FirstCash Holdings (STU:FF60) Margin of Safety % (DCF Earnings Based): -16.36% (As of Jun. 27, 2026)


STU:FF60 FirstCash Holdings Inc STU:FF60
79 GF Score
Price €185.80
GF Value €132.08
Valuation Significantly Overvalued
! 8 Warning Signs
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What is FirstCash Holdings Margin of Safety % (DCF Earnings Based)?

FirstCash Holdings STU:FF60 -2.31% 79 Margin of Safety % (DCF Earnings Based) is -16.36% as of Jun. 27, 2026. GuruFocus rates STU:FF60 with a GF Score™ of 79/100 and a GF Value™ of €132.08 (Significantly Overvalued). The stock has 8 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-27), FirstCash Holdings's Predictability Rank is 3-Stars. FirstCash Holdings's intrinsic value calculated from the Discounted Earnings model is €159.68 and current share price is €185.80. Consequently,

FirstCash Holdings's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is -16.36%.

STU:FF60 vs KLAR, OMF, ALLY: Margin of Safety % (DCF Earnings Based) Comparison

For the Credit Services subindustry, FirstCash Holdings's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Credit Services Industry

For the Credit Services industry and Financial Services sector, FirstCash Holdings's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where FirstCash Holdings's Margin of Safety % (DCF Earnings Based) falls into.


STU:FF60
79GF Score
FirstCash Holdings Inc STU:FF60
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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FirstCash Holdings Margin of Safety % (DCF Earnings Based) Calculation

FirstCash Holdings's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(159.68-185.80)/159.68
=-16.36 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of -16.36% mean?
FirstCash Holdings (STU:FF60) has a Margin of Safety % (DCF Earnings Based) of -16.36% as of Jun. 27, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on FirstCash Holdings.
Is FirstCash Holdings' Margin of Safety % (DCF Earnings Based) too high?
FirstCash Holdings' current Margin of Safety % (DCF Earnings Based) is -16.36%. Overall, FirstCash Holdings has a GF Score™ of 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FirstCash Holdings' Margin of Safety % (DCF Earnings Based) compare to KLAR and OMF?
FirstCash Holdings' Margin of Safety % (DCF Earnings Based) of -16.36% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Credit Services company?
A good Margin of Safety % (DCF Earnings Based) depends on the Credit Services industry context. However, Margin of Safety % (DCF Earnings Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on FirstCash Holdings. FirstCash Holdings's current Margin of Safety % (DCF Earnings Based) is -16.36%. 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 Margin of Safety % (DCF Earnings Based) is -16.36%. FirstCash Holdings' overall GF Score™ is 79/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For FirstCash Holdings (STU:FF60), the current Margin of Safety % (DCF Earnings Based) is -16.36% as of Jun. 27, 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:

  • Margin of Safety % (DCF Earnings Based): -16.36%
  • GF Value™: €132.08 vs. price of €185.80 (40.7% above fair value)
  • GF Score™: 79/100 with 8 warning signs

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 Business Description

Other Exchanges FCFS:USAFCFS1:Mexico
Address 1600 West 7th Street, Fort Worth, TX, USA, 76102
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.
79GF Score

Get the complete analysis for STU:FF60

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€185.80
Price
€132.08
GF Value