FCFS
Neutral signalScored 2026-09-09 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.
Research, not advice.
À propos
FirstCash Holdings, Inc
- Nom
- FirstCash Holdings, Inc
- Secteur
- Financial Services
- Industrie
- Financial - Credit Services
- Bourse
- NASDAQ
- Capitalisation
- $7.5B
- Employés
- 20,000
- PDG
- Rick L. Wessel
- Site web
- https://firstcash.com
- Marché
- EZPW
FirstCash Holdings, Inc., along with its affiliates, oversees a widespread network of retail pawn shops throughout the United States, Mexico, and other parts of Latin America. These establishments provide monetary loans against a diverse range of personal collateral, including jewelry, electronic devices, tools, home appliances, sporting goods, and musical instruments. They also sell merchandise obtained either from defaulted pawn agreements or through direct cash purchases from customers. Beyond its core pawn operations, the firm processes scrap jewelry and trades valuable commodities such as gold, silver, and diamonds on global markets. As of December 31, 2021, its extensive footprint included 1,081 outlets in the U.S. (including the District of Columbia), 1,656 in Mexico, 60 in Guatemala, 13 in El Salvador, and 15 in Colombia. The company was established in 1988 and maintains its principal executive offices in Fort Worth, Texas.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 3 750 titres (~829 500,00 $ US)
- Insiders
- GRAVES JAMES H
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$2,619,281
Avg sell (VWAP, 90d window) $216.51 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$1,789,781 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-09-03
- Last synced
-
2026-09-09 09:58:02
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-03 | GRAVES JAMES H | Sell · S | 3,750 | $221.20 | $829,500 | Form 4 |
| 2026-08-18 | Hambleton Howard F | Sell · S · 10b5-1 | 2,000 | $212.98 | $425,960 | Form 4 |
| 2026-08-17 | ORR R DOUGLAS | Sell · S · 10b5-1 | 1,000 | $215.98 | $215,980 | Form 4 |
| 2026-08-17 | Stuart Thomas Brent | Sell · S · 10b5-1 | 5,348 | $214.63 | $1,147,841 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2026-06-18 | Michael T. McCaul | Sale | $1,001 - $15,000 |
| 2025-11-26 | Michael T. McCaul | Sale | $15,001 - $50,000 |
| 2024-10-30 | Michael T. McCaul | Purchase | $15,001 - $50,000 |
| 2024-08-26 | Michael T. McCaul | Sale | $1,001 - $15,000 |
| 2023-11-01 | Michael T. McCaul | Purchase | $15,001 - $50,000 |
| 2023-11-01 | Michael T. McCaul | Purchase | $15,001 - $50,000 |
| 2023-10-05 | Michael T. McCaul | Sale | $15,001 - $50,000 |
| 2023-10-05 | Michael T. McCaul | Sale | $15,001 - $50,000 |
| 2022-12-14 | Michael T. McCaul | Sale | $1,001 - $15,000 |
| 2022-11-04 | Michael T. McCaul | Sale | $15,001 - $50,000 |
| 2022-11-04 | Michael T. McCaul | Sale | $15,001 - $50,000 |
| 2022-05-05 | Michael T. McCaul | Sale | $1,001 - $15,000 |
| 2022-05-05 | Michael T. McCaul | Sale | $1,001 - $15,000 |
| 2022-02-15 | Michael T. McCaul | Purchase | $1,001 - $15,000 |
| 2022-02-15 | Michael T. McCaul | Purchase | $1,001 - $15,000 |
| 2022-01-28 | Michael T. McCaul | Sale | $1,001 - $15,000 |
| 2022-01-28 | Michael T. McCaul | Sale | $1,001 - $15,000 |
| 2021-12-14 | Michael T. McCaul | Sale | $1,001 - $15,000 |
| 2021-02-02 | Michael T. McCaul | Purchase | $1,001 - $15,000 |
| 2021-02-02 | Michael T. McCaul | Purchase | $1,001 - $15,000 |
| 2020-11-18 | Michael T. McCaul | Purchase | $1,001 - $15,000 |
| 2020-11-18 | Michael T. McCaul | Purchase | $1,001 - $15,000 |
| 2018-05-10 | Greg Gianforte | Sale (Full) | $100,001 - $250,000 |
Signal
Neutral signalScored 2026-09-09 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.
