What is the 13F Pro Quality Score for FCFS?

13F Pro ranks FirstCash Holdings, Inc. (FCFS) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View FCFS's current score at https://13fpro.ai/company/FCFS (free sign-up required for the full ranking).

Which hedge funds own the most FCFS stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of FCFS include BlackRock,, FMR, EARNEST PARTNERS. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/FCFS as soon as new 13F filings post.

Where does 13F Pro source FCFS data?

All FirstCash Holdings, Inc. fundamentals and ownership data come directly from SEC EDGAR. FirstCash Holdings, Inc. files with the SEC under CIK 840489. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is FCFS in?

FirstCash Holdings, Inc. (FCFS) is classified in the Consumer Discretionary sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/consumer-discretionary.

What drives FCFS's revenue?

Per FirstCash Holdings, Inc.'s latest 10-Q filed with the SEC on 2026-07-27, the biggest revenue drivers are: U.S. pawn ($498.1M); Latin America pawn ($292.0M); Retail POS payment solutions (AFF) ($189.5M). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/FCFS.

What are FCFS's largest expenses?

FirstCash Holdings, Inc.'s latest 10-Q reports these as the largest expense items: Operating expenses ($267.7M); Administrative expenses ($66.8M, +13% YoY); Provision for loan losses ($39.9M, -4% YoY). Sourced directly from SEC EDGAR filing text for Q2 2026 (quarter ended June 30, 2026).

How often is FCFS research updated on 13F Pro?

FCFS's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

FirstCash Holdings, Inc.(FCFS)Stock Analysis

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Consumer Discretionary →Nasdaqmid

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SEC EDGAR: CIK 840489 FCFS stock profile & AI dashboard →

13F Pro Quality Score

69.2/100

Rank #279 of 2,960 stocksTOP 10%

View Consumer Discretionary peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

67.9/100

Profitability

64.0/100

Balance Sheet

80.0/100

Earnings Quality

57.7/100

Free Cash Flow

67.4/100

Institutional Flow

62.9/100

Revenue Scale

75.3/100

Dilution Risk

72.9/100

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Why FCFS Scores 69/100

exact factor attribution · 2026-09-12

FCFS's composite is driven by scale and revenue growth. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Scale

+3.8 pts

75th pct

Revenue growth

+3.6 pts

68th pct

Capital efficiency

+3.0 pts

80th pct

Free cash flow

+2.6 pts

67th pct

Profitability

+2.1 pts

64th pct

Earnings growth

+1.6 pts

83th pct

Shareholder dilution

+1.1 pts

73th pct

Earnings quality

+0.8 pts

58th pct

Institutional flow

+0.7 pts

63th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

FCFS Stock Analysis & AI Quality Score

Data updated 2026-09-12

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 69.2/100 on a 32-signal composite quality model, placing it at rank #279 of 2,960 stocks — the top 10% of the AI-ranked universe. FCFS scores in the top quartile across balance sheet strength (80.0), revenue scale (75.3). Based on the latest XBRL financial filings (Q2 2026), FirstCash Holdings, Inc. reports quarterly revenue of $1.1B, net income of $93.5M, an operating margin of 11.8%. 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 46 and 74 since 2022, currently 69.2 — an improving long-term trajectory across 65 quarterly and live scoring snapshots.

✦

Fun facts about FirstCash Holdings, Inc.

Quirks, history, and lore behind FCFS — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. consumer finance company · mid-cap · listed on Nasdaq · headquartered in Fort Worth, Texas.
2
The Numbers
Operates thousands of retail locations across the Americas, with annual revenue in the low billions — built on short-term lending and the resale of secondhand goods.
3
The History
The company traces its roots to the 1980s pawnshop boom in Texas and grew into a multinational operator with a particularly strong foothold in Latin America.
4
The Secret
It makes money two ways: collateral-based loans where the customer never comes back for their stuff, and retailing that merchandise at a tidy markup.
5
The Lore
It is one of the largest pawnshop operators on the planet, with more stores in Mexico and Central America than most people realize — a genuine cross-border empire built on layaway and life's emergencies.
6
The Giveaway
When you need quick cash and your guitar is your only asset, this Fort Worth-based pawn giant — ticker matching the concept of first cash — will see you now.

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What's Driving FCFS's Business? Latest 10-Q Breakdown

✓ 43/43 datapoints verified

AI-extracted from FirstCash Holdings, Inc.'s 10-Q filed 2026-07-27 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Total revenue rose 29% to $1.07B as U.S. and Latin America pawn plus the newly acquired U.K. segment offset a 17% decline in AFF leased merchandise income.

Biggest Revenue Drivers

U.S. pawn$498.1M

Retail merchandise sales +10% on strong demand for value priced merchandise; scrap jewelry revenue +152% on more forfeited collateral and higher gold prices

Latin America pawn$292.0M

Retail sales +28% (15% constant currency) and pawn fees +33%, aided by an 11% favorable change in the average Mexican peso

Biggest Revenue Drivers

Total revenue: $1,074.7M

U.S. pawn$498.1M

Retail merchandise sales +10% on strong demand for value priced merchandise; scrap jewelry revenue +152% on more forfeited collateral and higher gold prices

Within U.S. pawn

Pawn loan fees$150.1M+15% YoY

Higher pawn receivable balances; same-store fees +14%

Latin America pawn$292.0M

Retail sales +28% (15% constant currency) and pawn fees +33%, aided by an 11% favorable change in the average Mexican peso

Retail POS payment solutions (AFF)$189.5M

Leased merchandise income fell 17% on lower average leased balances amid continued weakness in the furniture industry

U.K. pawn$95.3M

Contributed by H&T, acquired August 14, 2025; segment pre-tax operating margin 35%

Largest Expense Items

Operating expenses$267.7M

U.S. up 6% on increased labor and variable compensation; Latin America up 28% on inflation and minimum wage increases

Administrative expenses$66.8M+13% YoY

Addition of H&T, increased variable compensation, inflation and peso translation, offset by prior-year $11.0M CFPB settlement

Provision for loan losses$39.9M-4% YoY

8% decrease in gross transaction volumes, partially offset by higher loan loss provisioning rates

Interest expense$35.7M+36% YoY

Increased outstanding long-term debt balances

Margins: U.S. pawn pre-tax segment margin rose to 26% from 24% and U.S. scrap margin to 16% from 9%; AFF depreciation of leased merchandise rose to 62% of leased income from 56%.

