Is FirstCash Holdings, Inc. (FCFS) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Credit Services | ✗ NOT HALAL | |||
| DJIM | Excluded — Credit Services | ✗ NOT HALAL | |||
| MSCI | Excluded — Credit Services | ✗ NOT HALAL | |||
| S&P | Excluded — Credit Services | ✗ NOT HALAL | |||
| FTSE | Excluded — Credit Services | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 59.0% | |
| Operating Margin | 17.3% | |
| Net Margin | 9.0% | |
| Return on Equity (ROE) | 15.3% | |
| Return on Assets (ROA) | 7.3% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $586M |
| Free Cash Flow | $531M |
| Total Debt | $2.6B |
| Debt-to-Equity | 112.8 |
| Current Ratio | 4.6 |
| Total Assets | $5.3B |
Price & Trading
| Last Close | $192.00 |
| 50-Day MA | $183.30 |
| 200-Day MA | $156.96 |
| Avg Volume | 278K |
| Beta | 0.5 |
|
52-Week Range
$116.66
| |
About FirstCash Holdings, Inc. (FCFS)
FirstCash Holdings, Inc., together with its subsidiaries, operates retail pawn stores in the United States, Mexico, rest of Latin America, and the United Kingdom. The company operates through four segments: U.S. Pawn, Latin America Pawn, U.K. Pawn, and Retail POS Payment Solutions segments. Its pawn stores lend money on the collateral of pledged personal property, including jewelry, electronics, tools, appliances, sporting goods, and musical instruments; and retails merchandise acquired through collateral forfeitures and over-the-counter purchases from customers. The company also provides retail POS payment solutions, which focuses on LTO products and facilitating other retail financing payment options across the network of traditional and e-commerce merchant partners. It serves cash and credit-constrained consumers. The company was formerly known as FirstCash, Inc and changed its name to FirstCash Holdings, Inc. in December 2021. FirstCash Holdings, Inc. was incorporated in 1988 and is headquartered in Fort Worth, Texas.
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Frequently Asked Questions
Is FirstCash Holdings, Inc. (FCFS) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), FirstCash Holdings, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is FirstCash Holdings, Inc.'s debt ratio?
FirstCash Holdings, Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are FirstCash Holdings, Inc.'s key financial metrics?
FirstCash Holdings, Inc. has a market capitalization of $8.4B, trailing P/E ratio of 25.7, and revenue of $3.7B. The company maintains a gross margin of 59.0% and a net margin of 9.0%. Return on equity stands at 15.3%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.