Yahoo Finance report covering FirstCash Holdings Inc. (FCFS) market action, institutional positioning, and fundamental catalysts.
Why FCFS Stock dropped -3.50% Today — RQD Quant Desk Flash
FirstCash Holdings Inc. (FCFS) carries a Roarable Rating of D+ (Sell) with 57/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is FCFS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, FirstCash Holdings Inc. (NASDAQ: FCFS) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $181.25 (-3.50% 1D, market cap $7.77B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 11/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1011 tracked Consumer Discretionary issuers, FCFS ranks #388 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does FCFS compare to DKS and BBWI in the Consumer Discretionary sector?
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Within the Consumer Discretionary sector (Other Specialty Stores), FCFS carries a Roarable D+ (57/100 RQD), trailing P/E of 24.4x, gross margin of 96.0%, and ROIC of 7.3%. By comparison, DKS (Dick's Sporting Goods Inc) holds a D+ grade (55/100 RQD, P/E 14.9x, ROIC 11.2%, cap $12.79B) and BBWI (Bath & Body Works Inc.) posts a A- grade (81/100 RQD, P/E 7.1x, ROIC 64.6%, cap $4.59B). Among the 5-stock peer group, BBWI leads on earnings multiple (7.1x) while BBWI leads on capital efficiency (64.6% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for FCFS?
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Per FCFS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000840489), FirstCash Holdings Inc. generated $1.67B in revenue (+10.7% YoY), $330.4M in net income, and $510.9M in free cash flow against $5.30B in total assets and $2.21B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
SEC XBRL FY 2025 (10-K): 30.6% FCF Margin ($510.9M FCF) & 110.3% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)
⚔️ Adversarial Opposing Case: Why the FCFS Bull Thesis Could Fail
Even with a 57/100 (D+) score, FCFS faces multiple-compression risk if 24.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 107.8% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($210.73) or 200D SMA ($206.65) invalidates the momentum regime and cuts Target Base ($180.43) toward Bear Floor ($140.74).
Why FCFS Stock dropped -3.50% Today — RQD Quant Desk Flash
FirstCash Holdings Inc. (FCFS) dropped -3.50% to $181.25, trading at 37% of its 52-week range ($146.95 – $238.93). Stretched risk/reward at 24x P/E (7% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 37% of its 52-week range ($146.95 – $238.93) with RSI-14 at 35.8 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±8.4% around $181.25 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D+ (Sell) backed by 110.3% gross margin and $510.9M annual free cash flow.
ChartMill report covering FirstCash Holdings Inc. (FCFS) market action, institutional positioning, and fundamental catalysts.
TradingView report covering FirstCash Holdings Inc. (FCFS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering FirstCash Holdings Inc. (FCFS) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering FirstCash Holdings Inc. (FCFS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering FirstCash Holdings Inc. (FCFS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering FirstCash Holdings Inc. (FCFS) market action, institutional positioning, and fundamental catalysts.
FORT WORTH, Texas, Oct. 28, 2026 (GLOBE NEWSWIRE) -- FirstCash Holdings, Inc. (“FirstCash” or the “Company”) (Nasdaq: FCFS), the leading international operator of more than 3,300 retail pawn stores, today announced that
Under the existing share repurchase program authorized in July 2026, FirstCash has repurchased to date 644,000 shares of its outstanding common stock at an average price of $199.46 per share, for an aggregate purchase
See 25 dividend stocks with recent payout hikes, including top picks, fair value upside, yield, and risk flags.
Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FCFS)
- ✓Walkthrough of FCFS's RQD Radar, SEC cash-conversion gap & downside invalidation levels
- ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
- ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
FCFS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +10.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FCFS today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FCFS. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FCFS)
1. Head-to-Head Consumer Discretionary Peer Comparison (FCFS vs. DKS, BBWI, ASO, RH)
Industry: Other Specialty Stores (42 Tracked Issuers)Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, FirstCash Holdings Inc. (FCFS) ranks #388 by composite RQD confidence (57/100, grade D+) and #199 by equity capitalization ($7.77B). Within this direct 5-issuer industry benchmark cohort, BBWI leads on earnings valuation at 7.1x trailing P/E, while BBWI leads on capital efficiency and profitability with 64.6% ROIC and 43.7% gross margin. BBWI currently holds the highest overall quantitative score in the immediate peer group at 81/100 (A-) compared with FCFS at 57/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| FCFS
ACTIVE
FirstCash Holdings Inc. | D+ | 57/100 | 24.4x | 96.0% | 7.3% | -3.50% | $7.77B | Benchmark Subject |
| DKS Dick's Sporting Goods Inc | D+ | 55/100 | 14.9x | 32.9% | 11.2% | +1.30% | $12.79B | /dks-vs-fcfs → |
| BBWI Bath & Body Works Inc. | A- | 81/100 | 7.1x | 43.7% | 64.6% | -0.04% | $4.59B | /bbwi-vs-fcfs → |
| ASO Academy Sports and Outdoors Inc. | C+ | 68/100 | 9.9x | 34.8% | 17.4% | -1.91% | $3.65B | /aso-vs-fcfs → |
| RH RH | D+ | 56/100 | 22.9x | 44.1% | 15.1% | -2.74% | $2.78B | /rh-vs-fcfs → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000840489In its most recent audited fiscal period (FY2025, filed 2025-12-31), FirstCash Holdings Inc. (FCFS) reported GAAP revenue of $1.67B (+10.7% vs. FY2024 revenue of $1.51B , and +20.8% cumulative change since FY2023) , GAAP net income of $330.4M, operating cash flow of $585.9M, and free cash flow of $510.9M (+8.2% YoY). On the balance sheet, FCFS closed FY2025 with $5.30B in total assets against $2.21B in total debt (Altman Z-Score: 2.93, Piotroski F-Score: 9/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $1.67B | $330.4M | $585.9M | $510.9M | $5.30B | $2.21B |
| FY2024 (FY) | 2024-12-31 | $1.51B | $258.8M | $540.0M | $472.1M | $4.48B | $1.73B |
| FY2023 (FY) | 2023-12-31 | $1.38B | $219.3M | $416.1M | $354.0M | $4.43B | $1.04B |
3. FCFS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs FCFS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, FirstCash Holdings Inc. (NASDAQ: FCFS) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $181.25 (-3.50% 1D, market cap $7.77B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 11/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1011 tracked Consumer Discretionary issuers, FCFS ranks #388 in composite RQD confidence.
How does FCFS compare to DKS and BBWI in the Consumer Discretionary sector?
Within the Consumer Discretionary sector (Other Specialty Stores), FCFS carries a Roarable D+ (57/100 RQD), trailing P/E of 24.4x, gross margin of 96.0%, and ROIC of 7.3%. By comparison, DKS (Dick's Sporting Goods Inc) holds a D+ grade (55/100 RQD, P/E 14.9x, ROIC 11.2%, cap $12.79B) and BBWI (Bath & Body Works Inc.) posts a A- grade (81/100 RQD, P/E 7.1x, ROIC 64.6%, cap $4.59B). Among the 5-stock peer group, BBWI leads on earnings multiple (7.1x) while BBWI leads on capital efficiency (64.6% ROIC).
What are the biggest fundamental strengths and SEC risk factors for FCFS?
Per FCFS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000840489), FirstCash Holdings Inc. generated $1.67B in revenue (+10.7% YoY), $330.4M in net income, and $510.9M in free cash flow against $5.30B in total assets and $2.21B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is FCFS trading relative to its 50-day, 200-day, and 52-week technical levels?
FCFS last traded at $181.25 (-3.50% on volume of 783,886 shares), positioning the stock -13.99% below its 50-day simple moving average ($210.73) and -12.29% below its 200-day simple moving average ($206.65). Across its 52-week range of $146.95 to $238.93, FCFS sits at the 37.3% percentile with a 14-day RSI of 35.8 (NEUTRAL RANGE) and an implied next-earnings move of ±8.4% ($166.03 to $196.47).
FCFS Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is FCFS stock moving today?
Why FCFS Stock dropped -3.50% Today — RQD Quant Desk Flash. Stretched risk/reward at 24x P/E (7% return on capital) under elevated 10-year interest-rate pressure.
