FCFS · FirstCash Holdings, Inc.
$211.98
-0.76 (-0.36%)
At close · Aug 19
Market Cap
$9.20B
Shares
43.37M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$211.98
Open$214.32
Day$211.38–215.41
52W close$137.63–233.00
Avg vol 30d408K
Short int2.2M · 5.2% float · 4.2d
Short vol82%
Last earningsJul 23, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 27
Up next
Next earnings call
Oct 26, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 27, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+10%
above
Price vs 50-day avg
−1%
below
RSI (14)
51
neutral
MACD trend
Positive
52-week position
78%
mid-range
Momentum
relative strength
1-month return
+2%
trailing
6-month return
+12%
trailing
YTD return
+33%
this year
Relative strength
0%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $214 › 200d $193 — 50d above 200d
Institutional flow
Accumulating
+6% holders QoQ · +77 funds added
Insider flow
Distributing
Net -$2.3M over 90 days · 100% sells
Short interest
Rising
5.16% of float · ▲ +12.1% MoM · 4.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
500 holders — near 3-yr high, broad support
Squeeze score
54
elevated · 0–100
Fundamentals
Revenue growth
+8%
Y/Y
Gross margin
50%
expanding
EPS growth
+29%
Y/Y
Valuation
P/E 24.2
rich
Buyback
$150.0M
remaining
Balance sheet
$2.1B
net debt
Quant / Vol
risk profile
Volatility
30%
annualized · 1-yr
Max drawdown
−16%
past year
ATR
3.5%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Feb 5, 2026
Gross transaction volumes for lease and loan originations
· 2026
5% – 10%
U.S. retail margins (target)
· 2026
42%
Latin America operating expenses growth (U.S. dollar basis)
· 2026
8% – 10%
Prior guidance
period ended
· from the 8-K filed Feb 5, 2026
U.S. retail merchandise sales growth
· 2025
8% – 10%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+10%
Bullish
Price vs 50-day avg
−1%
Neutral
RSI (14)
51
Neutral
MACD trend
Positive
Bullish
52-week position
78%
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $214 › 200d $193 — 50d above 200d
Institutional flow
Accumulating
+6% holders QoQ · +77 funds added
Insider flow
Distributing
Net -$2.3M over 90 days · 100% sells
Short interest
Rising
5.16% of float · ▲ +12.1% MoM · 4.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
500 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $138
Now $212 · 78%
Range high $233
vs 200-day avg +10%
vs 50-day avg -1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| active retail merchant partner locations | 16,700 | As of June 30, 2026 | — |
| Adjusted EBITDA non-GAAP | $802.44M | Trailing Twelve Months Ended June 30, 2026 | — |
|
|
|||
GAAP → non-GAAP reconciliationGAAP EBITDA 787.69M
+18.35M Merger and acquisition expenses
+0K CFPB litigation settlement
-3.6M Other expense (income), net
= Adjusted EBITDA 802.44M
|
|||
| Adjusted free cash flow non-GAAP | $309.05M | Trailing Twelve Months Ended June 30, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Free cash flow 293.85M
+15.2M Merger and acquisition expenses paid, net of tax benefit
= Adjusted free cash flow 309.05M
|
|||
| Adjusted net income non-GAAP | $229.16M | Six Months Ended June 30, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Net income, as reported 388.15M
+15.2M Merger and acquisition expenses
+45.65M Amortization of acquired intangible assets
+0K CFPB litigation settlement
-2.09M Other expense (income), net
= Adjusted net income 446.91M
|
|||
| Adjusted return on assets non-GAAP | 9% | Trailing Twelve Months Ended June 30, 2026 | — |
| Adjusted return on equity non-GAAP | 20% | Trailing Twelve Months Ended June 30, 2026 | — |
| AFF active retail and e-commerce point-of-sale merchant partner locations | 16,700 | as of June 30, 2026 | — |
| Average outstanding pawn loan amount (in ones) | 245 | As of June 30, 2026 | — |
| Combined average monthly net charge-off rate | 5.2% | Q2 FY2026 | — |
| Combined finance receivables, before allowance for loan losses, and OBS Loans | $271.2M | As of June 30, 2026 | — |
| Combined purchase price (acquisitions) | $453M | TTM ended June 30, 2026 | — |
| EBITDA non-GAAP | $787.69M | Trailing Twelve Months Ended June 30, 2026 | — |
| Finance receivables, net | $131M | As of June 30, 2026 | — |
