FirstCash Holdings (STU:FF60) ROCE %: 14.68% (As of Mar. 2026)

What is FirstCash Holdings ROCE %?

FirstCash Holdings STU:FF60 -2.31% 81 ROCE % is 14.68% as of Mar. 2026. GuruFocus rates STU:FF60 with a GF Score™ of 81/100 and a GF Value™ of €132.08 (Significantly Overvalued). The stock has 8 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. FirstCash Holdings's annualized ROCE % for the quarter that ended in Mar. 2026 was 14.68%.

FirstCash Holdings (STU:FF60) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

FirstCash Holdings ROCE % Related Terms

FirstCash Holdings ROCE % Historical Data

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The historical data trend for FirstCash Holdings's ROCE % 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.

FirstCash Holdings ROCE % Chart

FirstCash Holdings Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

ROCE %

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7.29

11.53

10.07

11.29

11.95

FirstCash Holdings Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
ROCE %	Get a 7-Day Free Trial															13.21	10.01	12.74	14.68	14.68

81GF Score

FirstCash Holdings Inc STU:FF60

ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.

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FirstCash Holdings ROCE % Calculation

FirstCash Holdings's annualized ROCE % for the fiscal year that ended in Dec. 2025 is calculated as:

ROCE %	=	EBIT	/	( (Capital Employed	+	Capital Employed)	/ count )
		(A: Dec. 2025 )		(A: Dec. 2024 )		(A: Dec. 2025 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(A: Dec. 2025 )		(A: Dec. 2024 )		(A: Dec. 2025 )
	=	485.803	/	( ( (4275.522 - 324.131)	+	(4526.852 - 348.273) )	/ 2 )
	=	485.803	/	( (3951.391	+	4178.579)	/ 2 )
	=	485.803	/	4064.985
	=	11.95 %

FirstCash Holdings's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %	=	EBIT ⁽¹⁾	/	( (Capital Employed	+	Capital Employed)	/ count )
		(Q: Mar. 2026 )		(Q: Dec. 2025 )		(Q: Mar. 2026 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(Q: Mar. 2026 )		(Q: Dec. 2025 )		(Q: Mar. 2026 )
	=	621.608	/	( ( (4526.852 - 348.273)	+	(4637.544 - 345.713) )	/ 2 )
	=	621.608	/	( ( 4178.579	+	4291.831 )	/ 2 )
	=	621.608	/	4235.205
	=	14.68 %

(1) Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

Frequently Asked Questions Learn more about ROCE % →

What does a ROCE % of 14.68% mean?

FirstCash Holdings (STU:FF60) has a ROCE % of 14.68% as of Mar. 2026.

Is FirstCash Holdings' ROCE % too high?

FirstCash Holdings' current ROCE % is 14.68%. The Credit Services industry median ROCE % is 3.46. FirstCash Holdings' value of 14.68% is 324.3% above this industry median. 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' ROCE % compare to KLAR and OMF?

FirstCash Holdings' ROCE % of 14.68% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.46. FirstCash Holdings' value of 14.68% is 324.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROCE % for a Credit Services company?

The median ROCE % among Credit Services companies is 3.46, based on 416 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FirstCash Holdings's current ROCE % of 14.68% is 324.3% 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 ROCE % mean?

A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FirstCash Holdings's current ROCE % is 14.68%. 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 €132.08, compared to a current price of €187.30 — trading 41.8% above its estimated fair value. The current ROCE % is 14.68% and 324.3% above the Credit Services industry median of 3.46. 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 ROCE % calculated?

ROCE % is calculated from a company's financial statements. For FirstCash Holdings (STU:FF60), the current ROCE % is 14.68% 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 €187.30 is trading 41.8% above its estimated GF Value™ of €132.08. GuruFocus considers FirstCash Holdings to be Significantly Overvalued.

Key valuation signals for STU:FF60:

ROCE %: 14.68%
GF Value™: €132.08 vs. price of €187.30 (41.8% above fair value)
GF Score™: 81/100 with 8 warning signs
Industry Position: 324.3% above the Credit Services median

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

Industry Financial Services Credit Services

Comparable Companies KLAR OMF CACC ENVA SEZL NNI SLM BFH ALLY UPST V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges FCFS:USA FCFS1:Mexico

Address 1600 West 7th Street, Fort Worth, TX, USA, 76102

Website https://www.firstcash.com

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

€187.30

Price

€132.08

GF Value

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