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FirstCash Holdings, Inc.
FCFS · NASDAQFinancials
The economic chain
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Raw inputs
Equipment
Foundry
Chip design
Software
AI demand
Funding &inventorycapital & pledged goods inRules &oversightthe refereesOperatorthe pawn & lending hubLoans &merchandisewhat it lends & sellsStores &partnerswhere it reaches peopleCustomerswho borrows & buysPLGCustomers who pawnFINBank lenders & bondholdersC&FRCFPB & federal regulatorsS&FRState & foreign regulatorsFCFirstCashEZEZCORPPLPawn loansPMPre-owned merchandiseALAFF lease-to-ownLAPSLatin America pawn storesUPSU.S. pawn storesHUSH&T U.K. storesMERAFF merchant partnersYOUPawn & retail customersLTOLease-to-own customersAUGold & scrap refiners
Company details
Market cap
$9.8B
P/E ratio
26×
Div yield
0.8%
EPS (TTM)
$7.98
Profit margin
9%
Rev. growth
+15%
Revenue
$3.9B
Free cash flow
~$300M
In plain English
FirstCash is the world's largest operator of retail pawn stores — over 3,300 across the U.S., Latin America and (since 2025) the U.K. — making small, collateral-backed loans to underbanked customers and reselling forfeited goods. Through American First Finance (AFF) it also runs a lease-to-own and point-of-sale financing platform used at thousands of retail merchants.
In simple terms
What FirstCash Holdings, Inc. really sells
FirstCash is the world's largest operator of retail pawn stores — over 3,300 across the U.S., Latin America and (since 2025) the U.K. — making small, collateral-backed loans to underbanked customers and reselling forfeited goods. Through American First Finance (AFF) it also runs a lease-to-own and point-of-sale financing platform used at thousands of retail merchants.
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Risk read
Moderate
SteadierMore speculative
Why this rating?