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FirstCash HoldingsFCFS -0.38%85 3-Year EPS without NRI Growth Rate is 19.10% as of Jun. 2026, which is 4% above its 10-year median of 18.40. 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 435 Credit Services companies, FirstCash Holdings ranks better than 62.3% on this metric.
During the past 12 months, FirstCash Holdings's average EPS without NRI Growth Rate was 31.90% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 19.10% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 22.50% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 13.20% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of FirstCash Holdings was 90.60% per year. The lowest was -8.40% per year. And the median was 18.40% per year.
FirstCash Holdings (NAS:FCFS) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
FirstCash Holdings 3-Year EPS without NRI Growth Rate Related Terms
FCFS vs OMF, KLAR, CACC: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, FirstCash Holdings's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FirstCash Holdings's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where FirstCash Holdings's 3-Year EPS without NRI Growth Rate falls into.
FirstCash Holdings 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 19.10% mean?
FirstCash Holdings (FCFS) has a 3-Year EPS without NRI Growth Rate of 19.10% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for FirstCash Holdings and its competitors. This is near median its historical median of 18.40. According to the industry distribution chart, FirstCash Holdings ranks #164 out of 435 companies in the Credit Services industry, placing it in the top 37.7%.
Is FirstCash Holdings' 3-Year EPS without NRI Growth Rate too high?
FirstCash Holdings' current 3-Year EPS without NRI Growth Rate of 19.10% is near median its 10-year median of 18.40. The Credit Services industry median 3-Year EPS without NRI Growth Rate is 11.40. FirstCash Holdings' value of 19.10% is 67.5% above this industry median. Based on the distribution chart, FirstCash Holdings ranks #164 out of 435 companies in the Credit Services industry, which is above 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' 3-Year EPS without NRI Growth Rate compare to OMF and KLAR?
According to the Credit Services industry distribution chart, FirstCash Holdings ranks #164 out of 435 companies for 3-Year EPS without NRI Growth Rate. This puts FirstCash Holdings in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.40. FirstCash Holdings' value of 19.10% is 67.5% above this benchmark. While the company's 10-year median is 18.40 vs. the industry median of 11.40, 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 EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.40, based on 435 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 19.10% is 67.5% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for FirstCash Holdings and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FirstCash Holdings's current 3-Year EPS without NRI Growth Rate is 19.10%, which is near median its own 10-year median of 18.40. 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 $215.34 — trading 33.3% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 19.10%, which is near median its 10-year median of 18.40 and 67.5% above the Credit Services industry median of 11.40. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For FirstCash Holdings (FCFS), the current 3-Year EPS without NRI Growth Rate is 19.10% 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 $215.34 is trading 33.3% above its estimated GF Value™ of $161.49.
GuruFocus considers FirstCash Holdings to be Significantly Overvalued.
Key valuation signals for FCFS:
3-Year EPS without NRI Growth Rate: 19.10% (near median its 10-year median of 18.40)
GF Value™: $161.49 vs. price of $215.34 (33.3% above fair value)
Industry Position: 67.5% above the Credit Services median (#164 of 435)
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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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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