NASDAQ: FCFS · Credit Services
FirstCash Holdings (FCFS) fair value and price range
As of 26 Sep 2026, Faircurve's model values FirstCash Holdings (FCFS) at $201.75 a share. The stock last closed at $210.36, which puts the model's fair value 4.1% below the price. The model grades the evidence behind this valuation as low, so no verdict is shown. The grade looks at how complete the inputs are, how many comparable companies there are and how closely they agree, and how wide the range of outcomes is. It does not say how likely the fair value is to be right.
Revalued . Price is the close of 2 Oct 2026. FirstCash Holdings, Inc.
Faircurve Insights · 26 Sep 2026
FirstCash Holdings, Inc. operates a network of retail pawn shops in the United States, Mexico, and other parts of Latin America. The company is in Financial Services, specifically Credit Services.
Faircurve's model found a fair value of $201.75 a share for FirstCash Holdings, Inc. on 26 Sep 2026. This is the midpoint of 2,000 simulations. The previous run on 19 Sep 2026 gave $202.29, and the fair value moved -0.3%. The calibrated range over 63 trading days is $169.26 to $246.00, built from the fair value since there is no live options data for the stock. This range held the price 60% of the time at this horizon. The model grades the evidence behind this valuation as low.
The business has an overall quality score of 61 out of 100 against comparable companies. Its profitability score is 43, with ROIC at 10.1% against a peer median of 20.7%. Earnings quality scored 80, with FCF / net income at 1.54x against a peer median of 1.63x. The model compares FirstCash Holdings, Inc. with Bread Financial Holdings, Inc. and Sezzle Inc. The stock moved around its last 8 earnings reports with a median size of 6.5%.
Written from the figures on this page for the 26 Sep 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
What price range does the model give FCFS?
The calibrated range for FCFS over 63 trading days is $169.26 to $246.00. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 4,327 past valuations, refreshed 26 Sep 2026). Ranges built this way held the price 60% of the time at this horizon.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $117.09 to $323.55. In 45% of the simulations the fair value came out above the price the model ran on.
How does FCFS score on business quality?
FirstCash Holdings's overall quality score is 61 out of 100. Each factor below is a score against comparable companies, not a percentile of the metric beside it.
| Factor | Score (0 to 100) | Headline measure | Peer median |
|---|---|---|---|
| ProfitabilityReturn on invested capital against the peer group, with a bonus for an improving trend. | 43 | 10.1%ROIC | 20.7% |
| Earnings qualityHow much of reported profit is cash: free cash flow to net income, and the accrual ratio (the share of earnings that is not cash). | 80 | 1.54xFCF / net income | 1.63x |
| Growth qualityTrailing revenue growth, forward growth from consensus, and the direction of analyst estimate revisions. | 78 | 8.0%Revenue growth, trailing | 5.4% |
| Capital disciplineReinvestment efficiency (capital spending per unit of revenue) and net buybacks. | 68 | 1.8%Net buybacks / market value | 3.7% |
| Balance sheetNet debt to EBITDA and interest coverage. | 40 | 2.15xNet debt / EBITDA | 0.74x |
| StabilityDownside volatility of the EBITDA margin over the last five years. | 57 | 5.0 ptsEBITDA margin downside volatility, 5y | 6.4 pts |
How does FCFS compare with similar companies?
The companies in credit services closest to FirstCash Holdings in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| ALLY Ally Financial Inc. | $37.91 | $51.14 | +34.9% | Low evidence grade |
| SLM SLM Corporation | $22.75 | $45.78 | +101.3% | Gap wider than 60% |
| ENVA Enova International, Inc. | $172.89 | $182.04 | +5.3% | Low evidence grade |
| BFH Bread Financial Holdings, Inc. | $98.05 | $121.60 | +24.0% | Undervalued |
| GPN Global Payments Inc. | $78.38 | $69.38 | -11.5% | Low evidence grade |
| SYF Synchrony Financial | $71.77 | $127.89 | +78.2% | Gap wider than 60% |
| SEZL Sezzle Inc. | $107.41 | $113.56 | +5.7% | Fairly valued |
| ECPG Encore Capital Group, Inc. | $95.92 | $108.08 | +12.7% | Low evidence grade |
When does FCFS report earnings, and how has the stock reacted?
FirstCash Holdings's next earnings report is scheduled for 22 Oct 2026. Companies can move their dates.
Options prices on 2 Oct 2026 imply a move of about 11.9% in either direction through the nearest expiry, about 48 days out, a window that includes the report. That is the size the market is pricing, not a direction.
How FCFS moved around its last 8 earnings reports
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across these 8 reports, ignoring direction, was 6.5%.
| Report date | Two session move |
|---|---|
| 23 Jul 2026 | -6.6% |
| 23 Apr 2026 | +6.5% |
| 5 Feb 2026 | +5.8% |
| 30 Oct 2025 | +7.0% |
| 24 Jul 2025 | -8.3% |
| 24 Apr 2025 | +7.8% |
| 30 Jan 2025 | -2.5% |
| 24 Oct 2024 | -4.2% |
FirstCash Holdings at a glance
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.
- Market value
- $9.4B
- Sector
- Financial Services
- Industry
- Credit Services
- Revenue expected, next twelve months
- $4.7B
- Consensus revenue growth, next fiscal year
- +19.7%
- Analysts with estimates
- 2
- Beta to the US market
- 0.52
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices FirstCash Holdings on the value of the whole business, debt included, against the operating profit analysts expect next year (forward EV/EBITDA), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 19 Sep 2026 the model's fair value for FCFS was $202.29. As of 26 Sep 2026 it is $201.75, a change of -0.3%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about FirstCash Holdings's valuation
Is FirstCash Holdings stock undervalued or overvalued?
Faircurve's model puts FCFS's fair value at $201.75 a share against a last close of $210.36, as of 26 Sep 2026. The model grades the evidence behind this valuation as low, so no verdict is shown. The grade looks at how complete the inputs are, how many comparable companies there are and how closely they agree, and how wide the range of outcomes is. It does not say how likely the fair value is to be right.
What is FCFS's fair value?
$201.75 a share as of 26 Sep 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $117.09 to $323.55.
What price range does the model give FCFS?
$169.26 to $246.00 over 63 trading days. Ranges built this way held the price 60% of the time across 4,327 past valuations, refreshed 26 Sep 2026.
When does FirstCash Holdings report earnings next?
The next report is scheduled for 22 Oct 2026. Companies can move their dates.
How much has FCFS moved on past earnings reports?
Across its last 8 reports the median two session move was 6.5%, ignoring direction. The largest was -8.3% around the report of 24 Jul 2025.
How confident is the model in this valuation?
The model's evidence grade for FCFS is low. The grade looks at how complete the inputs are, how many comparable companies there are and how closely they agree, and how wide the range of outcomes is. It is not a probability that the fair value is right, or that the price reaches it.