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FirstCash Holdings, Inc. (FCFS) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

FirstCash Holdings, Inc.

FCFSMarket cap $9.24BPrice $213.0

Country🇺🇸United States

SectorFinancials

IndustryConsumer Finance

Runs pawn shops and rent-to-own stores across the US and Latin America, lending cash to people banks won't touch. Operates over 2,800 locations, making it the largest pawnbroker on the planet.

In Bastion Portfolios?

52W Return+36%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+10%7

Revenue Forecast

Rev CAGR (1y)+19%8

Rev CAGR (3y)+14%8

Rev CAGR (5y)+11%8

Earnings Forecast

EPS Growth Y+1+50%9

EPS Growth Y+2+16%8

EPS Growth Y+3+17%8

Quality

Margins

EBIT Margin16%7

Net Income Margin9%5

Free Cash Flow Margin15%7

Debt

Net Debt/EBITDA2.63

Efficiency

ROE17%7

ROA8%8

Earnings Stability88

GEAR+VERY STRONG93

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)185

P/E Ratio (Forward 3y)145

P/BV4.04

EV Multiples

EV/EBITDA Fwd135

EV/EBIT Fwd205

Yield

Free Cash Flow Yield0.0%4

Dividend Yield0.8%3

Momentum

Short term

1 month return-6%4

3 month return-4%5

YTD return+34%9

Mid term

Price vs 52wHigh89%8

1 year return+40%8

Long term

3 year return+119%8

5 year return+162%8

Risk Shield

Price Risk

Beta0.29

Volatility32%6

Free Cash Flow

Free Cash Flow Margin15%7

Free Cash Flow Yield0.0%4

Quality

ROCE14%8

Earnings Stability88

Net Debt/EBITDA2.63

02Growth

Is it actually growing, and how fast?

FCFSFirstCash Holdings

Revenue FY25$3.7B

GROWTH RATING↗

STRONG80 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+10%7

Revenue, next 1Y+19%8

Revenue, next 3Y, CAGR+14%8

Revenue, next 5Y, CAGR+11%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+50%9

EPS growth, FY27E+16%8

EPS growth, FY28E+17%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 80% of companies worldwide.

Revenue grew 10%/yr over the last 3 years, ahead of 60% of companies worldwide.7/10

Revenue is set to grow 14%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 10%/yr over the last 3 years and is set to grow 14%/yr from here.

The runway holds up: revenue is set to grow 11%/yr over five years.8/10

Earnings are set to grow in step with sales (EPS about 17%/yr vs revenue 14%/yr).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG70 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return-4%5

YTD return+34%9

MID & LONG-TERM▾SCORE

% of 52-week high89%8

1-year return+40%8

3-year return+119%8

5-year return+162%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +119% over three years and +162% over five, ahead of 70% of the market.

It's up 40% over the past year, but 11% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+34%).

WATCH

Returns sit at the market level over the past month (-6%) and over three months (-4%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on FirstCash Holdings, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

FCFSFirstCash Holdings

Revenue FY25$3.7B

GROWTH RATING↗

STRONG80 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+10%7

Revenue, next 1Y+19%8

Revenue, next 3Y, CAGR+14%8

Revenue, next 5Y, CAGR+11%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+50%9

EPS growth, FY27E+16%8

EPS growth, FY28E+17%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 80% of companies worldwide.

Revenue grew 10%/yr over the last 3 years, ahead of 60% of companies worldwide.7/10

Revenue is set to grow 14%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 10%/yr over the last 3 years and is set to grow 14%/yr from here.

The runway holds up: revenue is set to grow 11%/yr over five years.8/10

Earnings are set to grow in step with sales (EPS about 17%/yr vs revenue 14%/yr).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG70 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return-4%5

YTD return+34%9

MID & LONG-TERM▾SCORE

% of 52-week high89%8

1-year return+40%8

3-year return+119%8

5-year return+162%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +119% over three years and +162% over five, ahead of 70% of the market.

It's up 40% over the past year, but 11% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+34%).

WATCH

Returns sit at the market level over the past month (-6%) and over three months (-4%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on FirstCash Holdings, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community