FirstCash Inc (FCFS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
FirstCash Inc stock (FCFS) is currently trading at $190.43. FirstCash Inc PE ratio is 26.46. FirstCash Inc PS ratio (Price-to-Sales) is 2.37. Analyst consensus price target for FCFS is $206.00. WallStSmart rates FCFS as Hold.
- FCFS PE ratio analysis and historical PE chart
- FCFS PS ratio (Price-to-Sales) history and trend
- FCFS intrinsic value — DCF, Graham Number, EPV models
- FCFS stock price prediction 2025 2026 2027 2028 2029 2030
- FCFS fair value vs current price
- FCFS insider transactions and insider buying
- Is FCFS undervalued or overvalued?
- FirstCash Inc financial analysis — revenue, earnings, cash flow
- FCFS Piotroski F-Score and Altman Z-Score
- FCFS analyst price target and Smart Rating
FirstCash Inc
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FCFS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · FirstCash Inc (FCFS)
FCFS trades at a significant discount to its Graham intrinsic value of $347.26, offering a 47% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
FirstCash Inc (FCFS) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, eps growth, institutional own.. Fundamentals are solid but monitor weak areas for improvement.
FirstCash Inc (FCFS) Key Strengths (5)
91.45% of shares held by major funds and institutions
Good growth relative to its price
Strong earnings growth at 27.00% per year
Mid-cap company balancing growth potential with stability
Solid profitability: $15 profit per $100 equity
FirstCash Inc (FCFS) Areas to Watch (5)
Premium pricing at 3.8x book value
Thin profit margins with limited profitability
Decent operational efficiency, solid but not exceptional
Revenue is fairly priced at 2.37x sales
Solid revenue growth at 19.80% per year
Supporting Valuation Data
FirstCash Inc (FCFS) Detailed Analysis Report
Overall Assessment
This company scores 64/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 5 register as strengths (avg 8.0/10) while 5 fall into concern territory (avg 5.2/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Institutional Own., PEG Ratio, EPS Growth. Valuation metrics including PEG Ratio (1.17) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 15.30%. Growth metrics are encouraging with EPS Growth at 27.00%.
The Bear Case
The primary concerns are Price/Book, Profit Margin, Operating Margin. Some valuation metrics including Price/Sales (2.37), Price/Book (3.79) suggest expensive pricing. Growth concerns include Revenue Growth at 19.80%, which may limit upside. Profitability pressure is visible in Operating Margin at 17.30%, Profit Margin at 9.02%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Book improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 15.30% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 19.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Institutional Own., PEG Ratio) and negatives (Price/Book, Profit Margin). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FCFS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FCFS's Price-to-Sales ratio of 2.37x trades 25% below its historical average of 3.17x (23th percentile). The current valuation is 68% below its historical high of 7.45x set in Jan 2006, and 61% above its historical low of 1.47x in Feb 2008.
WallStSmart Analysis Synopsis
Data-driven financial summary for FirstCash Inc (FCFS) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
FirstCash Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 3.7B with 20% growth year-over-year. Profit margins are thin at 9.0%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Generating 171M in free cash flow and 207M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can FirstCash Inc push profit margins above 15% as the business scales?
Debt management: total debt of 2.8B is significantly higher than cash (125M). Monitor refinancing risk.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact FirstCash Inc.
Bottom Line
FirstCash Inc offers an attractive blend of growth (20% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(29 last 3 months)
| Insider | Type | Shares |
|---|---|---|
HAMBLETON, HOWARD F AFF President | Sell | -4,000 |
| Insider | Type | Shares |
|---|---|---|
WESSEL, RICK L Director, Vice-Chairman & CEO | Sell | -21,000 |
| Insider | Type | Shares |
|---|---|---|
ORR, R DOUGLAS EVP & Chief Financial Officer | Sell | -1,500 |
Data sourced from SEC Form 4 filings
Last updated: 10:00:47 AM
About FirstCash Inc(FCFS)
NASDAQ
FINANCIAL SERVICES
CREDIT SERVICES
USA
FirstCash, Inc., operates retail pawn shops in the United States and Latin America. The company is headquartered in Fort Worth, Texas.