FirstCash Holdings, Inc. (FCFS)

FirstCash Holdings, Inc. stock has shown significant growth, with its share price increasing by 58.45% between April 7, 2025, and April 6, 2026. The company released Q3 2025 earnings on October 30, 2025, and Q4 2025 earnings on February 5, 2026, reporting $2.64 EPS and revenue of $1.06 billion, exceeding analysts' expectations. A quarterly cash dividend of $0.42 was announced on February 7, 2026. Analyst ratings have varied, with some firms cutting the stock from a "strong-buy" to a "hold" or "buy" rating, while others increased their price objective. On April 10, 2026, FirstCash's share price hit a new 52-week high of $202.46, and on April 6, 2026, shares fell 4.1% during mid-day trading.

FirstCash Holdings, Inc. serves cash and credit-constrained consumers, and the demand for its pawn loans and retail finance solutions can exhibit seasonality. Higher demand is often implied during periods of increased financial strain or specific times of the year when consumers might need extra cash, such as holidays or back-to-school. The company's investor relations page offers a tool to identify seasonal patterns.

FirstCash Holdings, Inc. is an international operator of pawn stores and a provider of technology-driven point-of-sale payment solutions, serving cash and credit-constrained consumers. The company operates in the financial services sector, specifically within the credit services industry. Its core business involves operating retail pawn stores, offering non-recourse pawn loans secured by personal property. Revenue from pawn operations constituted 83% of consolidated net revenues in 2024. Additionally, FirstCash provides lease-to-own and retail finance payment solutions through its subsidiary American First Finance.

FirstCash Holdings, Inc. operates over 3,000 pawn stores across 29 U.S. states and the District of Columbia, with Latin American pawn operations in Mexico, Guatemala, Colombia, and El Salvador. In May 2025, FirstCash expanded into the United Kingdom by acquiring H&T Group, adding operations in England, Scotland, and Wales. The retail POS payment solutions segment primarily operates within the U.S. and Puerto Rico.

In the past year, FirstCash Holdings, Inc. faced challenges to its reputation, including a CFPB lawsuit filed in November 2021 for alleged violations of the Military Lending Act and a previous 2013 CFPB order. The company also paid $379,125.73 to 253 workers in Seattle, Washington, in September 2022 to settle claims that it violated the city's minimum wage, break time, and leave laws.

FirstCash Holdings, Inc. ownership is predominantly institutional, with institutional investors holding 88.76% of the company's stock as of March 31, 2025. Major institutional owners include BlackRock, Inc., The Vanguard Group Inc., and FMR LLC. Douglas Richard Rippel is the largest individual shareholder, holding 4.44 million shares, constituting 10.00% of the company's ownership in 2025. Insider ownership comprises approximately 2.93% of FirstCash's stock.