FirstCash Holdings, Inc. is a stock, not an exchange-traded fund. It operates a global network of pawn stores and a retail point-of-sale financing business. Four current, attributed analyst targets were reviewed: Canaccord Genuity at $265 (October 15, 2026), Loop Capital Markets at $255 (August 10, 2026), Stephens & Co. at $250 (October 1, 2026), and TD Cowen at $242 (October 6, 2026). The arithmetic mean is $253, which rounds to a clean central target of $250.
The range from $242 to $265 is relatively tight for a consumer-finance name, indicating broad agreement on direction but some disagreement on how much credit to give the valuation. The more cautious views, such as TD Cowen's $242, lean on the elevated multiple and questions about the consumer-lending arm, while the higher targets emphasize sustained pawn growth and margin expansion. Recent activity has been constructive: Canaccord lifted its target from $252 to $265, and Loop Capital upgraded the stock while raising its target from $220 to $255.
Shares recently closed near $216.75, below the 52-week high of $238.93 reached in August 2026. Reaching $250 would require a move of about 15% from current levels, a meaningful but not extreme gain over a typical 12-month research horizon. Notably, $250 sits above the stock's prior all-time high, so the path would require breaking out to record territory.
The company's third-quarter 2026 results, reported in late October, beat expectations: adjusted EPS (earnings per share) of $2.68 versus a $2.63 consensus and revenue of $1.10 billion versus the $1.07 billion estimate, up roughly 17.7% year over year. Pawn segment revenue and income each grew 28%, and the company raised its quarterly dividend by 10%. Still, the stock trades at roughly 24 times trailing earnings, a premium to the broader consumer-finance peer group.
The core pawn business has been a steady engine. Same-store pawn receivables surged about 22% in the prior quarter, reflecting strong demand from cash- and credit-constrained consumers. Management guided to continued double-digit revenue growth and operating-margin expansion, with low-double-digit growth in U.S. pawn receivables and low-to-mid-teens growth in Latin America. The 2025 acquisition of U.K. pawn chain H&T extends the footprint to more than 3,300 locations, and buybacks plus a rising dividend support shareholder returns.
The main concern is American First Finance, the lease-to-own segment. Its pretax profit declined year over year in the second quarter, partly because of retail-partner bankruptcies, while delinquencies rose to 25.6% from 23.2%. If credit quality deteriorates further, the segment could weigh on earnings and sentiment. Valuation is another hurdle: at roughly 24 times earnings, the stock screens expensive relative to peers, and some valuation models place fair value well below the current price. A cooling economy or higher funding costs could compress that multiple even if the pawn business stays healthy.
The 52-week range runs from $146.77 to $238.93. The stock recently pulled back from its August high of $238.93 and has been consolidating near the $214 to $218 area, which acted as a short-term floor. The $238.93 level is the clearest resistance zone; a decisive move above it would open the door toward the $250 target. On the downside, a sustained break below the recent $214 area would weaken the near-term structure. The $250 objective itself sits above the prior record high, making it a psychological as well as a technical milestone.
Analyst price targets generally reflect a research horizon of roughly 12 months, though individual firms may differ. Investors should watch quarterly pawn-receivable growth, AFF delinquency trends and pretax income, margin performance, any update to full-year guidance, and analyst target revisions. Valuation multiple changes, interest-rate expectations, and consumer-credit conditions across the U.S., Latin America, and the U.K. will also influence whether the stock can sustain a premium multiple on the path toward $250.
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The $250 target is a rounded average of four current analyst targets that range from $242 to $265, implying about 15% upside from the recent price near $216.75. The bullish case rests on record pawn-loan demand, international growth, and a newly raised dividend, while the bearish case points to AFF's credit deterioration and a valuation that already prices in meaningful growth. The target would also require a breakout above the prior all-time high near $239. Whether FCFS reaches $250 will likely depend on whether pawn momentum persists while AFF credit metrics stabilize.
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A.I.dvisor indicates that over the last year, FCFS has been closely correlated with EZPW. These tickers have moved in lockstep 67% of the time. This A.I.-generated data suggests there is a high statistical probability that if FCFS jumps, then EZPW could also see price increases.
| Ticker / NAME | Correlation To FCFS | 1D Price Change % | ||
|---|---|---|---|---|
| FCFS | 100% | -3.50% | ||
| EZPW - FCFS | 67% Closely correlated | -3.44% | ||
| UPBD - FCFS | 43% Loosely correlated | +3.60% | ||
| BBDC - FCFS | 34% Loosely correlated | -0.69% | ||
| R - FCFS | 30% Poorly correlated | +0.67% | ||
| CTOS - FCFS | 29% Poorly correlated | -2.93% | ||
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| Ticker / NAME | Correlation To FCFS | 1D Price Change % |
|---|---|---|
| FCFS | 100% | -3.50% |
| FCFS (2 stocks) | 99% Closely correlated | -3.47% |
| Savings Banks (54 stocks) | 33% Poorly correlated | -2.97% |
| Banks (430 stocks) | 18% Poorly correlated | -1.40% |