FirstCash HoldingsFCFS -2.04%73 EV-to-FCF is 21.92 as of Jun. 25, 2026, which is 11% above its 10-year median of 19.75. GuruFocus rates FCFS with a GF Score™ of 73/100 and a GF Value™ of $150.97 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 265 Credit Services companies, FirstCash Holdings ranks worse than 63.4% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, FirstCash Holdings's Enterprise Value is $12,075 Mil.
FirstCash Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $551 Mil. Therefore, FirstCash Holdings's EV-to-FCF for today is 21.92.
The historical rank and industry rank for FirstCash Holdings's EV-to-FCF or its related term are showing as below:
FCFS'
s EV-to-FCF Range Over the Past 10 Years
Min: 13.04 Med: 19.75 Max: 53.92
Current: 21.92
During the past 13 years, the highest EV-to-FCF of FirstCash Holdings was 53.92. The lowest was 13.04. And the median was 19.75.
FCFS's EV-to-FCF is ranked worse than 63.4% of 265
companies
in the Credit Services industry
Industry Median: 12.99
vs FCFS: 21.92
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
FirstCash Holdings's PE Ratio (TTM) for today is calculated as:
FirstCash Holdings's share price for today is $218.88.
FirstCash Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $7.980.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
FirstCash Holdings EV-to-FCF Related Terms
FirstCash Holdings EV-to-FCF Historical Data
* Premium members only.
The historical data trend for FirstCash Holdings's EV-to-FCF 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.
For the Credit Services subindustry, FirstCash Holdings's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FirstCash Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where FirstCash Holdings's EV-to-FCF falls into.
FirstCash Holdings's current Enterprise Value is $12,075 Mil.
FirstCash Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $551 Mil.
* 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 (FCFS) has a EV-to-FCF of 21.92 as of Jun. 25, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on FirstCash Holdings and its competitors. This is 11% above median its historical median of 19.75. Over the past decade, FirstCash Holdings' EV-to-FCF has ranged from 13.04 to 53.92. According to the industry distribution chart, FirstCash Holdings ranks #168 out of 265 companies in the Credit Services industry, placing it in the top 63.4%.
Is FirstCash Holdings' EV-to-FCF too high?
FirstCash Holdings' current EV-to-FCF of 21.92 is 11% above median its 10-year median of 19.75. Over the past 10 years, this metric has ranged from a low of 13.04 to a high of 53.92. The Credit Services industry median EV-to-FCF is 12.99. FirstCash Holdings' value of 21.92 is 68.7% above this industry median. Based on the distribution chart, FirstCash Holdings ranks #168 out of 265 companies in the Credit Services industry, which is below the industry midpoint. Overall, FirstCash Holdings has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FirstCash Holdings' EV-to-FCF compare to KLAR and OMF?
According to the Credit Services industry distribution chart, FirstCash Holdings ranks #168 out of 265 companies for EV-to-FCF. This places FirstCash Holdings in the lower half of its industry. The industry median EV-to-FCF is 12.99. FirstCash Holdings' value of 21.92 is 68.7% above this benchmark. Historically, FirstCash Holdings' own EV-to-FCF has ranged from 13.04 to 53.92 over the past decade. While the company's 10-year median is 19.75 vs. the industry median of 12.99, 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 EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 12.99, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FirstCash Holdings's current EV-to-FCF of 21.92 is 68.7% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on FirstCash Holdings and its competitors. For the Credit Services industry, the median EV-to-FCF is 12.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FirstCash Holdings's current EV-to-FCF is 21.92, which is 11% above median its own 10-year median of 19.75. 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 $150.97, compared to a current price of $218.88 — trading 45% above its estimated fair value. The current EV-to-FCF is 21.92, which is 11% above median its 10-year median of 19.75 and 68.7% above the Credit Services industry median of 12.99. FirstCash Holdings' overall GF Score™ is 73/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For FirstCash Holdings (FCFS), the current EV-to-FCF is 21.92 as of Jun. 25, 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 $218.88 is trading 45% above its estimated GF Value™ of $150.97.
GuruFocus considers FirstCash Holdings to be Significantly Overvalued.
Key valuation signals for FCFS:
EV-to-FCF: 21.92 (11% above median its 10-year median of 19.75)
GF Value™: $150.97 vs. price of $218.88 (45% above fair value)
Industry Position: 68.7% above the Credit Services median (#168 of 265)
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.
73GF Score
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