| Free cash flow non-GAAP | $293.85M | Trailing Twelve Months Ended June 30, 2026 | — |
| Inventories | $570.49M | As of June 30, 2026 | — |
| Inventories aged greater than one year | 1.5% | Q2 FY2026 | — |
| Inventories aged greater than one year (Latin America) | 1.2% | Q2 FY2026 | — |
| Inventory turns (trailing twelve months cost of merchandise sales divided by average inventories | 3 | As of June 30, 2026 | — |
| Latin America locations | 1,836 | as of June 30, 2026 | — |
| Leased merchandise, net | $84.58M | As of June 30, 2026 | — |
| locations | 3,343 | as of June 30, 2026 | — |
| owned pawn locations | 466 | as of June 30, 2026 | — |
| Pawn loan fees | 15% | Q2 FY2026 | — |
| Pawn loans | $897.56M | As of June 30, 2026 | — |
| Pawn receivables | 20% | Q2 FY2026 | — |
| Pawn receivables (constant currency) non-GAAP | 22% | Q2 FY2026 | — |
| Pawn receivables (U.K.) | $217M | Q2 FY2026 | — |
| Pawn receivables increase (U.K., local currency) | 26% | Q2 FY2026 | — |
| Pawn receivables increase (U.K., U.S. dollar) | 22% | Q2 FY2026 | — |
| Pawn stores | 3,300 | Q2 FY2026 | — |
| Pawn stores acquired | 313 | TTM ended June 30, 2026 | — |
| Percentage of inventory aged greater than one year | 3.3% | As of June 30, 2026 | — |
| Retail margins | 35% | Q2 FY2026 | — |
| Retail merchandise sales | 10% | Q2 FY2026 | — |
| Retail pawn locations added | 20 | second quarter | — |
| Retail sales margins | 43% | Q2 FY2026 | — |
| Return on assets | 8% | TTM ended June 30, 2026 | — |
| Return on equity | 17% | TTM ended June 30, 2026 | — |
| Same-store pawn fees | 14% | Q2 FY2026 | — |
| Same-store pawn receivables | 19% | Q2 FY2026 | — |
| Same-store pawn receivables (two-year stacked) | 32% | Q2 FY2026 | — |
| Same-store retail sales | 8% | Q2 FY2026 | — |
| Shareholder returns (repurchases and dividends) | $256M | TTM ended June 30, 2026 | — |
| Strategic real estate purchases | $74M | TTM ended June 30, 2026 | — |
| Total gross transaction volume | $465.84M | Six Months Ended June 30, 2026 | — |
| Total pawn loan fees | 33% | Q2 FY2026 | — |
| Total pawn loan fees (constant currency) non-GAAP | 19% | Q2 FY2026 | — |
| Total retail merchandise sales | 28% | Q2 FY2026 | — |
| Total retail merchandise sales (constant currency) non-GAAP | 15% | Q2 FY2026 | — |
| Two-year stacked same-store receivable growth | 42% | Q2 FY2026 | — |
| Two-year stacked same-store receivable growth (currency adjusted) non-GAAP | 35% | Q2 FY2026 | — |
| U.K. locations | 295 | as of June 30, 2026 | — |
| U.S. locations | 1,212 | as of June 30, 2026 | — |
| active retail and e-commerce point-of-sale merchant partner locations | 16,600 | as of March 31, 2026 | — |
| pawn locations added over the last twelve months | 340 | trailing twelve months ended March 31, 2026 | — |
| same-store pawn receivables increase (Latin America, local currency) | 30% | Q1 2026 | — |
| same-store pawn receivables increase (U.K., local currency) | 29% | Q1 2026 | — |
| Adjusted free cash flows non-GAAP | 307M | Full year 2025 | — |
| EBITDA (non-GAAP measure) non-GAAP | 677.73M | Twelve Months Ended December 31, 2025 | — |
| Operating cash flows | 586M | Full year 2025 | — |
| Pawn locations added | 28 | Fourth quarter 2025 | — |
| Total locations | 3,330 | As of December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FCFS
this stock
FirstCash Holdings, Inc.
|
$9.20B | +33.0% | +8.0% | 24.2 | 5.2% |
|
V
Visa Inc.
|
$649.98B | +4.2% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$502.58B | +0.5% | +16.4% | 31.6 | 1.0% |
|
AXP
American Express Co
|
$228.61B | -8.1% | +13.4% | 20.6 | 1.8% |
|
COF
Capital One Financial Corp
|
$138.96B | -8.9% | +36.6% | — | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FCFS | -0.9% | +1.6% | +12.0% | +3.9% | +33.0% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -0.5% | -1.4% | +0.4% | +1.0% | +20.2% |
Capital returns
Latest dividend
$0.42
/ share · ex Aug 14, 2026
Paid (TTM)
$1.68
/ share · 4 payouts
Dividend yield (TTM, derived)
0.79%
Buyback program
· as of Jul 27, 2026
Authorized
$150.00M
Spent (derived)
$0
Remaining
$150.00M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
840489
CUSIP
33768G107
13F (30d)
434 filings
429 filers
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