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FirstCash Holdings, Inc. (FCFS) Stock Analysis

HoldModerate Confidence

Financial Services · Credit Services

Hold if already holding. Not a fresh buy at $226.01, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.3% away).

FirstCash Holdings is the largest international operator of pawn stores with 3,000+ locations across the U.S., Latin America, and rest of world, plus a U.S. lease-to-own platform (AFF). Revenue comes from pawn service charges, retail merchandise sales, and consumer lending/lease... Read more

$226.01+2.2% A.UpsideScore 5.9/10#16 of 28 Credit Services
QualityF-score8 / 9FCF yield1.93%
IncomeYield0.75%(5y avg 1.31%)Payout20.55%sustainable
Stop $213.68Target $230.82(resistance)A.R:R -0.7:1
Analyst target$241.40+6.8%5 analysts
$230.82our TP
$226.01price
$241.40mean
$220
$252

Hold if already holding. Not a fresh buy at $226.01, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.3% away). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 5.9/10, moderate confidence.

Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 71d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: moderate.

Recent Developments — FirstCash Holdings, Inc.

Generated 2026-05-20T20:21:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (4/4)
Strong growth profile
Risks
Analyst target reached - limited upside remaining
Near 52-week high (4.3% away)
Leverage penalty (D/E 1.1): -0.5

Key Metrics

P/E (TTM)28.2
P/E (Fwd)18.1
Mkt Cap$9.9B
EV/EBITDA16.9
Profit Mgn9.1%
ROE16.3%
Rev Growth25.7%
Beta0.53
Dividend0.75%
Rating analysts13

Quality Signals

Piotroski F8/9MoatNarrow

Options Flow

P/C0.59bullish
IV39%normal

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Macd
0.0
Obv
1.0
Volume
1.6
Rsi
5.0
Ma Position
9.0
Volume distribution (falling OBV)Above 200-day MA
GatesMomentum 3.3<4.5A.R:R -0.7=NEGATIVEInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 71d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Moderate
RSI
65 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $204.17Resistance $235.53

Price Targets

$214
$231
A.Upside+2.1%
A.R:R-0.7:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (-7.0% upside)
! Momentum score 3.3/10 — below 4.5 minimum
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-30 (71d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is FCFS stock a buy right now?

Hold if already holding. Not a fresh buy at $226.01, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.3% away). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $230.82 (+2.1%), stop $213.68 (−5.8%), A.R:R -0.7:1. Score 5.9/10, moderate confidence.

What is the FCFS stock price target?

Take-profit target: $230.82 (+2.2% upside). Target $230.82 (+2.1%), stop $213.68 (−5.8%), A.R:R -0.7:1. Stop-loss: $213.68.

What are the risks of investing in FCFS?

Analyst target reached - limited upside remaining; Near 52-week high (4.3% away); Leverage penalty (D/E 1.1): -0.5.

Is FCFS overvalued or undervalued?

FirstCash Holdings, Inc. trades at a P/E of 28.2 (forward 18.1). TrendMatrix value score: 6.1/10. Verdict: Hold.

What do analysts say about FCFS?

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 largest international operator of pawn stores with 3,000+ locations across the U.S., Latin...

FirstCash Holdings is the largest international operator of pawn stores with 3,000+ locations across the U.S., Latin America, and rest of world, plus a U.S. lease-to-own platform (AFF). Revenue comes from pawn service charges, retail merchandise sales, and consumer lending/lease fees; no single geographic market or customer represents a material concentration.

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