Watch Items from the Filing

AFF gross transaction volume fell 14% to $223.7M, with segment pre-tax income down to $28.7M from $37.9M on furniture industry weakness.
AFF delinquency rates rose: leases 25.6% vs 23.2% and finance receivables 22.3% vs 20.6% year over year.
Pending Ramsdens acquisition valued at ~£231.7M ($307.5M), backed by a £239.0M bridge facility, expected to close by end of 2026.
Total long-term debt reached $2.35B after the $750M 6.125% 2034 notes; consolidated total debt ratio was 2.6 to 1.
Off-balance-sheet OBS Loans held by AFF's bank partner totaled $35.2M maximum exposure, with a $18.3M reimbursement liability accrued.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$1.1B

Net Income

Q2 2026

$93.5M

Operating Margin

Q2 2026

11.8%

ROIC

Q2 2026

10.9%

D/E Ratio

Q2 2026

1.01

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+8.0% YoY

$3.66BFY 2025

FY22 $2.73BFY23 $3.15BFY24 $3.39BFY25 $3.66B

Net Income

+27.6% YoY

$330.4MFY 2025

FY22 $253.5MFY23 $219.3MFY24 $258.8MFY25 $330.4M

EPS (Diluted)

+29.5% YoY

$7.42FY 2025

FY22 $5.36FY23 $4.80FY24 $5.73FY25 $7.42

Total Assets

+18.4% YoY

$5.30BFY 2025

FY22 $3.90BFY23 $4.29BFY24 $4.48BFY25 $5.30B

Total Debt

+28.6% YoY

$2.22BFY 2025

FY22 $1.37BFY23 $1.61BFY24 $1.73BFY25 $2.22B

Op. Cash Flow

+8.5% YoY

$585.9MFY 2025

FY22 $469.3MFY23 $416.1MFY24 $540.0MFY25 $585.9M

Free Cash Flow

+12.6% YoY

$531.0MFY 2025

FY22 $433.7MFY23 $356.0MFY24 $471.7MFY25 $531.0M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$3.66B +8.0%	$3.39B +7.5%	$3.15B +15.5%	$2.73B +60.6%	$1.70B +4.1%	$1.63B
Net Income	$330.4M +27.6%	$258.8M +18.0%	$219.3M -13.5%	$253.5M +102.9%	$124.9M +17.2%	$106.6M
EPS (Diluted)	$7.42 +29.5%	$5.73 +19.4%	$4.80 -10.4%	$5.36 +76.3%	$3.04 +18.8%	$2.56
Total Assets	$5.30B +18.4%	$4.48B +4.4%	$4.29B +9.9%	$3.90B +1.8%	$3.84B +61.7%	$2.37B
Total Debt	$2.22B +28.6%	$1.73B +7.7%	$1.61B +16.8%	$1.37B +6.3%	$1.29B +107.5%	$623.0M
Operating Cash Flow	$585.9M +8.5%	$540.0M +29.8%	$416.1M -11.3%	$469.3M +110.2%	$223.3M +0.5%	$222.3M
Free Cash Flow	$531.0M +12.6%	$471.7M +32.5%	$356.0M -17.9%	$433.7M +139.3%	$181.3M -1.9%	$184.7M

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Available Research

13F Pro tracks comprehensive data for FirstCash Holdings, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of FCFS

BlackRock, Inc.
$1.1B5,031,570 sh
FMR LLC
$659.2M3,047,495 sh
EARNEST PARTNERS LLC
$455.7M2,106,406 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$438.2M2,025,879 sh
VANGUARD CAPITAL MANAGEMENT LLC
$367.3M1,697,821 sh
STATE STREET CORP
$326.1M1,507,470 sh
PRICE T ROWE ASSOCIATES INC /MD/
$313.3M1,448,230 sh
GEODE CAPITAL MANAGEMENT, LLC
$268.6M1,241,526 sh
Hood River Capital Management LLC
$264.3M1,221,912 sh
BANK OF AMERICA CORP /DE/
$248.1M1,146,721 sh

Fund	Value	Shares
BlackRock, Inc.	$1.1B	5,031,570
FMR LLC	$659.2M	3,047,495
EARNEST PARTNERS LLC	$455.7M	2,106,406
VANGUARD PORTFOLIO MANAGEMENT LLC	$438.2M	2,025,879
VANGUARD CAPITAL MANAGEMENT LLC	$367.3M	1,697,821
STATE STREET CORP	$326.1M	1,507,470
PRICE T ROWE ASSOCIATES INC /MD/	$313.3M	1,448,230
GEODE CAPITAL MANAGEMENT, LLC	$268.6M	1,241,526
Hood River Capital Management LLC	$264.3M	1,221,912
BANK OF AMERICA CORP /DE/	$248.1M	1,146,721

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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. FCFS is classified as a mid company.

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.