FCFS · NASDAQ · STOCK
FirstCash (FCFS) Stock Analysis
$220.99
52W $146.08 – $238.93
66/100
$9.37B
24.6
0.53
Is FCFS Bullish or Bearish?
Bullish.
Innellis AI committee rates FirstCash (FCFS) Buy with a composite score of 66/100
, based on 5 analysts with 80% agreement.
Last updated September 22, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +9.33 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -10.67 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is vix regime is low -- calm backdrop supports risk-taking. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull & Bear Case
Bull Case
- ROE of 17.1% shows genuine earnings power backing the valuation — Value
- EPS growing 34.8% YoY — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
- Price structure making higher highs and higher lows — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- VIX regime is low -- calm backdrop supports risk-taking — Macro
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 22, 2026
Overall Committee Score
66/100
Agreement
80%
Analysts
5
Conviction
High
Sector Rank
Top 33%
of 211 Financial Services peers
Value Analyst
bullish
63
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ ROE of 17.1% shows genuine earnings power backing the valuation
Growth Analyst
bullish
66
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 34.8% YoY
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score strengthened from 62.7 to 65.7.
- New bearish signals: 1 appeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
Analyst-level changes:
- Macro Analyst: score 65->80 (+15); +1 bullish signal(s).
- Portfolio Manager: score 45->55 (+10); +1 bearish signal(s).
Comparing 2026-09-21 to 2026-09-22 (1 day apart).
Technical Analysis
RSI (14)
39.4
Neutral
MACD Histogram
-1.133
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Support
$205.19
Resistance
$234.85
Bollinger %B
0.22
Inside Bands
Price vs Moving Averages
EMA 9
$220.17
Above
EMA 21
$220.05
Above
EMA 50
$217.76
Above
EMA 200
$199.88
Above
Fundamental Analysis
Valuation
74
Growth
67
Profitability
64
Financial Health
83
Cash Flow
70
Valuation
P/E Ratio
24.6×
P/B Ratio
4.12×
PEG Ratio
0.72
Dividend Yield
0.78%
52W High
$238.93
52W Low
$146.08
Quality & Growth
ROE
1451.1%
ROA
623.3%
Gross Margin
4892.0%
Operating Margin
1611.0%
Revenue Growth YoY
—
Debt / Equity
1.16
AI Fundamental Assessment
P/E ratio of 24.6 (inexpensive relative to a 15-40x range); Price-to-book of 4.1x; PEG ratio of 0.7 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 14.5%; Return on assets of 6.2%; Net margin of 9.4%; Gross margin of 48.9%; Current ratio of 4.89 (healthy short-term liquidity); Debt-to-equity of 1.16; Free cash flow per share is positive (13.48); Most recent quarter beat estimates by 2.1%; 5 consecutive earnings beats; EPS growth decelerating (+1.9% -> -7.1% QoQ); Average YoY EPS growth of 39.7%; Analyst estimates falling over recent quarters
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