FirstCash Holdings (STU:FF60) Moat Score: 6/10 (As of Jul. 19, 2026)

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STU:FF60 FirstCash Holdings Inc STU:FF60
81 GF Score
Price €186.55
GF Value €132.19
Valuation Significantly Overvalued
! 8 Warning Signs
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What is FirstCash Holdings Moat Score?

FirstCash Holdings STU:FF60 -0.77% 81 Moat Score is 6 as of Jul. 19, 2026. GuruFocus rates STU:FF60 with a GF Score™ of 81/100 and a GF Value™ of €132.19 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 567 Credit Services companies, FirstCash Holdings ranks better than 98.94% on this metric.

FirstCash Holdings has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

FirstCash Holdings has Narrow Moat: FCFS has a strong narrow moat due to its extensive network of pawn stores and significant customer switching costs. It benefits from economies of scale and a strong brand in its niche market, but lacks the global dominance for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes FirstCash Holdings might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

FirstCash Holdings  (STU:FF60) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

FirstCash Holdings Moat Score Related Terms

STU:FF60 vs KLAR, OMF, CACC: Moat Score Comparison

For the Credit Services subindustry, FirstCash Holdings's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, FirstCash Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where FirstCash Holdings's Moat Score falls into.


STU:FF60
81GF Score
FirstCash Holdings Inc STU:FF60
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
FirstCash Holdings (STU:FF60) has a Moat Score of 6 as of Jul. 19, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, FirstCash Holdings ranks #6 out of 567 companies in the Credit Services industry, placing it in the top 1.1%.
Is FirstCash Holdings' Moat Score too high?
FirstCash Holdings' current Moat Score is 6. Based on the distribution chart, FirstCash Holdings ranks #6 out of 567 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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' Moat Score compare to KLAR and OMF?
According to the Credit Services industry distribution chart, FirstCash Holdings ranks #6 out of 567 companies for Moat Score. This places FirstCash Holdings in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. FirstCash Holdings's current Moat Score is 6. 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 €132.19, compared to a current price of €186.55 — trading 41.1% above its estimated fair value. The current Moat Score is 6. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For FirstCash Holdings (STU:FF60), the current Moat Score is 6 as of Jul. 19, 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 €186.55 is trading 41.1% above its estimated GF Value™ of €132.19. GuruFocus considers FirstCash Holdings to be Significantly Overvalued.

Key valuation signals for STU:FF60:

  • Moat Score: 6
  • GF Value™: €132.19 vs. price of €186.55 (41.1% above fair value)
  • GF Score™: 81/100 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.
81GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€186.55
Price
€132.19
GF Value