FirstCash HoldingsSTU:FF60 -0.85%75 Days Payable is 20.88 as of Mar. 2026, which is 284% above its 10-year median of 5.44. GuruFocus rates STU:FF60 with a GF Score™ of 75/100 and a GF Value™ of €131.75 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 300 Credit Services companies, FirstCash Holdings ranks worse than 57.67% on this metric.
The historical rank and industry rank for FirstCash Holdings's Days Payable or its related term are showing as below:
STU:FF60'
s Days Payable Range Over the Past 10 Years
Min: 2.62 Med: 5.44 Max: 22.21
Current: 22.21
During the past 13 years, FirstCash Holdings's highest Days Payable was 22.21. The lowest was 2.62. And the median was 5.44.
STU:FF60's Days Payable is ranked worse than 57.67% of 300
companies
in the Credit Services industry
Industry Median: 33.405
vs STU:FF60: 22.21
FirstCash Holdings's Days Payable
increased
from Mar. 2025 (7.12) to Mar. 2026 (20.88).
It may suggest that FirstCash Holdingsdelayed paying its suppliers.
FirstCash Holdings Days Payable Related Terms
FirstCash Holdings Days Payable Historical Data
* Premium members only.
The historical data trend for FirstCash Holdings's Days Payable 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.
STU:FF60 vs KLAR, OMF, CACC: Days Payable Comparison
For the Credit Services subindustry, FirstCash Holdings's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FirstCash Holdings's Days Payable distribution charts can be found below:
* The bar in red indicates where FirstCash Holdings's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
FirstCash Holdings's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (STU:FF60) has a Days Payable of 20.88 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on FirstCash Holdings and its competitors. This is 284% above median its historical median of 5.44. Over the past decade, FirstCash Holdings' Days Payable has ranged from 2.62 to 22.21. According to the industry distribution chart, FirstCash Holdings ranks #173 out of 300 companies in the Credit Services industry, placing it in the top 57.7%.
Is FirstCash Holdings' Days Payable too high?
FirstCash Holdings' current Days Payable of 20.88 is 284% above median its 10-year median of 5.44. Over the past 10 years, this metric has ranged from a low of 2.62 to a high of 22.21. The Credit Services industry median Days Payable is 33.41. FirstCash Holdings' value of 20.88 is 37.5% below this industry median. Based on the distribution chart, FirstCash Holdings ranks #173 out of 300 companies in the Credit Services industry, which is below the industry midpoint. Overall, FirstCash Holdings has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FirstCash Holdings' Days Payable compare to KLAR and OMF?
According to the Credit Services industry distribution chart, FirstCash Holdings ranks #173 out of 300 companies for Days Payable. This places FirstCash Holdings in the lower half of its industry. The industry median Days Payable is 33.41. FirstCash Holdings' value of 20.88 is 37.5% below this benchmark. Historically, FirstCash Holdings' own Days Payable has ranged from 2.62 to 22.21 over the past decade. While the company's 10-year median is 5.44 vs. the industry median of 33.41, 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 Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.41, based on 300 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FirstCash Holdings's current Days Payable of 20.88 is 37.5% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on FirstCash Holdings and its competitors. For the Credit Services industry, the median Days Payable is 33.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FirstCash Holdings's current Days Payable is 20.88, which is 284% above median its own 10-year median of 5.44. 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 Significantly Overvalued. The stock's GF Value™ is €131.75, compared to a current price of €191.65 — trading 45.5% above its estimated fair value. The current Days Payable is 20.88, which is 284% above median its 10-year median of 5.44 and 37.5% below the Credit Services industry median of 33.41. FirstCash Holdings' overall GF Score™ is 75/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For FirstCash Holdings (STU:FF60), the current Days Payable is 20.88 as of Mar. 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 €191.65 is trading 45.5% above its estimated GF Value™ of €131.75.
GuruFocus considers FirstCash Holdings to be Significantly Overvalued.
Key valuation signals for STU:FF60:
Days Payable: 20.88 (284% above median its 10-year median of 5.44)
GF Value™: €131.75 vs. price of €191.65 (45.5% above fair value)
Industry Position: 37.5% below the Credit Services median (#173 of 300)
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 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.
75GF Score
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