FirstCash Holdings, Inc. (FCFS) Stock Price & Analysis
FirstCash Holdings, Inc. (FCFS) closed at USD 184.78 on Thursday, October 22, 2026, down 14.75% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 216.75; the Oct 22, 2026 session ranged USD 180–216.9 on volume of 1,782,268 shares. Market capitalization is $8.01B, with a 52-week range of USD 146.77–238.93 (NMS). Source: Nexqual, retrieved October 23, 2026 at 09:58 UTC.
Also available as compact Markdown for AI agents: nexqual.com/FCFS.md
Key facts (FCFS)
- Last four reported quarters (through Jun 30, 2026): revenue $4.12B, net income $388M (9.4% margin) (SEC filings).
- Valuation: P/E 20.6x (avg 20.7x at the last 3 fiscal year-ends), net debt $2.17B.
- Insider open-market sales, last ~7 months: 10 Form 4 filings, $9.3M; 4 not under a Rule 10b5-1 plan ($3.4M); 0 by opportunistic insiders, 2 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Buy (mean 2.00 on a 1–5 scale) (4 analysts), mean target USD 249.25 (range 242–255).
- Total return with dividends: 1Y +20.4% vs S&P 500 +14.9%; 5Y +116.5% vs S&P 500 +80.3%.
- Next earnings: 2026-10-22, EPS estimate USD 3.07, revenue estimate $1.11B.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (FCFS)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $1.70B | $2.73B | $3.15B | $3.39B | $3.66B | $4.12B |
| Gross profit | $919M | $1.26B | $1.51B | $1.63B | $1.84B | — |
| Net income | $125M | $253M | $219M | $259M | $330M | $388M |
| EPS (diluted) | $3.04 | $5.36 | $4.80 | $5.73 | $7.42 | — |
| Free cash flow | $181M | $434M | $356M | $472M | $531M | — |
| Gross margin | 54.1% | 46.3% | 47.8% | 48.1% | 50.3% | — |
| Net margin | 7.4% | 9.3% | 7.0% | 7.6% | 9.0% | 9.4% |
| Revenue growth | +4.1% | +60.6% | +15.5% | +7.5% | +8.0% | — |
| Cash + short-term investments | $120M | $117M | $127M | $175M | $125M | — |
| Total debt | $1.29B | $1.37B | $1.61B | $1.73B | $2.21B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (FCFS)
P/E 20.6x · P/S 1.9x · EV/Sales 2.5x · P/B 3.5x · Earnings yield 4.84% · Dividend yield (paid, TTM) 0.92% · Buyback yield (TTM) 2.15% · Net debt $2.17B · EV $10.2B
P/E at fiscal year-ends: Dec 2025 21.5x, Dec 2024 18.1x, Dec 2023 22.6x.
Insider sales (SEC Form 4, open-market, last ~7 months) (FCFS)
6 of 10 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-09-03 | Graves James H | Director | 3,750 | $830K | 25.1% | No | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-18 | Hambleton Howard F | AFF President | 2,000 | $426K | 6.2% | Yes | Too little history (no open-market trades in 2024) |
| 2026-08-17 | Stuart Thomas Brent | President and COO | 5,348 | $1.1M | 3.8% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-17 | Orr R Douglas | EVP & Chief Financial Officer | 3,000 | $648K | 1.7% | Yes | Routine (sold in Nov each year 2023–2025; this trade is outside those months) |
| 2026-06-05 | Ramos Raul | SVP Latin American Operations | 6,835 | $1.5M | 22.3% | No | Too little history (no open-market trades in 2024 or 2025) |
| 2026-05-28 | Ramos Raul | SVP Latin American Operations | 3,165 | $732K | 9.4% | No | Too little history (no open-market trades in 2024 or 2025) |
| 2026-05-19 | Hambleton Howard F | AFF President | 3,000 | $679K | 8.5% | Yes | Too little history (no open-market trades in 2024) |
| 2026-05-18 | Stuart Thomas Brent | President and COO | 10,000 | $2.3M | 6.6% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-05-18 | Orr R Douglas | EVP & Chief Financial Officer | 3,000 | $682K | 1.7% | Yes | Routine (sold in Nov each year 2023–2025; this trade is outside those months) |
