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FirstCash HoldingsMEX:FCFS1 85 3-Year EBITDA Growth Rate is 7.70% as of Jun. 2026, which is 55% below its 10-year median of 17.10. 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 319 Credit Services companies, FirstCash Holdings ranks worse than 52.66% on this metric.
During the past 12 months, FirstCash Holdings's average EBITDA Per Share Growth Rate was 14.40% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 7.70% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 37.60% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 20.90% 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 EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of FirstCash Holdings was 90.40% per year. The lowest was -4.00% per year. And the median was 17.10% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
FirstCash Holdings 3-Year EBITDA Growth Rate Related Terms
MEX:FCFS1 vs OMF, KLAR, CACC: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, FirstCash Holdings's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA 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 EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FirstCash Holdings's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where FirstCash Holdings's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA 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 EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 7.70% mean?
FirstCash Holdings (MEX:FCFS1) has a 3-Year EBITDA Growth Rate of 7.70% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for FirstCash Holdings and its competitors. This is 55% below median its historical median of 17.10. According to the industry distribution chart, FirstCash Holdings ranks #168 out of 319 companies in the Credit Services industry, placing it in the top 52.7%.
Is FirstCash Holdings' 3-Year EBITDA Growth Rate too high?
FirstCash Holdings' current 3-Year EBITDA Growth Rate of 7.70% is 55% below median its 10-year median of 17.10. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.10. FirstCash Holdings' value of 7.70% is 15.4% below this industry median. Based on the distribution chart, FirstCash Holdings ranks #168 out of 319 companies in the Credit Services industry, which is below the industry midpoint. Overall, FirstCash Holdings has a GF Score™ of 85/100, reflecting its overall financial health beyond just this single metric.
How does FirstCash Holdings' 3-Year EBITDA Growth Rate compare to OMF and KLAR?
According to the Credit Services industry distribution chart, FirstCash Holdings ranks #168 out of 319 companies for 3-Year EBITDA Growth Rate. This places FirstCash Holdings in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.10. FirstCash Holdings' value of 7.70% is 15.4% below this benchmark. While the company's 10-year median is 17.10 vs. the industry median of 9.10, 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 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.10, based on 319 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA 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 EBITDA Growth Rate of 7.70% is 15.4% 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for FirstCash Holdings and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FirstCash Holdings's current 3-Year EBITDA Growth Rate is 7.70%, which is 55% below median its own 10-year median of 17.10. 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 3-Year EBITDA Growth Rate of 7.70%. 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 3-Year EBITDA Growth Rate is 7.70%, which is 55% below median its 10-year median of 17.10 and 15.4% below the Credit Services industry median of 9.10. 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 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For FirstCash Holdings (MEX:FCFS1), the current 3-Year EBITDA Growth Rate is 7.70% 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:
3-Year EBITDA Growth Rate: 7.70% (55% below median its 10-year median of 17.10)
GF Value™: MXN3,149.41 vs. price of MXN4,013.00 (27.4% above fair value)
Industry Position: 15.4% below the Credit Services median (#168 of 319)
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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3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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