Valuation dashboard for FirstCash Holdings, Inc (FCFS) with P/E 20.35, P/B 3.96, EV/EBITDA 10.64 and dividend yield 0.83%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
FirstCash Holdings, Inc., along with its affiliates, oversees a widespread network of retail pawn shops throughout the United States, Mexico, and other parts of Latin America. These establishments provide monetary loans against a diverse range of personal collateral, including jewelry, electronic devices, tools, home appliances, sporting goods, and musical instruments.
Analysis Summary
FirstCash Holdings, Inc reported revenue of $3.66B in the most recent fiscal year, growing at a 5-year CAGR of 17.5%. Net income reached $330.4M, with a 25.4% 5-year CAGR.
Trailing-twelve-month margins: gross margin 48.7%, operating margin 16.0%, net margin 9.5%.
At $187.82 (closing price, October 29, 2026), FCFS trades at a P/E of 20.35 and an ROE of 17.73%. Market capitalisation stands at $8.1B.
Balance sheet quality for FCFS: current ratio of 4.6. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 20.35 |
| Price / Book | 3.96 |
| EV / EBITDA | 10.64 |
| Dividend Yield | 0.83% |
Valuation Models
| DCF Fair Value | $504.96 |
| vs Current Price | +168.9% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| FCFS | FirstCash Holdings, Inc | $8.1B | 20.35 | 3.96 | 17.7% |
| V | Visa Inc. | $770.7B | 34.91 | 19.60 | 64.5% |
| 0R2Z.L | Mastercard Incorporated | $558.2B | 34.24 | 98.02 | 232.5% |
| MA | Mastercard Incorporated | $556.9B | 34.97 | 99.93 | 232.5% |
| AXP | American Express Company | $217.0B | 18.17 | 6.08 | 35.6% |
| COF | Capital One Financial Corporation | $128.1B | 12.32 | 1.16 | 9.7% |
| 0HT4.L | Capital One Financial Corporation | $125.0B | 11.88 | 1.12 | 9.7% |
| 0R3C.L | American Express Company | $112.9B | 13.27 | 3.90 | 31.3% |
Price
| Price | $187.82 (closing price, October 29, 2026) |
| Market Cap | $8.1B |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | 17.73% |
| Return on Invested Capital | 9.61% |
| Return on Assets | 7.31% |
| Gross Margin | 48.71% |
| Operating Margin | 16.01% |
| Net Margin | 9.48% |
Related companies: V · 0R2Z.L · MA · AXP · COF · 0HT4.L · 0R3C.L · PYPL
Explore sector: Financial Services · Financial - Credit Services
More sections of FCFS: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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