| 2026-05-01 | Garrett Paula K | Director | 1,500 | $326K | 18.6% | No | Too little history (no open-market trades in 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (FCFS)
Consensus Buy (mean 2.00 on a 1–5 scale), 4 analysts; mean target USD 249.25 (low 242, high 255).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-15 | Canaccord Genuity | Target raised | Buy | $252 → $265 |
| 2026-10-06 | TD Cowen | Target raised | Buy | $240 → $242 |
| 2026-10-01 | Stephens & Co. | Reiterated | Overweight | $250 |
| 2026-08-10 | Loop Capital | Upgrade | Hold → Buy | $255 |
| 2026-07-07 | TD Cowen | Target raised | Buy | $235 → $240 |
Total return (dividends reinvested) (FCFS)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | +20.4% | +116.5% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +20.5% | +16.7% |
| Volatility (annualized) | 35.6% | 27.5% |
| Max drawdown | -21.9% (Aug 2026→Oct 2026) | -30.0% (Oct 2021→Nov 2021) |
FCFS revenue by region (fiscal year ended Dec 31, 2025)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| UNITED STATES | $2.62B | 71.6% | +1.7% |
| Mexico | $836.2M | 22.8% | +9.4% |
| UNITED KINGDOM | $150.7M | 4.1% | — |
| Other Latin America | $53.3M | 1.5% | +12.3% |
| Total revenue | $3.66B | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
FCFS analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Dec 2026) | $3.07 | $3.35 | -8.5% | $1.11B | 3 |
| Next quarter (ends Mar 2027) | $2.82 | $2.94 | -4.1% | $1.13B | 4 |
| Current fiscal year (ends Dec 2026) | $10.88 | $11.29 | -3.6% | $4.36B | 2 |
| Next fiscal year (ends Dec 2027) | $12.84 | $13.05 | -1.6% | $4.66B | 4 |
FCFS options: expected move
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 28 | 41.7% | ±9.1% |
| Dec 18, 2026 | 56 | 39.4% | ±12.4% |
| Mar 19, 2027 | 147 | 37.6% | ±19.0% |
| Jun 17, 2027 | 237 | 38.7% | ±24.6% |
30-day implied volatility 40.3% vs 50.2% realized over the last 30 trading days. Put/call ratio (volume) 2.37. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 09:58 UTC)
| Price | USD 184.78 |
|---|---|
| Change | ▼ 14.75% (down) |
| Previous Close | USD 216.75 |
| Open | USD 216.9 |
| Day Range | USD 180 – 216.9 |
| 52-Week Range | USD 146.77 – 238.93 |
| Volume | 1,782,268 shares |
| Market Cap | $8.01B |
| Exchange | NMS |
Technical Analysis (FCFS)
Nexqual's technical model rates FCFS "SELL" based on 3 bullish and 5 bearish signals across 127 daily candles, as of October 23, 2026 at 09:58 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 21.22 (oversold) |
| vs SMA50 | Below (USD 217.01) |
| MACD | -2.72 (negative) |
Analyst Ratings (FCFS)
Wall Street analysts rate FCFS "Buy" based on 4 analysts, with a mean price target of USD 249.25 (range USD 242–255), per Nexqual as of October 23, 2026 at 09:58 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 4 |
| Mean Target | USD 249.25 |
| High Target | USD 255 |
| Low Target | USD 242 |
| Buy / Hold / Sell | 4 / 0 / 0 |
Earnings (FCFS)
| Next Earnings Date | 2026-10-22 |
|---|---|
| EPS Estimate | USD 3.07 |
| Revenue Estimate | $1.11B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-09-30 | USD 2.68 vs est 2.63 ▲ beat |
| 2026-06-30 | USD 2.5 vs est 2.39 ▲ beat |
| 2026-03-31 | USD 2.69 vs est 2.39 ▲ beat |
| 2025-12-31 | USD 2.64 vs est 2.53 ▲ beat |
Source: Nexqual, October 23, 2026 at 09:58 UTC.
