FirstCash Holdings, Inc. (FCFS) Stock Analysis
Financial Services · Credit Services
Hold if already holding. Not a fresh buy at $218.77, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (3.8% away).
FirstCash Holdings is the leading pawn operator with 3,300+ stores across the US (29 states), Latin America (Mexico, Guatemala, El Salvador, Colombia), and the UK (H&T acquired August 2025). Revenue comes from pawn loan fees, retail merchandise sales of collateral-forfeited... Read more
Hold if already holding. Not a fresh buy at $218.77, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (3.8% away). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Multiple concerning factors. Consider reducing position. | News modifier +2 (SELL_IF_HOLDING → HOLD_IF_HOLDING) Score 6.1/10, moderate confidence.
Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news boost earnings 0.70, news boost analyst 0.70, earnings proximity 90d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMGeographicLatin America10-K Item 1A: 'The Company's financial position and results of operations may fluctuate significantly due to fluctuations in currency exchange rates in most Latin American markets'
- MEDIUMCommoditygold and precious metals10-K Item 1A: 'Declines in commodity market prices of gold, other precious metals and diamonds could negatively affect the Company's profits'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $218.77, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (3.8% away). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Multiple concerning factors. Consider reducing position. | News modifier +2 (SELL_IF_HOLDING → HOLD_IF_HOLDING) Target $222.71 (+1.8%), stop $204.59 (−6.9%), A.R:R -0.3:1. Score 6.1/10, moderate confidence.
Take-profit target: $222.71 (+1.8% upside). Target $222.71 (+1.8%), stop $204.59 (−6.9%), A.R:R -0.3:1. Stop-loss: $204.59.
Analyst target reached - limited upside remaining; Near 52-week high (3.8% away); Leverage penalty (D/E 1.1): -0.5.
FirstCash Holdings, Inc. trades at a P/E of 27.0 (forward 17.4). TrendMatrix value score: 6.2/10. Verdict: Hold.
13 analysts cover FCFS with a consensus score of 4.1/5. Average price target: $241.
What does FirstCash Holdings, Inc. do?FirstCash Holdings is the leading pawn operator with 3,300+ stores across the US (29 states), Latin America (Mexico,...
FirstCash Holdings is the leading pawn operator with 3,300+ stores across the US (29 states), Latin America (Mexico, Guatemala, El Salvador, Colombia), and the UK (H&T acquired August 2025). Revenue comes from pawn loan fees, retail merchandise sales of collateral-forfeited goods, and retail POS payment solutions (AFF).