibility management has during tighter credit conditions. Current market capitalization is about 8.55 Billion. Bond investors and equity investors often care about the same cash flows, but they rank the risks differently.

	US33767BAA70 Corp Bond US33767BAA70	View
	US33767BAC37 Corp Bond US33767BAC37	View
	US33767BAD10 Corp Bond US33767BAD10	View
	MPLX LP 4125 Corp Bond US55336VAK61	View
	FIRSTCASH INC 4625 Corp Bond US33767DAB10	View
	MGM Resorts International Corp Bond US552953CD18	View

View All FirstCash Corporate Bonds

Predictive Daily Indicators

Intraday indicators for FirstCash suit investors who need a shorter decision cycle and tighter control over timing. Used carefully, they can improve execution without tempting investors to overtrade every small swing.

	Accumulation Distribution	0.0281
	Daily Balance Of Power	-1.05
	Rate Of Daily Change	0.97
	Day Median Price	193.3
	Day Typical Price	192.38
	Market Facilitation Index	5.5
	Price Action Indicator	-5.64
	Period Momentum Indicator	-5.78

Corporate Filings

8K	3rd of March 2026 Report filed with the SEC to announce major events that shareholders should know about	View Verify
F3	20th of February 2026 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock	View Verify
F4	18th of February 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities	View Verify
F4	17th of February 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities	View Verify
13A	12th of February 2026 An amended filing to the original Schedule 13G	View Verify
10K	9th of February 2026 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance	View Verify
F4	6th of February 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities	View Verify
13A	5th of February 2026 An amended filing to the original Schedule 13G	View Verify

Forecast Models

A forecast for FirstCash starts with historical data. Prices often signal trend and momentum shifts before fundamentals catch up. Financial data rarely stays stable for long, so the model is best used as a probability tool, not a price promise.

Financial Strength and Earnings Quality Indicators

FirstCash financial ratings play a critical role in determining how much FirstCash have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for FirstCash's borrowing costs.

Piotroski F Score

Healthy

View

Beneish M Score

-2.61

Unlikely Manipulator

View

Debt to Cash Allocation

Tracking debt and cash allocation over time can show when FirstCash is prioritizing expansion, refinancing, or capital return.

FirstCash currently holds $2.82 B in liabilities with Debt to Equity (D/E) ratio of 0.88, which is broadly in line with comparable companies. FirstCash has a current ratio of 3.03, suggesting that it is liquid enough and is able to pay its financial obligations when due. Note, when we think about FirstCash's use of debt, we should always consider it together with its cash and equity.

Total Assets Over Time

Assets Financed by Debt

The debt-to-assets ratio shows the degree to which FirstCash uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

FirstCash Debt Ratio

35.0

It appears slightly above 65% of FirstCash's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the FirstCash's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of FirstCash, which in turn will lower the firm's financial flexibility.

Corporate Bonds Issued

	US33767BAA70 US33767BAA70	View
	US33767BAC37 US33767BAC37	View
	US33767BAD10 US33767BAD10	View
	MPLX LP 4125 US55336VAK61	View
	FIRSTCASH INC 4625 US33767DAB10	View
	MGM Resorts International US552953CD18	View

FirstCash Short Long Term Debt Total

Short Long Term Debt Total

2.96 Billion

Short and Long Term Debt Total is currently at 2.96 Billion, reflecting a change of 4.76%. A year ago, FirstCash reported Short and Long Term Debt Total at 2.82 Billion.

Stock Analysis Methodology

As a mid-cap equity, FirstCash is scored on valuation, solvency, and operating efficiency. FirstCash operates in Consumer Finance within Financial Services in SAMPP Midcap 400. Financial distress probability is estimated at 5%, indicating low near-term solvency risk. FirstCash trades at P/E of 35.95, P/B of 3.71.

Data shown for FirstCash is aggregated from periodic company reporting and market reference feeds and normalized across reporting formats. Analyst projections are included when active coverage applies. Source publication timing can introduce delays.

This content is curated and reviewed by:

Rifka Kats - Member of Macroaxis Editorial Board

Last reviewed on March 22nd, 2026

Current FirstCash Analyst Rating Consensus

Target Price	Consensus	# of Analysts
206.0	Strong Buy	5	Odds

Historical and current analyst recommendations for FirstCash are aggregated from multiple sources. Analyst coverage depth for FirstCash influences the representativeness of the consensus. Wall Street analysts covering FirstCash typically update price targets and ratings quarterly. A rising consensus or cluster of upgrades for FirstCash often signals improving fundamental momentum.

FirstCash Analyst Advice Details