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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1393
Positioning
Market Dominance
Retail Trade
Retail
$7.0B
Rick L. Wessel
FirstCash Holdings, Inc operates retail pawn stores in the United States, Mexico, and rest of Latin America. Its pawn stores lend money on the collateral of pledged personal property, including jewelry, electronics, tools, appliances, sporting goods, and musical instruments. The company is also involved in melting scrap jewelry, as well as sells gold, silver, and diamonds in commodity markets.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = FCFS ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$ARCO Arcos Dorados Holdings Inc. | 73 | 85 | 89 | 65 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$IMKTA INGLES MARKETS INC | 70 | 73 | 89 | 76 | 11.3x | 4.1x | 6.9% | 4.1% | 24.3% | 2.8% | 1.9% | -3.4% | 1.1% | 33.0x | $1.2B | VS | |
$SGU STAR GROUP, L.P. | 69 | 82 | 79 | 63 | - | - | -25.2% | -10.6% | 28.1% | -6.3% | -5.4% | -7.8% | 6.1% | 57.0x | $396M | VS | |
$EZPW EZCORP INC | 68 | 77 | 82 | 89 | 7.2x | 4.2x | 12.0% | 6.2% | 59.1% | 11.6% | 8.5% | 10.5% | 0.0% | 52.0x | $764M | VS | |
$HTHT H World Group Ltd | 68 | 91 | 44 | 84 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$DDL Dingdong (Cayman) Ltd | 68 | 86 | 82 | 57 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$SBH Sally Beauty Holdings, Inc. | 68 | 83 | 92 | 77 | 5.1x | 2.3x | 32.0% | 6.6% | 51.5% | 8.4% | 4.9% | -1.0% | 0.0% | 178.0x | $934M | VS | |
$SPH SUBURBAN PROPANE PARTNERS LP | 67 | 80 | 90 | 53 | - | 13.0x | 0.4% | -3.5% | 61.7% | 2.1% | -5.7% | 2.2% | 7.1% | 190.0x | $1.2B | VS | |
$IHG INTERCONTINENTAL HOTELS GROUP PLC /NEW/ | 67 | 63 | 81 | 67 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$ROST ROSS STORES, INC. | 67 | 63 | 55 | 83 | 25.2x | 16.5x | 34.8% | 13.3% | 28.0% | 11.6% | 9.1% | 10.4% | 1.0% | 26.0x | $51.6B | VS | |
$FCFS FirstCash Holdings, Inc. | 54 | 23 | 37 | 82 | 27.7x | 5.7x | 12.8% | 5.5% | 50.3% | 61.3% | 8.4% | 12.6% | 1.0% | 98.0x | $7.0B | ||
| SECTOR BENCH | - | - | - | - | - | 21.4x | 9.1x | 9.6% | 3.6% | 37.3% | 4.4% | 2.4% | 3.7% | 0.0% | 0.7x | - | REF |
FirstCash Holdings, Inc. (FCFS) receives a "Hold" rating with a composite score of 54.0/100. It ranks #1393 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Low volatility — smoother ride and historically better risk-adjusted returns
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Retail Trade sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for FCFS.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 23 | 5 | +18ALPHA |
| MOMENTUM | 82 | 91 | -9DRAG |
| VALUATION | 37 | 33 | +4NEUTRAL |
| INVESTMENT | 20 | 3 | +17ALPHA |
| STABILITY | 91 | 96 | -5NEUTRAL |
| SHORT INT | 79 | 91 | -12DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 102.7% vs WACC 8.7% (spread +94.1%)
GM 50% vs sector 37%, OM 61% vs sector 4%
Capital turnover 1.75x
Rev growth 13%, 10yr history
Interest coverage N/A, Net debt/EBITDA 0.9x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate FirstCash Holdings, Inc. (FCFS) as a Hold with a composite score of 54.0/100 at a current price of $185.32. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
FirstCash Holdings, Inc. holds a top-quartile position (#0 of 50) within the Retail Trade sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 54.0/100 places it at rank #1393 in our full universe.
The near-term outlook is constructive, with revenue growing at 13% and momentum in the 82th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
Narrow
Medium
Poor
Fair Value
Gross margins of 50% signal strong pricing power.
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
FirstCash Holdings, Inc. represents a hold based on multi-factor quantitative performance.
Our model assigns FirstCash Holdings, Inc. a Hold rating, with a composite score of 54.0/100 and 3 out of 5 stars. Ranked #1393 of 7,333 stocks, FCFS presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
