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FirstCash HoldingsFCFS -2.17%90 3-Year FCF Growth Rate is 9.20% as of Jun. 2026, which is 42% below its 10-year median of 15.80. GuruFocus rates FCFS with a GF Score™ of 90/100 and a GF Value™ of $162.24 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 309 Credit Services companies, FirstCash Holdings ranks better than 57.28% on this metric.
During the past 12 months, FirstCash Holdings's average Free Cash Flow per Share Growth Rate was 22.10% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 9.20% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was 23.40% per year.
During the past 10 years, the average Free Cash Flow per Share Growth Rate was 17.10% 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 Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of FirstCash Holdings was 77.70% per year. The lowest was -28.50% per year. And the median was 15.80% per year.
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
FirstCash Holdings 3-Year FCF Growth Rate Related Terms
FCFS vs OMF, CACC, ALLY: 3-Year FCF Growth Rate Comparison
For the Credit Services subindustry, FirstCash Holdings's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF 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 FCF Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FirstCash Holdings's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where FirstCash Holdings's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow 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 Free Cash Flow per Share growth rate.
FirstCash Holdings (FCFS) has a 3-Year FCF Growth Rate of 9.20% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for FirstCash Holdings and its competitors. This is 42% below median its historical median of 15.80. According to the industry distribution chart, FirstCash Holdings ranks #132 out of 309 companies in the Credit Services industry, placing it in the top 42.7%.
Is FirstCash Holdings' 3-Year FCF Growth Rate too high?
FirstCash Holdings' current 3-Year FCF Growth Rate of 9.20% is 42% below median its 10-year median of 15.80. The Credit Services industry median 3-Year FCF Growth Rate is 1.60. FirstCash Holdings' value of 9.20% is 475% above this industry median. Based on the distribution chart, FirstCash Holdings ranks #132 out of 309 companies in the Credit Services industry, which is above the industry midpoint. Overall, FirstCash Holdings has a GF Score™ of 90/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FirstCash Holdings' 3-Year FCF Growth Rate compare to OMF and CACC?
According to the Credit Services industry distribution chart, FirstCash Holdings ranks #132 out of 309 companies for 3-Year FCF Growth Rate. This puts FirstCash Holdings in the upper half of its industry. The industry median 3-Year FCF Growth Rate is 1.60. FirstCash Holdings' value of 9.20% is 475% above this benchmark. While the company's 10-year median is 15.80 vs. the industry median of 1.60, 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 FCF Growth Rate for a Credit Services company?
The median 3-Year FCF Growth Rate among Credit Services companies is 1.60, based on 309 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF 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 FCF Growth Rate of 9.20% is 475% 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 FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for FirstCash Holdings and its competitors. For the Credit Services industry, the median 3-Year FCF Growth Rate is 1.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FirstCash Holdings's current 3-Year FCF Growth Rate is 9.20%, which is 42% below median its own 10-year median of 15.80. 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 $162.24, compared to a current price of $219.04 — trading 35% above its estimated fair value. The current 3-Year FCF Growth Rate is 9.20%, which is 42% below median its 10-year median of 15.80 and 475% above the Credit Services industry median of 1.60. FirstCash Holdings' overall GF Score™ is 90/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For FirstCash Holdings (FCFS), the current 3-Year FCF Growth Rate is 9.20% 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 $219.04 is trading 35% above its estimated GF Value™ of $162.24.
GuruFocus considers FirstCash Holdings to be Significantly Overvalued.
Key valuation signals for FCFS:
3-Year FCF Growth Rate: 9.20% (42% below median its 10-year median of 15.80)
GF Value™: $162.24 vs. price of $219.04 (35% above fair value)
Industry Position: 475% above the Credit Services median (#132 of 309)
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.
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