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Upturn AI Summary - About
FirstCash Inc(FCFS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FCFS
10/23/2026: FCFS (3-star) is a SELL. SELL for 2 days. Simulated Profits (-21.85%). Updated daily EoD!
FirstCash Inc is a specialized operator of pawn stores and a provider of point-of-sale financing through its American First Finance platform. The company has a leading position in the pawn industry and has successfully diversified into fintech, creating a multi-layered business model. Its primary growth story revolves around scaling POS finance partnerships and expanding its international footprint. Risks include significant regulatory pressure on lending practices, economic cyclicality affecting the underbanked, and rising competition from digital fintech firms. The stock may suit dividend-focused and value-oriented investors, though potential investors should closely monitor the integration performance of the fintech segment and evolving regulatory developments.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers growth through its fintech segment but faces maturity constraints in the core pawn business. |
| Momentum investor | Strong fit while signal remains positive | The stock can exhibit strong momentum when the retail finance segment beats expectations. |
| Value investor | Strong fit | The stock often trades at reasonable multiples compared to its cash-generative capabilities. |
| Dividend investor | Strong fit | The company has a consistent history of paying and increasing dividends. |
| Low-risk investor | Mixed fit | Regulatory risks inherent in the alternative lending sector introduce higher volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock price is sensitive to consumer sentiment and shifts in economic growth. |
| Valuation risk | Medium | Valuation fluctuates based on the perceived growth rate of the AFF fintech division. |
| Competition risk (fintech finance) | High | Rising competition from digital-first POS lenders threatens market share in the AFF segment. |
| Business quality | Strong | The company has a long-standing track record of operational efficiency in its stores. |
| Dividend income | Medium | Dividends are reliable but represent a smaller yield compared to pure-play income stocks. |
| Execution risk | Medium | Successfully managing the integration of the AFF platform remains critical to long-term success. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 27.93% | Avg. Invested days 65 | Today’s Advisory SELL |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.01B USD | Price to earnings Ratio 20 | 1Y Target Price 249.25 |
Price to earnings Ratio 20 | 1Y Target Price 249.25 | ||
Volume (30-day avg) 426.5K shares | Beta 0.55 | 52 Weeks Range 145.49 - 238.93 | Updated Date 10/23/2026 |
52 Weeks Range 145.49 - 238.93 | Updated Date 10/23/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 9.24 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Pawn Operations | Interest from pawn loans and retail sales of unredeemed items. | This is the steady, cash-cow part of the business that relies on physical store traffic. |
| American First Finance (AFF) | Lease-to-own and retail finance services for consumers. | This is the growth engine that connects the company to wider retail partners. |
| Geography | Operations in the U.S., Mexico, and other Latin American regions. | International exposure provides a hedge and unique growth opportunities outside the U.S. |
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 2026-10-22 | When Before Market | Estimate 2.64 | Actual 2.68 |
Profitability
Profit Margin 9.42% | Operating Margin (TTM) 15.51% |
Management Effectiveness
Return on Assets (TTM) 8.3% | Return on Equity (TTM) 17.4% |
Valuation
Trailing PE 20 | Forward PE 17.15 | Enterprise Value 11.92B | Price to Sales(TTM) 1.95 |
Enterprise Value 11.92B | Price to Sales(TTM) 1.95 | ||
Enterprise Value to Revenue 2.92 | Enterprise Value to EBITDA 11 | Shares Outstanding 43.37M | Shares Floating 39.71M |
Shares Outstanding 43.37M | Shares Floating 39.71M | ||
Percent Insiders 8.43 | Percent Institutions 100.54 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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