FirstCash (FCFS) Stock Price, News & Analysis

Company Overview

FirstCash, Inc. is a leading operator of pawn stores and provider of consumer financial services in the United States and Latin America. The company offers collateral-based loans, retail sales of merchandise, and digital lending products. Through its network of more than 2,600 locations, FirstCash extends short-term, same-day pawn and non-pawn loans secured by consumer assets such as electronics, jewelry, power tools and musical instruments. In addition to in-store transactions, the company operates an e-commerce platform that enables customers to buy and sell pre-owned goods online.

Founded in 1983 and headquartered in Fort Worth, Texas, FirstCash has grown organically and through strategic acquisitions to become one of the largest global pawn operators. A pivotal moment in the company’s history came in 2016 with the merger of First Cash Financial Services and Cash America International, a union that broadened FirstCash’s geographic footprint and diversified its service offerings. Today, the company serves communities in more than 20 U.S. states and seven Latin American countries, including Mexico, Guatemala and Costa Rica.

FirstCash’s business model combines traditional pawnbroking with merchandise retail and consumer finance solutions. Customers who choose pawn loans pledge an item as collateral and can reclaim it upon repayment of principal plus fees. For those seeking to unlock longer-term value, FirstCash purchases merchandise outright for resale at competitive prices. The company’s retail inventory spans categories such as consumer electronics, designer jewelry, household appliances and musical instruments.

Under the leadership of President and Chief Executive Officer James Shadis, FirstCash continues to invest in technology, compliance and customer service enhancements. Its senior management team focuses on optimizing store operations, expanding digital channels and maintaining strict risk management and regulatory standards. This integrated approach aims to balance community-oriented financial access with disciplined growth across diverse markets.

Key Stats

• Today's Range: $132.80 to $135.61
• 50-Day Range: $124.07 to $137.63
• 52-Week Range: $100.24 to $138.42
• Volume: 39,924 shs
• Average Volume: 296,156 shs
• Market Capitalization: $5.94 billion
• P/E Ratio: 21.42
• Dividend Yield: 1.14%
• Price Target: $133.50
• Consensus Rating: Buy

FirstCash Stock Analysis - MarketRank™

FirstCash scored higher than 88% of companies evaluated by MarketBeat, and ranked 30th out of 303 stocks in the business services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.5 / 5
• Analyst Rating: Buy

Consensus Rating

FirstCash has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 2 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

FirstCash has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 16.75%

Earnings Growth

Earnings for FirstCash are expected to grow by 16.75% in the coming year, from $7.70 to $8.99 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of FirstCash is 21.39, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.82.

Price to Earnings Ratio vs. Sector

The P/E ratio of FirstCash is 21.39, which means that it is trading at a less expensive P/E ratio than the Business Services sector average P/E ratio of about 28.90.

Price to Book Value per Share Ratio

FirstCash has a P/B Ratio of 2.91. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.45% of the float of FirstCash has been sold short.

Short Interest Ratio / Days to Cover

FirstCash has a short interest ratio ("days to cover") of 1.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in FirstCash has recently increased by 19.33%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

FirstCash pays a meaningful dividend of 1.12%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

FirstCash has been increasing its dividend for 8 years.

Dividend Coverage

The dividend payout ratio of FirstCash is 24.32%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, FirstCash will have a dividend payout ratio of 16.91% next year. This indicates that FirstCash will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.1 / 5
• Environmental Score: -1.48

Percentage of Shares Shorted

1.45% of the float of FirstCash has been sold short.

Short Interest Ratio / Days to Cover

FirstCash has a short interest ratio ("days to cover") of 1.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in FirstCash has recently increased by 19.33%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: N/A

News Sentiment

FirstCash has a news sentiment score of 1.14. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.62 average news sentiment score of Business Services companies.

News Coverage This Week

MarketBeat has tracked 1 news article for FirstCash this week, compared to 5 articles on an average week.

Search Interest

Only 1 people have searched for FCFS on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, FirstCash insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $510,627.00 in company stock.

Percentage Held by Insiders

Only 2.93% of the stock of FirstCash is held by insiders.

Percentage Held by Institutions

80.30% of the stock of FirstCash is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

FCFS Stock Analysis - Frequently Asked Questions

How have FCFS shares performed this year?

FirstCash's stock was trading at $103.60 on January 1st, 2025. Since then, FCFS shares have increased by 29.0% and is now trading at $133.69.

How were FirstCash's earnings last quarter?

FirstCash Holdings, Inc. (NASDAQ:FCFS) released its quarterly earnings data on Thursday, April, 24th. The company reported $2.07 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $1.75 by $0.32. FirstCash's revenue was up .0% compared to the same quarter last year.

Who are FirstCash's major shareholders?

FirstCash's top institutional shareholders include Livforsakringsbolaget Skandia Omsesidigt (0.57%) and Financiere des Professionnels Fonds d investissement inc.. Insiders that own company stock include Douglas Richard Rippel, R Douglas Orr, Howard F Hambleton, Raul Ramos and James H Graves.
View institutional ownership trends.

How do I buy shares of FirstCash?

Shares of FCFS stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of FirstCash own?

Based on aggregate information from My MarketBeat watchlists, some other companies that FirstCash investors own include Humana (HUM), American Water Works (AWK), Waste Connections (WCN), Voyager Therapeutics (VYGR), TotalEnergies (TTE), The RMR Group (RMR) and Southern First Bancshares (SFST).

Company Calendar

• Last Earnings: 4/24/2025
• Record date for 5/30 Dividend: 5/15/2025
• Ex-Dividend for 5/30 Dividend: 5/15/2025
• Dividend Payable: 5/30/2025
• Today: 7/10/2025
• Next Earnings (Estimated): 7/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Business Services
• Industry: Financial Transaction Services
• Sub-Industry: Retail
• Current Symbol: NASDAQ:FCFS
• CIK: 840489
• Web: www.firstcash.com
• Phone: (817) 335-1100
• Fax: 817-461-7019
• Employees: 20,000
• Year Founded: N/A

Price Target and Rating

• Average Price Target for FirstCash: $133.50
• High Price Target: $137.00
• Low Price Target: $130.00
• Potential Upside/Downside: -0.3%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $6.25
• Trailing P/E Ratio: 21.42
• Forward P/E Ratio: 17.38
• P/E Growth: N/A
• Net Income: $258.82 million
• Net Margins: 8.29%
• Pretax Margin: 10.98%
• Return on Equity: 16.08%
• Return on Assets: 7.38%

Debt

• Debt-to-Equity Ratio: 0.83
• Current Ratio: 4.39
• Quick Ratio: 3.28

Sales & Book Value

• Annual Sales: $3.39 billion
• Price / Sales: 1.75
• Cash Flow: $18.01 per share
• Price / Cash Flow: 7.43
• Book Value: $45.89 per share
• Price / Book: 2.92

Miscellaneous

• Outstanding Shares: 44,365,000
• Free Float: 43,065,000
• Market Cap: $5.94 billion
• Optionable: Optionable
• Beta: 0.62