FirstCash Holdings, Inc.
FCFS · Retail-Miscellaneous Retail · 43.8M shares · +1%/yr ↑ shares · EDGAR filings ↗
Net buyback after stock comp: $101M (gross $114M, SBC $14M)
Reference price $225.23 · est. market cap ~$9.9B — last insider sale, 2026-06-05 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B78Leading global pawn/LTO operator with above-average returns, strong cash generation and double-digit earnings growth.
Strengths
- High returns — ROE 14.5% (82nd pct), ROA 6.2% (79th pct), net margin 9.0% (88th pct), OCF margin 16% (94th pct)
- Strong liquidity (current ratio 4.6, 95th pct) and +27.6% net income growth; market leadership across US/LatAm/UK plus H&T acquisition
Risks
- Acquisition-driven leverage (debt/equity 0.97) and very thin tangible book (goodwill-heavy, ratio 0.01)
- Regulatory and consumer-credit exposure across the LTO/AFF and Latin America operations
Notable findings
- Strong balance sheetStrong balance sheet — $125M cash & investments
- Insider sellingInsider selling — 17 open-market sale(s) by 5 insider(s) (cluster of 5 insiders, ~$11M, last 6mo) Form 4 ↗
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Gross margin
50.3%
Net margin
9.0%
Return on equity
14.5%
Return on assets
6.2%
Revenue growth (QoQ)
-0.6%
Net-income growth
27.6%
Debt / equity
1.0×
Current ratio
4.6×
Tangible book value
$22M
Cash & investments
$125M
Stock comp / revenue
0.6%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-05 | Ramos Raul | Sell | 6.8K | $225.23 |
| 2026-05-28 | Ramos Raul | Sell | 3.2K | $231.13 |
| 2026-05-19 | Hambleton Howard F | Sell | 3.0K | $226.41 |
| 2026-05-18 | ORR R DOUGLAS | Sell | 1.0K | $227.31 |
| 2026-05-18 | ORR R DOUGLAS | Sell | 1.0K | $227.28 |
| 2026-05-18 | Stuart Thomas Brent | Sell | 10K | $228.49 |
| 2026-05-18 | ORR R DOUGLAS | Sell | 1.0K | $227.32 |
| 2026-05-01 | Garrett Paula K | Sell | 1.5K | $217.40 |
| 2026-04-15 | ORR R DOUGLAS | Gift | 12K | — |
| 2026-02-18 | Hambleton Howard F | Sell | 4.0K | $185.12 |
| 2026-02-17 | ORR R DOUGLAS | Sell | 1.0K | $182.99 |
| 2026-02-17 | Stuart Thomas Brent | Sell | 10K | $182.53 |
| 2026-02-17 | ORR R DOUGLAS | Sell | 1.0K | $182.98 |
| 2026-02-17 | ORR R DOUGLAS | Sell | 1.0K | $182.98 |
| 2026-02-05 | ORR R DOUGLAS | Sell | 2.0K | $175.01 |
| 2026-02-05 | Hambleton Howard F | Sell | 2.0K | $177.65 |
| 2026-02-05 | ORR R DOUGLAS | Sell | 1.5K | $174.96 |
| 2026-02-05 | ORR R DOUGLAS | Sell | 4.0K | $175.37 |
| 2026-01-28 | Davis Marthea | Grant | 833 | — |
| 2026-01-28 | GRAVES JAMES H | Grant | 833 | — |
| 2026-01-28 | Hambleton Howard F | Grant | 5.1K | — |
| 2026-01-28 | Hambleton Howard F | Grant | 16K | — |
| 2026-01-28 | Hambleton Howard F | Tax withheld | 6.3K | — |
| 2026-01-28 | Ramos Raul | Grant | 2.0K | — |
| 2026-01-28 | WESSEL RICK L | Grant | 31K | — |
| 2026-01-28 | WESSEL RICK L | Grant | 92K | — |
| 2026-01-28 | WESSEL RICK L | Tax withheld | 36K | — |
| 2026-01-28 | ORR R DOUGLAS | Grant | 9.5K | — |
| 2026-01-28 | ORR R DOUGLAS | Grant | 30K | — |
| 2026-01-28 | ORR R DOUGLAS | Tax withheld | 12K | — |
| 2026-01-28 | Stuart Thomas Brent | Grant | 13K | — |
| 2026-01-28 | Stuart Thomas Brent | Grant | 34K | — |
| 2026-01-28 | Stuart Thomas Brent | Tax withheld | 13K | — |
| 2026-01-28 | FAULKNER MIKEL D | Grant | 833 | — |
| 2026-01-28 | Garrett Paula K | Grant | 833 | — |
| 2026-01-28 | Owen Randel G | Grant | 833 | — |
| 2026-01-28 | BERCE DANIEL E | Grant | 833 | — |
| 2025-12-31 | WESSEL RICK L | Gift | 21K | — |
| 2025-12-29 | ORR R DOUGLAS | Gift | 1.5K | — |
