FirstCash HoldingsSTU:FF60 -2.34%76 Gross Margin % is 51.57% as of Mar. 2026, which is 4% below its 10-year median of 53.67. GuruFocus rates STU:FF60 with a GF Score™ of 76/100 and a GF Value™ of €131.46 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 386 Credit Services companies, FirstCash Holdings ranks worse than 50.78% on this metric.
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
FirstCash Holdings had a gross margin of 51.57% for the quarter that ended in Mar. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
FirstCash Holdings Gross Margin % Related Terms
FirstCash Holdings Gross Margin % Historical Data
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The historical data trend for FirstCash Holdings's Gross 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, CACC: Gross Margin % Comparison
For the Credit Services subindustry, FirstCash Holdings's Gross Margin %, along with its competitors' market caps and Gross 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FirstCash Holdings's Gross Margin % distribution charts can be found below:
* The bar in red indicates where FirstCash Holdings's Gross 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
FirstCash Holdings (STU:FF60) has a Gross Margin % of 51.57% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on FirstCash Holdings and its competitors. This is near median its historical median of 53.67. Over the past decade, FirstCash Holdings' Gross Margin % has ranged from 46.34 to 55.85. According to the industry distribution chart, FirstCash Holdings ranks #196 out of 386 companies in the Credit Services industry, placing it in the top 50.8%.
Is FirstCash Holdings' Gross Margin % too high?
FirstCash Holdings' current Gross Margin % of 51.57% is near median its 10-year median of 53.67. Over the past 10 years, this metric has ranged from a low of 46.34 to a high of 55.85. The Credit Services industry median Gross Margin % is 51.85. FirstCash Holdings' value of 51.57% is 0.5% below this industry median. Based on the distribution chart, FirstCash Holdings ranks #196 out of 386 companies in the Credit Services industry, which is below the industry midpoint. Overall, FirstCash Holdings has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FirstCash Holdings' Gross Margin % compare to KLAR and OMF?
According to the Credit Services industry distribution chart, FirstCash Holdings ranks #196 out of 386 companies for Gross Margin %. This places FirstCash Holdings in the lower half of its industry. The industry median Gross Margin % is 51.85. FirstCash Holdings' value of 51.57% is 0.5% below this benchmark. Historically, FirstCash Holdings' own Gross Margin % has ranged from 46.34 to 55.85 over the past decade. While the company's 10-year median is 53.67 vs. the industry median of 51.85, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.85, based on 386 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FirstCash Holdings's current Gross Margin % of 51.57% is 0.5% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on FirstCash Holdings and its competitors. For the Credit Services industry, the median Gross Margin % is 51.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FirstCash Holdings's current Gross Margin % is 51.57%, which is near median its own 10-year median of 53.67. 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 €131.46, compared to a current price of €189.65 — trading 44.3% above its estimated fair value. The current Gross Margin % is 51.57%, which is near median its 10-year median of 53.67 and 0.5% below the Credit Services industry median of 51.85. FirstCash Holdings' overall GF Score™ is 76/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For FirstCash Holdings (STU:FF60), the current Gross Margin % is 51.57% 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 €189.65 is trading 44.3% above its estimated GF Value™ of €131.46.
GuruFocus considers FirstCash Holdings to be Significantly Overvalued.
Key valuation signals for STU:FF60:
Gross Margin %: 51.57% (near median its 10-year median of 53.67)
GF Value™: €131.46 vs. price of €189.65 (44.3% above fair value)
Industry Position: 0.5% below the Credit Services median (#196 of 386)
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.
76GF Score
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