Firstcash Holdings Inc (FCFS) Investment Analysis:
1. Executive Summary:
FirstCash Holdings Inc (FCFS) stands as a preeminent global operator of pawn stores, currently managing a massive and geographically diverse footprint that spans the United States, Latin America, and now the United Kingdom.[1, 2] The company operates at the critical intersection of specialty finance and value-oriented retail, serving as a primary provider of liquidity for cash-constrained and underbanked consumers who often lack access to traditional credit markets.[3, 4] By integrating a collateral-backed micro-lending model with a high-margin retail operation, FirstCash has established a resilient business structure that frequently demonstrates counter-cyclical strength during economic downturns and inflationary periods.[5, 6]
The revenue generation for FirstCash is fundamentally bifurcated into two core segments: the Pawn Segment and the Retail Point-of-Sale (POS) Payment Solutions segment.[7, 8] The pawn operations generate income through two primary mechanisms: pawn loan fees, which represent the interest and service charges on small-sum, non-recourse loans secured by personal property, and retail merchandise sales, where the company sells forfeited collateral at significant margins.[5, 9] Geographically, the company's pawn operations are divided into three major divisions: the United States, Latin America (primarily Mexico, with additional presence in Guatemala, Colombia, and El Salvador), and the United Kingdom, following the transformative acquisition of H&T Group in August 2025.[2, 10] The POS segment, operating under the American First Finance (AFF) brand, provides lease-to-own (LTO) and installment financing solutions through a network of over 15,800 third-party merchant locations.[5]
The company's core products are designed to meet the immediate financial needs of its primary customer base.[11] The central offering is the pawn loan—a non-recourse transaction where an individual pledges an item of value, such as jewelry, electronics, or tools, in exchange for a short-term cash advance.[4, 5] Because these loans are non-recourse, if a customer chooses not to repay, the company simply retains the collateral without impacting the customer's credit score or initiating collections activities, a feature that significantly drives customer loyalty and repeat business.[5, 7] Complementing this is the retail side, where FirstCash operates as a high-velocity dealer of pre-owned merchandise, offering consumers a "treasure hunt" shopping experience with high-quality goods at prices substantially below new retail equivalents.[5]
FirstCash serves a vast and underserved end market comprised of approximately 30 million Americans who utilize alternative financial services annually, alongside millions more in Latin America where traditional banking penetration remains low.[3, 11] Customers choose FirstCash over alternatives such as payday lenders or high-interest credit cards because the pawn model offers immediate cash without a credit check, preserves the customer’s long-term credit profile, and provides a clear path to redeeming the pledged asset.[3, 5] Furthermore, the professionalization and scale of FirstCash's operations provide a level of transparency and reliability that fragmented "mom-and-pop" competitors cannot match.[5, 12]
Global Specialty Finance Leader
2. Business Drivers & Strategic Overview:
The strategic engine driving FirstCash's sustained growth is built upon the systemic inability of traditional financial institutions to serve the micro-credit needs of the subprime and unbanked population.[3, 11] The company's primary revenue drivers are intrinsically linked to the demand for short-term liquidity and the secondary market for durable consumer goods.[5]
Product and Service Detail: The Mechanics of Pawn and LTO
To understand FirstCash as an investment, one must understand the microscopic details of its transactions. In the pawn segments, the "product" is a non-recourse cash loan, typically averaging between $100 and $500.[11] These loans are secured by a diverse range of collateral, with jewelry—specifically gold and precious metals—accounting for approximately 70% of the total pledge book value.[4] The loan duration is generally short, ranging from 30 to 90 days.[4] The company charges a monthly pawn fee, which is a combination of interest and storage/service charges regulated at the state or local level.[4]
