FirstCash HoldingsSTU:FF60 -2.34%76 Quick Ratio is 3.42 as of Mar. 2026, which is 14% above its 10-year median of 3.00. GuruFocus rates STU:FF60 with a GF Score™ of 76/100 and a GF Value™ of €129.71 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 391 Credit Services companies, FirstCash Holdings ranks worse than 53.96% on this metric.
FirstCash Holdings has a quick ratio of 3.42. It generally indicates good short-term financial strength.
The historical rank and industry rank for FirstCash Holdings's Quick Ratio or its related term are showing as below:
STU:FF60'
s Quick Ratio Range Over the Past 10 Years
Min: 1.72 Med: 3 Max: 4.69
Current: 3.42
During the past 13 years, FirstCash Holdings's highest Quick Ratio was 4.69. The lowest was 1.72. And the median was 3.00.
STU:FF60's Quick Ratio is ranked worse than 53.96% of 391
companies
in the Credit Services industry
Industry Median: 4.6
vs STU:FF60: 3.42
FirstCash Holdings (STU:FF60) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
FirstCash Holdings Quick Ratio Related Terms
FirstCash Holdings Quick Ratio Historical Data
* Premium members only.
The historical data trend for FirstCash Holdings's Quick 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.
STU:FF60 vs KLAR, OMF, CACC: Quick Ratio Comparison
For the Credit Services subindustry, FirstCash Holdings's Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FirstCash Holdings's Quick Ratio distribution charts can be found below:
* The bar in red indicates where FirstCash Holdings's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
FirstCash Holdings's Quick Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Quick Ratio of 3.42 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on FirstCash Holdings and its competitors. This is 14% above median its historical median of 3.00. Over the past decade, FirstCash Holdings' Quick Ratio has ranged from 1.72 to 4.69. According to the industry distribution chart, FirstCash Holdings ranks #211 out of 391 companies in the Credit Services industry, placing it in the top 54%.
Is FirstCash Holdings' Quick Ratio too high?
FirstCash Holdings' current Quick Ratio of 3.42 is 14% above median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 1.72 to a high of 4.69. The Credit Services industry median Quick Ratio is 4.60. FirstCash Holdings' value of 3.42 is 25.7% below this industry median. Based on the distribution chart, FirstCash Holdings ranks #211 out of 391 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' Quick Ratio compare to KLAR and OMF?
According to the Credit Services industry distribution chart, FirstCash Holdings ranks #211 out of 391 companies for Quick Ratio. This places FirstCash Holdings in the lower half of its industry. The industry median Quick Ratio is 4.60. FirstCash Holdings' value of 3.42 is 25.7% below this benchmark. Historically, FirstCash Holdings' own Quick Ratio has ranged from 1.72 to 4.69 over the past decade. While the company's 10-year median is 3.00 vs. the industry median of 4.60, 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.60, based on 391 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FirstCash Holdings's current Quick Ratio of 3.42 is 25.7% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on FirstCash Holdings and its competitors. For the Credit Services industry, the median Quick Ratio is 4.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FirstCash Holdings's current Quick Ratio is 3.42, which is 14% above median its own 10-year median of 3.00. 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 €129.71, compared to a current price of €189.65 — trading 46.2% above its estimated fair value. The current Quick Ratio is 3.42, which is 14% above median its 10-year median of 3.00 and 25.7% below the Credit Services industry median of 4.60. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For FirstCash Holdings (STU:FF60), the current Quick Ratio is 3.42 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 46.2% above its estimated GF Value™ of €129.71.
GuruFocus considers FirstCash Holdings to be Significantly Overvalued.
Key valuation signals for STU:FF60:
Quick Ratio: 3.42 (14% above median its 10-year median of 3.00)
GF Value™: €129.71 vs. price of €189.65 (46.2% above fair value)
Industry Position: 25.7% below the Credit Services median (#211 of 391)
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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