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Upturn AI SWOT - About
FCFS 
FirstCash Inc (FCFS)
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Upturn Advisory Summary
09/16/2025: FCFS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $162.8
1 Year Target Price $162.8
| 3 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 12.05% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.52B USD | Price to earnings Ratio 22.51 | 1Y Target Price 162.8 |
Price to earnings Ratio 22.51 | 1Y Target Price 162.8 | ||
Volume (30-day avg) 5 | Beta 0.7 | 52 Weeks Range 99.32 - 150.92 | Updated Date 09/16/2025 |
52 Weeks Range 99.32 - 150.92 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 1.04% | Basic EPS (TTM) 6.53 |
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 22.51 | Forward PE 15.36 | Enterprise Value 8413751588 | Price to Sales(TTM) 1.92 |
Enterprise Value 8413751588 | Price to Sales(TTM) 1.92 | ||
Enterprise Value to Revenue 2.48 | Enterprise Value to EBITDA 8.68 | Shares Outstanding 44364600 | Shares Floating 39240902 |
Shares Outstanding 44364600 | Shares Floating 39240902 | ||
Percent Insiders 11.52 | Percent Institutions 88.86 |
Upturn AI SWOT
FirstCash Inc
Company Overview
History and Background
FirstCash, Inc. (FCFS) was founded in 1988. It started as a single pawn shop and has grown through acquisitions and organic expansion to become a leading international operator of pawn stores and retail point-of-sale solutions.
Core Business Areas
- U.S. Pawn: Operates pawn stores in the United States, offering pawn loans secured by personal property and retailing merchandise acquired through forfeitures and trade-ins.
- Latin America Pawn: Operates pawn stores in Mexico and other Latin American countries, providing pawn loans and retail sales similar to the U.S. operations.
- Retail Point-of-Sale Solutions: Provides retail point-of-sale software and related services, primarily to pawn shops and other specialty retailers.
Leadership and Structure
The leadership team includes Rick Wessel (CEO). FirstCash has a typical corporate structure with a board of directors overseeing executive management.
Top Products and Market Share
Key Offerings
- Pawn Loans: Short-term loans secured by personal property. Market share data for pawn loans is fragmented and varies by region. Competitors include other pawn shop chains and alternative lenders. Difficult to pinpoint exact market share but they are a leader in pawn broking.
- Retail Sales: Sales of merchandise acquired through pawn forfeitures and trade-ins. Market share varies by product category. Competitors include traditional retailers and online marketplaces. FirstCash is one of the largest players in this fragmented market.
- Point-of-Sale Software (POS): Provides software solutions for managing pawn and retail operations. Competitors include Bravo Systems, PawnMate, and other retail POS software providers. Difficult to pinpoint exact market share.
Market Dynamics
Industry Overview
The pawn industry is influenced by economic conditions and consumer demand for short-term credit. The retail point-of-sale solutions market is competitive and technology-driven.
Positioning
FirstCash is a leading player in the pawn industry due to its scale, brand recognition, and operational efficiency. Its competitive advantage lies in its large store network and integrated business model.
Total Addressable Market (TAM)
The TAM for pawn loans and related retail is estimated to be substantial. FirstCash is well-positioned to capture a significant portion of this TAM through its expansion strategies and customer base.
Upturn SWOT Analysis
Strengths
- Large store network
- Strong brand recognition
- Operational efficiency
- Diversified revenue streams
- Experienced management team
Weaknesses
- Sensitivity to economic downturns
- Regulatory risks
- Dependence on pawn forfeitures for retail sales
- Potential for reputational damage
Opportunities
- Expansion into new markets
- Acquisition of smaller pawn operators
- Development of new financial products
- Growth in online retail sales
- Increased demand for POS solutions
Threats
- Increased competition from alternative lenders
- Changes in regulations
- Economic recession
- Fluctuations in commodity prices (e.g., gold)
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- EZPW
- CASH
Competitive Landscape
FirstCash has the advantage of scale, a strong brand, and operational efficiency, while competitors may focus on niche markets or specialized services.
Major Acquisitions
American First Finance
- Year: 2021
- Acquisition Price (USD millions): 430
- Strategic Rationale: The acquisition aimed to expand FirstCash's financial services offerings and customer base.
Growth Trajectory and Initiatives
Historical Growth: FirstCash has experienced strong growth in recent years, driven by acquisitions and organic expansion.
Future Projections: Projections for FirstCash Inc's future growth based on analyst estimates (Example: Revenue Growth (Next 5 Years): [7.0], EPS Growth (Next 5 Years): [8.0])
Recent Initiatives: Recent strategic initiatives undertaken by FirstCash Inc include expansion into new markets and investment in technology.
Summary
FirstCash demonstrates strong financial performance and growth through its pawn store operations and POS solutions. The company's large store network, diversified revenue streams, and experienced management team contribute to its strengths. However, it faces challenges like economic downturns and regulatory risks, but is well-positioned to capitalize on opportunities for expansion and product development. Overall the company is strong, but needs to be cautious about the economy.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market data and financial information may be subject to change.
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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