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FirstCash

NSQ:FCFS · US33768G1076
Consumer FinanceLarge

360

47
Medium confidence — indicative
EV / EBIT41
Price / Owner Earnings13
Owner Earnings Yield47
Dividend Yield59
Price/Sales31
EV / Gross Profit61
Price/Book13
Returns on capital87
Profit margins33
Cash Conversion75
Accruals18
Owner Earnings Margin29
Sales growth77
Profit Growth67
Long-Term EPS Growth25
Owner Earnings Growth69
Reinvestment93
Price momentum94
Debt load72
Debt serviceability19
Liquidity63
Analyst ratings76
Opinion Changes50
Price Target Upside20
Market mood91
Value Creation16/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

FirstCash generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryUSA
IndustryConsumer Finance
SizeLarge
TypePublic Company
ExchangeNASDAQGS
Founded1988
Employees897
Websiteir.firstcash.com
ISINUS33768G1076
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)S&P MIDCAP (USA)
Themes
Online PaymentsConsumer LendingFinancial Services

Description

FirstCash Holdings, Inc., along with its wholly owned subsidiaries, operates pawn stores in the U.S., Latin America, and the U.K. The company’s primary line of business is the operation of retail pawn stores, also known as pawnshops. The company als…

Analysis

Middle-of-the-road

FirstCash Holdings, Inc. is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.

The price is fair. You pay 23.3× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone.

The trajectory is solid and the balance sheet is adequate. The company scores 16/20 on our value-creation score: strong value creator.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
70
2023202420252026

All-time high

93

May 2025

All-time low

49

Feb 2026

Average rank

72

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
31
31
27
38
Price/Earnings
12
50
42
31
Price/Book
13
41
31
62
Dividend Yield
59
72
76
76
Value (overall)
18
30
38
71

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →