Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
FCFS
BuyPremium GrowerFirstCash Holdings, Inc. · Financial Services · United States · $9.5B · Avg Vol: $93M/d
COMPANY DESCRIPTION
FirstCash Holdings, Inc. operates pawn stores offering small loans secured by collateral, and retails merchandise acquired through pawns and direct purchases. It is the largest pawn store operator in the United States and Latin America, benefiting from a vast store footprint and an established customer base in an underserved market. FirstCash provides vital non-recourse credit and retail options to a demographic with limited access to traditional banking services.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.7B | 3.2B | 3.4B | 3.7B | 10.3% | 4.1B | 4.4B | 4.8B | 14.4% |
| EPS | 5.48 | 4.86 | 5.78 | 7.46 | 10.9% | 8.80 | 9.62 | 11.15 | 22.3% |
| Shares | 46.3M | 45.1M | 44.8M | 44.0M | -5.0% | 43.4M | — | — | — |
| Debt | 1.7B | 1.9B | 2.1B | 2.6B | 15.4% | 2.7B | — | — | — |
| Equity | 1.9B | 2.0B | 2.1B | 2.3B | 6.6% | — | — | — | — |
| Op CF | 469.3M | 416.1M | 540.0M | 585.9M | 7.7% | 672.9M | — | — | — |
| Inv CF | -336.4M | -462.3M | -441.6M | -828.0M | — | — | — | — | — |
| Fin CF | -139.3M | 51.3M | -38.2M | 176.4M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FCFS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| FCFS | FirstCash Holdings, Inc.(you) | $9.5B | 66 | Buy |
| CACC | Credit Acceptance Corporation | $6.2B | 72 | Buy |
| ENVA | Enova International, Inc. | $5.8B | 61 | Hold |
| OMF | OneMain Holdings, Inc. | $7.2B | 55 | Hold |
| BFH | Bread Financial Holdings, Inc. | $4.1B | 69 | Buy |
| SEZL | Sezzle Inc. | $4.2B | 80 | Buy |
| ALLY | Ally Financial Inc. | $12.8B | 40 | Hold |
| SLM | SLM Corporation | $5.0B | 43 | Hold |
| PYPL | PayPal Holdings, Inc. | $45.9B | 71 | Buy |
| SYF | Synchrony Financial | $25.4B | 48 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%