FirstCash HoldingsSTU:FF60 -2.31%81 FCF Margin % is 12.70% as of Mar. 2026, which is 12% above its 10-year median of 11.31. GuruFocus rates STU:FF60 with a GF Score™ of 81/100 and a GF Value™ of €132.08 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 530 Credit Services companies, FirstCash Holdings ranks better than 61.13% on this metric.
The historical rank and industry rank for FirstCash Holdings's FCF Margin % or its related term are showing as below:
STU:FF60'
s FCF Margin % Range Over the Past 10 Years
Min: 7.02 Med: 11.31 Max: 15.89
Current: 14.2
During the past 13 years, the highest FCF Margin % of FirstCash Holdings was 15.89%. The lowest was 7.02%. And the median was 11.31%.
STU:FF60's FCF Margin % is ranked better than 61.13% of 530
companies
in the Credit Services industry
Industry Median: 0.115
vs STU:FF60: 14.20
FirstCash Holdings FCF Margin % Related Terms
FirstCash Holdings FCF Margin % Historical Data
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The historical data trend for FirstCash Holdings's FCF Margin % 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, ALLY: FCF Margin % Comparison
For the Credit Services subindustry, FirstCash Holdings's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FirstCash Holdings's FCF Margin % distribution charts can be found below:
* The bar in red indicates where FirstCash Holdings's FCF Margin % 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.
FirstCash Holdings (STU:FF60) has a FCF Margin % of 12.70% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on FirstCash Holdings and its competitors. This is 12% above median its historical median of 11.31. Over the past decade, FirstCash Holdings' FCF Margin % has ranged from 7.02 to 15.89. According to the industry distribution chart, FirstCash Holdings ranks #206 out of 530 companies in the Credit Services industry, placing it in the top 38.9%.
Is FirstCash Holdings' FCF Margin % too high?
FirstCash Holdings' current FCF Margin % of 12.70% is 12% above median its 10-year median of 11.31. Over the past 10 years, this metric has ranged from a low of 7.02 to a high of 15.89. The Credit Services industry median FCF Margin % is 0.12. FirstCash Holdings' value of 12.70% is 10943.5% above this industry median. Based on the distribution chart, FirstCash Holdings ranks #206 out of 530 companies in the Credit Services industry, which is above the industry midpoint. Overall, FirstCash Holdings has a GF Score™ of 81/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FirstCash Holdings' FCF Margin % compare to KLAR and OMF?
According to the Credit Services industry distribution chart, FirstCash Holdings ranks #206 out of 530 companies for FCF Margin %. This puts FirstCash Holdings in the upper half of its industry. The industry median FCF Margin % is 0.12. FirstCash Holdings' value of 12.70% is 10943.5% above this benchmark. Historically, FirstCash Holdings' own FCF Margin % has ranged from 7.02 to 15.89 over the past decade. While the company's 10-year median is 11.31 vs. the industry median of 0.12, 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.12, based on 530 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FirstCash Holdings's current FCF Margin % of 12.70% is 10943.5% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on FirstCash Holdings and its competitors. For the Credit Services industry, the median FCF Margin % is 0.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FirstCash Holdings's current FCF Margin % is 12.70%, which is 12% above median its own 10-year median of 11.31. 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 €132.08, compared to a current price of €185.80 — trading 40.7% above its estimated fair value. The current FCF Margin % is 12.70%, which is 12% above median its 10-year median of 11.31 and 10943.5% above the Credit Services industry median of 0.12. FirstCash Holdings' overall GF Score™ is 81/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For FirstCash Holdings (STU:FF60), the current FCF Margin % is 12.70% 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 €185.80 is trading 40.7% above its estimated GF Value™ of €132.08.
GuruFocus considers FirstCash Holdings to be Significantly Overvalued.
Key valuation signals for STU:FF60:
FCF Margin %: 12.70% (12% above median its 10-year median of 11.31)
GF Value™: €132.08 vs. price of €185.80 (40.7% above fair value)
Industry Position: 10943.5% above the Credit Services median (#206 of 530)
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.
81GF Score
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