FirstCash HoldingsFCFS -2.04%73 PB Ratio is 4.18 as of Jun. 24, 2026, which is 69% above its 10-year median of 2.48. GuruFocus rates FCFS with a GF Score™ of 73/100 and a GF Value™ of $150.94 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 523 Credit Services companies, FirstCash Holdings ranks worse than 90.44% on this metric.
FirstCash Holdings Inc stock PB Ratio (=4.26) is close to 10-year high of 4.34.
The historical rank and industry rank for FirstCash Holdings's PB Ratio or its related term are showing as below:
FCFS'
s PB Ratio Range Over the Past 10 Years
Min: 1.41 Med: 2.48 Max: 4.34
Current: 4.18
During the past 13 years, FirstCash Holdings's highest PB Ratio was 4.34. The lowest was 1.41. And the median was 2.48.
FCFS's PB Ratio is ranked worse than 90.44% of 523
companies
in the Credit Services industry
Industry Median: 1.05
vs FCFS: 4.18
During the past 12 months, FirstCash Holdings's average Book Value Per Share Growth Rate was 13.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 9.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of FirstCash Holdings was 73.70% per year. The lowest was -0.20% per year. And the median was 10.50% per year.
Back to Basics: PB Ratio
FirstCash Holdings (NAS:FCFS) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
FirstCash Holdings PB Ratio Related Terms
FirstCash Holdings PB Ratio Historical Data
* Premium members only.
The historical data trend for FirstCash Holdings's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FirstCash Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where FirstCash Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
FirstCash Holdings (FCFS) has a PB Ratio of 4.18 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on FirstCash Holdings and its competitors. This is 69% above median its historical median of 2.48. Over the past decade, FirstCash Holdings' PB Ratio has ranged from 1.41 to 4.34. According to the industry distribution chart, FirstCash Holdings ranks #473 out of 523 companies in the Credit Services industry, placing it in the top 90.4%.
Is FirstCash Holdings' PB Ratio too high?
FirstCash Holdings' current PB Ratio of 4.18 is 69% above median its 10-year median of 2.48. Over the past 10 years, this metric has ranged from a low of 1.41 to a high of 4.34. The Credit Services industry median PB Ratio is 1.05. FirstCash Holdings' value of 4.18 is 298.1% above this industry median. Based on the distribution chart, FirstCash Holdings ranks #473 out of 523 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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' PB Ratio compare to KLAR and OMF?
According to the Credit Services industry distribution chart, FirstCash Holdings ranks #473 out of 523 companies for PB Ratio. This places FirstCash Holdings in the lower half of its industry. The industry median PB Ratio is 1.05. FirstCash Holdings' value of 4.18 is 298.1% above this benchmark. Historically, FirstCash Holdings' own PB Ratio has ranged from 1.41 to 4.34 over the past decade. While the company's 10-year median is 2.48 vs. the industry median of 1.05, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.05, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FirstCash Holdings's current PB Ratio of 4.18 is 298.1% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on FirstCash Holdings and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FirstCash Holdings's current PB Ratio is 4.18, which is 69% above median its own 10-year median of 2.48. 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 $150.94, compared to a current price of $218.88 — trading 45% above its estimated fair value. The current PB Ratio is 4.18, which is 69% above median its 10-year median of 2.48 and 298.1% above the Credit Services industry median of 1.05. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For FirstCash Holdings (FCFS), the current PB Ratio is 4.18 as of Jun. 24, 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 $150.94.
GuruFocus considers FirstCash Holdings to be Significantly Overvalued.
Key valuation signals for FCFS:
PB Ratio: 4.18 (69% above median its 10-year median of 2.48)
GF Value™: $150.94 vs. price of $218.88 (45% above fair value)
Industry Position: 298.1% above the Credit Services median (#473 of 523)
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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