Financials & Fundamentals (FCFS)
| Total Revenue | $4.29B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +17.70% |
| Gross Margin | +57.01% |
| Operating Margin | +16.11% |
| Profit Margin | +9.48% |
| ROE | +18.18% |
| Debt / Equity | 1.24 |
| Current Ratio | 4.81 |
| Total Cash | $203.16M |
| Total Debt | $2.81B |
| Free Cash Flow (fiscal year ended Dec 2025, SEC 10-K) | $531.04M (14.5% of revenue) |
Source: Nexqual, October 23, 2026 at 09:58 UTC.
Financial Health Score (FCFS)
Nexqual rates FirstCash Holdings, Inc.'s overall financial health "Solid" across five dimensions, as of October 23, 2026 at 09:58 UTC.
| Growth | Solid — Revenue +8% YoY (annual) |
|---|---|
| Profitability | Strong — Gross margin 57%, operating 16% (last 12 months) |
| Balance Sheet | Mixed — $172M cash and investments vs $2.35B debt (Jun 2026, SEC) |
| Cash Flow | Solid — FCF $531M (FY ended Dec 2025, 10-K), 15% margin |
| Efficiency | Solid — ROE 18%, ROA 8.2% |
Ownership (FCFS)
| Insider Ownership | +8.43% |
|---|---|
| Institutional Ownership | +100.54% |
| Shares Outstanding | 43.37M |
| Float | 39.68M |
| Short % of Float | +6.46% |
Source: Nexqual, October 23, 2026 at 09:58 UTC.
Leadership (FCFS)
FirstCash Holdings, Inc. is led by Rick L. Wessel, Vice Chairman & CEO, per Nexqual as of October 23, 2026 at 09:58 UTC.
| Vice Chairman & CEO | Rick L. Wessel |
|---|---|
| President, COO & Director | Thomas Brent Stuart |
| Executive VP, CFO, Treasurer & Secretary | R. Douglas Orr |
| Senior Vice President of Latin American Operations | Raul R. Ramos |
| AFF President | Howard F Hambleton |
Major Backers & Investors (FCFS)
Notable institutional backers of FirstCash Holdings, Inc. include FMR, LLC, Earnest Partners LLC, Price (T.Rowe) Associates Inc, according to Nexqual as of October 23, 2026 at 09:58 UTC.
Active Investors
| Investor | Stake |
|---|---|
| FMR, LLC | 7.03% |
| Earnest Partners LLC | 4.86% |
| Price (T.Rowe) Associates Inc | 3.34% |
| Hood River Capital Management LLC | 2.82% |
| Bank of America Corporation | 2.64% |
| SmallCap World Fund Inc | 2.6% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 11.6% |
| Vanguard Group | 8.58% |
| State Street | 3.48% |
| Geode Capital | 2.86% |
Source: Nexqual, October 23, 2026 at 09:58 UTC.
From FirstCash Holdings, Inc.'s Latest SEC 10-K Filing (filed 2026-02-09)
Key Strengths & Strategy (as disclosed to the SEC)
- The Company relies on a combination of trademarks, trade dress, trade secrets, proprietary software, website domain names and other rights, including confidentiality procedures and contractual provisions, to protect its proprietary technology, processes and other intellectual property.
- The Company enters into agreements with its employees, consultants and partners, and through these and other confidentiality or non-compete agreements, the Company attempts to control access to and distribution of its software, documentation and other proprietary technology and information.
Partnerships
- Merchant partners are subject to suspension and/or termination if, based upon the results of AFF's monitoring, they are found to be out of compliance with the merchant agreement, have low lease or loan quality performance, have elevated customer complaint volume or fail to comply with applicable laws.
Legal & Regulatory Risks (Item 1A, quoted)
- The adoption of new laws or regulations or adverse changes in, or the interpretation or enforcement of, existing laws or regulations affecting the Company's products and services could adversely affect its financial condition and operating results.
- Current and future litigation or regulatory proceedings, in the U.S., Latin America and the U.K., could have a material adverse effect on the Company's business, prospects, results of operations and financial condition.
- Risks Related to Financial and Tax Matters
- The Company's existing and future levels of indebtedness could adversely affect its financial health, its ability to obtain financing in the future, its ability to react to changes in its business and its ability to fulfill its obligations under such indebtedness.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
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Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:58 UTC. This page is informational and not investment advice.
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