FCFS · FirstCash Holdings, Inc.
$213.00
+1.67 (+0.79%)
At close · Oct 6
Return incl. dividend (before tax)
Market Cap
$9.43B
Shares
43.37M
Volume · Oct 6
286.34K
Avg daily vol (3M)
413.64K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$211.33
Open$209.81
Day$207.00–213.39
52W close$148.05–236.43
Avg vol 30d417K
Short int2.4M · 5.6% float · 6.1d
Short vol79%
Last earningsJul 23, 2026
DataJan 2020–Oct 2026
Filing10-Q · Jul 27
Up next
Next earnings call
Oct 26, 2026
Est · unconfirmed
· in 3 wks
filed Jul 27, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$4.12B
Trailing 12 months
Net income (TTM)
$388.15M
Trailing 12 months
Revenue growth YoY
+29.4%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
24.1
Trailing earnings · reciprocal yield 4.1%
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-1.2%
Year over year · fewer shares
Price change (1Y)
+39.2%
Trailing year
Short interest
5.6%
Latest settlement · 6.1 days to cover
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Neutral
Momentum
Neutral
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 15.5 · calm
Equity put/call 0.59
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+4%
above
Price vs 50-day avg
−2%
below
RSI (14)
43
neutral
MACD trend
Negative
52-week position
72%
mid-range
Momentum
relative strength
1-month return
−6%
trailing
6-month return
+4%
trailing
YTD return
+33%
this year
Relative strength
−7%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $216 › 200d $203 — 50d above 200d
Institutional flow
Accumulating
3 of 504 funds reported for Sep 30 · net +516 sh shares
Insider flow
Distributing
Net -$829.5K over 90 days · 100% sells
Short interest
Rising
5.62% of float · ▲ +9.3% MoM · 6.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
504 holders — near 3-yr high, broad support
Squeeze score
69
elevated · 0–100
Fundamentals
Revenue growth
+8%
Y/Y
Gross margin
50%
expanding
EPS growth
+29%
Y/Y
Valuation
P/E 24.8
rich
Buyback
$150.0M
remaining
Balance sheet
$2.1B
net debt
Quant / Vol
risk profile
Volatility
32%
annualized · 1-yr
Max drawdown
−16%
past year
ATR
3.0%
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 Jul 23, 2026
2026
U.S. Pawn retail margins
42% – 43%
Retail merchandise sales
10% – 15%
full year 2026
Interest expense growth over 2025
Initiated
15% – 20%
Consolidated effective income tax rate
Initiated
26% – 27%
Interest expense
Initiated
15% – 20%
second half of 2026
Pawn fees
Initiated
20%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+4%
Bullish
Price vs 50-day avg
−2%
Neutral
RSI (14)
43
Neutral
MACD trend
Negative
Bearish
52-week position
72%
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $216 › 200d $203 — 50d above 200d
Institutional flow
Accumulating
3 of 504 funds reported for Sep 30 · net +516 sh shares
Insider flow
Distributing
Net -$829.5K over 90 days · 100% sells
Short interest
Rising
5.62% of float · ▲ +9.3% MoM · 6.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
504 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $148
Now $211 · 72%
Range high $236
vs 200-day avg +4%
vs 50-day avg -2%
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 |
|---|---|---|---|
| Adjusted diluted earnings per share non-GAAP | $2.5 | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Diluted earnings per share, as reported $2.12
+$0.11 Merger and acquisition expenses
+$0.26 Amortization of acquired intangible assets
+$0 CFPB litigation settlement
+$0.01 Other expense (income), net
= Adjusted diluted earnings per share $2.5
|
|||
| Adjusted EBITDA non-GAAP | 201.43M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP EBITDA $194.73M
+$6.36M Merger and acquisition expenses
+$0K CFPB litigation settlement
+$346K Other expense (income), net
= Adjusted EBITDA $201.43M
|
|||
| Adjusted free cash flow non-GAAP | 62.8M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Free cash flow $58.03M
+$4.77M Merger and acquisition expenses paid, net of tax benefit
= Adjusted free cash flow $62.8M
|
|||
| Adjusted net income non-GAAP | $110.11M | Three Months Ended June 30, 2026 filing | — |
| Consolidation of existing pawn locations | -11 | Three Months Ended June 30, 2026 filing | — |
| EBITDA non-GAAP | $194.73M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net income $93.47M
+$33.54M Income taxes
+$32.44M Depreciation and amortization
+$35.7M Interest expense
-$417K Interest income
= EBITDA $194.73M
|
|||
| Finance receivables average monthly net charge-off rate | 4.4% | three months ended June 30, 2026 filing | — |
| Finance receivables delinquency rate | 22.3% | three months ended June 30, 2026 filing | — |
| Finance receivables gross transaction volume | 137.68M | three months ended June 30, 2026 filing | — |
| Finance receivables provision rate | 29% | three months ended June 30, 2026 filing | — |
| Free cash flow non-GAAP | 58.03M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Cash flow from operating activities $176.78M
-$667.58M Pawn loans made
+$372.46M Pawn loans repaid
+$193.65M Recovery of pawn loan principal through sale of forfeited collateral
-$93.74M Investments in finance receivables
+$94.21M Proceeds from finance receivables
-$17.75M Purchases of furniture, fixtures, equipment and improvements
= Free cash flow $58.03M
|
|||
| Latin America retail merchandise sales | $174.3M | second quarter of 2026 filing | — |
| Leased merchandise average monthly net charge-off rate | 6.4% | three months ended June 30, 2026 filing | — |
| Leased merchandise delinquency rate | 25.6% | three months ended June 30, 2026 filing | — |
| Leased merchandise gross transaction volume | 85.98M | three months ended June 30, 2026 filing | — |
| New pawn locations opened | 13 | Three Months Ended June 30, 2026 filing | — |
| Pawn locations acquired | 7 | Three Months Ended June 30, 2026 filing | — |
| Same-store pawn fees (Latin America) | 33% | second quarter of 2026 filing | — |
| Same-store pawn loan fees | 14% | second quarter of 2026 compared to the second quarter of 2025 filing | — |
| Same-store retail sales | 8% | second quarter of 2026 compared to the second quarter of 2025 filing | — |
| Same-store retail sales (Latin America) | 28% | second quarter of 2026 filing | — |
| Total gross transaction volume (Retail POS Payment Solutions) | 223.66M | three months ended June 30, 2026 filing | — |
| U.K. pawn segment pre-tax operating margin | 35% | second quarter of 2026 filing | — |
| Weighted-average store count for the three months ended June 30 | 3,339 | three months ended June 30, 2026 filing | — |
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.
|
$9.43B | +32.6% | +8.0% | 24.8 | 5.6% |
|
V
Visa Inc.
|
$655.56B | +5.4% | -4.9% | — | 1.0% |
|
MA
Mastercard Inc
|
$497.27B | -1.1% | +16.4% | 31.2 | 0.8% |
|
AXP
American Express Co
|
$206.24B | -17.8% | +13.4% | 18.5 | 1.6% |
|
COF
Capital One Financial Corp
|
$119.78B | -19.5% | +36.6% | 11.7 | 1.6% |
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 | -2.6% | -6.3% | +4.2% | +0.1% | +32.6% |
| SPY | +1.2% | +0.6% | +11.6% | +1.6% | +13.6% |
| vs SPY | -3.8% | -6.9% | -7.4% | -1.6% | +19.0% |
Capital returns
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.