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FirstCash HoldingsFCFS +0.74%85 3-Year Book Growth Rate is 8.40% as of Jun. 2026, which is 20% below its 10-year median of 10.50. GuruFocus rates FCFS with a GF Score™ of 85/100 and a GF Value™ of $161.49 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 516 Credit Services companies, FirstCash Holdings ranks better than 60.66% on this metric.
During the past 12 months, FirstCash Holdings's average Book Value per Share Growth Rate was 10.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 8.40% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 9.70% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 9.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of FirstCash Holdings was 73.70% per year. The lowest was -0.20% per year. And the median was 10.50% per year.
FirstCash Holdings (NAS:FCFS) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
FirstCash Holdings 3-Year Book Growth Rate Related Terms
FCFS vs OMF, KLAR, CACC: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, FirstCash Holdings's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
FirstCash Holdings 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FirstCash Holdings's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where FirstCash Holdings's 3-Year Book Growth Rate falls into.
FirstCash Holdings 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 8.40% mean?
FirstCash Holdings (FCFS) has a 3-Year Book Growth Rate of 8.40% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for FirstCash Holdings and its competitors. This is 20% below median its historical median of 10.50. According to the industry distribution chart, FirstCash Holdings ranks #203 out of 516 companies in the Credit Services industry, placing it in the top 39.3%.
Is FirstCash Holdings' 3-Year Book Growth Rate too high?
FirstCash Holdings' current 3-Year Book Growth Rate of 8.40% is 20% below median its 10-year median of 10.50. The Credit Services industry median 3-Year Book Growth Rate is 5.65. FirstCash Holdings' value of 8.40% is 48.7% above this industry median. Based on the distribution chart, FirstCash Holdings ranks #203 out of 516 companies in the Credit Services industry, which is above the industry midpoint. Overall, FirstCash Holdings has a GF Score™ of 85/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FirstCash Holdings' 3-Year Book Growth Rate compare to OMF and KLAR?
According to the Credit Services industry distribution chart, FirstCash Holdings ranks #203 out of 516 companies for 3-Year Book Growth Rate. This puts FirstCash Holdings in the upper half of its industry. The industry median 3-Year Book Growth Rate is 5.65. FirstCash Holdings' value of 8.40% is 48.7% above this benchmark. While the company's 10-year median is 10.50 vs. the industry median of 5.65, FirstCash Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 5.65, based on 516 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FirstCash Holdings's current 3-Year Book Growth Rate of 8.40% is 48.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for FirstCash Holdings and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 5.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FirstCash Holdings's current 3-Year Book Growth Rate is 8.40%, which is 20% below median its own 10-year median of 10.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FirstCash Holdings stock overvalued right now?
Based on GuruFocus' analysis, FirstCash Holdings (FCFS) is currently considered Significantly Overvalued. The stock's GF Value™ is $161.49, compared to a current price of $216.16 — trading 33.9% above its estimated fair value. The current 3-Year Book Growth Rate is 8.40%, which is 20% below median its 10-year median of 10.50 and 48.7% above the Credit Services industry median of 5.65. FirstCash Holdings' overall GF Score™ is 85/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For FirstCash Holdings (FCFS), the current 3-Year Book Growth Rate is 8.40% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is FirstCash Holdings (FCFS) Overvalued in 2026?
Based on GuruFocus' analysis, FirstCash Holdings stock appears to be overvalued.
The current stock price of $216.16 is trading 33.9% above its estimated GF Value™ of $161.49.
GuruFocus considers FirstCash Holdings to be Significantly Overvalued.
Key valuation signals for FCFS:
3-Year Book Growth Rate: 8.40% (20% below median its 10-year median of 10.50)
GF Value™: $161.49 vs. price of $216.16 (33.9% above fair value)
Industry Position: 48.7% above the Credit Services median (#203 of 516)
No single metric tells the full story. See the FCFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FirstCash Holdings Inc is an operator of pawn stores in the U.S., Latin America and the U.K. The company's primary line of business is the operation of retail pawn stores, also known as pawnshops. It also operates a retail POS payment solutions business. Its two business lines are organized into four reportable segments: The U.S. pawn segment consists of pawn operations in some of U.S. states and the District of Columbia; The Latin America pawn segment consists of pawn operations in Mexico, Guatemala, El Salvador and Colombia; The U.K. pawn segment consists of pawn operations in England, Scotland and Wales; and The retail POS payment solutions segment consists of the operations of American First Finance, LLC, which offers products in the U.S.
85GF Score
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