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FirstCash HoldingsMEX:FCFS1 85 Return-on-Tangible-Asset is 11.53% as of Jun. 2026, which is 1% above its 10-year median of 11.46. GuruFocus rates MEX:FCFS1 with a GF Score™ of 85/100 and a GF Value™ of MXN3,149.41. The stock has 3 warning signs investors should review. Among 548 Credit Services companies, FirstCash Holdings ranks better than 96.35% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. FirstCash Holdings's annualizedNet Income for the quarter that ended in Jun. 2026 was MXN6,524 Mil. FirstCash Holdings's average total tangible assets for the quarter that ended in Jun. 2026 was MXN56,580 Mil. Therefore, FirstCash Holdings's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 11.53%.
The historical rank and industry rank for FirstCash Holdings's Return-on-Tangible-Asset or its related term are showing as below:
MEX:FCFS1'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 7.24 Med: 11.46 Max: 13.68
Current: 13.05
During the past 13 years, FirstCash Holdings's highest Return-on-Tangible-Asset was 13.68%. The lowest was 7.24%. And the median was 11.46%.
MEX:FCFS1's Return-on-Tangible-Asset is ranked better than 96.35% of 548
companies
in the Credit Services industry
Industry Median: 1.93
vs MEX:FCFS1: 13.05
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
FirstCash Holdings Return-on-Tangible-Asset Related Terms
FirstCash Holdings Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for FirstCash Holdings's Return-on-Tangible-Asset 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.
MEX:FCFS1 vs OMF, KLAR, CACC: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, FirstCash Holdings's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FirstCash Holdings's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where FirstCash Holdings's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 11.53% mean?
FirstCash Holdings (MEX:FCFS1) has a Return-on-Tangible-Asset of 11.53% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on FirstCash Holdings and its competitors. This is near median its historical median of 11.46. Over the past decade, FirstCash Holdings' Return-on-Tangible-Asset has ranged from 7.24 to 13.68. According to the industry distribution chart, FirstCash Holdings ranks #20 out of 548 companies in the Credit Services industry, placing it in the top 3.6%.
Is FirstCash Holdings' Return-on-Tangible-Asset too high?
FirstCash Holdings' current Return-on-Tangible-Asset of 11.53% is near median its 10-year median of 11.46. Over the past 10 years, this metric has ranged from a low of 7.24 to a high of 13.68. The Credit Services industry median Return-on-Tangible-Asset is 1.93. FirstCash Holdings' value of 11.53% is 497.4% above this industry median. Based on the distribution chart, FirstCash Holdings ranks #20 out of 548 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 85/100, reflecting its overall financial health beyond just this single metric.
How does FirstCash Holdings' Return-on-Tangible-Asset compare to OMF and KLAR?
According to the Credit Services industry distribution chart, FirstCash Holdings ranks #20 out of 548 companies for Return-on-Tangible-Asset. This places FirstCash Holdings in the top 4% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.93. FirstCash Holdings' value of 11.53% is 497.4% above this benchmark. Historically, FirstCash Holdings' own Return-on-Tangible-Asset has ranged from 7.24 to 13.68 over the past decade. While the company's 10-year median is 11.46 vs. the industry median of 1.93, 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.93, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FirstCash Holdings's current Return-on-Tangible-Asset of 11.53% is 497.4% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on FirstCash Holdings and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FirstCash Holdings's current Return-on-Tangible-Asset is 11.53%, which is near median its own 10-year median of 11.46. 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?
FirstCash Holdings (MEX:FCFS1) has a current Return-on-Tangible-Asset of 11.53%. The stock's GF Value™ is MXN3,149.41, compared to a current price of MXN4,013.00 — trading 27.4% above its estimated fair value. The current Return-on-Tangible-Asset is 11.53%, which is near median its 10-year median of 11.46 and 497.4% above the Credit Services industry median of 1.93. FirstCash Holdings' overall GF Score™ is 85/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For FirstCash Holdings (MEX:FCFS1), the current Return-on-Tangible-Asset is 11.53% as of Jun. 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 (MEX:FCFS1) Overvalued in 2026?
Based on GuruFocus' analysis, FirstCash Holdings stock appears to be overvalued.
The current stock price of MXN4,013.00 is trading 27.4% above its estimated GF Value™ of MXN3,149.41.
Key valuation signals for MEX:FCFS1:
Return-on-Tangible-Asset: 11.53% (near median its 10-year median of 11.46)
GF Value™: MXN3,149.41 vs. price of MXN4,013.00 (27.4% above fair value)
Industry Position: 497.4% above the Credit Services median (#20 of 548)
No single metric tells the full story. See the MEX:FCFS1 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.
85GF Score
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