FirstCash Holdings, Inc

FCFS: Is FirstCash Holdings, Inc Halal?

FirstCash Holdings, Inc

NASDAQFinancial ServicesUS

$216.38

+0.53%

Market Cap: 9.5B

Compliance Status

Halal

Screened on Jul 17, 2026 · AAOIFI Standard 21

A

Very Good

82Score

Is FirstCash Holdings, Inc (FCFS) halal? Halal. Based on AAOIFI screening, FirstCash Holdings, Inc passes both qualitative (business activity) and quantitative (financial ratio) screens with a compliance score of 82/100 (Grade: A).

Business activity

What the company sells is permissible.

Passed

Company debt

Within the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

18.0% of 30.0% limit

What this means for you

You can own FCFS

It passes both the business activity and financial ratio screens under AAOIFI Standard 21.

Purify 0.3% of your income from FCFS

That is about $0.30 of every $100 you earn from it. Donate this share to charity.

Calculate my exact amount

About FirstCash Holdings, Inc

FirstCash Holdings, Inc., along with its affiliates, oversees a widespread network of retail pawn shops throughout the United States, Mexico, and other parts of Latin America. These establishments provide monetary loans against a diverse range of personal collateral, including jewelry, electronic devices, tools, home appliances, sporting goods, and musical instruments. They also sell merchandise obtained either from defaulted pawn agreements or through direct cash purchases from customers. Beyond its core pawn operations, the firm processes scrap jewelry and trades valuable commodities such as gold, silver, and diamonds on global markets. As of December 31, 2021, its extensive footprint included 1,081 outlets in the U.S. (including the District of Columbia), 1,656 in Mexico, 60 in Guatemala, 13 in El Salvador, and 15 in Colombia. The company was established in 1988 and maintains its principal executive offices in Fort Worth, Texas.

Sector: Financial Services · Industry: Financial - Credit Services

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 17, 2026

Compliance History

  1. Halalnow

    since Jun 2026

  2. Not Halal

    until the change above

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: Q1 2026Data source: EDGAR

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Frequently Asked Questions

Is FirstCash Holdings, Inc (FCFS) halal to invest in?
Based on AAOIFI Standard 21 screening, FirstCash Holdings, Inc (FCFS) is rated Halal with a compliance grade of A (Very Good). It passes both the business activity screen (no primary involvement in prohibited sectors) and the quantitative financial ratio screen (debt, interest deposits, and prohibited income all below AAOIFI thresholds).
Why did FirstCash Holdings, Inc get a A compliance rating?
FirstCash Holdings, Inc (FCFS) received a grade of A (Very Good) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 18.0% (limit 30%); interest-bearing deposits of 1.5% (limit 30%); prohibited income of 0.33% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.
What could change FirstCash Holdings, Inc's Shariah verdict?
FirstCash Holdings, Inc's verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.
How often is FirstCash Holdings, Inc re-screened for Shariah compliance?
FirstCash Holdings, Inc (FCFS) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 17, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.