A critical secondary driver in this segment is the "yield on cost" of forfeited inventory.[12] When a customer defaults—which historically occurs in only 15% to 20% of cases—FirstCash takes ownership of the item.[4] The company's basis in this inventory is simply the amount of the original loan, which is typically a fraction of the item’s wholesale and retail value.[5] This allows FirstCash to achieve retail gross margins consistently between 35% and 43%, a level rarely seen in traditional big-box retail.[6, 9, 13] For jewelry that is not suitable for retail, the company processes the items as "scrap," selling the gold and precious metals to refiners at near-spot prices, providing an immediate liquidity buffer and a hedge against commodity price volatility.[14, 15]
The American First Finance (AFF) segment operates on a different economic model: the Lease-to-Own (LTO) contract.[5] AFF provides a technology-driven underwriting platform integrated into the checkout flow of furniture, appliance, and automotive service retailers.[5] Unlike pawn loans, LTO agreements are credit-based but structured as leases, allowing AFF to maintain ownership of the asset while the consumer makes recurring payments.[5] This segment is more sensitive to retail cycles but offers high scalability through its B2B partnerships.[5]
The Multi-Layered Moat: Zoning, Scale, and Data
FirstCash possesses a formidable competitive moat that is reinforced by several structural advantages:
- Regulatory and Zoning Barriers: The pawn industry is one of the most heavily regulated sectors regarding physical location.[5] Most jurisdictions in the U.S. and Mexico require specific licenses and enforce strict zoning laws that limit the proximity of pawn shops to one another or to residential zones.[5, 12] This creates a "grandfathered" geographic monopoly for existing stores.[5] A new entrant cannot simply open a competing shop across the street; they must navigate a multi-year permitting process that is often denied, effectively protecting FirstCash's localized market share.[5, 12]
- Economies of Scale in Inventory Management: Operating over 3,300 stores allows FirstCash to utilize a centralized data repository for pricing collateral.[7, 15] While a local shop might misprice a luxury watch or a specialized tool, FirstCash uses decades of transaction data to set loan values that maximize both redemption and potential resale profit.[5, 7] Furthermore, its scale enables it to reallocate inventory between regions to match local demand, optimizing inventory turns which currently sit around 2.8x to 3.5x.[6, 9]
- Brand and Professionalization: In Latin America, FirstCash has become a "trusted" brand in a sector historically characterized by informality.[12] By providing clean, well-lit, and professionally managed stores, the company captures a larger share of the emerging middle class who require temporary liquidity but seek a bank-like experience.[11, 12]
- High Switching Costs in POS: For AFF, the moat is technological.[5] Once a retail partner integrates AFF's proprietary underwriting and payment software into their point-of-sale systems, the friction of switching to a competitor is high.[5] This B2B "stickiness" ensures a stable pipeline of originations as long as the merchant remains operational.[5]
TAM and Market Opportunity Analysis
The global market for pawnbroking was valued at approximately $39.42 billion in 2025 and is expected to grow to nearly $50 billion by 2034.[3] Within the U.S., the industry generates approximately $14.5 billion in annual revenue through 11,000 stores.[4] The fact that the top three chains control less than 15% of the U.S. market indicates a massive "roll-up" opportunity for a consolidator like FirstCash.[4]
In Latin America, the opportunity is even more significant.[11] With over 8,000 pawn shops providing essential services in regions with limited financial inclusion, FirstCash is well-positioned to continue its double-digit expansion.[9, 11] The 2025 acquisition of H&T Group in the UK (the largest operator in that country with 286 stores) provides FirstCash with a "platform for further international expansion" into the broader European market, a region that is currently undergoing its own professionalization phase in the alternative credit sector.[2, 10, 16]
Competitive Landscape and Market Positioning
FirstCash's primary direct competitor is EZCORP (EZPW), alongside thousands of independent operators.[12]
| Feature |
FirstCash Holdings (FCFS) |
EZCORP (EZPW) |
| Total Pawn Locations |
~3,330 [15] |
~1,200 [12] |
| Operating Margin |
~15.6% [8, 17] |
~15% [12] |
| Net Income Margin |
~9.0% [17, 18] |
Volatile [12] |
| ROE (TTM) |
~15.3% - 18.0% [17, 18] |
~11.0% (Avg) [7] |
| Growth Strategy |
Aggressive M&A + Organic [1] |
Primarily Organic [12] |
FirstCash is demonstrably gaining ground, particularly through its superior capital allocation.[1, 12] The acquisition of H&T effectively secured a dominant position in a new continent, while its consistent dividend and share repurchase programs indicate a more mature and shareholder-friendly model than its peers.[1, 12, 18] Strategically, the company's "asset-light" approach to pawn—where loans are fully backed by hard collateral—makes it the most economically sound player in the peer group.[7]
