# FirstCash Holdings Inc. (FCFS) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Consumer Finance. Price $225.62, market value $9.8 billion.

## Valuation
- **P/E (trailing): 25.6×** (5-yr avg 20.0×, 3-yr avg 20.4×). FirstCash Holdings Inc. trades at 25.6× trailing earnings, well above its own five-year average of 20.0×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 17.2×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.58**. A PEG of 0.58 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 4.0×**. Each dollar of revenue is priced at 4.0×.
- **Price / book: 4.2×**. The shares trade at 4.2× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 3.9%**. The inverse of the P/E: 3.9% of the price is earned each year.

## Profitability
- **Gross margin: 84.8%**. FirstCash Holdings Inc. keeps 84.8% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Net margin: 19.8%**. 19.8% of each dollar of sales reaches the bottom line.
- **Return on equity: 14.5%**. 14.5% on shareholders' equity is solid.
- **Return on assets: 7.3%**. Each dollar of assets produces 7.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 10.7%** (3-yr 9.8%/yr, 5-yr 9.2%/yr). Revenue grew 10.7% over the last year, against 9.2% a year compounded over five years.
- **EPS growth (1 yr): 29.5%** (3-yr 11.4%/yr, 5-yr 23.7%/yr). Earnings per share rose 29.5%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 7.0%/yr**. Free cash flow has compounded at 7.0% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $125 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 0.74%** ($1.68 per share, trailing). FirstCash Holdings Inc. yields 0.74%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 21%**. 21% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 10**. 10 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 8.2%/yr** (1-yr 9.6%). The dividend has grown 8.2% a year over five years.

## Price and momentum
- **Total return (1 yr): 50.6%** (YTD 42.1%, 3-mo 0.1%). The shares are up 50.6% over twelve months including dividends.
- **From 52-week high: -5.6%** (56.1% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 57**. An RSI of 57 is neutral.
- **Beta (1 yr): 0.54** (volatility 32%). Beta of 0.54 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FCFS · Page: https://foliofundamentals.com/stocks/fcfs

Not investment advice.