FIRSTCASH HOLDINGS INC (FCFS)
Financials · Consumer Finance & Pawn/Alternative Lending · NASDAQ
FirstCash operates a diversified financial services and retail platform combining pawnshops, lease-to-own, consumer finance, and point-of-sale payment solutions across the US, Latin America, and the UK.
What FIRSTCASH HOLDINGS INC does
FirstCash is a consumer finance and retail company operating through pawnshops, lease-to-own (LTO) stores, retail finance products, and point-of-sale (POS) payment solutions. The company serves credit-constrained consumers and merchants across the United States, Latin America, and the United Kingdom. It generates revenue from pawn loans, retail product sales, lease-to-own transactions, consumer finance products, and merchant payment processing services. The company also acquires and integrates retail and financial services businesses to expand its geographic and product footprint.
Themes: ["Consumer finance / credit-constrained consumers","Pawn lending and collateral-based loans","Lease-to-own retail financing","Point-of-sale payment solutions","Alternative financial services","Precious metals and commodity trading"]
Fundamentals
- Price$221.42 as of 2026-07-09 close
- Market cap$9.7B as of 2026-07-10
- 1-year return+65.6% as of 2026-07-09 close
- P/E27.38 as of 2026-07-10
- Net margin+9.2% as of 2026-07-10
- Gross margin+50.5% as of 2026-07-10
- ROE+15.9% as of 2026-07-10
- Debt / equity0.98 as of 2026-07-10
- Revenue growth (YoY)+14.4% as of 2026-07-10
- Revenue CAGR (3y)+10.3% SEC XBRL
- Beta0.53 as of 2026-07-10
Dividend: yield +0.8%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Extensive regulatory environment across US, Latin America, and UK; uncertainty around regulatory changes and enforcement that could impact consumer finance, pawn, and LTO products, particularly given public perception of such products as predatory","Economic deterioration, inflation, elevated interest rates, and reduced discretionary consumer spending could decrease demand for pawn loans, LTO, retail finance, and retail products","Currency fluctuations in Latin America (Mexican peso) and UK (British pound sterling) could materially impact financial results"]
Competitors & peers
- Pawn America
- EZCorp
- Online consumer lenders and BNPL providers (e.g., Affirm)
- Banks and credit unions offering consumer lending
- Buy-now/pay-later companies
- Lease-to-own retailers
- General and specialty retailers
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.