Scale Driven Dominance
3. Financial Performance & Valuation:
FirstCash has entered 2026 coming off a record-breaking 2025 fiscal year, marked by the successful integration of major acquisitions and sustained demand for its core services.[1, 15]
Latest Financial Results (FY 2025 and Q4 2025)
The latest annual report for the fiscal year ended December 31, 2025, and the results for the fourth quarter of 2025 were announced simultaneously on February 5, 2026.[1, 13, 19]
Annual Performance (FY 2025):
For the full year 2025, FirstCash reported record total revenues of $3.661 billion, representing an 8% increase over the $3.389 billion reported in 2024.[15, 20] GAAP diluted EPS for the year was $7.42, a significant 29% increase compared to 2024.[15, 18] The company’s Adjusted EBITDA for the full year rose 25% to $698 million, reflecting strong operational leverage and the initial contributions from the H&T acquisition.[13, 15]
Quarterly Performance (Q4 2025):
The fourth quarter was a milestone period, as consolidated revenues exceeded $1.0 billion for the first time in company history, reaching $1.058 billion.[1, 15] This represented a 20% year-over-year increase.[1]
- Revenue Beat: Reported revenue of $1.058B surpassed the analyst consensus estimate of $1.043B.[1]
- Earnings Beat: Adjusted diluted EPS came in at $2.64, exceeding the consensus estimate of $2.56.[1, 21]
- Pawn Receivables: Consolidated same-store pawn receivables grew by a record 18%, providing a strong leading indicator for future pawn fee revenue.[1, 15]
Management Commentary and Guidance
During the earnings announcement, CEO Rick Wessel highlighted the "exceptional strength" across all three pawn segments (U.S., Latin America, and the UK).[15] Management provided the following guidance for 2026:
- U.S. Pawn: Expectations for low double-digit revenue growth in pawn fees.[13, 15]
- Latin America Pawn: Expectations for mid-teen growth in pawn fees on a local currency basis, assuming stable exchange rates.[13, 15]
- UK Segment: Projected segment income for the H&T operations is expected to be between $115 million and $125 million for 2026.[13, 15]
- AFF Segment: While gross revenues in AFF fell 15% in Q4 2025 due to the "runoff" of portfolios from bankrupt partners (Conn’s and American Freight), management noted that originations from remaining partners grew 8%, signaling a pivot toward a more diversified and stable merchant mix.[13, 15]
- Capital Allocation: The company declared a quarterly dividend of $0.42 per share (a $1.68 annualized rate) and authorized a new $150 million share repurchase program for 2026.[1, 15]
The market reaction to these results was initially muted (the stock fell ~1.1% in pre-market trading), which analysts attributed to a "sell the news" reaction after a strong month-long rally of +5.4% leading up to the release.[1] However, analyst price targets were subsequently raised, with Canaccord Genuity moving its target to $240.[22, 23]
Historical Financial Summary (5-Year)
| Metric |
2021 |
2022 |
2023 |
2024 |
2025 |
| Total Revenue ($B) |
$1.699 |
$2.729 |
$3.152 |
$3.389 |
$3.661 |
| Revenue Growth |
4.17% |
60.62% |
15.50% |
7.52% |
8.03% |
| GAAP EPS ($) |
$3.89 |
$5.07 |
$5.09 |
$5.75 |
$7.42 |
| Free Cash Flow ($B) |
$0.102 |
$0.351 |
$0.286 |
$0.386 |
$0.586* |
| Stores (Total) |
~1,500 |
~2,800 |
~3,000 |
~3,000 |
3,330 |
2025 FCF is represented by Operating Cash Flow as reported in snippets.[15, 24]
Valuation Analysis
As of April 2026, FirstCash trades at a trailing P/E ratio of approximately 27.8x.[18, 25] This represents a premium compared to the broader consumer finance sector (~10.6x) and its own fair value estimate of ~15x used by some conservative analysts.[23, 26] However, the valuation must be viewed through the lens of its business model:
- Earnings Durability: Unlike unsecured lenders, FCFS earnings are protected by hard assets (collateral). This warrants a higher multiple than a credit card or personal loan provider.[7, 12]
- Growth Trajectory: With an expected EPS growth of 16.75% for 2026 and a 5-year revenue CAGR of ~15%, the company's PEG ratio (~0.93) is actually quite attractive compared to high-growth retail peers.[18, 23]
- H&T Synergy: The UK segment is expected to be immediately accretive, with a projected $0.20 to $0.25 EPS contribution in its first full year of integration.[2, 10]
Proven Compounding Machine
4. Risk Assessment & Macroeconomic Considerations:
Despite its resilient structure, FirstCash is exposed to several significant risks that investors must monitor to ensure the long-term thesis remains intact.
