FirstCash Holdings, Inc.(FCFS)Stock Analysis
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Rank #182 of 2,879 stocksTOP 10%
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Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
FCFS Stock Analysis & AI Quality Score
AI stock analysis and institutional research for FirstCash Holdings, Inc. (FCFS), a Consumer Discretionary sector company. 13F Pro's AI-powered ranking engine scores FCFS at 73.8/100 on a 32-signal composite quality model, placing it at rank #182 of 2,879 stocks — the top 10% of the AI-ranked universe. FCFS scores in the top quartile across free cash flow (87.5), profitability (86.9), balance sheet strength (76.1). Based on the latest XBRL financial filings (Q1 2026), FirstCash Holdings, Inc. reports quarterly revenue of $1.1B, net income of $107.7M, an operating margin of 13.8%. Top institutional holders of FCFS by reported 13-F value include BlackRock,, FMR, EARNEST PARTNERS, based on the most recent SEC filings. FCFS trades on the Nasdaq exchange and files with the SEC under CIK 840489. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FCFS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FirstCash Holdings, Inc. directly from SEC EDGAR. FirstCash Holdings, Inc.'s 13F Pro composite quality score has ranged between 8 and 83 since 2022, currently 73.8 — an improving long-term trajectory across 52 quarterly and live scoring snapshots.
What's Driving FCFS's Business? Latest 10-Q Breakdown
✓ 50/50 datapoints verifiedAI-extracted from FirstCash Holdings, Inc.'s 10-Q filed 2026-04-24 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
FirstCash Q1 2026 revenue jumped 26% YoY to $1.05B driven by pawn loan fees growth and H&T acquisition contribution; net income rose 29% to $107.7M.
Biggest Revenue Drivers
Total revenue: $1,051.7M+26% YoY
Retail merchandise sales +13%, pawn loan fees +14%, wholesale scrap jewelry +41% driven by gold prices and forfeited collateral volume.
14% favorable currency translation of Mexican peso; constant currency revenue +9% from merchandise sales, pawn fees, and wholesale scrap.
Leased merchandise income -17% to $130.2M and finance products -1% to $74.3M due to merchant partner bankruptcies and lower lease balances.
Contributed full quarter post-H&T acquisition on August 14, 2025; $32.2M pawn loan fees, $21.8M retail sales, $44.5M wholesale scrap.
Largest Expense Items
Provision for loan losses +18% and depreciation of leased merchandise -9% due to lower lease balances; cost of merchandise sold +24%.
U.S. pawn +12%, Latin America +31% (14% constant currency) from labor and wage inflation; includes H&T operations.
Addition of H&T administrative expenses, variable compensation, inflation impacts, and 14% peso translation in Latin America.
Higher outstanding long-term debt balances from H&T acquisition financing and increased credit facility usage.
Margins: Gross profit margin improved as net revenue increased 28% YoY to $542.4M, but operating margin compressed slightly from 27% to 27% in U.S. pawn due to elevated labor costs. Adjusted EBITDA rose 29% YoY to $210.6M; adjusted operating margin remains strong at 20% of revenues despite H&T integration costs.
Watch Items from the Filing
- Retail POS Payment Solutions earnings declined 50% YoY to $25.9M; merchant partner bankruptcies reduced leased merchandise balances 8% YoY to $158.5M, signaling sustained headwinds in this segment.
- Off-balance sheet credit exposure (OBS Loans) increased to $32.9M outstanding as of March 31, 2026; Company recognized $7.6M provision expense in Q1 for reimbursement obligations to bank partner on charge-offs.
- H&T Acquisition financing increased total debt to $2.25B; consolidated total debt ratio was 2.6x as of March 31, 2026, approaching 2.75x covenant threshold limiting restricted payments.
