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FirstCash HoldingsFCFS +0.74%85 Shiller PE Ratio is 42.05 as of Aug. 18, 2026, which is 49% above its 10-year median of 28.15. GuruFocus rates FCFS with a GF Score™ of 85/100 and a GF Value™ of $161.49 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 330 Credit Services companies, FirstCash Holdings ranks worse than 76.97% on this metric.
The historical rank and industry rank for FirstCash Holdings's Shiller PE Ratio or its related term are showing as below:
FCFS'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 17.52 Med: 28.15 Max: 46.18
Current: 42.03
During the past years, FirstCash Holdings's highest Shiller PE Ratio was 46.18. The lowest was 17.52. And the median was 28.15.
FCFS's Shiller PE Ratio is ranked worse than 76.97% of 330
companies
in the Credit Services industry
Industry Median: 13.885
vs FCFS: 42.03
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
FirstCash Holdings's adjusted earnings per share data for the three months ended in Jun. 2026 was $2.120. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $5.14 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
FirstCash Holdings (NAS:FCFS) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
FirstCash Holdings Shiller PE Ratio Related Terms
FirstCash Holdings Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for FirstCash Holdings's Shiller PE 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.
FCFS vs OMF, KLAR, CACC: Shiller PE Ratio Comparison
For the Credit Services subindustry, FirstCash Holdings's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FirstCash Holdings's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where FirstCash Holdings's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
FirstCash Holdings (FCFS) has a Shiller PE Ratio of 42.05 as of Aug. 18, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on FirstCash Holdings and its competitors. This is 49% above median its historical median of 28.15. Over the past decade, FirstCash Holdings' Shiller PE Ratio has ranged from 17.52 to 46.18. According to the industry distribution chart, FirstCash Holdings ranks #254 out of 330 companies in the Credit Services industry, placing it in the top 77%.
Is FirstCash Holdings' Shiller PE Ratio too high?
FirstCash Holdings' current Shiller PE Ratio of 42.05 is 49% above median its 10-year median of 28.15. Over the past 10 years, this metric has ranged from a low of 17.52 to a high of 46.18. The Credit Services industry median Shiller PE Ratio is 13.89. FirstCash Holdings' value of 42.05 is 202.8% above this industry median. Based on the distribution chart, FirstCash Holdings ranks #254 out of 330 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, FirstCash Holdings has a GF Score™ of 85/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FirstCash Holdings' Shiller PE Ratio compare to OMF and KLAR?
According to the Credit Services industry distribution chart, FirstCash Holdings ranks #254 out of 330 companies for Shiller PE Ratio. This places FirstCash Holdings in the lower half of its industry. The industry median Shiller PE Ratio is 13.89. FirstCash Holdings' value of 42.05 is 202.8% above this benchmark. Historically, FirstCash Holdings' own Shiller PE Ratio has ranged from 17.52 to 46.18 over the past decade. While the company's 10-year median is 28.15 vs. the industry median of 13.89, 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 Shiller PE Ratio for a Credit Services company?
The median Shiller PE Ratio among Credit Services companies is 13.89, based on 330 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FirstCash Holdings's current Shiller PE Ratio of 42.05 is 202.8% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on FirstCash Holdings and its competitors. For the Credit Services industry, the median Shiller PE Ratio is 13.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FirstCash Holdings's current Shiller PE Ratio is 42.05, which is 49% above median its own 10-year median of 28.15. 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 $161.49, compared to a current price of $216.16 — trading 33.9% above its estimated fair value. The current Shiller PE Ratio is 42.05, which is 49% above median its 10-year median of 28.15 and 202.8% above the Credit Services industry median of 13.89. FirstCash Holdings' overall GF Score™ is 85/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For FirstCash Holdings (FCFS), the current Shiller PE Ratio is 42.05 as of Aug. 18, 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 $216.16 is trading 33.9% above its estimated GF Value™ of $161.49.
GuruFocus considers FirstCash Holdings to be Significantly Overvalued.
Key valuation signals for FCFS:
Shiller PE Ratio: 42.05 (49% above median its 10-year median of 28.15)
GF Value™: $161.49 vs. price of $216.16 (33.9% above fair value)
Industry Position: 202.8% above the Credit Services median (#254 of 330)
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.
85GF Score
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