Company-Specific and Execution Risks
- Integration of H&T Group: The $383 million acquisition is FirstCash's first major foray into the European regulatory environment.[2, 10] While management has a strong track record, any failure to harmonize operational cultures or realize the projected $115M+ segment income in the UK would be a major setback.[13]
- American First Finance (AFF) Volatility: The recent bankruptcies of Conn’s HomePlus and American Freight decimated a significant portion of AFF’s origination volume.[5, 13] While management is pivoting to smaller, regional merchants, another wave of retail failures could lead to permanent impairment of this segment's value.[5, 15]
- Labor Inflation: The Latin American segment, particularly Mexico, is highly sensitive to minimum wage hikes. Effective January 1, 2026, the Mexico federal minimum wage increased by 12%.[13, 15] If the company cannot offset these costs through higher volume or pricing power, operating margins will compress.[15]
Regulatory and Legal Risks
- Mexican Consumer Protection (PROFECO): In late 2025, the Mexican government amended Article 76 Bis of the Federal Consumer Protection Law, tightening rules around recurring charges and subscription cancellations.[27, 28] While primarily targeting streaming services, the Consumer Protection Agency (Profeco) has been granted expanded oversight powers that could increase compliance costs for FirstCash's electronic transaction platforms in Mexico.[28]
- UK FCA Oversight: The UK market is subject to stringent Financial Conduct Authority (FCA) requirements.[3] H&T’s lending and retail operations must comply with high transparency and consumer fairness standards, which are generally more rigorous than those in some U.S. states.[3]
- Interest Rate Caps: There is a persistent risk that U.S. federal or state-level legislation could cap the APR on small-dollar loans. While pawn loans are typically exempt from some "payday" regulations due to their non-recourse nature, a broad-based interest rate cap would significantly damage the pawn fee revenue stream.[5]
Macroeconomic Sensitivities
- Gold and Precious Metal Prices: Since 70% of pawn inventory value is tied to jewelry, a prolonged decline in gold prices is the most significant macro threat.[4, 5] A drop in gold value reduces both the "scrap" jewelry profit and the collateral value for new loans.[5, 15]
- Currency Fluctuations (FX Risk): FirstCash reports in USD but generates significant cash flow in Mexican Pesos (MXN) and British Pounds (GBP).[8] In Q1 2025, a 20% decline in the average Peso exchange rate caused reported segment income in Latin America to fall 2% despite a 13% increase on a constant currency basis.[14] Continued strength in the USD is a persistent headwind for reported earnings.[14]
- Underbanked Demographics: The demand for pawn services is driven by the 30 million Americans who are underbanked.[3, 4] Any structural shift—such as a massive government direct-transfer program or the widespread adoption of "no-fee" digital banking for low-income tiers—could erode the long-term demand for pawn liquidity.[3]
Risk Identification Table
| Risk Factor |
Early Warning Sign |
Impact on Long-Term Thesis |
| Gold Price Crash |
Sustained decline below $1,800/oz |
Reduces scrap margins and loan growth capacity. |
| AFF Loss Provisioning |
CECL provisions exceeding 30% of originations |
Signals deteriorating credit quality in the subprime LTO segment.[14] |
| Regulatory Change |
PROFECO fines or new FCA restrictions |
Mandatory operational restructuring and margin compression.[28] |
| FX Devaluation |
10%+ decline in MXN or GBP vs. USD |
Reduces reported EPS and limits capital repatriation efficiency.[14] |
Managed Macro Sensitivity
5. 5-Year Scenario Analysis:
This scenario analysis estimates the potential return for FirstCash Holdings through the year 2031, based on the fundamental drivers and valuation dynamics identified in the 2025 results.
Base Case (60% Probability)
In the base case, FirstCash successfully integrates the UK operations and maintains its steady expansion in Latin America and the U.S.
- Revenue Growth: 11% CAGR, driven by the addition of 120-150 new stores annually and mid-single-digit same-store growth.[6]
- Margins: Adjusted EBITDA margins remain stable at ~20% as Mexico wage inflation is offset by UK synergies and scale.[15, 17]
- Financial Assumption: 5-year Sales Growth of 11% annually.
- Share Count: Buybacks reduce the share count by ~1.5% per year, from ~43.8M to ~40.6M.[15, 29]
- Exit Multiple: Compression to a 20x P/E multiple as the business matures and international growth moderates.
- Estimated Year 5 EPS: $14.20.
- Implied Future Share Price: $284.00.
High Case (25% Probability)
The high case assumes an "acceleration" phase where FirstCash uses the H&T platform to roll into continental Europe and the AFF segment achieves a major turnaround.
