FirstCash Holdings (STU:FF60) Tariff Resilience Score: 7/10 (As of Jul. 24, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STU:FF60 FirstCash Holdings Inc STU:FF60
81 GF Score
Price €171.95
GF Value €132.46
Valuation Modestly Overvalued
! 3 Warning Signs
View Full Analysis

What is FirstCash Holdings Tariff Resilience Score?

FirstCash Holdings STU:FF60 -6.01% 81 Tariff Resilience Score is 7 as of Jul. 24, 2026. GuruFocus rates STU:FF60 with a GF Score™ of 81/100 and a GF Value™ of €132.46 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 566 Credit Services companies, FirstCash Holdings ranks better than 92.4% on this metric.

FirstCash Holdings has the Tariff Resilience Score of 7, which implies that the company might have Highly Resilient.

FirstCash Holdings has Operates pawn stores with some exposure to international goods. However, its business model allows for pricing flexibility, mitigating tariff impacts.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes FirstCash Holdings might have Highly Resilient.

FirstCash Holdings  (STU:FF60) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

FirstCash Holdings Tariff Resilience Score Related Terms

STU:FF60 vs KLAR, OMF, CACC: Tariff Resilience Score Comparison

For the Credit Services subindustry, FirstCash Holdings's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, FirstCash Holdings's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where FirstCash Holdings's Tariff Resilience Score falls into.


STU:FF60
81GF Score
FirstCash Holdings Inc STU:FF60
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a Tariff Resilience Score of 7 mean?
FirstCash Holdings (STU:FF60) has a Tariff Resilience Score of 7 as of Jul. 24, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, FirstCash Holdings ranks #43 out of 566 companies in the Credit Services industry, placing it in the top 7.6%.
Is FirstCash Holdings' Tariff Resilience Score too high?
FirstCash Holdings' current Tariff Resilience Score is 7. Based on the distribution chart, FirstCash Holdings ranks #43 out of 566 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 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FirstCash Holdings' Tariff Resilience Score compare to KLAR and OMF?
According to the Credit Services industry distribution chart, FirstCash Holdings ranks #43 out of 566 companies for Tariff Resilience Score. This places FirstCash Holdings in the top 8% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Credit Services company?
A good Tariff Resilience Score depends on the Credit Services industry context. However, Tariff Resilience Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. FirstCash Holdings's current Tariff Resilience Score is 7. 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 Modestly Overvalued. The stock's GF Value™ is €132.46, compared to a current price of €171.95 — trading 29.8% above its estimated fair value. The current Tariff Resilience Score is 7. FirstCash Holdings' overall GF Score™ is 81/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For FirstCash Holdings (STU:FF60), the current Tariff Resilience Score is 7 as of Jul. 24, 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 €171.95 is trading 29.8% above its estimated GF Value™ of €132.46. GuruFocus considers FirstCash Holdings to be Modestly Overvalued.

Key valuation signals for STU:FF60:

  • Tariff Resilience Score: 7
  • GF Value™: €132.46 vs. price of €171.95 (29.8% above fair value)
  • GF Score™: 81/100 with 3 warning signs

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

Other Exchanges FCFS:USAFCFS1:Mexico
Address 1600 West 7th Street, Fort Worth, TX, USA, 76102
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

Get the complete analysis for STU:FF60

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

€171.95
Price
€132.46
GF Value