FirstCash Holdings, Inc.

NasdaqGS:FCFS Stock Report

Market Cap: US$4.6b

FirstCash Holdings Valuation

Is FCFS undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of FCFS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: FCFS ($102.59) is trading above our estimate of fair value ($77.43)

Significantly Below Fair Value: FCFS is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for FCFS?

Key metric: As FCFS is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for FCFS. This is calculated by dividing FCFS's market cap by their current earnings.
What is FCFS's PE Ratio?
PE Ratio18.8x
EarningsUS$244.86m
Market CapUS$4.64b

Price to Earnings Ratio vs Peers

How does FCFS's PE Ratio compare to its peers?

The above table shows the PE ratio for FCFS vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average16.2x
QFIN Qifu Technology
8x9.6%US$6.0b
NNI Nelnet
33.4xn/aUS$3.9b
BFH Bread Financial Holdings
9.5x12.9%US$3.0b
ENVA Enova International
14x23.8%US$2.5b
FCFS FirstCash Holdings
18.8x17.9%US$4.6b

Price-To-Earnings vs Peers: FCFS is expensive based on its Price-To-Earnings Ratio (18.8x) compared to the peer average (16.2x).

Price to Earnings Ratio vs Industry

How does FCFS's PE Ratio compare vs other companies in the US Consumer Finance Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
YRD Yiren Digital
1.7xn/aUS$417.29m
AIJT.Y Jianpu Technology
2xn/aUS$6.34m
No more companies available in this PE range
FCFS 18.8xIndustry Avg. 11.4xNo. of Companies6PE0816243240+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: FCFS is expensive based on its Price-To-Earnings Ratio (18.8x) compared to the US Consumer Finance industry average (11.4x).

Price to Earnings Ratio vs Fair Ratio

What is FCFS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

FCFS PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio18.8x
Fair PE Ratio18x

Price-To-Earnings vs Fair Ratio: FCFS is expensive based on its Price-To-Earnings Ratio (18.8x) compared to the estimated Fair Price-To-Earnings Ratio (18x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst FCFS forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$102.59
US$135.20
+31.8%
7.6%US$150.00US$119.00n/a5
Dec ’25US$108.86
US$135.20
+24.2%
7.6%US$150.00US$119.00n/a5
Nov ’25US$106.08
US$134.75
+27.0%
8.5%US$150.00US$119.00n/a4
Oct ’25US$114.19
US$135.00
+18.2%
9.2%US$150.00US$116.00n/a4
Sep ’25US$120.09
US$135.00
+12.4%
9.2%US$150.00US$116.00n/a4
Aug ’25US$112.68
US$135.00
+19.8%
9.2%US$150.00US$116.00n/a4
Jul ’25US$104.02
US$137.25
+31.9%
6.6%US$150.00US$125.00n/a4
Jun ’25US$117.92
US$138.75
+17.7%
6.4%US$150.00US$125.00n/a4
May ’25US$114.73
US$138.75
+20.9%
6.4%US$150.00US$125.00n/a4
Apr ’25US$125.52
US$133.50
+6.4%
7.3%US$150.00US$125.00n/a4
Mar ’25US$115.04
US$133.50
+16.0%
7.3%US$150.00US$125.00n/a4
Feb ’25US$119.68
US$135.00
+12.8%
6.8%US$150.00US$125.00n/a5
Jan ’25US$108.39
US$122.80
+13.3%
5.3%US$131.00US$115.00US$103.605
Dec ’24US$112.92
US$122.80
+8.7%
5.3%US$131.00US$115.00US$108.865
Nov ’24US$107.40
US$122.80
+14.3%
5.3%US$131.00US$115.00US$106.085
Oct ’24US$100.38
US$112.83
+12.4%
7.5%US$125.00US$100.00US$114.196
Sep ’24US$91.67
US$112.83
+23.1%
7.5%US$125.00US$100.00US$120.096
Aug ’24US$97.69
US$112.83
+15.5%
7.5%US$125.00US$100.00US$112.686
Jul ’24US$93.33
US$114.50
+22.7%
5.7%US$125.00US$105.00US$104.026
Jun ’24US$97.40
US$112.43
+15.4%
7.0%US$125.00US$100.00US$117.927
May ’24US$100.79
US$112.43
+11.5%
7.0%US$125.00US$100.00US$114.737
Apr ’24US$95.37
US$102.71
+7.7%
11.5%US$120.00US$90.00US$125.527
Mar ’24US$88.64
US$102.71
+15.9%
11.5%US$120.00US$90.00US$115.047
Feb ’24US$91.76
US$102.29
+11.5%
11.6%US$120.00US$90.00US$119.687
Jan ’24US$86.91
US$99.86
+14.9%
10.0%US$115.00US$88.00US$108.397

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/02 02:17
End of Day Share Price 2025/01/02 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

FirstCash Holdings, Inc. is covered by 21 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Elizabeth Pierce LaddAscendiant Capital Markets LLC
Gilberto GarciaBarclays
Vincent CainticBTIG