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Upturn AI SWOT - About
FCFS 
FirstCash Inc (FCFS)
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Upturn Advisory Summary
07/08/2025: FCFS (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $147
1 Year Target Price $147
| 3 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 21.65% | Avg. Invested days 50 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/08/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.03B USD | Price to earnings Ratio 21.74 | 1Y Target Price 147 |
Price to earnings Ratio 21.74 | 1Y Target Price 147 | ||
Volume (30-day avg) 5 | Beta 0.62 | 52 Weeks Range 99.62 - 138.42 | Updated Date 07/8/2025 |
52 Weeks Range 99.62 - 138.42 | Updated Date 07/8/2025 | ||
Dividends yield (FY) 1.13% | Basic EPS (TTM) 6.25 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 8.29% | Operating Margin (TTM) 16.21% |
Management Effectiveness
Return on Assets (TTM) 6.94% | Return on Equity (TTM) 13.7% |
Valuation
Trailing PE 21.74 | Forward PE 17.24 | Enterprise Value 7915743519 | Price to Sales(TTM) 1.78 |
Enterprise Value 7915743519 | Price to Sales(TTM) 1.78 | ||
Enterprise Value to Revenue 2.34 | Enterprise Value to EBITDA 8.03 | Shares Outstanding 44364600 | Shares Floating 39141969 |
Shares Outstanding 44364600 | Shares Floating 39141969 | ||
Percent Insiders 11.8 | Percent Institutions 88.82 |
Upturn AI SWOT
FirstCash Inc
Company Overview
History and Background
FirstCash, Inc. was founded in 1988. It has grown from a single pawn shop to a leading international operator of pawn stores and a provider of technology solutions to the financial services industry. The company has expanded through acquisitions and organic growth, focusing on serving unbanked and underbanked consumers.
Core Business Areas
- U.S. Pawn: Operates pawn stores primarily in the U.S., offering collateralized loans, buying and selling merchandise, and providing other financial services. Includes retail sales of previously owned merchandise.
- Latin America Pawn: Operates pawn stores in Mexico and other Latin American countries, providing similar services to the U.S. Pawn segment, focusing on local market needs and consumer preferences.
- eCommerce: Sells items from pawn locations online via various digital marketplaces and its own ecommerce platform. This segment is experiencing continuous growth.
- Retail Point of Sale (POS) Solutions: Through FirstPOS, provides technology and software solutions and customer support to independent retail businesses. Also provides other financial services in connection with its products and services.
Leadership and Structure
The leadership team is headed by Rick Wessel as Chief Executive Officer. The company has a typical corporate structure with various departments and regional management teams overseeing operations.
Top Products and Market Share
Key Offerings
- Collateralized Loans (Pawn Loans): Short-term loans secured by personal property. Revenue comes from interest and fees. Competitors include other pawn shop chains and short-term lenders. Market share data is not readily available on a per-product basis. However, FirstCash is one of the largest pawnshop operators in the US and Latin America.
- Retail Sales: Selling previously owned merchandise acquired through pawn loans and direct purchases. Competitors include retail stores, online marketplaces, and other pawn shops. Market share data is not readily available. However, retail sales represent a significant portion of the overall revenue.
- eCommerce: Selling items from pawn locations online via various digital marketplaces and its own ecommerce platform. Competitors include retail stores, online marketplaces, and other pawn shops. Market share data is not readily available.
Market Dynamics
Industry Overview
The pawn industry serves individuals with limited access to traditional banking services, providing short-term loans and retail opportunities. The industry is influenced by economic conditions, consumer spending habits, and regulations.
Positioning
FirstCash is positioned as a leading, established player in the pawn industry, benefiting from its large store network, brand recognition, and technology investments. Its competitive advantages include scale, operational efficiency, and a diversified revenue stream.
Total Addressable Market (TAM)
The total addressable market for the pawn industry is estimated to be in the tens of billions of dollars annually. FirstCash is well-positioned to capture a significant share of this market through organic growth, acquisitions, and expansion into new geographic areas.
Upturn SWOT Analysis
Strengths
- Large store network
- Brand recognition
- Diversified revenue streams (loans, retail, technology)
- Strong financial performance
- Experienced management team
Weaknesses
- Dependence on economic conditions
- Regulatory risks
- Reputational risks associated with the pawn industry
- Higher Cost of Capital
Opportunities
- Expansion into new geographic areas
- Acquisitions of smaller pawn shop chains
- Increased focus on digital channels and e-commerce
- Growing demand for alternative financial services
- Continued growth in the U.S. and Latin American pawn markets
Threats
- Increased competition from other pawn shops and short-term lenders
- Changes in regulations that could restrict operations
- Economic downturns that could reduce demand for pawn loans
- Fluctuations in the value of collateralized assets (e.g., gold)
- Cyber security threats
Competitors and Market Share
Key Competitors
- EZPW
- CNK
Competitive Landscape
FirstCash benefits from its scale and brand recognition. The pawn industry is fragmented, with many smaller, regional players. Competition also comes from other short-term lenders and alternative financial service providers. FirstCash's strength lies in its integrated approach combining pawn loans, retail sales, and technology.
Major Acquisitions
American First Finance (AFF)
- Year: 2021
- Acquisition Price (USD millions): 910
- Strategic Rationale: AFF expands FirstCash's product offerings into the rent-to-own space, diversifying its revenue streams and customer base.
Growth Trajectory and Initiatives
Historical Growth: FirstCash has grown historically through acquisitions, organic growth of its store network, and expansion of its product and service offerings. This growth has been driven by increased demand for alternative financial services.
Future Projections: Analyst projections typically forecast continued growth in revenue and earnings, driven by expansion in both the U.S. and Latin America, particularly Mexico.
Recent Initiatives: Recent initiatives include expanding its e-commerce platform, launching new store formats, increasing focus on digital channels and improving operational efficiency.
Summary
FirstCash is a strong player in the pawn industry, benefiting from its large store network and diversified revenue streams. Its focus on technology and expansion into Latin America provide growth opportunities. However, it faces regulatory risks and economic uncertainties. While its AFF acquisition diversified income, high interest rates in the pawn business can be a liability in highly regulated markets.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q), Investor Presentations, Analyst Reports, Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data and analyst estimates are subject to change. Investment decisions should be based on individual research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About FirstCash Inc
Exchange NASDAQ | Headquaters Fort Worth, TX, United States | ||
IPO Launch date 1991-04-25 | Vice Chairman & CEO Mr. Rick L. Wessel | ||
Sector Financial Services | Industry Credit Services | Full time employees 20000 | Website https://firstcash.com |
Full time employees 20000 | Website https://firstcash.com | ||
FirstCash Holdings, Inc., together with its subsidiaries, operates retail pawn stores in the United States, Mexico, and rest of Latin America. The company operates through three segments: U.S. Pawn, Latin America Pawn, and Retail POS Payment Solutions segments. Its pawn stores lend money on the collateral of pledged personal property, including jewelry, electronics, tools, appliances, sporting goods, and musical instruments; and retails merchandise acquired through collateral forfeitures and over-the-counter purchases of merchandise from customers. The company also provides retail POS payment solutions, which focuses on LTO products and facilitating other retail financing payment options across the network of traditional and e-commerce merchant partners. It serves cash and credit-constrained consumers. The company was formerly known as FirstCash, Inc and changed its name to FirstCash Holdings, Inc. in December 2021. FirstCash Holdings, Inc. was incorporated in 1988 and is headquartered in Fort Worth, Texas.
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