FCFS
FirstCash Inc
Price:  
127.12 
USD
Volume:  
248,965
United States | Consumer Finance

FCFS Fair Value

-10.9 %
Upside

What is the fair value of FCFS?

As of 2025-05-16, the Fair Value of FirstCash Inc (FCFS) is 113.3 USD. This value is based on the Peter Lynch's Fair Value formula. With the current market price of 127.12 USD, the upside of FirstCash Inc is -10.9%.

Is FCFS a good investment?

With the market price of 127.12 USD and our fair value calculation, FirstCash Inc (FCFS) is not a good investment. Investing in FCFS stocks now will result in a potential loss of 10.9%.

127.12 USD
Stock Price
113.3 USD
Fair Price
FAIR VALUE CALCULATION

FCFS Fair Value

Peter Lynch's formula is:

FCFS Fair Value
= Earnings Growth Rate x TTM EPS
FCFS Fair Value
= 17.9 x 6.34
FCFS Fair Value
= 113.3

The earnings growth rate we use in the formula is the average growth rate of net income/earnings over the last 5 years. If the average growth rate is smaller than 5%, we set it to 5%. If it is larger than 25%, we set it to 25%. If the TTM EPS is negative, Peter Lynch Fair Value's result can be unreliable.

Historical Earnings
12-202012-202112-202212-202312-20245Y Avg
Net income106.6124.9253.5219.3258.82193
YoY growth-35.2%17.2%103%-13.5%18%17.9%

FCFS Fair Value - Peers Benchmarking

Market Cap (mil)EPS Fair Value Upside
a
SLM Corp7,009331.51-5.7%
Credit Acceptance Corp5,89324.7123.36-75.4%
360 DigiTech Inc5,76748165.87275.2%
Nelnet Inc4,3517.1177.0247.9%
Enova International Inc2,4709.2230.55136.9%
goeasy Ltd2,47816.2405.74165.9%
LendingClub Corp1,2090.411.114.9%
World Acceptance Corp85214350.1136.1%
EZCORP Inc7531.68.14-40.5%

FCFS Fair Value - Key Data

Market Cap (mil)5,639
P/E20.1x
Forward P/E21.4x
EPS6.34
Avg earnings growth rate17.9%
TTM earnings281

FCFS Fair Value - Formula's Origin

Peter Lynch is one of the most legendary investors/fund managers of all time. His philosophy for stock investing is very simple and straightforward: he invests in stocks that are undervalued, meaning its P/E is less than or equal to its earnings growth rate. He believes that if a stock is trading at its fair value, the PEG ratio, which was also invented by him, should be 1.

Therefore, his formula to determine a company's fair value is:

Peter Lynch Fair Value = Earnings Growth Rate * EPS * PEG

PEG is set to 1 so we can ignore it in the calculation. Based on the formula, if the earnings growth rate of a company is 15%, Peter Lynch is willing to buy its share up to P/E = 15.