FirstCash Holdings Inc. Common Stock (FCFS)

FairStock Score: 56/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for businesses that earn good returns on capital, generate cash, and sell at a sensible price. FirstCash is a pawn operator with a collateralized lending model. In fiscal Q2 2026, the quarter ended 2026-06-30, it reported revenue of $471.3M, net income of $93.5M, and diluted EPS of $2.12. That compares favorably with fiscal Q2 2025, the quarter ended 2025-06-30, when revenue was $385.1M, net income $59.8M, and diluted EPS $1.34. For FY2025, ended 2025-12-31, revenue was $1.7B, net income $330.4M, and diluted EPS $7.42, up from FY2024 revenue of $1.5B, net income $258.8M, and diluted EPS $5.73. FairStock's calculated return on equity is 17.40%, but return on capital employed is only 8.30%, and debt-to-equity is 1.16. Free cash flow over the trailing twelve months was $550.8M, a 5.8% FCF yield. The FairStock Lynch category is STALWART: profit grew 25.4% a year over five years and revenue 9.2%. At the 2026-10-13 close of $218.83, the stock trades at 24.92 times earnings and 4.10 times book, both FairStock calculations. The FairStock PEG ratio is 1.01 and EV/EBITDA is 11.52. Graham's asset-based number is $101.76, so the price carries a negative margin of safety. Piotroski is 7/9 and Altman Z is 2.96. This is a growing, cash-generative operator, but the price already reflects much of that. I would want a wider discount before calling it a classic value purchase.

In plain English: FirstCash runs pawn shops and makes small loans secured by personal items like jewelry and electronics. The business looks strong: sales and profits have been rising, and it produces plenty of cash. But the stock price looks high compared with the company's earnings and accounting value, so it does not look like a bargain by those measures.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer