FirstCash Holdings (STU:FF60) Cyclically Adjusted FCF per Share: €6.87 (As of Jun. 2026)

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STU:FF60 FirstCash Holdings Inc STU:FF60
87 GF Score
Price €176.65
GF Value €139.93
Valuation Modestly Overvalued
! 3 Warning Signs
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What is FirstCash Holdings Cyclically Adjusted FCF per Share?

FirstCash Holdings STU:FF60 +1.41% 87 Cyclically Adjusted FCF per Share is €6.87 as of Jun. 2026. GuruFocus rates STU:FF60 with a GF Score™ of 87/100 and a GF Value™ of €139.93 (Modestly Overvalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

FirstCash Holdings's adjusted free cash flow per share for the three months ended in Jun. 2026 was €3.135. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €6.87 for the trailing ten years ended in Jun. 2026.

During the past 12 months, FirstCash Holdings's average Cyclically Adjusted FCF Growth Rate was 20.10% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 15.20% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 16.70% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 14.50% 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 Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of FirstCash Holdings was 169.20% per year. The lowest was 8.40% per year. And the median was 15.30% per year.

As of today (2026-08-03), FirstCash Holdings's current stock price is €176.65. FirstCash Holdings's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was €6.87. FirstCash Holdings's Cyclically Adjusted Price-to-FCF of today is 25.71.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of FirstCash Holdings was 36.05. The lowest was 15.07. And the median was 22.43.


FirstCash Holdings  (STU:FF60) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

FirstCash Holdings's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=176.65/6.87
=25.71

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of FirstCash Holdings was 36.05. The lowest was 15.07. And the median was 22.43.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


FirstCash Holdings Cyclically Adjusted FCF per Share Related Terms


FirstCash Holdings Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for FirstCash Holdings's Cyclically Adjusted FCF per Share 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.

FirstCash Holdings Cyclically Adjusted FCF per Share Chart

FirstCash Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.80 4.34 4.69 5.80 6.08

FirstCash Holdings Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.58 5.65 6.08 6.44 6.87

STU:FF60 vs OMF, KLAR, CACC: Cyclically Adjusted FCF per Share Comparison

For the Credit Services subindustry, FirstCash Holdings's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, FirstCash Holdings's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where FirstCash Holdings's Cyclically Adjusted Price-to-FCF falls into.


STU:FF60
87GF Score
FirstCash Holdings Inc STU:FF60
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

FirstCash Holdings Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, FirstCash Holdings's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=3.135/333.9520*333.9520
=3.135

Current CPI (Jun. 2026) = 333.9520.

FirstCash Holdings Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 -0.140 241.428 -0.194
201612 1.151 241.432 1.592
201703 1.078 243.801 1.477
201706 0.546 244.955 0.744
201709 0.648 246.819 0.877
201712 1.291 246.524 1.749
201803 1.499 249.554 2.006
201806 0.372 251.989 0.493
201809 0.834 252.439 1.103
201812 1.187 251.233 1.578
201903 1.258 254.202 1.653
201906 0.430 256.143 0.561
201909 1.002 256.759 1.303
201912 1.191 256.974 1.548
202003 1.439 258.115 1.862
202006 1.198 257.797 1.552
202009 0.546 260.280 0.701
202012 0.700 260.474 0.897
202103 1.221 264.877 1.539
202106 0.672 271.696 0.826
202109 0.284 274.310 0.346
202112 1.591 278.802 1.906
202203 2.127 287.504 2.471
202206 1.871 296.311 2.109
202209 1.914 296.808 2.154
202212 2.792 296.797 3.142
202303 1.952 301.836 2.160
202306 1.628 305.109 1.782
202309 1.920 307.789 2.083
202312 1.726 306.746 1.879
202403 1.948 312.332 2.083
202406 1.845 314.175 1.961
202409 1.998 315.301 2.116
202412 3.943 315.605 4.172
202503 2.349 319.799 2.453
202506 2.022 322.561 2.093
202509 2.380 324.800 2.447
202512 3.647 324.054 3.758
202603 2.610 330.213 2.640
202606 3.135 333.952 3.135

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €6.87 mean?
FirstCash Holdings (STU:FF60) has a Cyclically Adjusted FCF per Share of €6.87 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on FirstCash Holdings and its competitors.
Is FirstCash Holdings' Cyclically Adjusted FCF per Share too high?
FirstCash Holdings' current Cyclically Adjusted FCF per Share is €6.87. Overall, FirstCash Holdings has a GF Score™ of 87/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FirstCash Holdings' Cyclically Adjusted FCF per Share compare to OMF and KLAR?
FirstCash Holdings' Cyclically Adjusted FCF per Share of €6.87 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Credit Services company?
A good Cyclically Adjusted FCF per Share depends on the Credit Services industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on FirstCash Holdings and its competitors. FirstCash Holdings's current Cyclically Adjusted FCF per Share is €6.87. 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 (STU:FF60) is currently considered Modestly Overvalued. The stock's GF Value™ is €139.93, compared to a current price of €176.65 — trading 26.2% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €6.87. FirstCash Holdings' overall GF Score™ is 87/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For FirstCash Holdings (STU:FF60), the current Cyclically Adjusted FCF per Share is €6.87 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 (STU:FF60) Overvalued in 2026?

Based on GuruFocus' analysis, FirstCash Holdings stock appears to be overvalued. The current stock price of €176.65 is trading 26.2% above its estimated GF Value™ of €139.93. GuruFocus considers FirstCash Holdings to be Modestly Overvalued.

Key valuation signals for STU:FF60:

  • Cyclically Adjusted FCF per Share: €6.87
  • GF Value™: €139.93 vs. price of €176.65 (26.2% above fair value)
  • GF Score™: 87/100 with 3 warning signs

No single metric tells the full story. See the STU:FF60 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


FirstCash Holdings Business Description

Other Exchanges FCFS:USAFCFS1:Mexico
Address 1600 West 7th Street, Fort Worth, TX, USA, 76102
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.
87GF Score

Get the complete analysis for STU:FF60

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€176.65
Price
€139.93
GF Value