Stock·NASDAQ·Financial Services
FirstCash Inc (FCFS)
- Market cap
- $9.34B
- P/E
- 24.49
- Dividend yield
- 0.78%
- Street target
- $251.00median of 4 analysts
- 52-week range
- $146.77 $238.93
The short version
Where FCFS stands today, in four lines, and what CleaRank Financial AI makes of it.
FCFS at a glance
FirstCash Inc (FCFS): Buy, 71/100 on CleaRank's AI score.
- Trend Mixed: the price is above its 200-day but below its 50-day moving average ($204.98 and $217.06).
- Earnings FCFS beat estimates in 8 of its last 8 quarters, yet fell the next day after 2 of those beats.
- Insiders Insiders sold $37.8M and made no open-market purchases over the last 18 months.
- Valuation P/E of 24.5 against 16.5 for the Financial Services sector: a premium to peers (+48%).
Figures as of October 17, 2026.
CleaRank Financial AI
FirstCash Inc (FCFS) receives a CleaRank rating of Buy and a model score of 71/100.
The analysts' outlook pushes the score up the most, with 4 of 4 analysts rating the stock a buy and a median target 16.6% above the price. Momentum pulls it down the most, since the MACD line is negative. On trend the picture is mixed: the price is 0.83% below its 50-day average of $217.06 but 5.02% above its 200-day average of $204.98. The price rose 35.79% over the past year.
Only on CleaRank
Figures we compute ourselves from FCFS's own price, earnings and insider-filing history. Tap one to see it in context.
Price and trading
The chart, today's range and how far the price has moved over each period.
Trend checks
3/4Price above its 50-day average ›
The price of $215.26 is 0.8% below the 50-day simple moving average of $217.06.Price above its 200-day average ›
The price is 5.0% above the 200-day simple moving average of $204.98.50-day average above the 200-day ›
The 50-day average ($217.06) is 5.9% above the 200-day average ($204.98), the arrangement of a rising longer-term trend.In the upper half of its 52-week range ›
The price sits at 74% of its 52-week range, between $146.77 and $238.93.
FCFS share price
Pick a period: each tab shows how far FCFS has moved over it, to the last close.
Today's trading
Where FCFS sits inside today's range and its 52-week range.
Fundamentals
Valuation against the sector, and the revenue and earnings behind it.
Valuation and quality checks
4/5P/E below the sector median ›
The trailing P/E of 24.49 is 48.4% above the Financial Services median of 16.5.P/S below the sector median ›
The price-to-sales ratio of 2.27 is 40.4% below the sector median of 3.8.Profitable over the last 12 months ›
Net income over the last 12 months was $388.1M on revenue of $4.1B, a net margin of 9.4%.Beat estimates in most recent reports ›
FCFS beat the EPS estimate in 8 of its last 8 reports.Pays a dividend ›
The trailing dividend yield is 0.78%, or $1.68 a share a year.
Key statistics
The headline figures for FCFS.
As of October 17, 2026, FCFS trades at $215.26, with a market value of $9.34B, a P/E ratio of 24.49 and a dividend yield of 0.78%.
What the numbers say
CleaRank Financial AI's reading of FCFS's valuation, growth and risks.
FirstCash Inc (FCFS) carries a trailing P/E of 24.49, which is 48.4% above the Financial Services median of 16.5. The peer comparison on this page puts the P/E at a premium to peers. Measured against sales, the price-to-sales ratio of 2.27 is 40.3% below the sector median of 3.8. Trailing earnings stand at $8.79 per share.
FCFS is growing faster than its sector, with revenue up 29.40% in the latest year compared with a sector median of 11.7%. Profitability is solid, with a net margin of 9.42% and an operating margin of 15.51%. Return on equity, a measure of how well shareholders' capital is put to work, reaches 17.40%, which is above the sector median of 13.8%. On the balance sheet, debt-to-equity stands at 1.16. The trailing dividend yield is 0.78%, equal to $1.68 a share each year.
FCFS reported its latest quarter on July 23, 2026, beating the estimate by 4.60%: EPS came in at $2.50 versus an estimate of $2.39. The shares nonetheless slipped 1.19% in the first session after the release.