| 2025-12-15 | Hambleton Howard F | Sell | 4.0K | $163.74 |
| 2025-11-20 | Owen Randel G | Sell | 1.5K | $152.20 |
| 2025-11-19 | WESSEL RICK L | Sell | 20K | $156.39 |
| 2025-11-17 | ORR R DOUGLAS | Sell | 1.0K | $158.35 |
| 2025-11-17 | ORR R DOUGLAS | Sell | 3.0K | $158.17 |
| 2025-11-17 | ORR R DOUGLAS | Sell | 1.5K | $158.52 |
| 2025-11-17 | Stuart Thomas Brent | Sell | 10K | $159.97 |
| 2025-11-03 | Hambleton Howard F | Gift | 1.9K | — |
| 2025-10-15 | ORR R DOUGLAS | Sell | 4.0K | $159.64 |
| 2025-10-15 | ORR R DOUGLAS | Sell | 2.0K | $160.02 |
| 2025-10-15 | ORR R DOUGLAS | Sell | 852 | $159.00 |
| 2025-10-14 | ORR R DOUGLAS | Sell | 648 | $159.00 |
| 2025-09-02 | ORR R DOUGLAS | Sell | 1.0K | $146.40 |
| 2025-09-02 | ORR R DOUGLAS | Sell | 1.5K | $146.40 |
| 2025-09-02 | ORR R DOUGLAS | Sell | 3.0K | $148.41 |
| 2025-08-21 | WESSEL RICK L | Gift | 15K | — |
| 2025-08-21 | WESSEL RICK L | Sell | 31K | $139.33 |
| 2025-08-20 | WESSEL RICK L | Sell | 69K | $138.49 |
| 2025-08-04 | GRAVES JAMES H | Gift | 1.0K | — |
| 2025-08-04 | GRAVES JAMES H | Sell | 6.0K | $134.56 |
| 2025-06-10 | Hambleton Howard F | Sell | 3.9K | $130.93 |
| 2025-02-11 | Rippel Douglas Richard | Sell | 300K | $113.43 |
| 2025-02-05 | ORR R DOUGLAS | Sell | 2.0K | $113.35 |
| 2025-02-05 | ORR R DOUGLAS | Sell | 2.0K | $113.36 |
| 2025-02-05 | ORR R DOUGLAS | Sell | 2.0K | $113.35 |
| 2025-01-29 | Owen Randel G | Grant | 1.3K | — |
| 2025-01-29 | Ramos Raul | Grant | 2.0K | — |
| 2025-01-29 | ORR R DOUGLAS | Grant | 13K | — |
| 2025-01-29 | ORR R DOUGLAS | Grant | 26K | — |
| 2025-01-29 | ORR R DOUGLAS | Tax withheld | 10K | — |
| 2025-01-29 | Stuart Thomas Brent | Grant | 16K | — |
| 2025-01-29 | Stuart Thomas Brent | Grant | 26K | — |
| 2025-01-29 | Stuart Thomas Brent | Tax withheld | 10K | — |
| 2025-01-29 | BERCE DANIEL E | Grant | 1.3K | — |
| 2025-01-29 | GRAVES JAMES H | Grant | 1.3K | — |
| 2025-01-29 | Davis Marthea | Grant | 1.3K | — |
| 2025-01-29 | WESSEL RICK L | Grant | 42K | — |
| 2025-01-29 | WESSEL RICK L | Grant | 74K | — |
| 2025-01-29 | WESSEL RICK L | Tax withheld | 29K | — |
| 2025-01-29 | Hambleton Howard F | Grant | 7.0K | — |
| 2025-01-29 | Hambleton Howard F | Grant | 5.7K | — |
| 2025-01-29 | Hambleton Howard F | Tax withheld | 1.9K | — |
| 2025-01-29 | FAULKNER MIKEL D | Grant | 1.3K | — |
| 2025-01-29 | Garrett Paula K | Grant | 1.3K | — |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-06-23 | Reg FDOtherExhibits | filing ↗ |
| 2026-06-18 | 3.035.03Exhibits | filing ↗ |
| 2026-06-09 | Shareholder vote | filing ↗ |
| 2026-05-12 | Reg FDExhibits | filing ↗ |
| 2026-05-01 | Material agreementDebt obligationExhibits | filing ↗ |
| 2026-04-29 | Reg FDExhibits | filing ↗ |
| 2026-04-27 | Reg FDExhibits | filing ↗ |
| 2026-04-24 | Reg FDExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-23 | 2026-06-23 | 0001104659-26-076623 ↗ |
| 8-K | 2026-06-18 | 2026-06-18 | 0001104659-26-075855 ↗ |
| 8-K | 2026-06-09 | 2026-06-09 | 0000840489-26-000073 ↗ |
| 8-K | 2026-05-12 | 2026-05-11 | 0000840489-26-000061 ↗ |
| 8-K | 2026-05-01 | 2026-05-01 | 0001104659-26-054143 ↗ |
| 8-K | 2026-04-29 | 2026-04-28 | 0000840489-26-000057 ↗ |
| 8-K | 2026-04-27 | 2026-04-27 | 0000840489-26-000053 ↗ |
| 10-Q | 2026-04-24 | 2026-03-31 | 0000840489-26-000049 ↗ |
| 8-K | 2026-04-24 | 2026-04-24 | 0000840489-26-000051 ↗ |
| 8-K | 2026-04-23 | 2026-04-23 | 0000840489-26-000047 ↗ |
| 8-K | 2026-03-03 | 2026-03-03 | 0000840489-26-000042 ↗ |
| 10-K | 2026-02-09 | 2025-12-31 | 0000840489-26-000032 ↗ |