Why FCFS Stock dropped -3.50% Today — RQD Quant Desk Flash

$181.25 -3.50% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $179.76

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.

ROARABLE D+ • SELL / AVOID Cap $7.77B
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🤖 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.

✓ Pre-computed one-to-many AI Quant brief
🤖 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).

✓ Pre-computed one-to-many AI Quant brief
🤖 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.

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INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $179.76 (-0.82%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 30.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY • 52.2% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510057
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+
Cash (12)Whales (6)SEC (11)Macro (12)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE-0.5% Base Target
$251 Bull$180 Base$141 Bear
📬 FREE FCFS RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FCFS)Realized 20D OHLCV Swing Band: ±8.4%
Deterministic 5-Pillar Attribution (57/100 Composite)
🔍 WHY FCFS SCORES 57/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (28% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 30.6% FCF Margin ($510.9M FCF) & 110.3% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
65
Grade C+$216.53+0.1% Next Q
Q2 (-2Q)
62
Grade C+$216.75-12.3% Next Q
Q3 (-1Q)
60
Grade C$190.02-4.6% Next Q
Current
57
Grade D+$181.25-0.2% Hist 90D α
Trajectory: C+ (65) → D+ (57)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FCFS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

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.

⚠️ Forensic Kill-Switch #1

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 107.8% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

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).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FCFS• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FCFS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

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.
Live FCFS Headlines & Catalysts
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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
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FCFS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -18.18%📐 HORIZONTAL RANGE
2026-11-03O $187.8H $187.8L $181.3C $181.3VOL 783.9K
RES: $241.0SUP: $169.8SMA50: $210.7SMA200: $206.7
$244.0$222.9$201.8$180.6$159.5RES $241.0SUP $169.8$181.32026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FCFS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
18.1%/yr Implied 5Y Growth

vs. +10.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FCFS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FCFS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FCFS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FCFS)

Consumer Discretionary Rank #388 of 1011 ⚔️ DKS vs FCFS Full Matrix →

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 0000840489

In 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 ENABLED

Is 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 × FRED

Why 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.

ROARABLE RATING BRIEF • RQD 57/100 (D+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

FCFS — FirstCash Holdings Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:17:46Z

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

PriceMarket CapP/E (TTM)Forward P/EEV/EBITDAEPS (TTM)Dividend YieldBeta52-Wk RangeROIC %
187.82$8.06B24.422.721.77.70.88%1.12$146.95 - $238.937.3%

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

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$1668.4M$389.8M$330.4MN/A$510.9M$125.2M$2208.4M
FY 2024$1507.1M$305.4M$258.8MN/A$472.1M$175.1M$1729.3M
FY 2023$1381.3M$258.8M$219.3MN/A$354.0MN/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

💬 Jump to FCFS Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FCFS Bull vs. Bear Conversation Board — What's Your Call at $181.25?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FCFS 🐻 50% BEARISH CONVICTION
1. Pick Your Side on FCFS:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $202.85 (+8.0%)
📌 Pinned Debate

🔥 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.

BE BearTrap_Alert Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $152.13 (-19.0%)
Spot @ $187.82

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.

QU QuantViper Verified K Arena Trader 🐂 BULLISH 🎯 Target: $219.75 (+17.0%)
Spot @ $187.82

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.

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