- Revenue Growth: 16% CAGR. European expansion beyond the UK begins, and AFF originations return to 20%+ growth.[16, 30]
- Margins: Margin expansion to 22% EBITDA as digital pawn renewals (target 40%) reduce store labor intensity.[6]
- Financial Assumption: 5-year Sales Growth of 16% annually.
- Share Count: Aggressive buybacks reduce the share count to ~38M.
- Exit Multiple: Maintains a premium 25x P/E due to high growth and "global leader" status.
- Estimated Year 5 EPS: $18.50.
- Implied Future Share Price: $462.50.
Low Case (15% Probability)
The low case considers a "regulatory and macro squeeze" coupled with a collapse in gold prices.
- Revenue Growth: 5% CAGR. Growth is stunted by restrictive zoning in the U.S. and new fee caps in Mexico.
- Margins: Compression to 14% EBITDA margin due to outsized wage inflation and a 30% drop in gold prices impacting scrap.[5, 15]
- Financial Assumption: 5-year Sales Growth of 5% annually.
- Share Count: Minimal buybacks; count remains at ~43.8M.
- Exit Multiple: De-rating to 12x P/E, standard for low-growth specialty finance.[26]
- Estimated Year 5 EPS: $8.50.
- Implied Future Share Price: $102.00.
Scenario Summary Table
| Scenario |
Year 5 Revenue (Est) |
Margin / EPS Assumption |
Valuation Multiple |
Current Price |
Implied Future Price |
5-Year Total Return |
Annualized Return |
Probability |
| High Case |
$7.69B |
$18.50 EPS |
25x |
$206.77 |
$462.50 |
+123.7% |
17.5% |
25% |
| Base Case |
$6.17B |
$14.20 EPS |
20x |
$206.77 |
$284.00 |
+37.3% |
6.6% |
60% |
| Low Case |
$4.67B |
$8.50 EPS |
12x |
$206.77 |
$102.00 |
-50.7% |
-13.1% |
15% |
| Weighted |
$6.33B |
$14.42 EPS |
19.3x |
$206.77 |
$278.60 |
+34.7% |
6.1% |
100% |
Resilient Growth Compounded
6. Qualitative Scorecard:
- Management Alignment: 9/10
CEO Rick Wessel’s ownership of ~867,000 shares (worth ~$178M) ensures he is incentivized as an owner, not just an operator.[31] The compensation mix (76% at-risk for the CEO) is heavily tied to performance metrics and stock vesting.[32]
- Revenue Quality: 8/10
The core pawn revenue is exceptionally high-quality due to its collateral-backed nature.[5] The AFF segment is lower quality due to its unsecured LTO structure and sensitivity to third-party merchant health.[5]
- Market Position: 10/10
FirstCash is the undisputed leader in a highly fragmented industry.[1] The H&T acquisition removed its largest international threat and created a dominant UK presence.[33]
- Growth Outlook: 8/10
While the U.S. is mature, the Latin American and European opportunities remain vast.[3, 6] The shift toward digital renewals (targeting 40%) provides a clear path to margin expansion.[6]
- Financial Health: 10/10
A Current Ratio of 4.55 and Debt-to-Equity of 0.97 are nearly unheard of in the finance sector, indicating extreme safety.[7, 18]
- Business Viability: 9/10
The pawn model is uniquely "un-disruptable" by digital-only entrants because it requires physical storage of bulky collateral and local zoning permits.[5, 12]
- Capital Allocation: 9/10
A history of disciplined acquisitions (Cash America, AFF, H&T) and 10 years of dividend increases shows a master-class in balancing growth with income.[1, 23]
- Analyst Sentiment: 7/10
Consensus "Buy" remains, but some analysts are becoming cautious about the 27x P/E multiple relative to the 8.5x industry average.[23, 25, 26]
- Profitability: 10/10
Consistently outperforms EZPW and traditional retailers on ROE and Net Margins.[7, 12, 18]
- Track Record: 10/10
FirstCash has a decades-long history of compounding shareholder value through economic cycles.[1, 34]
Overall Blended Score: 9.0 / 10
High-Quality Specialty Finance
7. Conclusion & Investment Thesis:
The investment thesis for FirstCash Holdings (FCFS) rests on its status as a "counter-cyclical compounder" that has successfully professionalized a fragmented and ancient industry.[1, 4] By maintaining localized monopolies through zoning and scale, the company generates high-margin cash flow that is largely insulated from the credit default cycles that destroy other subprime lenders.[5, 7] The transformative entry into the United Kingdom provides a new growth engine that diversifies the company away from its heavy reliance on the U.S. and Mexican markets.[2]