Across its last 8 reports, FCFS beat the estimate every time, but beats have not guaranteed gains: the stock fell the next day after 2 of them. Looking ahead, analysts expect EPS of $11.19 this fiscal year (growth of 27.8%) and $12.98 the year after (growth of 16.0%).
The P/E of 24.49, 48.4% above the sector median, puts FCFS at a premium to peers, so weaker results would meet a higher bar. On a typical day the price of FCFS shifts by 1.29%, the 30-day standard deviation of its daily returns. Insiders sold $37.8M over the last 18 months and bought none on the open market, though sales of this kind are often planned in advance and say less than purchases would.
FCFS against the Financial Services sector
How FCFS compares with the median Financial Services stock CleaRank tracks.
Price to earnings vs sector: FCFS trades at a significant premium to sector peers (+48%), suggesting market expectations for superior growth or market position.
Return vs XLF: Since May 6, 2025, FCFS has gained 60.4% against a gain of 12.9% for XLF.
Performance against XLF
FCFS and the Financial Services sector fund over the same days.
Revenue and earnings
How much FCFS sells, and how much of it becomes profit.
Revenue growth: Revenue grew 8.0% in FY2025 to $3.7B, from $3.4B a year earlier.
Profit margin: The net margin was 9.0% in FY2025, up from 7.6% the year before.
Profitable: FCFS earned $330M in FY2025.
Earnings reality check
Did FCFS beat what analysts expected, and how did the stock react?
Earnings record: FCFS beat the analyst estimate in 8 of the last 8 quarters.
Market reaction: The stock fell in the first session after 2 of those 8 beats, so a beat has not been enough on its own.
| Report | Estimate | Actual | Surprise | First session | 5 sessions |
|---|---|---|---|---|---|
| Jul 23, 2026after close | $2.39 | $2.50 | +4.60% | -1.19% | +2.29% |
| Apr 23, 2026after close | $2.39 | $2.69 | +12.55% | +3.14% | +2.77% |
| Feb 5, 2026after close | $2.53 | $2.64 | +4.35% | +2.40% | +2.45% |
| Oct 30, 2025after close | $1.93 | $2.26 | +17.10% | +0.03% | +2.18% |
| Jul 24, 2025after close | $1.67 | $1.79 | +7.19% | +0.13% | +9.00% |
| Apr 24, 2025after close | $1.74 | $2.07 | +18.97% | +0.17% | +0.71% |
| Jan 30, 2025after close | $2.01 | $2.12 | +5.47% | -2.91% | -0.52% |
| Oct 24, 2024after close | $1.62 | $1.67 | +3.09% | +3.21% | +1.18% |
As of October 17, 2026, FCFS has beaten the analyst EPS estimate in 8 of its last 8 reported quarters and fell in the first trading session after 2 of those beats; its latest report, on July 23, 2026, came in 4.60% above the estimate and the stock moved -1.19% in the first session.
The first session is the first full trading day on the news: the report day itself for a report before the open, the next day for one after the close. Surprise is actual EPS against the consensus estimate.
AI analysis and technicals
CleaRank's score and reasoning, the indicators behind it, and what the price moves with.
Momentum checks
1/3RSI not overbought or oversold ›
The 14-day RSI is 49.4, in neutral territory.RSI above 50 ›
An RSI of 49.4 is below the 50 midpoint, so sellers have had the upper hand over the last 14 days.MACD line above zero ›
The MACD line is negative, so the 12-day average is below the 26-day average.
CleaRank AI analysis of FCFS
The score, the reasoning behind it, and what could move the price next.
FirstCash Inc (FCFS) is giving a mixed trend reading. At $215.26, the stock is 0.83% below its 50-day average of $217.06, yet 5.02% above its 200-day average of $204.98. Its price sits close to the top of its 52-week range: 9.91% below the high of $238.93 and 46.66% above the low of $146.77. The 50-day average is 5.89% above the 200-day, so the longer averages have not yet adjusted to the softer recent price.
A recent pullback sits inside a stronger longer record: the price fell 2.02% over the past month, rose 0.77% over the past three months and rose 35.79% over the past year. The 14-day RSI of 49.4 is in the neutral zone, and the MACD line is negative.
