NASDAQ · STOCK
FirstCash
$204.00
52W $128.90 – $235.97
55/100
$8.85B
23.2
0.53
Is FCFS Bullish or Bearish?
Mixed.
Innellis AI committee rates FirstCash (FCFS) Watch with a composite score of 55/100
, based on 7 analysts with 43% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +5.18 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -14.82 from today. The band boundary is 45.0, 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 committee is genuinely divided. News Analyst sees a compelling case — news sentiment is positive (+0.33 across 6 articles, 14d). Risk Analyst remains cautious — bollinger bandwidth of 15.8% signals elevated volatility. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- ROE of 15.9% shows genuine earnings power backing the valuation — Value
- EPS growing 27.9% YoY — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
- Market regime is bullish (Bull market -- normal position sizing) — Macro
- News sentiment is positive (+0.33 across 6 articles, 14d) — News
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
- Bollinger bandwidth of 15.8% signals elevated volatility — Risk
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 July 31, 2026
Overall Committee Score
55/100
Agreement
43%
Analysts
7
Conviction
Contested
Sector Rank
Top 68%
of 141 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 15.9% shows genuine earnings power backing the valuation
Growth Analyst
bullish
66
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 27.9% YoY
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Bollinger bandwidth of 15.8% signals elevated volatility
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
68
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.33 across 6 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 55.9 to 54.8.
- Committee agreement fell notably from 57% to 43%.
- New bearish signals: 3 appeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 3 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Risk Analyst: +1 bearish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
44.0
Neutral
MACD Histogram
-0.609
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$178.72
Resistance
$234.85
Bollinger %B
0.29
Inside Bands
Price vs Moving Averages
EMA 9
$204.81
Below
EMA 21
$209.30
Below
EMA 50
$212.95
Below
EMA 200
$192.21
Above
Fundamental Analysis
Valuation
77
Growth
67
Profitability
0
Financial Health
83
Cash Flow
37
Valuation
P/E Ratio
23.2×
P/B Ratio
3.89×
PEG Ratio
0.68
Dividend Yield
0.01%
52W High
$235.97
52W Low
$128.90
Quality & Growth
ROE
14.5%
ROA
6.2%
Gross Margin
48.9%
Operating Margin
16.1%
Revenue Growth YoY
—
Debt / Equity
1.16
AI Fundamental Assessment
P/E ratio of 23.2 (inexpensive relative to a 15-40x range); Price-to-book of 3.9x; PEG ratio of 0.7 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.1%; Net margin of 0.1%; Gross margin of 0.5%; Current ratio of 4.89 (healthy short-term liquidity); Debt-to-equity of 1.16; Free cash flow margin of 0.9% (thin cash generation); Free cash flow per share is positive (13.47); 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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