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FirstCash HoldingsMEX:FCFS1 85 ROC (Joel Greenblatt) % is 37.36% as of Jun. 2026, which is 6% above its 10-year median of 35.40. 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 417 Credit Services companies, FirstCash Holdings ranks better than 51.32% on this metric.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. FirstCash Holdings's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 37.36%.
The historical rank and industry rank for FirstCash Holdings's ROC (Joel Greenblatt) % or its related term are showing as below:
MEX:FCFS1'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 21.05 Med: 35.4 Max: 49.6
Current: 40.95
During the past 13 years, FirstCash Holdings's highest ROC (Joel Greenblatt) % was 49.60%. The lowest was 21.05%. And the median was 35.40%.
MEX:FCFS1's ROC (Joel Greenblatt) % is ranked better than 51.32% of 417
companies
in the Credit Services industry
Industry Median: 38.19
vs MEX:FCFS1: 40.95
FirstCash Holdings's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 11.90% per year.
The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.
FirstCash Holdings ROC (Joel Greenblatt) % Related Terms
FirstCash Holdings ROC (Joel Greenblatt) % Historical Data
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The historical data trend for FirstCash Holdings's ROC (Joel Greenblatt) % 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: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, FirstCash Holdings's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FirstCash Holdings's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where FirstCash Holdings's ROC (Joel Greenblatt) % falls into.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:
EBIT stands for Earnings Before Interest and Taxes.
Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.
GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.
Note:
The EBIT data used here is four times the quarterly (Jun. 2026) EBIT data.
* 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.
What does a ROC (Joel Greenblatt) % of 37.36% mean?
FirstCash Holdings (MEX:FCFS1) has a ROC (Joel Greenblatt) % of 37.36% as of Jun. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on FirstCash Holdings and its competitors. This is near median its historical median of 35.40. Over the past decade, FirstCash Holdings' ROC (Joel Greenblatt) % has ranged from 21.05 to 49.60. According to the industry distribution chart, FirstCash Holdings ranks #203 out of 417 companies in the Credit Services industry, placing it in the top 48.7%.
Is FirstCash Holdings' ROC (Joel Greenblatt) % too high?
FirstCash Holdings' current ROC (Joel Greenblatt) % of 37.36% is near median its 10-year median of 35.40. Over the past 10 years, this metric has ranged from a low of 21.05 to a high of 49.60. The Credit Services industry median ROC (Joel Greenblatt) % is 38.19. FirstCash Holdings' value of 37.36% is 2.2% below this industry median. Based on the distribution chart, FirstCash Holdings ranks #203 out of 417 companies in the Credit Services industry, which is above the industry midpoint. Overall, FirstCash Holdings has a GF Score™ of 85/100, reflecting its overall financial health beyond just this single metric.
How does FirstCash Holdings' ROC (Joel Greenblatt) % compare to OMF and KLAR?
According to the Credit Services industry distribution chart, FirstCash Holdings ranks #203 out of 417 companies for ROC (Joel Greenblatt) %. This puts FirstCash Holdings in the upper half of its industry. The industry median ROC (Joel Greenblatt) % is 38.19. FirstCash Holdings' value of 37.36% is 2.2% below this benchmark. Historically, FirstCash Holdings' own ROC (Joel Greenblatt) % has ranged from 21.05 to 49.60 over the past decade. While the company's 10-year median is 35.40 vs. the industry median of 38.19, 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 ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 38.19, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FirstCash Holdings's current ROC (Joel Greenblatt) % of 37.36% is 2.2% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on FirstCash Holdings and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FirstCash Holdings's current ROC (Joel Greenblatt) % is 37.36%, which is near median its own 10-year median of 35.40. 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 ROC (Joel Greenblatt) % of 37.36%. 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 ROC (Joel Greenblatt) % is 37.36%, which is near median its 10-year median of 35.40 and 2.2% below the Credit Services industry median of 38.19. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For FirstCash Holdings (MEX:FCFS1), the current ROC (Joel Greenblatt) % is 37.36% 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:
ROC (Joel Greenblatt) %: 37.36% (near median its 10-year median of 35.40)
GF Value™: MXN3,149.41 vs. price of MXN4,013.00 (27.4% above fair value)
Industry Position: 2.2% below the Credit Services median (#203 of 417)
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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