Analyst upgrade ›
Loop Capital upgraded it to Buy from Hold on August 10, 2026.
Source: Analyst action, Loop Capital, August 10, 2026Rating reaffirmed ›
TD Cowen kept its Buy rating on October 6, 2026.
Source: Analyst action, TD Cowen, October 6, 2026
Earnings beat ›
The July 23, 2026 report beat the EPS estimate by 4.60%, and the share price fell 1.19% in the first session after it.
Source: Earnings report, July 23, 2026
- The two nearest levels matter most: the 50-day SMA at $217.06 sits above the price, and the 200-day SMA at $204.98 sits below it.
- The 14-day RSI is 49.4, which is neutral, and the MACD line is negative. Readings above 70 or below 30 would point to stretched momentum.
- After the July 23, 2026 report the share price fell 1.19% in the first session; FCFS beat estimates in 8 of the last 8 reports.
FCFS sits right at its 20-day EMA, so neither side has an edge in the short run. Its trend is mixed. The price is above the 200-day average of $204.98 but below the 50-day average of $217.06. Reclaiming the 50-day would flip both signals to the upside, while a close under the 200-day would flip both to the downside. Going up, the first level met is the 50-day SMA at $217.06; going down, it is the 200-day SMA at $204.98.
Technical indicators
Momentum and trend for FCFS, from its daily closes.
As of October 17, 2026, with FCFS at $215.26, its 14-day RSI is 49.4 (neutral territory), its 50-day simple moving average is $217.06 and its 200-day is $204.98.
Calculated by CleaRank on daily closes as of October 17, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26).
What FCFS moves with
Correlation of daily returns over one year: +1 moves in step, 0 has no link, -1 moves the opposite way.
As of October 17, 2026, FCFS's 1-year correlation of daily returns is +0.23 with S&P 500 (SPY), +0.19 with Nasdaq 100 (QQQ), +0.10 with Bitcoin (BTC) and +0.15 with gold (XAU).
What Wall Street expects
The analysts' target range and how their ratings split.
Analysts checks
3/3Most analysts rate it a buy ›
4 of 4 analysts rate it a buy or strong buy, 0 a hold and 0 a sell.Median target above the price ›
The median 12-month target of $251.00 is 16.6% above the price.More buy ratings than three months ago ›
4 of 4 rate it a buy now, against 3 of 5 three months ago.
FCFS Wall Street View
12-month price targets
The price, $215.26, sits below every analyst's target.
Ratings
Recent rating actions
| Date | Firm | Action | Rating |
|---|---|---|---|
| Oct 6, 2026 | TD Cowen | Maintains | Buy |
| Oct 1, 2026 | Stephens & Co. | Reiterates | Overweight |
| Aug 10, 2026 | Loop Capital | Upgrade | Buy |
| Jul 7, 2026 | TD Cowen | Maintains | Buy |
| Apr 24, 2026 | TD Cowen | Maintains | Buy |
| Apr 24, 2026 | Canaccord Genuity | Maintains | Buy |
As of October 17, 2026, 4 Wall Street analysts cover FCFS: 4 rate it a buy or strong buy, 0 a hold and 0 a sell or strong sell. Their 12-month price targets range from $242.00 to $255.00, with a median of $251.00, 16.6% above the price of $215.26.
Source: TwelveData analyst consensus. Targets and ratings belong to the analysts, not to CleaRank.
A trade plan, if you want one
Entry, stop and target levels from the moving averages and recent volatility. Educational, not advice.
FCFS trade plan
Entry, stop and target levels, sized to your account. Change the bias or the risk and every level updates.
Long entry pick an entry style
Risk management
Profit targets (Based on Conservative Entry)
These levels come from FCFS's moving averages and recent volatility, not from a forecast. Educational levels, not financial advice; the full disclaimer is at the foot of the page.
Risk profile
How much FCFS tends to move, against the market and on its own.
The long record
FCFS's worst falls and recoveries, what $10,000 became, and which months have been kind to it.
