What Is FirstCash Holdings, Inc. (FCFS) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, FirstCash Holdings, Inc.'s intrinsic value is estimated at a composite fair value of $149.82. Trading at $214.62, the stock is approaching fair value or slight overvaluation (implied return of -30.2%), as 8 of 12 models suggest limited further upside. Model dispersion is worth noting: Bayesian DCF targets $253.07 (+17.9%), versus EPV at $10.47 (-95.1%). This +113.0% range highlights the importance of multi-model analysis rather than relying on any single methodology. Among models with highest confidence, EPV lean bearish — adding weight to the bearish side of the thesis.
What Do the Models Say About FCFS?
12 of 13 models are currently active for FCFS. Of these, 3 models suggest upside while 9 models suggest overvaluation. The Bayesian DCF estimates FCFS's intrinsic value at $253.07, implying +17.9% upside from the current price. See which stocks rank higher →
How Does FCFS Rank in Retail-Miscellaneous Retail?
Among 11 Retail-Miscellaneous Retail stocks, FCFS ranks #2 by Quality of Company score. CirclFi's QOC score of 9.1/10 evaluates 32 fundamental signals. A score of 9.1 places FCFS in the top tier.
The Retail-Miscellaneous Retail sector introduces analytical considerations specific to consumer-facing company businesses. For FirstCash Holdings, Inc., metrics like brand equity index provide important context that general-purpose valuation models may underweight.
Is FCFS a Value Trap?
CirclFi's Value Trap algorithm assigns FCFS a score of 6/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for FirstCash Holdings, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, FirstCash Holdings, Inc. scores 9.1 out of 10 on our 32-signal quality assessment, a elite rating that ranks among the highest-quality businesses in our coverage universe. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.
The gap between the most bullish and bearish model spans +113.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every FCFS valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across FCFS's 12 active models, average confidence is 51%. Moderate confidence indicates reasonable fit.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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