FCFS shows genuinely solid financial health with strong liquidity (current ratio 4.55) and consistent margin improvement, supported by a credit facility upsizing and a Zacks Buy upgrade — but the event-driven picture is…
The first sentence of the analysis written for FCFS on 2026-09-09 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. Purchase disclosures on file are thin
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Supports a bullish reading. Current ratio 4.55 · operating margin 15%
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 51.7% | 48.1% | 47.8% | 46.3% | 54.1% | |
| Ebit Margin | 15.5% | 13.2% | 12.2% | 14.5% | 11.7% | |
| Ebitda Margin | 27.3% | 29.1% | 28.8% | 31.2% | 15.2% | |
| Operating Profit Margin | 15.4% | 13.3% | 12.4% | 10.4% | 11.6% | |
| Pretax Profit Margin | 12.2% | 10.1% | 9.3% | 11.9% | 9.8% | |
| Continuous Operations Profit Margin | 9.0% | 7.6% | 7.0% | 9.3% | 7.4% | |
| Net Profit Margin | 9.0% | 7.6% | 7.0% | 9.3% | 7.4% | |
| Bottom Line Profit Margin | 9.0% | 7.6% | 7.0% | 9.3% | 7.4% | |
| Current Ratio | 4.552 | 4.136 | 3.893 | 3.826 | 2.879 | |
| Quick Ratio | 3.358 | 3.150 | 2.963 | 2.850 | 2.208 | |
| Solvency Ratio | 0.252 | 0.329 | 0.323 | 0.351 | 0.091 | |
| Cash Ratio | 0.307 | 0.516 | 0.378 | 0.397 | 0.306 | |
| Price To Earnings Ratio | 21.480 | 17.986 | 22.488 | 16.184 | 24.528 | |
| Price To Earnings Growth Ratio | 0.745 | 0.922 | -2.196 | 0.213 | 1.313 | |
| Forward Price To Earnings Growth Ratio | 0.745 | 0.922 | -2.196 | 0.213 | 1.313 | |
| Price To Earnings Diluted Ratio | 21.480 | 18.080 | 22.581 | 16.215 | 24.609 | |
| Price To Earnings Diluted Growth Ratio | 0.728 | 0.933 | -2.161 | 0.212 | 1.312 | |
| Price To Book Ratio | 3.117 | 2.268 | 2.449 | 2.183 | 1.695 | |
| Price To Sales Ratio | 1.938 | 1.375 | 1.551 | 1.504 | 1.804 | |
| Price To Free Cash Flow Ratio | 13.364 | 9.875 | 13.734 | 9.461 | 16.909 | |
| Price To Operating Cash Flow Ratio | 12.111 | 8.627 | 11.749 | 8.743 | 13.727 | |
| Debt To Assets Ratio | 0.532 | 0.458 | 0.448 | 0.428 | 0.414 | |
| Debt To Equity Ratio | 1.238 | 0.998 | 0.963 | 0.889 | 0.878 | |
| Debt To Capital Ratio | 0.553 | 0.499 | 0.491 | 0.471 | 0.467 | |
| Long Term Debt To Capital Ratio | 0.519 | 0.457 | 0.446 | 0.422 | 0.417 | |
| Financial Leverage Ratio | 2.328 | 2.179 | 2.149 | 2.077 | 2.122 | |
| Working Capital Turnover Ratio | 2.914 | 3.330 | 3.490 | 3.471 | 2.941 | |
| Operating Cash Flow Ratio | 1.437 | 1.591 | 1.240 | 1.588 | 0.569 | |
| Operating Cash Flow Sales Ratio | 0.160 | 0.159 | 0.132 | 0.172 | 0.131 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.906 | 0.874 | 0.855 | 0.924 | 0.812 | |
| Debt Service Coverage Ratio | 3.795 | 8.575 | 8.935 | 11.053 | 6.670 | |