Track record checks
4/4Average daily move under 2% ›
The price has moved 1.29% on an average day (30-day standard deviation of daily returns).Recovered from its worst fall ›
The worst fall was 49.2%, from July 2019 to October 2020, regained by May 2023.Most 1-year holds ended higher ›
75% of 1-year holding periods in the last 10 years ended with a gain.Beat the S&P 500 since the chart begins ›
$10,000 invested in October 2016 is now worth $53,255, against $42,055 in the S&P 500 (SPY).
FCFS Drawdowns & Recovery
As of October 17, 2026, FCFS's worst peak-to-trough fall over the last 10 years with dividends reinvested was -49.2% (July 2019 to October 2020); it regained that peak by May 2023, 31 months after the low, and 75% of 1-year holding periods ended with a gain.
From weekly closing values with dividends reinvested. A drawdown is the fall from the highest value reached so far to a later low.
Growth of $10,000
What $10,000 put into FCFS in October 2016 is worth now, against the same amount in the S&P 500.
Against the market: FCFS beat the S&P 500 over this period: $53,255 against $42,055.
A $10,000 investment in FCFS in October 2016 would be worth about $53,255 today with dividends reinvested, compared with about $42,055 for the same investment in the S&P 500 benchmark (also with dividends reinvested).
Seasonal patterns
Which calendar months have been kind to FCFS, and which have not.
Strongest month, April: an average of +6.14%, up in 8 of 10 years.
Weakest month, December: an average of -1.47%, up in 4 of 10 years.
This month, October: has averaged +1.14%, up in 4 of 9 years. Past seasonality does not repeat on schedule.
Over the last 10 years, FCFS's strongest calendar month has been April (average +6.14%, up in 8 of 10 years) and its weakest December (average -1.47%, up in 4 of 10 years).
Average return for each calendar month over the last 10 years, from weekly closing prices with dividends included.
Long-term scenarios
Thousands of simulated paths from the price history. A range of outcomes, not a forecast.
Monte Carlo projection
Thousands of simulated paths for $10,000 in FCFS, from its own past volatility. The shaded area holds 80% of them.
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in FCFS today could grow to about $25,034 by 2036 in the base case, with a 90th-percentile outcome near $87,773 and a 10th-percentile outcome around $7,140. The simulation models price only; at today's 0.78% yield, dividends would add to these figures. Projections are statistical simulations, not guarantees.
FCFS Stock Price Prediction: 2030
The same simulation in share prices, year by year.
CleaRank's simulation projects a price near $311 for FCFS by 2030 in the base case, from $215 today (1.4x over 4 years). The 10th-percentile path ends near $141. These are outcomes of a Monte Carlo simulation run on FCFS's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | 10th percentile | Base case | 90th percentile | range base today |
|---|---|---|---|---|
| 2027 | $159 | $236 | $351 | |
| 2028 | $148 | $259 | $453 | |
| 2029 | $143 | $283 | $564 | |
| 2030 | $141 | $311 | $687 | |
| 2031 | $140 | $341 | $827 |
Method: a lognormal simulation of FCFS's own volatility and capped historical trend, re-run daily; base case is the median path, the outer columns the 10th and 90th percentiles.
Insider trading
What the people running the company have bought and sold.
FCFS insider trading
Shares the company's directors and officers bought and sold, from their own filings.
Month by month
Open-market purchases above the line, sales below.
Insider buying: No insider bought FCFS shares on the open market in the last 18 months. Sales are often planned in advance or cover tax on vesting shares, so they say less than purchases would.
As of October 17, 2026, FCFS insiders reported 25 open-market sales worth $37.8M and no open-market purchases over the last 18 months; grants and option exercises are not counted.
