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FirstCash HoldingsFCFS +0.74%85 Cash-to-Debt is 0.06 as of Jun. 2026, which is 14% below its 10-year median of 0.07. 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 worse than 72.29% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. FirstCash Holdings's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.06.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, FirstCash Holdingscouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for FirstCash Holdings's Cash-to-Debt or its related term are showing as below:
FCFS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05 Med: 0.07 Max: 0.29
Current: 0.06
During the past 13 years, FirstCash Holdings's highest Cash to Debt Ratio was 0.29. The lowest was 0.05. And the median was 0.07.
FCFS's Cash-to-Debt is ranked worse than 72.29% of 516
companies
in the Credit Services industry
Industry Median: 0.19
vs FCFS: 0.06
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
FirstCash Holdings Cash-to-Debt Related Terms
FirstCash Holdings Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for FirstCash Holdings's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, FirstCash Holdings's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FirstCash Holdings's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where FirstCash Holdings's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FirstCash Holdings (FCFS) has a Cash-to-Debt of 0.06 as of Jun. 2026. This is 14% below median its historical median of 0.07. Over the past decade, FirstCash Holdings' Cash-to-Debt has ranged from 0.05 to 0.29. According to the industry distribution chart, FirstCash Holdings ranks #373 out of 516 companies in the Credit Services industry, placing it in the top 72.3%.
Is FirstCash Holdings' Cash-to-Debt too high?
FirstCash Holdings' current Cash-to-Debt of 0.06 is 14% below median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.29. The Credit Services industry median Cash-to-Debt is 0.19. FirstCash Holdings' value of 0.06 is 68.4% below this industry median. Based on the distribution chart, FirstCash Holdings ranks #373 out of 516 companies in the Credit Services industry, which is below 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' Cash-to-Debt compare to OMF and KLAR?
According to the Credit Services industry distribution chart, FirstCash Holdings ranks #373 out of 516 companies for Cash-to-Debt. This places FirstCash Holdings in the lower half of its industry. The industry median Cash-to-Debt is 0.19. FirstCash Holdings' value of 0.06 is 68.4% below this benchmark. Historically, FirstCash Holdings' own Cash-to-Debt has ranged from 0.05 to 0.29 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.19, FirstCash Holdings has consistently been below 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 Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.19, based on 516 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FirstCash Holdings's current Cash-to-Debt of 0.06 is 68.4% below 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FirstCash Holdings's current Cash-to-Debt is 0.06, which is 14% below median its own 10-year median of 0.07. 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 Cash-to-Debt is 0.06, which is 14% below median its 10-year median of 0.07 and 68.4% below the Credit Services industry median of 0.19. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For FirstCash Holdings (FCFS), the current Cash-to-Debt is 0.06 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:
Cash-to-Debt: 0.06 (14% below median its 10-year median of 0.07)
GF Value™: $161.49 vs. price of $216.16 (33.9% above fair value)
Industry Position: 68.4% below the Credit Services median (#373 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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