FCFS
Financial ServicesFirstCash Holdings, Inc · Financial - Credit Services · $10B
What is FirstCash Holdings, Inc?
FirstCash Holdings operates one of the largest networks of retail pawn stores across the United States and Latin America. The company connects everyday consumers with short-term liquidity through collateral-based lending and retail resale.
FirstCash makes money in two primary ways: lending cash against pledged personal property and reselling merchandise when borrowers forfeit their collateral. Customers bring in jewelry, electronics, tools, appliances, sporting goods, and musical instruments as collateral for short-term pawn loans. When loans go unredeemed, the company sells that merchandise through its store network. FirstCash also purchases goods directly from customers and processes scrap precious metals — gold, silver, and diamonds — for commodity markets.
Incorporated in 1988 and formally established in 1991, FirstCash is headquartered in Fort Worth, Texas.
- Collateral-based pawn lending for personal property
- Retail resale of forfeited and over-the-counter merchandise
- Precious metals and diamond processing for commodity markets
- Multi-country store network across the US and Latin America
Is FCFS a Good Stock to Buy?
UQS Score rates FCFS as Good overall, reflecting a balanced but mixed profile across its five pillars.
The Growth and Valuation pillars both carry Good ratings, suggesting the business is expanding at a meaningful pace while the stock does not appear stretched relative to fundamentals. Risk comes in at Neutral, indicating no outsized balance-sheet or operational red flags relative to peers in the financial services sector.
The Moat pillar registers as Weak, pointing to limited structural competitive advantages that could protect long-term returns. Quality is rated Neutral, meaning profitability and capital efficiency are in line with — but not ahead of — sector peers.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does FCFS pay dividends?
Yes — FirstCash Holdings, Inc pays a dividend.
FirstCash pays a regular dividend, which is relatively uncommon among mid-cap financial services companies with active expansion strategies. The dividend reflects the company's ability to generate recurring cash flows from its large store network while still funding growth. Income-focused investors may find the payout cadence appealing, though the full yield context is available inside the UQS platform.
When does FCFS report earnings?
FirstCash Holdings reports earnings on a quarterly cadence, consistent with standard practice for US-listed equities.
The company's Growth pillar rating suggests revenues and store-level economics have been trending in a positive direction. Expansion across Latin American markets has contributed to top-line momentum, while the US pawn segment provides a more mature, stable earnings base.
For the most recent quarter's results and guidance commentary, visit FirstCash Holdings' investor relations page directly.
FCFS Price History
+178.1% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in FirstCash Holdings, Inc?
Based on FirstCash Holdings, Inc's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
FCFS Long-term Outlook
FirstCash's Good Growth rating points to a business with meaningful expansion runway, particularly across its Latin American store footprint. The Neutral Risk profile suggests the company is managing its leverage and operational exposure without alarming concentration risks. However, the Weak Moat rating is a longer-term consideration — pawn lending lacks strong switching costs or network effects that would lock in customers or pricing power.
Growth drivers
- Continued store expansion across Mexico and other Latin American markets
- Rising consumer demand for short-term, collateral-based credit alternatives
- Precious metals commodity exposure providing a natural revenue diversifier
Key risks
- Weak competitive moat leaves the business exposed to local and regional pawn competitors
- Currency and regulatory risk across multiple Latin American jurisdictions
- Valuation rated Good but not deeply discounted, limiting margin of safety
FCFS vs Peers
FirstCash operates in a niche corner of financial services, but it shares the broader consumer lending and alternative finance space with several other mid-market players.
Aegon Funding operates within the insurance and institutional funding space, a very different model from FirstCash's store-based, collateral-driven lending.
OneMain focuses on personal installment loans for non-prime consumers, competing with FirstCash for the same underserved borrower segment but without physical collateral requirements.
This Carlyle debt instrument represents institutional alternative asset exposure rather than a direct consumer lending competitor, offering a different risk-return profile.
Frequently Asked Questions
What does FirstCash Holdings do?
FirstCash operates retail pawn stores across the United States, Mexico, and several other Latin American countries. The business lends money against pledged personal property and resells merchandise when loans go unredeemed. It also processes scrap precious metals for commodity markets.
Does FCFS pay dividends?
Yes, FirstCash pays a regular dividend. This is notable for a mid-cap company that is also actively expanding its store count internationally. The dividend reflects consistent cash generation from its large, established pawn store network. Full yield details are available inside the UQS platform.
When does FCFS report earnings?
