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Earnings transcript
Read the complete earnings call transcript.
FCFS
FirstCash Holdings, Inc
$199.58
9.66
(5.09%)
| Exchange: | NASDAQ |
| Market Cap: | 8.808B |
| Shares Outstanding: | 4.798M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Credit Services | |||||
| CEO: | Rick L. Wessel | |||||
| Full Time Employees: | 20000 | |||||
| Address: |
| |||||
| Website: | https://firstcash.com |
FirstCash Holdings, Inc, together with its subsidiaries, operates retail pawn stores in the United States, Mexico, and rest of Latin America. Its pawn stores lend money on the collateral of pledged personal property, including jewelry, electronics, tools, appliances, sporting goods, and musical instruments; and retails merchandise acquired through collateral forfeitures on forfeited pawn loans and over-the-counter purchases of merchandise directly from customers. The company is also involved in melting scrap jewelry, as well as sells gold, silver, and diamonds in commodity markets. As of December 31, 2021, it operated 1,081 stores in the United States and the District of Columbia; 1,656 stores in Mexico; 60 stores in Guatemala; 13 stores in El Salvador; and 15 stores in Colombia. The company was incorporated in 1988 and is headquartered in Fort Worth, Texas.
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Revenue Segmentation
EPS
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Earnings Call
AI summary
Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 3,151,796 | 3,388,514 | 3,661,043 |
| Gross Profit | 1,507,239 | 1,629,532 | 1,891,507 |
| EBITDA | 906,708 | 986,249 | 999,783 |
| Operating Income | 389,614 | 450,414 | 562,228 |
| Net Income | 219,301 | 258,815 | 330,375 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 4,289,915 | 4,476,986 | 5,300,763 |
| Total Liabilities | 2,293,497 | 2,422,822 | 3,024,001 |
| Total Stockholders Equity | 1,996,418 | 2,054,164 | 2,276,762 |
| Total Debt | 1,923,094 | 2,050,005 | 248,934 |
| Cash and Cash Equivalents | 127,018 | 175,095 | 125,197 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 416,142 | 539,958 | 0 |
| Capital Expenditure | -60,148 | -68,245 | 0 |
| Free Cash Flow | 355,994 | 471,713 | 0 |
| Net Income | 219,301 | 258,815 | 0 |
| Net Change in Cash | 9,688 | 48,077 | 0 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 2,913,590.238 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 3,063,161.277 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 2,960,200 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 1,071,338.191 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 1,126,336.030 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 1,088,476.778 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 814,720.736 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 869,354.140 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 831,745.698 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 317,813.600 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 334,128.767 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 322,897.780 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 18.680 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 19.520 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 18.300 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: FCFS has demonstrated consistent revenue and net income growth in recent periods, as reflected in the income statements. Key metrics such as EBITDA and operating income indicate operational efficiency, supporting a stable financial foundation.
- Strategic Merger Benefits: The 2016 merger with Cash America, as highlighted in the earnings call transcript, has positioned FCFS to leverage complementary strengths, enhancing market presence and operational synergies, which have contributed to sustained growth.
- Strong Free Cash Flow: Cash flow statements show robust free cash flow generation, with positive net cash from operating activities. This provides financial flexibility for reinvestment and debt management, bolstering investor confidence.
- Favorable Valuation Metrics: The current price-to-earnings (P/E) ratio (TTM) and forward P/E estimates suggest that FCFS is reasonably valued compared to industry averages, indicating potential for sustained investor interest.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates FCFS intrinsic value between $142.06 – $154.35 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about FCFS valuation
Is FirstCash Holdings, Inc (FCFS) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for FirstCash Holdings, Inc (FCFS) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is FCFS a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FCFS trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is FCFS’s P/E ratio?
You can see FCFS’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for FCFS?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is FCFS a good long-term investment?
Whether FCFS fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
FCFS
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
5.09
Trading Metrics:
| Open: | 190.89 | Previous Close: | 189.92 | |
| Day Low: | 188.05 | Day High: | 202.25 | |
| Year Low: | 116.66 | Year High: | 202.25 | |
| Price Avg 50: | 185.07 | Price Avg 200: | 158.19 | |
| Volume: | 775117 | Average Volume: | 320437 |
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Login — it's freeFCFS full analysis
Welcome to MARKETSNAP’s SWOT analysis for FirstCash Holdings, a key player in the financial services space. If you’re not familiar with FirstCash, let me give you the quick rundown. This company operates in the pawnshop and consumer lending industry, providing small loans and cash advances often to underserved markets. They’ve got a strong presence across the U.S. and Latin America, and with thousands of employees, they’re a significant name in the specialty finance sector. Today, we’re diving deep into what…
