With so much uncertainty in the US stock market as of late, I recently wanted to find some new potential holdings that wouldn't just survive in a volatile macro regime, but potentially thrive.I am an investment professional with a background in both equity and real estate markets. I specialize in identifying long-only opportunities that offer safe and growing dividends, aiming to outperform the broader market on a risk-adjusted return basis. In addition to managing my family's investment portfolio, I have e ...

For those looking to find strong Business Services stocks, it is prudent to search for companies in the group that are outperforming their peers. Is FirstCash Holdings (FCFS) one of those stocks right now? A quick glance at the company's year-to-date performance in comparison to the rest of the Business Services sector should help us answer this question.FirstCash Holdings is a member of our Business Services group, which includes 270 different companies and currently sits at #4 in the Zacks Sector Rank. Th ...

Core Viewpoint - FirstCash is strategically entering the UK market by acquiring H&T Group plc, enhancing its geographic diversification and growth opportunities while strengthening its position as a global leader in pawn operations [1][2][3]. Group 1: Acquisition Details - FirstCash will pay 650 pence per share for H&T, totaling approximately £297 million or $394 million USD, including a final dividend of 11 pence per share [1]. - The acquisition has been unanimously approved by the Boards of Directors of both companies and is subject to H&T's shareholder approval and regulatory approvals in the UK [5]. Group 2: Strategic and Financial Benefits - The acquisition expands FirstCash's geographic footprint into the UK, creating the largest publicly traded pawn platform across the U.S., Latin America, and the UK [2][6]. - H&T's established brand and network of 285 stores will enhance FirstCash's scale and operational efficiencies, unlocking further growth opportunities in the UK and potentially other European markets [6]. - The transaction is expected to be meaningfully accretive to EBITDA and EPS, strengthening FirstCash's financial profile and long-term shareholder value [6]. Group 3: Leadership and Management - H&T's experienced management team will provide local expertise, positioning FirstCash to drive strong execution and continued momentum in the UK market [6].

Core Insights - Momentum investing focuses on following a stock's recent price trends, aiming to buy high and sell higher, with the expectation that established trends will continue [1] - The Zacks Momentum Style Score helps investors identify stocks with strong momentum, addressing the challenges of defining momentum [2] Company Overview: FirstCash Holdings (FCFS) - FirstCash Holdings currently holds a Momentum Style Score of A, indicating strong momentum potential [3] - The company has a Zacks Rank of 2 (Buy), suggesting it is positioned for outperformance in the market [4] Performance Metrics - FCFS shares have increased by 8.65% over the past week, outperforming the Zacks Financial Transaction Services industry, which rose by 4.48% [6] - Over the last quarter, FCFS shares rose by 18.61%, and by 15.49% over the past year, while the S&P 500 saw declines of -6.91% and gains of 13.12%, respectively [7] - The average 20-day trading volume for FCFS is 439,178 shares, indicating a bullish trend when combined with rising stock prices [8] Earnings Outlook - In the past two months, 3 earnings estimates for FCFS have been revised upwards, while only 1 estimate was revised down, leading to an increase in the consensus estimate from $7.70 to $7.85 [10] - For the next fiscal year, 3 estimates have also moved upwards with no downward revisions, indicating positive earnings momentum [10] Conclusion - Given the strong performance metrics and positive earnings outlook, FCFS is positioned as a solid momentum pick with a 2 (Buy) rating and a Momentum Score of A [12]

FirstCash Holdings (FCFS) appears an attractive pick, as it has been recently upgraded to a Zacks Rank #2 (Buy). This upgrade is essentially a reflection of an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.A company's changing earnings picture is at the core of the Zacks rating. The system tracks the Zacks Consensus Estimate -- the consensus measure of EPS estimates from the sell-side analysts covering the stock -- for the current and following years.Individual ...

The Business Services group has plenty of great stocks, but investors should always be looking for companies that are outperforming their peers. Is FirstCash Holdings (FCFS) one of those stocks right now? By taking a look at the stock's year-to-date performance in comparison to its Business Services peers, we might be able to answer that question.FirstCash Holdings is a member of our Business Services group, which includes 271 different companies and currently sits at #5 in the Zacks Sector Rank. The Zacks ...

For the Quarterly Period Ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to ___________ Commission file number 001-10960 FIRSTCASH HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 87- ...

