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FCFSFirstCash Holdings, Inc.Hold6.0·$229.35+2.51%
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FirstCash Holdings, Inc. (FCFS) Stock Analysis

HoldVALUE-TRAP 1/5Moderate Confidence

Financial Services · Credit Services

Hold if already holding. Not a fresh buy at $229.35, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.8% away).

FirstCash Holdings is the largest international operator of pawn stores with 3,000+ locations across the U.S., Latin America, and rest of world, plus a U.S. lease-to-own platform (AFF). Revenue comes from pawn service charges, retail merchandise sales, and consumer lending/lease... Read more

$229.35+0.6% A.UpsideScore 6.0/10#14 of 29 Credit Services
QualityF-score8 / 9FCF yield1.94%
IncomeYield0.75%(5y avg 1.30%)Payout20.55%sustainable
Stop $215.81Target $230.82(resistance)A.R:R -0.8:1
Analyst target$241.40+5.3%5 analysts
$230.82our TP
$229.35price
$241.40mean
$220
$252

Hold if already holding. Not a fresh buy at $229.35, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.8% away). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 6.0/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 43d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Thu, Jul 23, 202643d to earnings· next earnings call

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (4/4)
Strong growth profile
Risks
Analyst target reached - limited upside remaining
Near 52-week high (2.8% away)
Leverage penalty (D/E 1.1): -0.5

Key Metrics

P/E (TTM)28.1
P/E (Fwd)18.0
Mkt Cap$9.8B
EV/EBITDA16.8
Profit Mgn9.1%
ROE16.3%
Rev Growth25.7%
Beta0.53
Dividend0.75%
Rating analysts13

Quality Signals

Piotroski F8/9MoatNarrow

Options Flow

P/C0.81neutral
IV53%elevated
Max Pain$195-15.0% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R -0.8=NEGATIVEMomentum 5.5<5.5 (soft — BUY_NOW allowed but watch)Momentum 5.5>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 43d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Moderate
RSI
53 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $205.00Resistance $235.53

Price Targets

$216
$231
A.Upside+0.6%
A.R:R-0.8:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (-8.4% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-23 (43d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is FCFS stock a buy right now?

Hold if already holding. Not a fresh buy at $229.35, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.8% away). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Target $230.82 (+0.6%), stop $215.81 (−6.3%), A.R:R -0.8:1. Score 6.0/10, moderate confidence.

What is the FCFS stock price target?

Take-profit target: $230.82 (+0.6% upside). Target $230.82 (+0.6%), stop $215.81 (−6.3%), A.R:R -0.8:1. Stop-loss: $215.81.

What are the risks of investing in FCFS?

Analyst target reached - limited upside remaining; Near 52-week high (2.8% away); Leverage penalty (D/E 1.1): -0.5.

Is FCFS overvalued or undervalued?

FirstCash Holdings, Inc. trades at a P/E of 28.1 (forward 18.0). TrendMatrix value score: 6.1/10. Verdict: Hold.

What do analysts say about FCFS?

13 analysts cover FCFS with a consensus score of 4.1/5. Average price target: $241.

What does FirstCash Holdings, Inc. do?FirstCash Holdings is the largest international operator of pawn stores with 3,000+ locations across the U.S., Latin...

FirstCash Holdings is the largest international operator of pawn stores with 3,000+ locations across the U.S., Latin America, and rest of world, plus a U.S. lease-to-own platform (AFF). Revenue comes from pawn service charges, retail merchandise sales, and consumer lending/lease fees; no single geographic market or customer represents a material concentration.

Related stocks: ECPG (Encore Capital Group Inc) · ENVA (Enova International, Inc.) · EZPW (EZCORP, Inc.) · ALLY (Ally Financial Inc.) · SEZL (Sezzle Inc.)
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