| Interest Coverage Ratio | 4.635 | 4.280 | 4.178 | 4.015 | 6.088 | |
| Short Term Operating Cash Flow Coverage Ratio | 5.265 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.208 | 0.263 | 0.216 | 0.281 | 0.141 | |
| Capital Expenditure Coverage Ratio | 10.672 | 7.912 | 6.919 | 13.188 | 5.314 | |
| Dividend Paid And Capex Coverage Ratio | 4.658 | 4.029 | 3.410 | 4.932 | 2.493 | |
| Dividend Payout Ratio | 0.215 | 0.254 | 0.282 | 0.235 | 0.381 | |
| Enterprise Value Multiple | 9.791 | 6.624 | 7.373 | 6.642 | 17.592 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 51.7% | ▲3.6% | ▲2.1% |
| Ebit Margin | 15.5% | ▲2.3% | ▲2.1% |
| Ebitda Margin | 27.3% | ▼-1.8% | ▲1.0% |
| Operating Profit Margin | 15.4% | ▲2.1% | ▲2.8% |
| Pretax Profit Margin | 12.2% | ▲2.1% | ▲1.6% |
| Continuous Operations Profit Margin | 9.0% | ▲1.4% | ▲1.0% |
| Net Profit Margin | 9.0% | ▲1.4% | ▲1.0% |
| Bottom Line Profit Margin | 9.0% | ▲1.4% | ▲1.0% |
| Current Ratio | 4.552 | ▲0.416 | ▲0.695 |
| Quick Ratio | 3.357 | ▲0.207 | ▲0.452 |
| Solvency Ratio | 0.252 | ▼-0.077 | ▼-0.017 |
| Cash Ratio | 0.307 | ▼-0.209 | ▼-0.074 |
| Price To Earnings Ratio | 21.480 | ▲3.494 | ▲0.947 |
| Price To Earnings Growth Ratio | 0.745 | ▼-0.177 | ▲0.546 |
| Forward Price To Earnings Growth Ratio | 0.745 | ▼-0.177 | ▲0.546 |
| Price To Earnings Diluted Ratio | 21.480 | ▲3.400 | ▲0.887 |
| Price To Earnings Diluted Growth Ratio | 0.728 | ▼-0.205 | ▲0.523 |
| Price To Book Ratio | 3.117 | ▲0.849 | ▲0.775 |
| Price To Sales Ratio | 1.938 | ▲0.564 | ▲0.304 |
| Price To Free Cash Flow Ratio | 13.364 | ▲3.488 | ▲0.695 |
| Price To Operating Cash Flow Ratio | 12.111 | ▲3.484 | ▲1.120 |
| Debt To Assets Ratio | 0.531 | ▲0.074 | ▲0.076 |
| Debt To Equity Ratio | 1.238 | ▲0.240 | ▲0.244 |
| Debt To Capital Ratio | 0.553 | ▲0.054 | ▲0.057 |
| Long Term Debt To Capital Ratio | 0.519 | ▲0.062 | ▲0.067 |
| Financial Leverage Ratio | 2.328 | ▲0.149 | ▲0.157 |
| Working Capital Turnover Ratio | 2.914 | ▼-0.416 | ▼-0.316 |
| Operating Cash Flow Ratio | 1.437 | ▼-0.154 | ▲0.152 |
| Operating Cash Flow Sales Ratio | 0.160 | ▲0.001 | ▲0.009 |
| Free Cash Flow Operating Cash Flow Ratio | 0.906 | ▲0.033 | ▲0.032 |
| Debt Service Coverage Ratio | 3.795 | ▼-4.780 | ▼-4.011 |
| Interest Coverage Ratio | 4.635 | ▲0.355 | ▼-0.004 |
| Short Term Operating Cash Flow Coverage Ratio | 5.265 | ▲5.265 | ▲4.212 |
| Operating Cash Flow Coverage Ratio | 0.208 | ▼-0.055 | ▼-0.014 |
| Capital Expenditure Coverage Ratio | 10.672 | ▲2.760 | ▲1.871 |
| Dividend Paid And Capex Coverage Ratio | 4.658 | ▲0.629 | ▲0.754 |
| Dividend Payout Ratio | 0.214 | ▼-0.040 | ▼-0.059 |
| Enterprise Value Multiple | 9.791 | ▲3.167 | ▲0.187 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $7.10B | $4.66B | $4.89B | $4.10B | $3.07B | |
