FirstCash Inc (FCFS) Fair Value & Analysis
Financial Services · US · Market cap $9.4B · ISIN US33768G1076
What is FirstCash Inc really worth?
FirstCash Inc
FCFS · US
A solid business, but trading 129% above our fair value of $97.97.
Strengths
Risks
For context
Fair value as of: Sep 1, 2026
From 13 valuation models · updated 4 days ago
Share price +4.2% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case ($216.89). The favourable scenario is already priced in.
- The model range is unusually wide ($52.03 to $216.89). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- Solid but not exceptional quality (63/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 1, 2026.
How to read this chart
60‑month range $56.84 – $236.43 · fair‑value band $52.03 – $216.89 · the $223.92 price screens above the $97.97 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 1, 2026.
Analysis
FirstCash Inc (FCFS) currently trades at $223.92, while our model-based Fair Value estimate is $97.97, implying the stock looks roughly 128.6% overvalued today. The Quality Score stands at 63/100 (solid quality), in the Financial Services sector. Bull case: the Growth DCF group reads highest at a median of $187.36 per share, and 3 of the 13 models we run sit above the $223.92 price. Bear case: the Dividend Discount group reads lowest at $24.45, and 10 of the 13 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, FirstCash Inc generated revenue of $3.9B at a net margin of 9.2%. Revenue grew 25.7% year over year. It earns a return on equity of 16.3%. Net debt stands at $2.7B. Fundamentals as of Sep 1, 2026
Our scenario range runs from $52.03 (bear case) to $216.89 (bull case); at $223.92, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 5% below its 52-week high and 90% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −48% fair-value upside, at −56%, FCFS screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $4.24 per share, which is 4.3 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 13 models by family
Widest divergence: Growth DCF ($187.36) versus Dividend Discount ($24.45). Highest evidence: Growth DCF (73).
Notify me when FCFS reaches fair value
Put FCFS on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Free, no payment details. Unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 1, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 59 · Market factors (momentum, volatility) 76
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
FirstCash Holdings, Inc., together with its subsidiaries, operates retail pawn stores in the United States, Mexico, rest of Latin America, and the United Kingdom. The company operates through four segments: U.S. Pawn, Latin America Pawn, U.K. Pawn, and Retail POS Payment Solutions segments.
Full company description
FirstCash Holdings, Inc., together with its subsidiaries, operates retail pawn stores in the United States, Mexico, rest of Latin America, and the United Kingdom. The company operates through four segments: U.S. Pawn, Latin America Pawn, U.K. Pawn, and Retail POS Payment Solutions segments. Its pawn stores lend money on the collateral of pledged personal property, including jewelry, electronics, tools, appliances, sporting goods, and musical instruments; and retails merchandise acquired through collateral forfeitures and over-the-counter purchases from customers. The company also provides retail POS payment solutions, which focuses on LTO products and facilitating other retail financing payment options across the network of traditional and e-commerce merchant partners. It serves cash and credit-constrained consumers. The company was formerly known as FirstCash, Inc and changed its name to FirstCash Holdings, Inc. in December 2021. FirstCash Holdings, Inc. was incorporated in 1988 and is headquartered in Fort Worth, Texas.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
FirstCash Inc reported revenue of $3.7B in FY2025 versus $1.7B in FY2021, a compound +21.2%/yr. Reported net income was $330M in FY2025, compounding +27.5%/yr from FY2021.
of which total revenue +16.9 % · buybacks/dilution −4.1 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
FCFS screens 129% overvalued. Compare with Visa Inc →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- FirstCash Upsizes and Extends Term of Unsecured Bank Credit Facility; Size of Committed Facility Increased from $700 Million to $1.1 Billion
- FirstCash (FCFS) Upgraded to Buy: Here's Why
- Beat the Market Like Zacks: Amgen, FirstCash, Delek in Focus
- Our FirstCash Holdings Stock Pick is up 61%. We Still Like the Growth Story.
Peer Group
Credit Services · 324 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Credit Services median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 38/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Sep 1, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $379.66 | $198.27 | −48% |
| Mastercard Incorporated MA | $591.73 | $221.87 | −63% |
| American Express Company AXP | $334.16 | $206.40 | −38% |
| Capital One Financial Corporation COF | $215.67 | $117.51 | −46% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | −64% |
| PayPal Holdings PYPL | $61.47 | $77.12 | +25% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,134 | ₹553.82 | −51% |
| Synchrony Financial, SYF | $78.05 | $137.28 | +76% |
| SoFi Technologies, Inc SOFI | $18.06 | $5.02 | −72% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | −57% |
Compare FirstCash Inc with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is FirstCash Inc (FCFS) overvalued or undervalued?
What is the fair value of FCFS?
What is the quality score of FCFS?
What is the revenue of FirstCash Inc (FCFS)?
What is the net profit margin of FCFS?
Does FirstCash Inc pay a dividend?
Watch FirstCash Inc in the live analysis
One click puts FirstCash Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.