FirstCash Holdings, Inc.
In the published model solve dated 2026-Q2, anchored at $208.15, FirstCash Holdings, Inc. (FCFS) is priced for +5.5% growth. boothcheck publishes no house fair value, target price, or buy/sell rating; individual model outputs and user-controlled scenarios are analytical inputs, not Boothcheck targets. The narrative was composed July 26, 2026 from SEC EDGAR filings.
• Pawn lending is the engine and it is running hot: consolidated pawn receivables rose 63% in total and 22% on a same-store basis in the June 2026 quarter, and GAAP diluted earnings per share reached $2.12 against $1.34 a year earlier [Source: FirstCash second-quarter results release, July 23, 2026]. • The concentrated risk is gold, and the 10-K puts a number on it: roughly 623.6 million dollars of pawn loans, or 75% of the total, are collateralized by jewelry that is primarily gold, and jewelry
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451 institutional managers reported holding FCFS in 13F filings for the quarter ended 2026-03-31. Together they hold about 93% of the company; the top 10 hold 49%. 78 opened new positions that quarter. Held by BlackRock, Vanguard Group, FMR (Fidelity), among others. On the short side, 1.6M shares were sold short as of the 2026-06-15 count, about 4% of shares outstanding (3.4 days of typical volume to cover).
Quarterly 13F filings arrive up to 45 days after quarter end, so the picture is never current (filed through 2026-05-29). Nothing here is investment advice.
FCFS's share count grew 8.1% over the past five years even with $539.07M spent on repurchases. It pays a dividend, and has for 10 years running, raised 9 years straight; the current rate is $1.60 a share annually. Cash returned over the past three years: $186.37M in dividends and $266.18M in repurchases.
Share counts are split-adjusted; repurchase totals are gross of share issuance. Nothing here is investment advice.
No open-market insider buys on file at FCFS over the trailing three years. Absence is a fact about the company, not a signal. 12 officers and directors are on file.
Code P open-market purchases from SEC Form 4 filings, non-derivative, excluding scheduled 10b5-1 plans. Nothing here is investment advice.
FCFS's recent reports: the day-one move, then what the following quarter actually did.
| report | day one | next quarter |
|---|---|---|
| 2023-08-01 | +2.4% | +2.3% |
| 2023-10-31 | +5.6% | -1.8% |
| 2024-02-06 | +1.1% | +8.7% |
| 2024-04-30 | -12.4% | -7.4% |
Day-one is the close-to-close move around the filing. Nothing here is investment advice.
FCFS's latest 8-K filings: 2026-08-31 (items 1.01, 2.03, 7.01, 9.01); 2026-08-06 (items 7.01, 9.01); 2026-07-23 (items 2.02, 8.01, 9.01); 2026-07-22 (items 5.02); 2026-07-16 (items 8.01, 9.01).
Item codes are the SEC's own classification of what each report discloses. Dates link to the filing on EDGAR. Nothing here is investment advice.
Model solve date: 2026-Q2
Narrative composed: July 26, 2026
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For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.