A Business at a Glance
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FirstCash Holdings, Inc., along with its wholly owned subsidiaries (together, “FirstCash” or the “Company”), is the leading operator of pawn stores in the U.S., Latin America and the U.K. FirstCash’s primary line of business is the operation of retail pawn stores, also known as “pawnshops.” The Company also operates a retail POS payment solutions business. The Company’s two business lines are organized into four reportable segments: •The U.S. pawn segment consists of pawn operations in 29 U.S. states and the District of Columbia •The Latin America pawn segment consists of pawn operations in Mexico, Guatemala, El Salvador and Colombia •The U.K. pawn segment consists of pawn operations in England, Scotland and Wales •The retail POS payment solutions segment consists of the operations of American First Finance, LLC (“AFF”), which offers products in the U.S.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 3.7B | 3.7B | 3.4B | 3.2B | 2.7B | 1.7B |
| Net Income | 330M | 330M | 259M | 219M | 253M | 125M |
| EPS | $7.42 | $7.42 | $5.73 | $4.80 | $5.36 | $3.04 |
| Free Cash Flow | 531M | 531M | 472M | 356M | 434M | 181M |
| ROIC | 8.0% | 9.2% | 8.3% | 7.4% | 8.8% | 5.4% |
| Gross Margin | 50.3% | 50.3% | 48.1% | 47.8% | 46.3% | 54.1% |
| Debt/Equity | 1.37 | 1.37 | 1.09 | 1.25 | 1.07 | 1.02 |
| Dividends/Share | $1.59 | $1.60 | $1.46 | $1.36 | $1.26 | $1.17 |
| Operating Income | 569M | 569M | 448M | 386M | 394M | 199M |
| Operating Margin | 15.5% | 15.5% | 13.2% | 12.2% | 14.5% | 11.7% |
| ROE | 14.5% | 15.3% | 12.8% | 11.3% | 13.7% | 8.1% |
| Shares Outstanding | 45M | 45M | 45M | 46M | 47M | 41M |
FirstCash Holdings, Inc. passes 5 of 9 quality checks, suggesting mixed fundamentals.
FirstCash Holdings, Inc. trades at 27.6x trailing earnings, compared to its 15-year median P/E of 20.9x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 17.1x vs a median of 14.4x. The company's 5-year average ROIC is 7.8% with a gross margin of 49.3%. Total shareholder yield (dividends + buybacks) is 2.1%. At current prices, the estimated annualized return to fair value is +17.2%.
FirstCash Holdings, Inc. (FCFS) has a current P/E ratio of 27.6, compared to its historical median P/E of 20.9. The stock is currently considered Expensive based on its historical valuation range.
FirstCash Holdings, Inc. (FCFS) has a 5-year average return on invested capital (ROIC) of 7.8%. This is below average and may indicate limited pricing power.
FirstCash Holdings, Inc. (FCFS) has a market capitalization of $9.1B. It is classified as a mid-cap stock.
Yes, FirstCash Holdings, Inc. (FCFS) pays a dividend with a trailing twelve-month yield of 0.78%. The company also returns capital through share buybacks, with a buyback yield of 1.27%.
Based on historical P/E analysis, FirstCash Holdings, Inc. (FCFS) appears expensive. The current P/E of 27.6 is 32% above its historical median of 20.9. The estimated fair value CAGR (P/E method) is 12.1%.
FirstCash Holdings, Inc. (FCFS) operates in the Retail-Miscellaneous Retail industry, within the Consumer Cyclical sector.
FirstCash Holdings, Inc. (FCFS) reported annual revenue of $3.7 billion in its most recent fiscal year, based on SEC EDGAR filings.
FirstCash Holdings, Inc. (FCFS) has a net profit margin of 9.0%. This is a modest margin.
FirstCash Holdings, Inc. (FCFS) generated $531 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
FirstCash Holdings, Inc. (FCFS) has a debt-to-equity ratio of 1.37. This indicates moderate leverage.
FirstCash Holdings, Inc. (FCFS) reported earnings per share (EPS) of $7.42 in its most recent fiscal year.
FirstCash Holdings, Inc. (FCFS) has a return on equity (ROE) of 15.3%. This indicates the company generates strong returns for shareholders.
FirstCash Holdings, Inc. (FCFS) has a 5-year average gross margin of 49.3%. This indicates decent pricing power.
The Ledger Terminal provides 15 years of financial data for FirstCash Holdings, Inc. (FCFS), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
FirstCash Holdings, Inc. (FCFS) has a book value per share of $51.13, based on its most recent annual SEC filing.