- Latin America pawn loans surged 45% YoY (30% constant currency) driven by increased transaction count and larger average loan sizes; jewelry inventory mix shifted higher with value.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
Revenue
Q1 2026
$1.1B
Net Income
Q1 2026
$107.7M
Free Cash Flow
Q1 2026
$153.6M
Operating Margin
Q1 2026
13.8%
D/E Ratio
Q1 2026
0.98
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+8.0% YoYNet Income
+27.6% YoYEPS (Diluted)
+29.5% YoYTotal Assets
+18.4% YoYTotal Debt
+27.7% YoYOp. Cash Flow
+8.5% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|
| Revenue | $3.66B +8.0% | $3.39B +7.5% | $3.15B +15.5% | $2.73B +46.4% | $1.86B +4.7% | $1.78B |
| Net Income | $330.4M +27.6% | $258.8M +18.0% | $219.3M -13.5% | $253.5M +54.0% | $164.6M +7.4% | $153.2M |
| EPS (Diluted) | $7.42 +29.5% | $5.73 +19.4% | $4.80 -10.4% | $5.36 +40.7% | $3.81 +11.7% | $3.41 |
| Total Assets | $5.30B +18.4% | $4.48B +4.4% | $4.29B +9.9% | $3.90B +60.1% | $2.44B +15.7% | $2.11B |
| Total Debt | $2.21B +27.7% | $1.73B +6.9% | $1.62B +16.5% | $1.39B +119.9% | $631.6M +6.9% | $590.9M |
| Operating Cash Flow | $585.9M +8.5% | $540.0M +29.8% | $416.1M -11.3% | $469.3M +102.6% | $231.6M -4.9% | $243.4M |
AI Insight: FCFS Financial Trends
Revenue surged 26% year-over-year to $1,052M in Q1 2026, but total debt increased 32% to $2,254M over the same period.
• Revenue jumped from $836M in Q1 2025 to $1,052M in Q1 2026, a 26% year-over-year increase.
• Net income grew from $84M in Q1 2025 to $108M in Q1 2026, up 29% year-over-year.
• Operating cash flow rose from $127M in Q1 2025 to $154M in Q1 2026, a 21% improvement.
• Total debt increased significantly from $1,707M in Q1 2025 to $2,254M in Q1 2026, up 32%.
⚠ Debt surge of $547M year-over-year may signal aggressive expansion or acquisition activity requiring monitoring.
⚠ Sequential revenue decline from $1,058M in Q4 2025 to $1,052M in Q1 2026 breaks momentum.
AI Insight: FCFS Ratio Trends
FirstCash delivered strong profitability expansion with operating margin rising from 8.0% in Q2 2024 to 13.8% in Q1 2026.
• Operating margin expanded from 8.0% in Q2 2024 to 13.8% in Q1 2026, demonstrating consistent improvement.
• ROE surged from 9.9% in Q2 2024 to 18.8% in Q1 2026, indicating strong returns to shareholders.
• ROIC improved from 7.2% in Q2 2024 to 12.8% in Q1 2026, showing enhanced capital efficiency.
• Debt-to-equity remained stable around 0.98 in recent quarters after declining from earlier peaks.
⚠ Q2 2025 showed temporary margin compression with operating margin dropping to 9.8% before recovery.
⚠ Debt-to-equity increased from 0.79 in Q2 2025 to 1.01 in Q3 2025, worth monitoring.
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Top Institutional Holders of FCFS
BlackRock, Inc.
$891.2M4,740,334 shFMR LLC
$695.3M3,698,351 shEARNEST PARTNERS LLC
$406.4M2,161,933 shVANGUARD PORTFOLIO MANAGEMENT LLC
$372.9M1,983,569 shVANGUARD CAPITAL MANAGEMENT LLC
$317.7M1,689,960 shSTATE STREET CORP
$267.8M1,424,351 shGEODE CAPITAL MANAGEMENT, LLC
$216.7M1,152,361 shHood River Capital Management LLC
$213.2M1,133,915 shBANK OF AMERICA CORP /DE/
$208.9M1,111,340 shDIMENSIONAL FUND ADVISORS LP
$186.2M990,200 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $891.2M | 4,740,334 |
| FMR LLC | $695.3M | 3,698,351 |
| EARNEST PARTNERS LLC | $406.4M | 2,161,933 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $372.9M | 1,983,569 |
| VANGUARD CAPITAL MANAGEMENT LLC | $317.7M | 1,689,960 |
| STATE STREET CORP | $267.8M | 1,424,351 |
| GEODE CAPITAL MANAGEMENT, LLC | $216.7M | 1,152,361 |
| Hood River Capital Management LLC | $213.2M | 1,133,915 |
| BANK OF AMERICA CORP /DE/ | $208.9M | 1,111,340 |
| DIMENSIONAL FUND ADVISORS LP | $186.2M | 990,200 |
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Popular Research
Is FCFS a good stock to buy?
13F Pro's AI-powered analysis of FirstCash Holdings, Inc. (FCFS) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Consumer Discretionary sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FCFS are available on the FCFS stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own FCFS?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FCFS. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FirstCash Holdings, Inc.'s investment landscape.