Financial Performance - FirstCash reported a record first quarter net income of $83.6 million, a 36% increase on a GAAP basis compared to the prior year[2]. - Diluted earnings per share for the first quarter increased 39% to $1.87 on a GAAP basis, while adjusted diluted earnings per share rose 34% to $2.07[11]. - Revenue for the first quarter was $836.4 million, flat on a U.S. dollar basis but up 4% on a constant currency basis compared to the prior year[11]. - Net income for the three months ended March 31, 2025, was $83,591,000, an increase from $61,368,000 for the same period in 2024, representing a growth of 36%[70]. - EBITDA for the three months ended March 31, 2025, was $162,961,000, compared to $132,587,000 for the same period in 2024, reflecting a 23% increase[70]. - Adjusted EBITDA for the trailing twelve months ended March 31, 2025, was $589,725,000, up from $533,754,000 for the previous year, indicating a growth of 10.5%[70]. - Free cash flow for the three months ended March 31, 2025, was $112,600,000, compared to $105,943,000 for the same period in 2024, showing an increase of 6%[73]. - Adjusted free cash flow for the trailing twelve months ended March 31, 2025, was $268,660,000, up from $201,457,000 for the previous year, representing a significant increase of 33.3%[73]. - Adjusted return on equity for the trailing twelve months ended March 31, 2025, was 16%, while adjusted return on assets was 7%[76]. Pawn Operations - Same-store pawn receivables increased 13% in the U.S. and 14% in Latin America, marking seven consecutive quarters of double-digit growth in the U.S. segment[3]. - Pawn operations are expected to contribute over 80% of total segment level pre-tax income for 2025, with same-store pawn loans up 13% year-over-year as of March 31, 2025[21]. - Total outstanding pawn loans increased by 16% in the U.S. and 15% in Latin America on a local currency basis, with average loan amounts up 11% in the U.S. and 7% in Latin America[24]. - Pawn loans in the U.S. increased by 16% to $365,972 as of March 31, 2025, compared to $315,792 in 2024[46]. - Total revenue for U.S. Pawn segment reached $422,665 for the three months ended March 31, 2025, a 12% increase from $377,690 in the same period of 2024[43]. - Segment pre-tax operating income for U.S. Pawn increased by 17% to $113,132 for the three months ended March 31, 2025, compared to $96,602 in 2024[43]. - Total revenue for Latin America Pawn segment decreased by 6% to $184,128 for the three months ended March 31, 2025, from $196,640 in 2024[49]. - Segment pre-tax operating income for Latin America Pawn was $31,405 for the three months ended March 31, 2025, a slight decrease of 2% from $31,904 in 2024[49]. Growth and Expansion - The number of active retail and e-commerce merchant partner locations increased by 19% to approximately 14,500, with a 29% increase excluding closed furniture locations[11]. - The company added 12 pawn locations in the first quarter, including acquisitions and new store openings in three countries[11]. - The company added 91 locations over the last 12 months through new store openings and acquisitions, with a robust pipeline for future pawn store growth[25]. - The outlook for 2025 remains positive, with expected year-over-year growth in income driven by continued demand for pawn loans and store additions[19]. Shareholder Returns and Capital Management - The company repurchased 525,000 shares of common stock for $60 million during the first quarter, with a total of 1,246,000 shares repurchased over the past twelve months[17]. - The Board of Directors declared a quarterly cash dividend of $0.38 per share, representing an annualized dividend of $1.52 per share[17]. - FirstCash repurchased 525,000 shares for $60 million at an average price of less than $114 per share, while reducing outstanding debt by $23 million[28]. Financial Outlook and Challenges - The effective income tax rate for 2025 is expected to range from 24.5% to 25.5%, with each full point change in the Mexican peso exchange rate projected to impact annual earnings by approximately $0.10 per share[29]. - Full year net revenues are forecast to decline by 8% to 12% compared to the prior year, with second quarter net revenues expected to decline by 14% to 16% year-over-year[21]. - Despite an 8% year-over-year decrease in first quarter originations, full year origination volume for 2025 is expected to be consistent with or slightly above 2024 levels, with a projected increase of 20% to 25% when excluding certain originations[21]. - The company continues to consolidate overlapping store operations to achieve significant cost savings while investing in high-performing U.S. store real estate[26]. Asset and Liability Management - Total assets as of March 31, 2025, increased to $4,426,277, up from $4,247,452 as of December 31, 2024, representing a growth of 4.2%[40]. - Total liabilities increased to $2,367,917 as of March 31, 2025, from $2,202,070 as of December 31, 2024, reflecting a growth of 7.5%[40]. - Stockholders' equity as of March 31, 2025, was $2,058,360, slightly up from $2,045,382 as of December 31, 2024[40]. Market Conditions and Currency Impact - The Mexican peso to U.S. dollar exchange rate at the end of March 31, 2025, was 20.3, a 22% unfavorable change compared to 16.7 in 2024[80]. - The Colombian peso to U.S. dollar exchange rate at the end of March 31, 2025, was 4,193, reflecting a 9% unfavorable change from 3,842 in 2024[80].

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance. As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately. Here is how FirstCash performed in ...

Group 1 - FirstCash Holdings (FCFS) reported quarterly earnings of $2.07 per share, exceeding the Zacks Consensus Estimate of $1.75 per share, and up from $1.55 per share a year ago, representing an earnings surprise of 18.29% [1] - The company posted revenues of $836.42 million for the quarter ended March 2025, slightly missing the Zacks Consensus Estimate by 0.64%, and showing a marginal increase from $836.37 million year-over-year [2] - FirstCash has surpassed consensus EPS estimates in all four of the last quarters, but has only topped revenue estimates once during the same period [2] Group 2 - The stock has increased approximately 16.5% since the beginning of the year, contrasting with the S&P 500's decline of 8.6% [3] - The current consensus EPS estimate for the upcoming quarter is $1.63 on revenues of $837.93 million, and for the current fiscal year, it is $7.65 on revenues of $3.42 billion [7] - The Financial Transaction Services industry, to which FirstCash belongs, is currently ranked in the top 37% of over 250 Zacks industries, indicating a favorable outlook compared to the bottom 50% [8]