Touchstone
Last syncNov 1, 2026, 6:55 PM ET

FCFS

Firstcash Holdings, Inc. Consumer Discretionary Retail-Miscellaneous Retail Russell 3000
$181.25Close $8.0BMarket cap $147.15 – $236.4352-week range Late-januaryNext report · estimated

Highlights

Strengths

  • Earnings growing EPS +25% year on year

Cautions

  • Not in an uptrend 3 of 8 trend conditions
  • Lagging the market RS 38 · weaker than 62% of stocks over 12 months

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Oct 26, 2026
Off 12-month high 23%
1wk up 4.9% price change
1mo down 14.2% price change
12-month return up 15% market up 11% · its own up 13%
F-score 8 / 9 Exceptional
Altman Z″ 4.18 Low risk
P/E 24.1× price / earnings
PEG 0.82 P/E / EPS growth
P/B 3.5× price / book
Earnings yield up 4.5% EBIT / enterprise value
Cheaper than 62% of the market · cheap
Revenue growth up 11% year on year
EPS growth up 25% latest quarter · -33 pts
Sales growth up 17% latest quarter · -5 pts
ROE up 15% return on equity
Free cash margin up 32% $531.0M FCF
D/E 0.97 long-term debt / equity
Net debt / EBITDA 4.7×
Interest cover —EBIT / interest
Piotroski tests
  • took on more long-term debt
  • profitable on its assets
  • generating cash from operations
  • profitability improving
  • profits backed by cash
  • short-term liquidity improved
  • no new shares issued
  • gross margin widened
  • assets working harder

Repair signals

  • Gross margin 108.1% → 110.3%

Trade setup

ATR% 4.6% $8.33 a day · 2×ATR $164.59
RS 38 / 99 vs the universe
Trend 3 / 8 trend template
Relative volume 1.6× vs 50-day average
Up/down volume 1.02 50 sessions
Implied move — no scheduled report
Trend template · 3 of 8
  • Price above the 150 and 200-day averages: fails
  • 150-day average above the 200-day: passes
  • 200-day average rising for a month: passes
  • 50-day average above the 150 and 200-day: fails
  • Price above the 50-day average: fails
  • At least 30% above the 52-week low: fails
  • Within 25% of the 52-week high: passes
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

1 flagged
  • Heavily indebted Net debt is 4.7 times EBITDA — roughly 5 years of earnings before interest, tax and depreciation to repay borrowings in full.
Last reported Oct 22, 2026
Last shock Oct 22, 2026-15% in one session4.4× volumeon results-2% since

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $1.7B +11% on FY2024
$0 $2B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $1.1B FY2021 · $1.1B FY2022 · $1.3B FY2023 · $1.4B FY2024 · $1.5B FY2025 · $1.7B
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $330.4M +28% on FY2024
$0 $500M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $106.6M FY2021 · $124.9M FY2022 · $253.5M FY2023 · $219.3M FY2024 · $258.8M FY2025 · $330.4M
Free cash flow Cash from running the business less what it spent on equipment and buildings: the cash a year actually left behind, which profit alone does not show. Not shown for banks and insurers, whose cash moves with their loans. Methodology $531.0M +13% on FY2024
$0 $1B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $184.7M FY2021 · $181.3M FY2022 · $433.7M FY2023 · $356.0M FY2024 · $471.7M FY2025 · $531.0M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Gross 110%
  • Net 20%
  • Free cash 32%
0% 200% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Gross 85% · Net 10% · Free cash 17% FY2021 · Gross 81% · Net 11% · Free cash 16% FY2022 · Gross 100% · Net 20% · Free cash 34% FY2023 · Gross 109% · Net 16% · Free cash 26% FY2024 · Gross 108% · Net 17% · Free cash 31% FY2025 · Gross 110% · Net 20% · Free cash 32%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology $2.1B net debt
  • Cash
  • Long-term debt
$0 $2.5B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $65.8M · Long-term debt $615.9M FY2021 · Cash $120.0M · Long-term debt $1.3B FY2022 · Cash $117.3M · Long-term debt $1.4B FY2023 · Cash $127.0M · Long-term debt $1.6B FY2024 · Cash $175.1M · Long-term debt $1.7B FY2025 · Cash $125.2M · Long-term debt $2.2B
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 43.98m +7.2% since FY2020
48.48m 41.04m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 41.04m FY2021 · 48.48m FY2022 · 46.29m FY2023 · 45.11m FY2024 · 44.75m FY2025 · 43.98m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $1.1B $1.1B $1.3B $1.4B $1.5B $1.7B
Gross margin 85% 81% 100% 109% 108% 110%
Net income $106.6M $124.9M $253.5M $219.3M $258.8M $330.4M
Net margin 10% 11% 20% 16% 17% 20%
Earnings per share $2.56 $3.04 $5.36 $4.80 $5.73 $7.42
Free cash flow $184.7M $181.3M $433.7M $356.0M $471.7M $531.0M
Free cash margin 17% 16% 34% 26% 31% 32%
Cash $65.8M $120.0M $117.3M $127.0M $175.1M $125.2M
Long-term debt $615.9M $1.3B $1.4B $1.6B $1.7B $2.2B
Shareholders' equity $1.3B $1.8B $1.9B $2.0B $2.1B $2.3B
Shares outstanding 41.04m 48.48m 46.29m 45.11m 44.75m 43.98m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Oct 26, 2026 Quarterly ↗ Sep 30, 2026 26d
Jul 27, 2026 Quarterly ↗ Jun 30, 2026 27d
Apr 24, 2026 Quarterly ↗ Mar 31, 2026 24d
Feb 9, 2026 Annual ↗ Dec 31, 2025 40d
Nov 3, 2025 Quarterly ↗ Sep 30, 2025 34d
Jul 28, 2025 Quarterly ↗ Jun 30, 2025 28d
Apr 28, 2025 Quarterly ↗ Mar 31, 2025 28d
Feb 3, 2025 Annual ↗ Dec 31, 2024 34d
Oct 28, 2024 Quarterly ↗ Sep 30, 2024 28d
Jul 29, 2024 Quarterly ↗ Jun 30, 2024 29d
Apr 29, 2024 Quarterly ↗ Mar 31, 2024 29d
Feb 5, 2024 Annual ↗ Dec 31, 2023 36d

Current reports

FiledDisclosed
Oct 28, 2026 Other events ↗
Oct 22, 2026 Results ↗
Aug 31, 2026 Material agreement · New obligation · Regulation FD ↗
Aug 6, 2026 Regulation FD ↗
Jul 23, 2026 Results · Other events ↗
Jul 22, 2026 Director or officer change ↗
Jul 16, 2026 Other events ↗
Jun 23, 2026 Regulation FD · Other events ↗
Jun 18, 2026 Holder rights changed · Charter or bylaws ↗
Jun 9, 2026 Shareholder vote ↗
May 12, 2026 Regulation FD ↗
May 1, 2026 Material agreement · New obligation ↗