FirstCash (FCFS)
Operates pawn stores and point-of-sale financing for cash- and credit-constrained consumers.
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Operates pawn stores across the U.S., Latin America, and the U.K., earning fees on non-recourse loans and margins on pre-owned merchandise. American First Finance adds lease-to-own and installment-finance products through U.S. retail partners, while pawn operations remain the primary earnings driver.
Runs U.S. Pawn, Latin America Pawn, and U.K. Pawn across the United States, Mexico, Guatemala, El Salvador, Colombia, England, Scotland, and Wales. American First Finance, or AFF, provides U.S. point-of-sale payment solutions. Pawn locations make non-recourse loans against personal property and sell pre-owned goods acquired through forfeited collateral or direct purchases.
Earns pawn fees when customers redeem or renew loans and retail margins when merchandise is sold. Local appraisal experience and a proprietary point-of-sale system support collateral pricing, inventory tracking, and store-level merchandising. AFF offers lease-to-own and installment-finance products through retail and e-commerce merchant partners.
Pawn operations remain the primary earnings driver. Results depend on consumer demand, collateral values, merchant activity, and currency movements, while loan terms, fees, disclosures, licensing, and servicing are regulated across U.S., Latin American, and U.K. jurisdictions.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 10, 2026 | Loop Capital Markets | Reiterate | Rating: —Target: $140 | Target: $255 |
| Aug 10, 2026 | Loop Capital | Upgrade | ||
| Apr 24, 2026 | Canaccord Genuity | Reiterate | Rating: —Target: $217 | Target: $252 |
| Feb 6, 2026 | Canaccord Genuity | Target | Target: $205 | Target: $217 |
| Oct 31, 2025 | Canaccord Genuity | Reiterate | Rating: —Target: $200 | Target: $205 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $172.3M · Total debt $2.70B · Total assets $5.49B · Shareholders' equity $2.32B
- Revenue
- $1.07B
- Operating income
- $166.7M
- Net income
- $93.5M
HistoryDividendAnnual yield
| Institutions | 99.42% | 43.12M shares | |
|---|---|---|---|
| 517 holders · as of Jun 30, 2026 | |||
| Insiders | 13.39% | 5.81M shares | |
| 13 holders · as of Sep 3, 2026 | |||
| Adds to | 112.81% | ||
43.37M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
These groups come from separate filings that can overlap, so they add to 112.81%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 11.60% | 5.03M | as of Jun 30, 2026 |
Douglas Richard RippelInsider10 percent owner | 10.22% | 4.43M | filed Feb 13, 2025 |
FMR LLCInstitution | 7.03% | 3.05M | as of Jun 30, 2026 |
Cooke & Bieler LP233082822Institution | 5.40% | 2.34M | filed Feb 11, 2022 |
Earnest Partners LLCInstitution | 4.86% | 2.11M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 3, 2026 | James H. Graves | director | −3,750 | $221.20 |
| Aug 17, 2026 | R. Douglas Orr | officer: EVP & Chief Financial Officer | −3,000 | $216.00 |
| Aug 17, 2026 | Thomas Brent Stuart | officer: President and COO | −5,348 | $214.63 |
| Aug 18, 2026 | Howard F. Hambleton | officer: AFF President | −2,000 | $212.98 |
| Jun 5, 2026 | Raul Ramos | officer: SVP Latin American Operations | −6,835 | $225.23 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| FirstCash | $221.86 | +2.66% | $9.37B | 24.7 | 18.3 | 2.3 | +29.4% |
| EZCORP | $31.07 | +3.17% | $1.76B | 15.4 | 15.4 | 1.1 | +34.7% |
| PROG | $34.34 | −1.49% | $1.39B | 9.7 | 6.8 | 0.6 | +19.0% |
| Upbound Group | $16.83 | −0.37% | $984.6M | 11.0 | 3.8 | 0.2 | +0.5% |
| Affirm | $71.64 | +0.84% | $23.79B | 12.9 | 37.5 | 5.7 | +33.0% |
| Median | 11.9 | 11.1 | 0.8 | +26.0% |