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FirstCash Inc (FCFS)

Upturn stock ratingUpturn stock rating
$135.14
Last Close (24-hour delay)
Profit since last BUY21.61%
upturn advisory
Consider higher Upturn Star rating
BUY since 113 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Time period over
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  • YEAR
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Upturn Advisory Summary

06/30/2025: FCFS (2-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Below Average Performance

These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.

Number of Analysts

rating

5 Analysts rated it

Moderately tracked stock, growing coverage, gaining market and investor attention.

1 Year Target Price $147

1 Year Target Price $147

Analysts Price Target For last 52 week
$147Target price
Low$99.62
Current$135.14
high$138.42

Analysis of Past Performance

Type Stock
Historic Profit 22.76%
Avg. Invested days 50
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 5.97B USD
Price to earnings Ratio 21.52
1Y Target Price 147
Price to earnings Ratio 21.52
1Y Target Price 147
Volume (30-day avg) 5
Beta 0.62
52 Weeks Range 99.62 - 138.42
Updated Date 06/30/2025
52 Weeks Range 99.62 - 138.42
Updated Date 06/30/2025
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 21.52
Forward PE 15.36
Enterprise Value 7849640316
Price to Sales(TTM) 1.76
Enterprise Value 7849640316
Price to Sales(TTM) 1.76
Enterprise Value to Revenue 2.32
Enterprise Value to EBITDA 7.96
Shares Outstanding 44364600
Shares Floating 39141969
Shares Outstanding 44364600
Shares Floating 39141969
Percent Insiders 11.8
Percent Institutions 88.83

Analyst Ratings

Rating 3
Target Price 147
Buy -
Strong Buy 3
Buy -
Strong Buy 3
Hold 2
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

FirstCash Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 20000

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.