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FirstCash HoldingsMEX:FCFS1 85 Debt-to-EBITDA is 2.53 as of Jun. 2026, which is 8% above its 10-year median of 2.35. GuruFocus rates MEX:FCFS1 with a GF Score™ of 85/100 and a GF Value™ of MXN3,149.41. The stock has 3 warning signs investors should review. Among 284 Credit Services companies, FirstCash Holdings ranks better than 77.46% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for FirstCash Holdings's Debt-to-EBITDA or its related term are showing as below:
MEX:FCFS1'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.6 Med: 2.35 Max: 6.16
Current: 2.47
During the past 13 years, the highest Debt-to-EBITDA Ratio of FirstCash Holdings was 6.16. The lowest was 1.60. And the median was 2.35.
MEX:FCFS1's Debt-to-EBITDA is ranked better than 77.46% of 284
companies
in the Credit Services industry
Industry Median: 9.2
vs MEX:FCFS1: 2.47
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
FirstCash Holdings Debt-to-EBITDA Related Terms
FirstCash Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for FirstCash Holdings's Debt-to-EBITDA 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.
MEX:FCFS1 vs OMF, KLAR, CACC: Debt-to-EBITDA Comparison
For the Credit Services subindustry, FirstCash Holdings's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FirstCash Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where FirstCash Holdings's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
FirstCash Holdings (MEX:FCFS1) has a Debt-to-EBITDA of 2.53 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on FirstCash Holdings. This is near median its historical median of 2.35. Over the past decade, FirstCash Holdings' Debt-to-EBITDA has ranged from 1.60 to 6.16. According to the industry distribution chart, FirstCash Holdings ranks #64 out of 284 companies in the Credit Services industry, placing it in the top 22.5%.
Is FirstCash Holdings' Debt-to-EBITDA too high?
FirstCash Holdings' current Debt-to-EBITDA of 2.53 is near median its 10-year median of 2.35. Over the past 10 years, this metric has ranged from a low of 1.60 to a high of 6.16. The Credit Services industry median Debt-to-EBITDA is 9.20. FirstCash Holdings' value of 2.53 is 72.5% below this industry median. Based on the distribution chart, FirstCash Holdings ranks #64 out of 284 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, FirstCash Holdings has a GF Score™ of 85/100, reflecting its overall financial health beyond just this single metric.
How does FirstCash Holdings' Debt-to-EBITDA compare to OMF and KLAR?
According to the Credit Services industry distribution chart, FirstCash Holdings ranks #64 out of 284 companies for Debt-to-EBITDA. This places FirstCash Holdings in the top 23% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 9.20. FirstCash Holdings' value of 2.53 is 72.5% below this benchmark. Historically, FirstCash Holdings' own Debt-to-EBITDA has ranged from 1.60 to 6.16 over the past decade. While the company's 10-year median is 2.35 vs. the industry median of 9.20, 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 Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.20, based on 284 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FirstCash Holdings's current Debt-to-EBITDA of 2.53 is 72.5% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on FirstCash Holdings. For the Credit Services industry, the median Debt-to-EBITDA is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FirstCash Holdings's current Debt-to-EBITDA is 2.53, which is near median its own 10-year median of 2.35. 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?
FirstCash Holdings (MEX:FCFS1) has a current Debt-to-EBITDA of 2.53. The stock's GF Value™ is MXN3,149.41, compared to a current price of MXN4,013.00 — trading 27.4% above its estimated fair value. The current Debt-to-EBITDA is 2.53, which is near median its 10-year median of 2.35 and 72.5% below the Credit Services industry median of 9.20. FirstCash Holdings' overall GF Score™ is 85/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For FirstCash Holdings (MEX:FCFS1), the current Debt-to-EBITDA is 2.53 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 (MEX:FCFS1) Overvalued in 2026?
Based on GuruFocus' analysis, FirstCash Holdings stock appears to be overvalued.
The current stock price of MXN4,013.00 is trading 27.4% above its estimated GF Value™ of MXN3,149.41.
Key valuation signals for MEX:FCFS1:
Debt-to-EBITDA: 2.53 (near median its 10-year median of 2.35)
GF Value™: MXN3,149.41 vs. price of MXN4,013.00 (27.4% above fair value)
Industry Position: 72.5% below the Credit Services median (#64 of 284)
No single metric tells the full story. See the MEX:FCFS1 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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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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