| Enterprise value | $9.79B | $6.53B | $6.69B | $5.66B | $4.53B | |
| EV / Sales | 2.67x | 1.93x | 2.12x | 2.07x | 2.67x | |
| EV / Op. cash flow | 16.71x | 12.10x | 16.07x | 12.05x | 20.30x | |
| EV / Free cash flow | 18.43x | 13.85x | 18.78x | 13.04x | 25.00x | |
| EV / EBITDA | 9.79x | 6.62x | 7.37x | 6.64x | 17.59x | |
| Net debt / EBITDA | 2.69x | 1.90x | 1.98x | 1.82x | 5.69x | |
| Current ratio | 4.55x | 4.14x | 3.89x | 3.83x | 2.88x | |
| Income quality | 1.77x | 2.09x | 1.90x | 1.85x | 1.79x | |
| Graham number | $92 | $77 | $70 | $69 | $55 | |
| Graham net-net | -$41 | -$34 | -$34 | -$29 | -$33 | |
| Tax burden | 73.8% | 75.5% | 74.9% | 78.3% | 75.0% | |
| Interest burden | 78.7% | 76.5% | 75.8% | 82.1% | 83.7% | |
| Working capital | $1.45B | $1.06B | $971.0M | $835.1M | $737.2M | |
| Invested capital | $4.88B | $4.12B | $3.94B | $3.59B | $3.43B | |
| Return on assets | 6.2% | 5.8% | 5.1% | 6.5% | 3.3% | |
| Operating ROA | 11.5% | 10.3% | 9.5% | 7.3% | 6.4% | |
| Return on tangible assets | 10.8% | 10.5% | 9.6% | 12.7% | 6.5% | |
| Return on equity | 14.5% | 12.6% | 11.0% | 13.5% | 6.9% | |
| Return on invested capital | 8.3% | 8.0% | 7.2% | 6.0% | 4.2% | |
| Return on capital employed | 11.5% | 10.9% | 9.9% | 7.9% | 5.7% | |
| Earnings yield | 4.7% | 5.6% | 4.5% | 6.2% | 4.1% | |
| Free cash flow yield | 7.5% | 10.1% | 7.3% | 10.6% | 5.9% | |
| Capex / Op. cash flow | 9.4% | 12.6% | 14.5% | 7.6% | 18.8% | |
| Capex / Depreciation | 12.7% | 12.7% | 11.6% | 7.8% | 71.5% | |
| Capex / Sales | 1.5% | 2.0% | 1.9% | 1.3% | 2.5% | |
| SG&A / Sales | 31.9% | 5.1% | 5.6% | 5.4% | 6.5% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.6% | 0.4% | 0.4% | 0.4% | 0.3% | |
| Intangibles / Total assets | 42.5% | 45.0% | 46.7% | 49.0% | 50.2% | |
| Days sales outstanding | 109d | 80d | 76d | 74d | 126d | |
| Days payables outstanding | 5d | 6d | 6d | 7d | 11d | |
| Operating cycle | 210d | 149d | 145d | 146d | 249d | |
| Cash conversion cycle | 204d | 143d | 140d | 139d | 238d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-08-31 FirstCash Upsizes and Extends Term of Unsecured Bank Credit Facility; Size of Committed Facility Increased from $700 Million to $1.1 Billion; Maturity Date Extended to August 2031 FORT WORTH, Texas, Aug. 31, 2026 (GLOBE NEWSWIRE) -- FirstCash Holdings, Inc. (“FirstCash” or the “Company”) (Nasdaq: FCFS), the leading international operator of more than 3,300 retail pawn stores, today announced that it has amended the terms of its long-term, unsecured bank credit agreement to increase the size of the facility, extend its maturity date and enhance other key features, all to further support FirstCash''s long-term global growth strategy.
