Earnings Preview: FirstCash Hldgs
Benzinga Insights 9 months ago
Earnings
FirstCash Hldgs (NASDAQ:FCFS) is preparing to release its quarterly earnings on Thursday, 2026-02-05. Here's a brief overview of what investors should keep in mind before the announcement.
Analysts expect FirstCash Hldgs to report an earnings per share (EPS) of $2.54.
FirstCash Hldgs bulls will hope to hear the company announce they've not only beaten that estimate, but also to provide positive guidance, or forecasted growth, for the next quarter.
New investors should note that it is sometimes not an earnings beat or miss that most affects the price of a stock, but the guidance (or forecast).
Overview of Past Earnings
The company's EPS beat by $0.34 in the last quarter, leading to a 0.03% increase in the share price on the following day.
Here's a look at FirstCash Hldgs's past performance and the resulting price change:
| Quarter | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|
| EPS Estimate | 1.92 | 1.67 | 1.74 | 2.01 |
| EPS Actual | 2.26 | 1.79 | 2.07 | 2.12 |
| Price Change % | 0.00 | 0.00 | 0.00 | -3.00 |
FirstCash Hldgs Share Price Analysis
Shares of FirstCash Hldgs were trading at $170.98 as of February 03. Over the last 52-week period, shares are up 53.1%. Given that these returns are generally positive, long-term shareholders are likely bullish going into this earnings release.
Analysts' Take on FirstCash Hldgs
Understanding market sentiments and expectations within the industry is crucial for investors. This analysis delves into the latest insights on FirstCash Hldgs.
Analysts have provided FirstCash Hldgs with 1 ratings, resulting in a consensus rating of Buy. The average one-year price target stands at $205.0, suggesting a potential 19.9% upside.
Comparing Ratings with Peers
In this analysis, we delve into the analyst ratings and average 1-year price targets of Figure Technology, Credit Acceptance and Enova International, three key industry players, offering insights into their relative performance expectations and market positioning.
- Analysts currently favor an Outperform trajectory for Figure Technology, with an average 1-year price target of $58.67, suggesting a potential 65.69% downside.
- Analysts currently favor an Neutral trajectory for Credit Acceptance, with an average 1-year price target of $470.0, suggesting a potential 174.89% upside.
- Analysts currently favor an Buy trajectory for Enova International, with an average 1-year price target of $188.0, suggesting a potential 9.95% upside.
Peer Metrics Summary
The peer analysis summary provides a snapshot of key metrics for Figure Technology, Credit Acceptance and Enova International, illuminating their respective standings within the industry. These metrics offer valuable insights into their market positions and comparative performance.
| Company | Consensus | Revenue Growth | Gross Profit | Return on Equity |
|---|---|---|---|---|
| FirstCash Hldgs | Buy | 11.73% | $473.71M | 3.82% |
| Figure Technology | Outperform | 86.84% | $126.18M | 5.60% |
| Credit Acceptance | Neutral | -3.04% | $356M | 7.87% |
| Enova International | Buy | 4.57% | $373.75M | 6.03% |
Key Takeaway:
FirstCash Hldgs ranks at the top for Revenue Growth and Gross Profit among its peers. It is in the middle for Return on Equity.
Discovering FirstCash Hldgs: A Closer Look
FirstCash Holdings Inc operates pawn stores in the United States and Latin America. Its primary business involves making small loans secured by personal property. The the company has three reportable segments: U.S. pawn; Latin America pawn; and Retail POS payment solutions (AFF). It derives majority revenue from U.S. Pawn segment. These pawn loans give the borrower the option of either repaying the loans with interest or forfeiting the property without further penalty. Geographically operates in USA, Mexico, Latin America, with maximum revenue from USA.
Key Indicators: FirstCash Hldgs's Financial Health
Market Capitalization Perspectives: The company's market capitalization falls below industry averages, signaling a relatively smaller size compared to peers. This positioning may be influenced by factors such as perceived growth potential or operational scale.
Revenue Growth: FirstCash Hldgs's revenue growth over a period of 3 months has been noteworthy. As of 30 September, 2025, the company achieved a revenue growth rate of approximately 11.73%. This indicates a substantial increase in the company's top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.
Net Margin: FirstCash Hldgs's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of 8.85%, the company may face hurdles in effective cost management.
Return on Equity (ROE): FirstCash Hldgs's ROE is below industry standards, pointing towards difficulties in efficiently utilizing equity capital. With an ROE of 3.82%, the company may encounter challenges in delivering satisfactory returns for shareholders.
Return on Assets (ROA): The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of 1.71%, the company may need to address challenges in generating satisfactory returns from its assets.
Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at 1.17.
To track all earnings releases for FirstCash Hldgs visit their earnings calendar on our site.
This article was generated by Benzinga's automated content engine and reviewed by an editor.