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Operates pawn stores across the US and Latin America, offering pawn loans and retail lease-to-own financing.
Operates pawn stores across the US and Latin America, offering pawn loans and retail lease-to-own financing.
Lends small amounts secured by items such as jewellery and tools, earning interest and fees when loans are repaid and selling the collateral in its stores when they are not, so losses are limited because it holds the pledged item. Gold prices matter because jewellery is a large part of collateral. Latin America, mainly Mexico, is a large and growing share of its stores. American First Finance, bought in 2021, added lease-to-own financing.
Moat: narrow (scale, distribution, brand). Largest pawn store network in the Americas gives density and collateral-appraisal expertise.
Headquarters: Fort Worth, Texas, US · Founded: 1988 · Employees: 22,000
Size FirstCash (FCFS) is a United States Financials company (Finance/Rental/Leasing) with a market value of $7.96B, the 888th largest of 3,117 United States companies the cockpit tracks. Shares closed at $185.67 on 6 Nov 2026.
Performance Over six months the shares fell 18.4%, against -9.3% for the median peer and -1.1% for the United States market (cap-weighted) — 6th lowest of 21 in its peer set.
Growth Revenue grew 22.9% over the last twelve months (peer median +6.5%); the operating margin is 16.1% (peer median 34.9%).
Valuation It trades at 3.50× book value against a peer median of 1.71× (4th most expensive of 21).
Price implies The share price implies a return on equity of about 19.9%; FirstCash delivers 18.2%, so the price asks more than the business earns today.
Credit FirstCash has 4 bonds outstanding ($2.30B), rated BB by the agencies and trading like BB+ at a weighted spread of 172 bp.
Short interest Short interest is 6.5% of the free float (15 Oct 2026).
Next results Next results expected around 4 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $4.29B | $3.66B | $3.39B | $3.15B | $2.73B |
| Revenue growth | — | +8% | +8% | +15% | — |
| Gross profit | $2.19B | $1.89B | $1.67B | $1.52B | $1.28B |
| EBITDA | $1.11B | $993M | $989M | $910M | $741M |
| Net income | $406M | $330M | $259M | $219M | $253M |
| Free cash flow | $518M | $469M | $386M | $286M | $351M |
| Capital expenditure | $161M | $117M | $154M | $131M | $118M |
| Total debt | $2.81B | $2.57B | $2.05B | $1.92B | $1.67B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| FirstCash FCFS | $7.96B | -18% | +23% | 18% | 3.50× | 19.9% |
| EZCORP EZPW | $1.75B | -15% | +29% | 15% | 1.51× | 11.5% |
| World Acceptance WRLD | $671M | 0% | +5% | 14% | 1.92× | 18.4% |
| Upbound UPBD | $1.41B | +29% | +3% | 16% | 1.88× | 23.5% |
| PROG PRG | $1.47B | +4% | +10% | 17% | 1.82× | 23.0% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | FCFS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -12.2% | +0.9% | 2nd lowest of 21 |
| 6-month return | -18.4% | -9.3% | 6th lowest of 21 |
| Return on equity | 18.2% | 12.4% | 6th highest of 21 |
| Price / book | 3.50× | 1.71× | 4th most expensive of 21 |
| Trailing P/E | 20.1× | 13.2× | 7th most expensive of 21 |
| ROE the price implies | 19.9% | 14.8% | 9th most demanding of 21 |
| ROE delivered | 18.2% | 12.3% | 5th highest of 20 |
| Bond spread | 172 bp | 104 bp | 3rd widest of 10 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| FirstCash FCFS | United States | $7.96B | -18% | +23% | 18% | 3.50× | 19.9% | 18.2% |
| REC RECLTD.NS | India | $8.27B | -18% | -3% | 17% | 0.83× | 15.1% | 17.0% |
| Ayvens AYV.PA | France | $8.45B | -16% | 0% | 9% | 0.68× | 8.0% | 9.2% |
| Tokyo Century 8439.T | Japan | $7.50B | +12% | +8% | 12% | 1.01× | 7.7% | 11.6% |
| L&T Finance LTF.NS | India | $7.36B | -9% | +17% | 12% | 2.38× | 45.8% | 12.3% |
| Piramal Finance PIRAMALFIN.NS | India | $7.17B | +13% | +71% | 7% | 1.58× | 13.0% | 6.5% |
| BOC Aviation 2588.HK | Hong Kong | $7.09B | -3% | -2% | 12% | 1.01× | 6.2% | 11.8% |
| Bajaj Housing Finance BAJAJHFL.NS | India | $7.05B | -9% | +17% | 12% | 2.77× | 41.1% | 12.4% |
| Jiangsu Financial Leasing 600901.SS | China | $6.66B | +12% | +14% | 13% | 1.67× | 5.9% | 13.5% |
| OneMain OMF | United States | $6.42B | 0% | +6% | 23% | 1.90× | 18.5% | 22.7% |
| SBI Cards & Payment Services SBICARD.NS | India | $5.89B | -10% | +6% | 16% | 3.24× | 40.7% | 16.3% |
| Chailease 5871.TW | Taiwan | $5.74B | -10% | -4% | 12% | 0.97× | 3.8% | 11.5% |
| Indian Railway Finance IRFC.NS | India | $11.1B | -25% | +13% | 13% | 1.74× | 28.2% | 12.6% |
| Element Fleet Management EFN.TO | Canada | $5.61B | -31% | +5% | 11% | 2.06× | 9.2% | 10.6% |
| Ally Financial ALLY | United States | $11.5B | -14% | +5% | 10% | 0.88× | 9.8% | 9.9% |
| Power Finance PFC.NS | India | $11.5B | -28% | +4% | 21% | 0.76× | 14.4% | n/a |
| Credit Acceptance CACC | United States | $5.37B | -1% | +2% | 23% | 3.86× | 38.2% | 22.7% |
| Mitsubishi HC Capital 8593.T | Japan | $11.9B | -9% | +1% | 7% | 0.93× | 5.9% | 7.2% |
| Muthoot Finance MUTHOOTFIN.NS | India | $12.2B | -20% | +47% | 32% | 2.62× | 32.0% | 31.8% |
| One 97 Communications PAYTM.NS | India | $12.2B | +50% | +24% | 5% | 6.92× | 47.0% | 5.4% |
| Figure Technology Solutions FIGR | United States | $5.10B | -40% | +66% | 26% | 3.58× | 26.5% | 26.2% |
FirstCash has 4 bonds outstanding with $2.30B face value. The agencies rate it BB; its bonds trade like BB+. Weighted yield 6.42%, a spread of 172 bp over government bonds.