Key catalysts for the next 24 months include the full realization of H&T synergies, a potential rebound in gold prices, and the successful stabilization of the AFF segment under a more diversified merchant base.[13, 15] While investors must be mindful of the premium valuation and the impact of the strong U.S. dollar, the underlying fundamental strength and massive liquidity buffers make FirstCash one of the most resilient names in the mid-cap finance space.[7, 12]
Resilient Global Compounder
8. Technical Analysis, Price Action & Short-Term Outlook:
FirstCash (FCFS) is currently in a strong technical uptrend, trading at $206.77, which is 20% above its 200-day moving average of $171.51 and significantly above its 50-day average of $191.70.[25, 35] The stock reached an all-time high of $210.18 in early 2026 following its record Q4 results.[23, 36] The short-term outlook is "Consolidation-Positive," with technical indicators like the RSI suggesting some near-term profit-taking may occur before the next leg up, supported by analyst price target revisions to the $240 level.[23, 37]
Strong Technical Uptrend
- FirstCash Holdings Inc (NASDAQ:FCFS) Reports Record Q4 Revenue and Earnings Beat, https://www.chartmill.com/news/FCFS/Chartmill-41237-FirstCash-Holdings-Inc-NASDAQFCFS-Reports-Record-Q4-Revenue-and-Earnings-Beat
- FirstCash Completes Acquisition of H&T Group; Combination Establishes FirstCash as U.K.'s Leading Pawnbroker, https://ir.firstcash.com/news-releases/news-release-details/firstcash-completes-acquisition-ht-group-combination-establishes/
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- FirstCash Reports Record Second Quarter Operating Results; Strong Performance Across All Segments Drives Over 30% Year-to-Date EPS Growth; Increases Quarterly Cash Dividend 11%, https://ir.firstcash.com/news-releases/news-release-details/firstcash-reports-record-second-quarter-operating-results-strong/
- FirstCash completes acquisition of UK's H&T Group - Investing.com, https://www.investing.com/news/company-news/firstcash-completes-acquisition-of-uks-ht-group-93CH-4191954
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- FirstCash Reports Record Fourth Quarter and Full-Year Operating Results; Fourth Quarter Revenues Increase 20%, Driving Even Greater Earnings Growth; 28 New Pawn Locations Added in the Fourth Quarter Through Acquisitions and Openings; Declares Quarterly Cash Dividend, https://investors.firstcash.com/news-releases/news-release-details/firstcash-reports-record-fourth-quarter-and-full-year-0/
- FirstCash Reports Record First Quarter Operating Results; Earnings per Share Increase 39% in Total and 34% on an Adjusted Basis, https://ir.firstcash.com/news-releases/news-release-details/firstcash-reports-record-first-quarter-operating-results/
- FirstCash Holdings Q4 revenue jumps 20%, first $1B | FCFS Stock ..., https://www.stocktitan.net/news/FCFS/first-cash-reports-record-fourth-quarter-and-full-year-operating-g0734lw6ar7q.html
- FirstCash to Acquire H&T Group, the Leading Operator of Pawnshops in the United Kingdom, https://ir.firstcash.com/news-releases/news-release-details/firstcash-acquire-ht-group-leading-operator-pawnshops-united/
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- FCFS Stock Price | Analyst Target 205.00 & Consensus - eToro, https://www.etoro.com/markets/fcfs
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- A Look At FirstCash Holdings (FCFS) Valuation As Rising Fuel Costs Shift Pawn Loan Demand - Sahm Stock Trading, https://www.sahmcapital.com/news/content/a-look-at-firstcash-holdings-fcfs-valuation-as-rising-fuel-costs-shift-pawn-loan-demand-2026-04-13
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- FirstCash (NASDAQ: FCFS) seeks votes on directors, auditor ratification and Texas reincorporation - Stock Titan, https://www.stocktitan.net/sec-filings/FCFS/pre-14a-first-cash-holdings-inc-preliminary-proxy-statement-c3d52226cd24.html
- FirstCash Reports Record First Quarter Earnings Results; Pawn Fee Revenues Increase 15% Coupled with Growth in AFF Originations, https://ir.firstcash.com/news-releases/news-release-details/firstcash-reports-record-first-quarter-earnings-results-pawn-fee/
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