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Upturn AI SWOT - About
FCFS 
FirstCash Inc (FCFS)
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Upturn Advisory Summary
10/20/2025: 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 $173
1 Year Target Price $173
| 3 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 21.82% | Avg. Invested days 50 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/20/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.98B USD | Price to earnings Ratio 24.22 | 1Y Target Price 173 |
Price to earnings Ratio 24.22 | 1Y Target Price 173 | ||
Volume (30-day avg) 5 | Beta 0.69 | 52 Weeks Range 99.32 - 163.01 | Updated Date 10/20/2025 |
52 Weeks Range 99.32 - 163.01 | Updated Date 10/20/2025 | ||
Dividends yield (FY) 0.96% | Basic EPS (TTM) 6.5 |
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 8.61% | Operating Margin (TTM) 12.67% |
Management Effectiveness
Return on Assets (TTM) 6.97% | Return on Equity (TTM) 14.17% |
Valuation
Trailing PE 24.22 | Forward PE 16.98 | Enterprise Value 8535310499 | Price to Sales(TTM) 2.06 |
Enterprise Value 8535310499 | Price to Sales(TTM) 2.06 | ||
Enterprise Value to Revenue 2.52 | Enterprise Value to EBITDA 8.81 | Shares Outstanding 44364566 | Shares Floating 39248444 |
Shares Outstanding 44364566 | Shares Floating 39248444 | ||
Percent Insiders 11.51 | Percent Institutions 89.26 |
Upturn AI SWOT
FirstCash Inc
Company Overview
History and Background
FirstCash, Inc. was founded in 1988. It began as a single pawn shop and has grown through acquisitions and organic expansion to become a leading international operator of pawn shops and retail financial service locations.
Core Business Areas
- U.S. Pawn: This segment operates pawn stores in the United States, offering pawn loans secured by personal property, as well as retail sales of merchandise.
- Latin America Pawn: This segment operates pawn stores primarily in Mexico, offering pawn loans and retail sales. This has grown considerably over the last decade.
- Retail Financial Services: This segment offers a range of financial services, including installment loans, check cashing, and money transfers in select markets.
Leadership and Structure
The current CEO of FirstCash is Rick Wessel. The company operates with a standard corporate structure including a Board of Directors and various executive management roles overseeing finance, operations, legal, and other key functions.
Top Products and Market Share
Key Offerings
- Pawn Loans: Pawn loans are the core business, allowing customers to borrow money secured by collateral. Market share data is difficult to pinpoint exactly due to the fragmented nature of the pawn industry, but FirstCash is a leading player. Major competitors include EZCorp and regional pawn chains. Revenue from pawns comprises the majority of the revenue. The exact split between pawn interest and retail sales varies from year to year.
- Retail Sales: FirstCash sells merchandise acquired through forfeited pawn loans and directly purchased inventory. They sell jewelry, electronics, tools, and other items. Competitors include other pawn shops and online marketplaces like eBay and Craigslist.
- Installment Loans: Offer short-term credit products (mainly in Mexico). Competitors include financial institutions and other fintech lenders.
Market Dynamics
Industry Overview
The pawn industry is influenced by economic conditions and consumer demand for short-term credit. It is a fragmented industry with many small regional players in addition to large companies like FirstCash and EZCorp. Economic downturns can increase demand for pawn loans, while economic growth can increase retail sales.
Positioning
FirstCash is positioned as a leading, reputable, and well-managed pawn operator with a strong presence in both the US and Latin America. Its competitive advantages include its scale, operational expertise, technology investments, and brand recognition. They also have a considerable network effect and benefits from operating multiple stores in a region.
Total Addressable Market (TAM)
The global pawn lending market is estimated to be in the tens of billions of dollars. FirstCash is positioned to capture a significant share of this market through expansion and its diverse offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large store network
- Experienced management team
- Geographic diversification
- Proprietary technology platform
Weaknesses
- Reliance on economic conditions
- Regulatory risks
- Reputational risks associated with the pawn industry
- Sensitivity to precious metal prices
Opportunities
- Expansion into new geographic markets
- Acquisitions of smaller pawn shop chains
- Increased demand for short-term credit during economic downturns
- Development of new financial products and services
- Further leverage technology to improve operational efficiency and customer experience
Threats
- Increased competition from other pawn shops and alternative lenders
- Changes in regulations affecting the pawn industry
- Economic downturns that reduce consumer spending
- Fluctuations in precious metal prices
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- EZPW
Competitive Landscape
FirstCash possesses operational excellence and a diverse geographic footprint. However, local and regional pawn operators may have a deep understanding of local customers. Their scale and advanced systems give them an edge.
Major Acquisitions
American First Finance
- Year: 2021
- Acquisition Price (USD millions): 1170
- Strategic Rationale: Expanded FirstCash's offerings in lease-to-own and point-of-sale finance.
Growth Trajectory and Initiatives
Historical Growth: FirstCash has grown significantly through acquisitions and organic expansion over the past decade, particularly in the Latin American market. The trend has been stable.
Future Projections: Analyst estimates suggest continued growth for FirstCash, driven by further expansion in Latin America, acquisitions, and same-store sales growth. The future projection is strong.
Recent Initiatives: Recent strategic initiatives include acquisitions of pawn shop chains in the US and Latin America, investments in technology to improve operational efficiency, and expansion of its retail financial services offerings.
Summary
FirstCash is a financially sound company that continues to experience revenue growth. They are a market leader with a strong international presence in a growing market. Potential challenges include economic downturns affecting consumer spending, regulatory changes impacting pawn operations, and increased competition. The company is implementing strategic initiatives to drive future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Industry Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. The data presented is based on publicly available information and may be subject to change. Investors should conduct their own due diligence before making any investment decisions.
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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