📊 FCFS Key Takeaways
Is FCFS a Good Investment? Thesis Analysis
FirstCash demonstrates exceptional financial health with robust profitability metrics, strong revenue growth of 119.4% YoY, and excellent cash generation (FCF of $531M). The company maintains solid balance sheet strength with conservative leverage (0.98x Debt/Equity), strong liquidity (4.55x current ratio), and healthy interest coverage of 8.8x, indicating low financial distress risk.
Why Buy FCFS? Key Strengths
- Exceptional revenue growth of 119.4% YoY with net income growing 27.6% YoY
- Strong and stable gross margin of 50.3% demonstrating pricing power and operational efficiency
- Excellent free cash flow generation of $531M with 14.5% FCF margin, providing flexibility for growth investments and shareholder returns
- Conservative capital structure with Debt/Equity of 0.98x and interest coverage of 8.8x indicating low financial risk
- Outstanding liquidity metrics with 4.55x current ratio and 3.36x quick ratio providing substantial operational cushion
FCFS Investment Risks to Consider
- Massive 119.4% revenue growth may not be sustainable and could be driven by one-time acquisitions or market anomalies requiring verification of organic growth
- Operating margin of 12.2% is relatively modest despite strong top-line growth, suggesting operational leverage challenges or integration costs that need monitoring
- High absolute debt level of $2.2B relative to operating cash flow of $585.9M indicates approximately 3.8x debt-to-operating-cash-flow, limiting financial flexibility if cash flows decline
Key Metrics to Watch
- Operating margin expansion and sustainability of gross margin percentage
- Organic revenue growth rate and verification that growth is not entirely acquisition-driven
- Free cash flow stability and conversion rate relative to net income
- Debt reduction trajectory and progress toward more optimal leverage ratios
- Return on Equity and Return on Assets sustainability given significant capital base
FCFS Financial Metrics
💡 AI Analyst Insight
Strong liquidity with a 4.55x current ratio provides a solid financial cushion.
FCFS Profitability Ratios
FCFS vs Consumer Sector
How FirstCash Holdings, Inc. compares to Consumer sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is FCFS Overvalued or Undervalued?
Based on fundamental analysis, FirstCash Holdings, Inc. has mixed fundamental signals relative to the Consumer sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
FCFS Balance Sheet & Liquidity
FCFS 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: FirstCash Holdings, Inc.'s revenue has grown significantly by 42% over the 5-year period, indicating strong business expansion. The most recent EPS of $4.80 reflects profitable operations.
FCFS Growth Metrics (YoY)
FCFS Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $363.1M | $49.1M | $1.44 |
| Q2 2025 | $363.5M | $49.1M | $1.08 |
| Q1 2025 | $366.8M | $61.4M | $1.35 |
| Q3 2024 | $335.1M | $45.2M | $1.26 |
| Q2 2024 | $320.9M | $45.2M | $0.99 |
| Q1 2024 | $327.9M | $47.4M | $1.02 |
| Q3 2023 | $300.9M | $28.0M | $1.26 |
| Q2 2023 | $298.3M | $28.0M | $0.99 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
FCFS Capital Allocation
FCFS SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for FirstCash Holdings, Inc. (CIK: 0000840489)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FCFS
What is the AI rating for FCFS?
FirstCash Holdings, Inc. (FCFS) has an AI rating of STRONG BUY with 87% confidence, based on fundamental analysis of SEC EDGAR filings.
What are FCFS's key strengths?
Claude: Exceptional revenue growth of 119.4% YoY with net income growing 27.6% YoY. Strong and stable gross margin of 50.3% demonstrating pricing power and operational efficiency.
What are the risks of investing in FCFS?
Claude: Massive 119.4% revenue growth may not be sustainable and could be driven by one-time acquisitions or market anomalies requiring verification of organic growth. Operating margin of 12.2% is relatively modest despite strong top-line growth, suggesting operational leverage challenges or integration costs that need monitoring.
What is FCFS's revenue and growth?
FirstCash Holdings, Inc. reported revenue of $3.7B.
Does FCFS pay dividends?
FirstCash Holdings, Inc. pays dividends, with $70.9M distributed to shareholders in the trailing twelve months.
Where can I find FCFS SEC filings?
Official SEC filings for FirstCash Holdings, Inc. (CIK: 0000840489) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FCFS's EPS?
FirstCash Holdings, Inc. has a diluted EPS of $7.42.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FCFS a good stock to buy right now?
Based on our AI fundamental analysis in March 2026, FirstCash Holdings, Inc. has a STRONG BUY rating with 87% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is FCFS stock overvalued or undervalued?
Valuation metrics for FCFS: ROE of 14.5% (sector avg: 18%), net margin of 9.0% (sector avg: 8%). Compare these metrics with sector averages to assess valuation.
Should I buy FCFS stock in 2026?
Our dual AI analysis gives FirstCash Holdings, Inc. a combined STRONG BUY rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is FCFS's free cash flow?
FirstCash Holdings, Inc.'s operating cash flow is $585.9M, with capital expenditures of $54.9M. FCF margin is 14.5%.
How does FCFS compare to other Consumer stocks?
Vs Consumer sector averages: Net margin 9.0% (avg: 8%), ROE 14.5% (avg: 18%), current ratio 4.55 (avg: 1.5).