Stocks · Financial Services · Financial - Credit Services
FirstCash Holdings, Inc FCFS
$210.36 +1.06% Close, Oct 2, 2026 · NASDAQ · Market cap $9.12B
Strong growth
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 14 quarters (average surprise over the last four: +10.1%).
- The stock is in an uptrend: above its 200-day average for 401 trading days, with the 50-day average above the 200-day.
- Diluted EPS over the last four quarters was $8.76, up 34.6% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth80Strong
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 21%
- EPS growth (TTM, YoY)Top 32%
- FCF growth (TTM, YoY)Bottom 50%
- Revenue growth, 3-year CAGRBottom 31%
- Revenue growth accelerationTop 14%
Quality73Positive
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 15%
- Gross marginBottom 21%
- Operating marginBottom 37%
- Cash conversion (OCF / net income)Top 24%
- Accruals (lower is better)Top 15%
- Net debt / EBITDA (lower is better)Bottom 41%
- Interest coverTop 20%
Value53Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 37%
- Free-cash-flow yieldBottom 42%
- EBITDA / enterprise valueTop 29%
- Sales / enterprise valueTop 42%
- P/E vs own 5-year history (lower is better)Bottom 41%
Momentum68Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 10%
- 6-month returnBottom 50%
- 1-year return vs S&P 500Top 13%
- Distance from 52-week highBottom 44%
- Trend checklist (0–4)Top 48%
Revisions91Exceptional
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 27%
- Consecutive EPS beatsTop 2%
- Share of analysts rating BuyTop 43%
- Upside to consensus price targetTop 35%
Stability52Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 17%
- Maximum drawdown, 3 yearsTop 34%
- Beta vs S&P 500 (lower is better)Top 19%
- Net debt / EBITDA (lower is better)Bottom 41%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 14.4% | 21.6% | ↑ |
| EPS growth (YoY) | 27.7% | 34.6% | ↑ |
| Gross margin | 51.0% | 48.9% | ↓ |
| Operating margin | 14.5% | 16.1% | ↑ |
| FCF margin | 14.9% | 14.5% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 21.6% | 14.4% | ↑ | Top 21% |
| EPS growth (TTM, YoY) | 34.6% | 27.7% | ↑ | Top 32% |
| Gross margin | 48.9% | 51.0% | ↓ | Bottom 21% |
| Operating margin | 16.1% | 14.5% | ↑ | Bottom 37% |
| Net margin | 9.4% | 8.6% | ↑ | — |
| Free-cash-flow margin | 14.5% | 14.9% | ↓ | — |
| Return on invested capital | 9.4% | — | Top 15% | |
| Revenue growth, 3-year CAGR | 10.3% | — | Bottom 31% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.73×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -5.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +8.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.15×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 4.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.81%
- Net buyback yield (TTM)
- 1.89%
- Shareholder yield
- 2.70%
- Share count change, 1 year
- -1.6%
- Share count change, 3-year CAGR
- -1.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 27, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 14
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +10.1%
- Average 2-day reaction, last 8
- +0.3%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $253.50
- Target vs current price
- +20.5%
- Analysts with a rating
- 19
- Share rating Buy or Strong Buy
- 53%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +4.6% | -5.4% | -3.1% | +1.6% | — |
| Apr 23, 2026 | +15.5% | +3.3% | +4.9% | +10.2% | +2.0% |
| Feb 5, 2026 | +3.9% | +3.3% | +6.1% | +8.8% | +27.9% |
| Oct 30, 2025 | +16.5% | +7.0% | +9.5% | +7.1% | +13.7% |
| Jul 24, 2025 | +7.8% | -8.4% | -2.5% | +4.2% | +18.7% |
| Apr 24, 2025 | +19.0% | +9.1% | +11.0% | +4.2% | +8.9% |
| Jan 30, 2025 | +5.0% | +0.4% | +1.7% | -0.9% | +17.9% |
| Oct 24, 2024 | +3.1% | -7.2% | -4.3% | -4.5% | +2.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $2.50 | $2.39 | +4.6% | $1.07B |