FirstCash reports earnings on a quarterly basis, in line with standard US-listed company practice. For exact dates and the most recent results, check the investor relations section of the FirstCash Holdings website directly.
Is FCFS a good stock to buy?
UQS Score rates FCFS as Good overall. The Growth and Valuation pillars are both rated Good, while the Moat pillar is Weak and Quality is Neutral. Whether it fits your portfolio depends on your priorities — the full pillar breakdown is available to UQS Pro members.
Is FCFS overvalued?
The UQS Valuation pillar for FCFS is rated Good, suggesting the stock is not trading at a significant premium relative to its fundamentals. That said, valuation is one of five pillars — the complete picture requires reviewing Quality, Growth, Moat, and Risk together.
How does FCFS compare to its competitors?
FirstCash's pawn store model is distinct from most financial services peers. Compared to consumer lenders like OneMain Holdings, FirstCash uses physical collateral rather than credit-based underwriting. This reduces default risk but also limits scalability relative to digital-first lenders.
What is FCFS's market cap bracket?
FirstCash Holdings is classified as a mid-cap company. This places it in a range typically associated with established businesses that have moved beyond early growth stages but still carry meaningful expansion potential, particularly in international markets.
Who founded FirstCash Holdings?
FirstCash was incorporated in 1988 and formally established in 1991. Founding details are widely available through public company filings and financial history resources. The company has grown significantly since its origins into one of the largest pawn operators in the Americas.
Is FCFS a long-term quality investment?
From a long-term quality standpoint, FCFS presents a mixed picture. The Good Growth rating and regular dividend are positives. However, the Weak Moat rating raises questions about durable competitive advantages over a multi-year horizon. UQS Pro members can view the complete pillar analysis to assess long-term fit.
What is the main competitive advantage of FirstCash?
FirstCash's primary advantage is its scale — operating thousands of stores across the US and Latin America creates geographic density that smaller pawn operators cannot easily replicate. However, the UQS Moat pillar rates this advantage as Weak, reflecting that pawn lending itself has low barriers to entry at the local level.
What sector does FCFS belong to?
FirstCash Holdings is classified under the Financial Services sector. More specifically, it operates in the consumer lending and alternative finance niche, serving customers who may not have access to traditional bank credit through its collateral-based pawn loan model.
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Pro Analysis
FCFS — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 56.7 | 54.5 | 37.0 | 68.2 | 61.9 | 72.6 | -3.4 |
| May 7, 2026 | 60.1 | 56.6 | 37.0 | 68.2 | 79.9 | 73.8 | -0.1 |
| Apr 26, 2026 | 60.2 | 56.6 | 37.0 | 68.2 | 79.9 | 74.6 | -0.5 |
| Apr 25, 2026 | 60.7 | 56.6 | 37.0 | 69.2 | 79.9 | 76.2 | +4.2 |
| Apr 23, 2026 | 56.5 | 55.3 | 37.0 | 65.7 | 59.7 | 75.5 | 0.0 |
| Apr 21, 2026 | 56.5 | 55.4 | 37.0 | 65.7 | 59.7 | 75.5 | +0.1 |
| Apr 19, 2026 | 56.4 | 55.3 | 37.0 | 65.7 | 59.7 | 75.2 | -0.1 |
| Apr 18, 2026 | 56.5 | 55.3 | 37.0 | 65.7 | 59.7 | 75.6 | -0.6 |
| Apr 17, 2026 | 57.1 | 55.2 | 37.0 | 65.7 | 59.7 | 79.4 | 0.0 |
| Apr 15, 2026 | 57.1 | 55.6 | 37.0 | 65.7 | 59.7 | 79.4 | 0.0 |
FCFS — Pillar Breakdown
Quality
— 54.5/100 (25%)FirstCash Holdings, Inc has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 68.2/100 (20%)FirstCash Holdings, Inc demonstrates healthy growth trends across revenue and earnings.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 61.9/100 (15%)FirstCash Holdings, Inc maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 72.8/100 (15%)FirstCash Holdings, Inc trades at a reasonable valuation with decent earnings yield and FCF multiples.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 37/100 (25%)FirstCash Holdings, Inc possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for FCFS.
Score Composition
Financial Data
More Stock Analysis
How is the FCFS UQS Score Calculated?
The UQS (Unified Quality Score) for FirstCash Holdings, Inc is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses FirstCash Holdings, Inc's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether FirstCash Holdings, Inc is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.