FirstCash Holdings, Inc.
In the published model solve dated 2026-Q2, anchored at $219.21, FirstCash Holdings, Inc. (FCFS) is priced for +7.1% 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: 2026-08-06 (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); 2026-06-23 (items 7.01, 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.