FirstCash Holdings, Inc. registers a weak quality score of just 23/100, indicating significant profitability challenges. The company reports a return on equity of 12.8% (sector avg: 9.6%), gross margins of 50.3% (sector avg: 37.3%), net margins of 8.4% (sector avg: 2.4%). Low quality scores are often associated with businesses in turnaround mode, early-stage growth, or structurally challenged industries.
With a value score of 37/100, FCFS appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 27.73x, an EV/EBITDA of 5.71x, a P/B ratio of 3.54x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
FirstCash Holdings, Inc.'s investment score of 20/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 12.6% vs. a sector average of 3.7% and a return on assets of 5.5% (sector: 3.6%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
FCFS shows strong momentum characteristics with a score of 82/100. The stock has been trending above key moving averages, indicating solid demand from institutional buyers. Revenue growth stands at 12.6% year-over-year, while a beta of 0.32 reflects its sensitivity to broader market moves. This level of momentum typically signals sustained investor confidence and favorable near-term price action.
FirstCash Holdings, Inc. earns an excellent stability score of 91/100, reflecting low price volatility and a conservatively managed balance sheet. Key stability metrics include a beta of 0.32 and a debt-to-equity ratio of 98.00x (sector avg: 0.7x). Stocks with this level of stability tend to act as portfolio anchors, providing downside protection during market corrections while still participating in broad market advances.
FCFS carries a short interest score of 79/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include elevated leverage (D/E: 98.00x). At $7.0B market cap (mid-cap), FirstCash Holdings, Inc. offers reasonable institutional liquidity.
FCFS offers a modest dividend yield of 1.0%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.
FirstCash Holdings, Inc. is a mid-cap company in the Retail Trade sector, ranked #0 of 50 in its sector (100th percentile) and #1393 of 7,333 overall (81st percentile). Key comparisons include ROE of 12.8% exceeding the 9.6% sector median and operating margins of 61.3% above the 4.4% sector average. This top-quartile standing reflects exceptional competitive strength relative to Retail Trade peers.
While FCFS currently exhibits a HOLD profile, superior opportunities exist within the RETAIL TRADE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Retail Trade Alpha →Quant Factor Profile
Key factor gap
Stability (91) vs Investment (20) — closing this gap could shift the rating.
EV/EBITDA 37% BELOW SECTOR MEDIAN (FAVORABLE)
ROE 33% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 35% ABOVE SECTOR MEDIAN (FAVORABLE)
Above 50MA
37.18%
Net New Highs
+51081

About FirstCash Holdings FirstCash Holdings, Inc, together with its subsidiaries, operates retail pawn stores in the United States, Mexico, and rest of Latin America. Its pawn stores lend money on the collateral of pledged personal property, including jewelry, electronics, tools, appliances, sporting goods, and musical instruments; and retails merchandise acquired through collateral forfeitures on forfeited pawn loans and over-the-counter purchases of merchandise directly from customers. The co

Mastercard (MA) repurchases 4.4 million shares for $2 billion in the first quarter.
FirstCash Holdings (FCFS) exemplifies quality investing with strong returns on capital, reliable earnings growth, and a solid financial position.

FirstCash Holdings has completed its acquisition of H&T Group, the largest pawnbroker in the United Kingdom, for £289 million. The strategic move expands FirstCash's global presence to over 3,300 retail pawn locations across the U.S., Latin America, and the U.K.

FirstCash, a Texas-based pawnshop operator, is expanding into the UK market by acquiring H&T Group, the country's largest pawnbroker chain, in a $394 million all-cash deal. The acquisition strengthens FirstCash's global footprint and positions the company as the largest publicly traded pawn operator across the US, Latin America, and the UK.