- 2026-08-28 FirstCash (FCFS) Upgraded to Buy: Here''s Why FirstCash (FCFS) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
- 2026-08-24 Deutsche Bank AG Buys New Shares in FirstCash Holdings, Inc. $FCFS Deutsche Bank AG acquired a new position in shares of FirstCash Holdings, Inc. (NASDAQ: FCFS) during the undefined quarter, according to its most recent filing with the SEC. The institutional investor acquired 44,671 shares of the company''s stock, valued at approximately $9,663,000. Deutsche Bank AG owned 0.10% of FirstCash at the end of
- 2026-08-22 BlackRock Inc. Acquires New Holdings in FirstCash Holdings, Inc. $FCFS BlackRock Inc. bought a new position in FirstCash Holdings, Inc. (NASDAQ: FCFS) in the undefined quarter, according to its most recent 13F filing with the Securities and Exchange Commission. The fund bought 5,031,570 shares of the company''s stock, valued at approximately $1,088,429,000. BlackRock Inc. owned about 11.60% of FirstCash as of its most
- 2026-08-22 Our FirstCash Holdings Stock Pick is up 61%. We Still Like the Growth Story. The company has benefited from consumer conditions. Its expansion plans are on pace.
- 2026-08-21 FirstCash (NASDAQ:FCFS) and SLM (NASDAQ:SLMBP) Financial Analysis FirstCash (NASDAQ: FCFS - Get Free Report) and SLM (NASDAQ: SLMBP - Get Free Report) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, dividends, profitability, risk, institutional ownership and earnings. Analyst Ratings This is a summary of current recommendations and
- 2026-08-18 FirstCash Holdings, Inc. $FCFS Stake Lowered by Empowered Funds LLC Empowered Funds LLC decreased its stake in FirstCash Holdings, Inc. (NASDAQ: FCFS) by 76.5% during the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The fund owned 3,795 shares of the company''s stock after selling 12,372 shares during the period. Empowered Funds LLC''s
- 2026-08-14 FirstCash Leveraging A Near-Perfect Storm Into Exceptional Growth FirstCash Holdings continues to deliver strong double-digit core growth in U.S. and Latin American pawn operations, supported by robust market demand. Management has consistently raised guidance, with Q2 revenue up 29% and EBITDA up 39%, while maintaining strong margins across key geographies. Despite ongoing struggles in the AFF business, FCFS is expanding its UK presence with the Ramsdens acquisition at under 8x EBITDA, targeting scale and efficiency.
- 2026-08-10 Here Are Monday’s Top Wall Street Analyst Research Calls: Akamai Technologies, Apple, Dicks Sporting Goods, Domino’s Pizza, Doximity, NetApp, SanDisk, Trade Desk, and More Apple just got slapped with an Underperform rating while Trade Desk faces a brutal price target, but some names on Monday''s analyst radar are picking up surprise upgrades that could shift the conversation entirely.
- 2026-08-05 Cetera Investment Advisers Purchases 6,631 Shares of FirstCash Holdings, Inc. $FCFS Cetera Investment Advisers lifted its position in shares of FirstCash Holdings, Inc. (NASDAQ: FCFS) by 39.0% in the undefined quarter, according to its most recent 13F filing with the SEC. The firm owned 23,621 shares of the company''s stock after acquiring an additional 6,631 shares during the quarter. Cetera Investment Advisers owned approximately