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Sep 3, 2026 | James Henry Graves
Director
|
Sell | 3.8K | $829.5K |
| Sep 3, 2026 | James Henry Graves
Director
|
Grant | 750 | - |
| Aug 18, 2026 | Howard Francis Hambleton
Officer
|
Sell | 2.0K | $426.0K |
| Aug 17, 2026 | Thomas Brent Stuart
Chief Executive Officer
|
Sell | 5.3K | $1.1M |
| Aug 17, 2026 | R Douglas Orr
Chief Financial Officer
|
Sell | 3.0K | $648.0K |
| Jun 5, 2026 | Raul R Ramos
Officer
|
Sell | 6.8K | $1.5M |
| May 28, 2026 | Raul R Ramos
Officer
|
Sell | 3.2K | $731.5K |
| May 19, 2026 | Howard Francis Hambleton
Officer
|
Sell | 3.0K | $679.2K |
| May 18, 2026 | Thomas Brent Stuart
President
|
Sell | 10.0K | $2.3M |
| May 18, 2026 | R Douglas Orr
Chief Financial Officer
|
Sell | 3.0K | $681.9K |
| May 1, 2026 | Paula K. Garrett
Director
|
Sell | 1.5K | $326.1K |
| Apr 15, 2026 | R Douglas Orr
Chief Financial Officer
|
Grant | 12.5K | - |
| Feb 18, 2026 | Howard Francis Hambleton
Officer
|
Sell | 4.0K | $740.5K |
| Feb 17, 2026 | Thomas Brent Stuart
President
|
Sell | 10.0K | $1.8M |
| Feb 17, 2026 | R Douglas Orr
Chief Financial Officer
|
Sell | 3.0K | $549.0K |
| Feb 5, 2026 | R Douglas Orr
Chief Financial Officer
|
Sell | 7.5K | $1.3M |
| Feb 5, 2026 | Howard Francis Hambleton
Officer
|
Sell | 2.0K | $355.3K |
| Jan 28, 2026 | Daniel E Berce
Director
|
Grant | 833 | - |
| Jan 28, 2026 | Marthea Davis
Director
|
Grant | 833 | - |
| Jan 28, 2026 | Mikel D Faulkner
Director
|
Grant | 833 | - |
| Jan 28, 2026 | Paula K. Garrett
Director
|
Grant | 833 | - |
| Jan 28, 2026 | James Henry Graves
Director
|
Grant | 833 | - |
| Jan 28, 2026 | Howard Francis Hambleton
Officer
|
Grant | 21.1K | - |
| Jan 28, 2026 | R Douglas Orr
Chief Financial Officer
|
Grant | 39.5K | - |
| Jan 28, 2026 | Randel G Owen
Director
|
Grant | 833 | - |
| Jan 28, 2026 | Raul R Ramos
Officer
|
Grant | 2.0K | - |
| Jan 28, 2026 | Thomas Brent Stuart
President
|
Grant | 46.3K | - |
| Jan 28, 2026 | Rick L Wessel
Chief Executive Officer
|
Grant | 122.6K | - |
| Dec 31, 2025 | Rick L Wessel
Chief Executive Officer
|
Grant | 21.0K | - |
| Dec 29, 2025 | R Douglas Orr
Chief Financial Officer
|
Grant | 1.5K | - |
| Dec 15, 2025 | Howard Francis Hambleton
Officer
|
Sell | 4.0K | $655.0K |
| Nov 20, 2025 | Randel G Owen
Director
|
Sell | 1.5K | $228.3K |
| Nov 19, 2025 | Rick L Wessel
Chief Executive Officer
|
Sell | 20.0K | $3.1M |
| Nov 17, 2025 | Thomas Brent Stuart
President
|
Sell | 10.0K | $1.6M |
| Nov 17, 2025 | R Douglas Orr
Chief Financial Officer
|
Sell | 5.5K | $870.6K |
| Nov 3, 2025 | Howard Francis Hambleton
Officer
|
Grant | 1.9K | - |
| Oct 15, 2025 | R Douglas Orr
Chief Financial Officer
|
Sell | 7.5K | $1.2M |
| Sep 2, 2025 | R Douglas Orr
Chief Financial Officer
|
Sell | 5.5K | $811.2K |
| Aug 21, 2025 | Rick L Wessel
Chief Executive Officer
|
Sell | 100.0K | $13.9M |
| Aug 21, 2025 | Rick L Wessel
Chief Executive Officer
|
Grant | 15.0K | - |
| Aug 4, 2025 | James Henry Graves
Director
|
Sell | 6.0K | $807.4K |
| Aug 4, 2025 | James Henry Graves
Director
|
Grant | 1.0K | - |
| Jun 10, 2025 | Howard Francis Hambleton
Officer
|
Sell | 3.9K | $510.6K |
Source: TwelveData, from SEC Form 4 filings
Questions people ask
Answered from the figures on this page, as of October 17, 2026.