FCFS — FirstCash Holdings Inc.: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, FCFS scores 58 out of 100, grading D+ under the verdict "Roarable Sell — Weak Fundamentals / Trim." The five pillars are: Fundamental Cash Engine at 12/20 (ROIC 7.3%; FCF yield 6.34%), Whale 13F Flow at 7/20 (institutional accumulation and options positioning), Insider Conviction at 16/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 12/20 (Beta 1.12; sector sensitivity), and Forensic Balance Sheet at 11/20 (Altman Z 2.93; Piotroski F 9/9; Debt/Equity 0.97). The strongest pillar is insider conviction, while whale/13F flow is the weakest. Per the same rating, the forensic balance sheet metrics are a mixed picture: the Piotroski score is at its maximum, yet the rating still assigns only 11/20 to this pillar. For a prospective investor, the rating implies that the cash-generation and balance-sheet case is real but not sufficient to offset weak institutional support and a sensitivity to the macro regime. Per the market data, the stock trades at a P/E (TTM) of 24.4 and an EV/EBITDA of 21.7, so valuation is a meaningful tradeoff against the 6.34% FCF yield. This is an analytical read of the source data, not a recommendation.
Snapshot
Business
FirstCash Holdings Inc. is a NASDAQ-listed issuer in the Consumer Discretionary sector and the Other Specialty Stores industry, per the profile. Not available in source data for detailed product lines, customer base, or revenue mechanics. The source data shows a gross margin of 96%, an operating margin of 24.2%, and a net margin of 19.8% per the market data, but does not describe how these revenues are generated.
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $1668.4M | $389.8M | $330.4M | N/A | $510.9M | $125.2M | $2208.4M |
| FY 2024 | $1507.1M | $305.4M | $258.8M | N/A | $472.1M | $175.1M | $1729.3M |
| FY 2023 | $1381.3M | $258.8M | $219.3M | N/A | $354.0M | N/A | $1036.7M |
Per the SEC financials, revenue, operating income, net income, and free cash flow each rose across the three reported fiscal years. Per the market data, operating margin is 24.2%, net margin is 19.8%, and ROIC is 7.3%. Per the Roarable RQD rating, the Altman Z-Score is 2.93, the Piotroski F-Score is 9/9, and Debt/Equity is 0.97. Debt rose from $1036.7M in FY 2023 to $2208.4M in FY 2025 per the SEC financials, so the balance sheet has grown more leveraged over the reported period.
Open Questions
- What does the AFF segment referenced in the Q3 2026 coverage represent, and how large is its contribution to revenue and margin?
- What drove the increase in debt from $1036.7M in FY 2023 to $2208.4M in FY 2025, and what are the repayment terms?
- Why is EPS reported as N/A in the financial periods when TTM EPS is 7.7 per the market data?
- Why is cash reported as N/A for FY 2023 while other periods are populated?
- What institutional (13F) and insider (Form 4) activity underlies the whale and insider pillar scores, since the holders section is empty?
FCFS Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for FirstCash Holdings Inc. (FCFS) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering FirstCash Holdings Inc. (FCFS) market action, institutional positioning, and fundamental catalysts.
ChartMill report covering FirstCash Holdings Inc. (FCFS) market action, institutional positioning, and fundamental catalysts.
TradingView report covering FirstCash Holdings Inc. (FCFS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering FirstCash Holdings Inc. (FCFS) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering FirstCash Holdings Inc. (FCFS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering FirstCash Holdings Inc. (FCFS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering FirstCash Holdings Inc. (FCFS) market action, institutional positioning, and fundamental catalysts.
FORT WORTH, Texas, Oct. 28, 2026 (GLOBE NEWSWIRE) -- FirstCash Holdings, Inc. (“FirstCash” or the “Company”) (Nasdaq: FCFS), the leading international operator of more than 3,300 retail pawn stores, today announced that
FCFS Bull vs. Bear Conversation Board — What's Your Call at $181.25?
🔥 Official Bull vs. Bear Debate: Is FCFS (D+ • RQD 58/100) a Buy at $187.82?
Welcome to the FCFS (FirstCash Holdings Inc.) Roar Pit. Current RQD Composite is 58/100 (Roarable Sell — Weak Fundamentals / Trim) in Other Specialty Stores. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on FCFS — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on FCFS, but look at what you are paying: 24.4x trailing P/E with 96.0% gross margins. Unless FirstCash Holdings Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
FCFS cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on FCFS, the market is fixating on short-term headline noise in Other Specialty Stores and ignoring the balance sheet and cash flow trajectory. At $187.82 (52-wk range $146.95 - $238.93), any beat on forward guidance forces shorts and underweight funds to chase.