FirstCash Holdings (FCFS) DCF: History & Chart

FirstCash Holdings, Inc(FCFS)

Financial - Credit Services · Fort Worth, TX

$211.00-0.33 (-0.16%)

Delayed quote: Oct 6, 2026, 10:00 AM EDT

About FirstCash Holdings, Inc

FirstCash Holdings, Inc., along with its affiliates, oversees a widespread network of retail pawn shops throughout the United States, Mexico, and other parts of Latin America. These establishments provide monetary loans against a diverse range of personal collateral, including jewelry, electronic devices, tools, home appliances, sporting goods, and musical instruments. They also sell merchandise obtained either from defaulted pawn agreements or through direct cash purchases from customers. Beyond its core pawn operations, the firm processes scrap jewelry and trades valuable commodities such as gold, silver, and diamonds on global markets. As of December 31, 2021, its extensive footprint included 1,081 outlets in the U.S. (including the District of Columbia), 1,656 in Mexico, 60 in Guatemala, 13 in El Salvador, and 15 in Colombia. The company was established in 1988 and maintains its principal executive offices in Fort Worth, Texas.

Fort Worth, TX

20,000 employees

firstcash.com

Financial Services / Financial - Credit Services

Sector: Financial Services
Industry: Financial - Credit Services
CEO: Rick L. Wessel

View full financials

FirstCash Holdings, Inc (FCFS) DCF Valuation

Price is BELOW the estimated range

$242.07

$505.51

Model scenario range

$211.00

Today's price

TGM's two-stage DCF values FirstCash Holdings, Inc (FCFS) between $242.07 and $505.51 depending on assumptions, with a base case of $352.44. Growth is taken from the company's own record (5-year revenue CAGR (FCF growth too volatile to use) (capped at 18%)), fading to 2.5% long-run; the discount rate (7.5%) reflects its beta.

What would today's price require?

Growth the price assumes+7.7%/yr

Actual FCF growth, last 5 years+31.0%/yr

$211.00 is justified only if free cash flow grows about +7.7% a year (fading to 2.5% long-run) at a 7.5% required return — slower than the company has actually grown.

Scenario	FCF growth (fading to 2.5%)	Discount	Value / share
Conservative	15.0%/yr	8.5%	$242.07
Base case	18.0%/yr	7.5%	$352.44
Optimistic	20.0%/yr	6.5%	$505.51
Third-party model estimate (FMP)	independent reference · retrieved Oct 6, 2026 · assumptions not provided		$474.70

The FMP figure is a third-party point estimate. Its cash-flow forecast, discount rate, terminal growth, and valuation date are not included in the stored response, so TGMCharts presents it only as a reference—not as an intrinsic-value conclusion or price target.

Price|PE Ratio|FCF Yield|All Metrics

Current Price

$211.00

Market-Implied Growth

+7.7%/yr

vs +31.0% 5Y actual

Model Scenario Range

$242.07 – $505.51

model output — not a price target

FCFS DCF Fair Value Calculator

Edit the assumptions to see how they change the estimated fair value. Opens seeded with TGM's data-driven base case for FCFS (growth from its own 5-year record, discount from its beta), so the sandbox starts where the scenarios above leave off. Illustrative model — not investment advice.

FCF Growth Rate18%/yr

Historical FCF CAGR: 3Y 13.8% · 5Y 31.0% · 10Y 25.6%

Discount Rate (WACC)7.5%

Terminal Growth2.5%

Projection Years10yr

Base inputs: FCF $452.7M · 0.04B shares · net debt $2.4B

Estimated Fair Value

$352.44

+67.0% vs $211.00

Current price$211.00

Third-party model estimate (FMP)$474.70

Sensitivity — fair value by discount rate × terminal growth

How the estimated fair value shifts with the discount rate (WACC) and terminal growth, holding your 18.0%/yr FCF growth and 10-year horizon fixed. Green = above today's $211.00; red = below. Your current case is outlined.

WACC ↓ / Terminal →	1.50%	2.00%	2.50%	3.00%	3.50%
5.5%	$481	$551	$644	$773	$968
6.5%	$368	$409	$461	$528	$618
7.5%	$292	$320	$352	$393	$443
8.5%	$238	$258	$280	$306	$338
9.5%	$198	$212	$228	$247	$268