| Apr 23, 2026 | $2.69 | $2.33 | +15.5% | $1.05B |
| Feb 5, 2026 | $2.64 | $2.54 | +3.9% | $1.06B |
| Oct 30, 2025 | $2.26 | $1.94 | +16.5% | $935.6M |
| Jul 24, 2025 | $1.79 | $1.66 | +7.8% | $830.6M |
| Apr 24, 2025 | $2.07 | $1.74 | +19.0% | $836.4M |
| Jan 30, 2025 | $2.12 | $2.02 | +5.0% | $883.8M |
| Oct 24, 2024 | $1.67 | $1.62 | +3.1% | $837.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 24.0× | 22.5× | 67th | Bottom 37% |
| P/E (forward) | 18.6× | — | — | — |
| EV / EBITDA | 9.9× | — | — | Top 29% |
| EV / Sales | 2.83× | — | — | Top 42% |
| Free-cash-flow yield | 6.54% | — | — | Bottom 42% |
| Earnings yield | 4.16% | — | — | Bottom 37% |
P/E over the past five years
Range 16.4× – 29.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +38.5%
- Earnings per share growth (TTM)
- +34.6%
- Change in P/E multiple
- +27.9%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 401
- 50-day average slope (20 days)
- +0.7%
- 200-day average slope (20 days)
- +3.1%
- Distance from 50-day average
- -2.3%
- Distance from 200-day average
- +4.0%
- RSI (14)
- 41.9
- Relative volume
- 0.74×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 38.7%
- Volatility vs own 5-year history
- 87th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.19
- Correlation with S&P 500
- 0.12
- Current drawdown from 1-year high
- -11.0%
- Maximum drawdown, 3 years
- -24.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Oct 26, 2021 | Mar 8, 2022 | -36.2% | 91 days | 162 days (Oct 27, 2022) |
| Dec 15, 2020 | Jan 27, 2021 | -25.0% | 28 days | 70 days (May 7, 2021) |
| Apr 23, 2024 | Dec 18, 2024 | -24.1% | 166 days | 87 days (Apr 28, 2025) |
| May 11, 2026 | Jul 24, 2026 | -16.3% | 51 days | 21 days (Aug 24, 2026) |
| May 5, 2023 | Sep 8, 2023 | -15.9% | 86 days | 27 days (Oct 17, 2023) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $9.12B
- P/E (TTM)
- 24.0
- EPS, diluted (TTM)
- $8.76
- Revenue (TTM)
- $4.12B
- Dividend yield
- 0.80%
- 52-week range
- $146.08 – $238.93
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.70B | $2.73B | $3.15B | $3.39B | $3.66B |
| Gross profit | $919.2M | $1.26B | $1.51B | $1.63B | $1.89B |
| Operating income | $197.2M | $283.9M | $389.6M | $450.4M | $562.2M |
| Net income | $124.9M | $253.5M | $219.3M | $258.8M | $330.4M |
| EPS (diluted) | $3.04 | $5.36 | $4.80 | $5.73 | $7.42 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $837.3M | $883.8M | $836.4M | $830.6M | $935.6M | $1.06B | $1.05B | $1.07B |
| Net income | $64.8M | $83.5M | $83.6M | $59.8M | $82.8M | $104.2M | $107.7M | $93.5M |
| EPS (diluted) | $1.44 | $1.86 | $1.87 | $1.34 | $1.86 | $2.35 | $2.43 | $2.12 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $223.3M | $469.3M | $416.1M | $540.0M | $585.9M |
| Capital expenditure | -$42.0M | -$35.6M | -$60.1M | -$68.2M | -$54.9M |
| Free cash flow | $181.3M | $433.7M | $356.0M | $471.7M | $531.0M |
| Dividends paid | -$47.5M | -$59.6M | -$61.9M | -$65.8M | -$70.9M |
| Net share buybacks | -$49.6M | -$157.9M | -$114.4M | -$85.0M | -$115.8M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $172.3M
- Total assets
- $5.49B
- Total liabilities
- $3.16B
- Total debt
- $2.70B
- Net debt
- $2.53B
- Shareholders’ equity
- $2.32B
As of Jun 30, 2026 (filed Jul 27, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 14, 2026 | $0.42 | Aug 28, 2026 |
| May 15, 2026 | $0.42 | May 29, 2026 |
| Feb 18, 2026 | $0.42 | Feb 27, 2026 |
| Nov 14, 2025 | $0.42 | Nov 26, 2025 |
| Aug 15, 2025 | $0.42 | Aug 29, 2025 |
| May 15, 2025 | $0.38 | May 30, 2025 |
| Feb 14, 2025 | $0.38 | Feb 28, 2025 |
| Nov 15, 2024 | $0.38 | Nov 27, 2024 |
Short interest
- Shares sold short
- 2,437,304
- Days to cover
- 6.05
- Change vs previous report
- +9.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Feb 22, 2006
- 2-for-1
- Apr 6, 2004
- 3-for-2