Sell Alert: James H Graves Cashes Out $807K In FirstCash Hldgs Stock

Disclosed on August 5, James H Graves, Director at FirstCash Hldgs FCFS, executed a substantial insider sell as per the latest SEC filing.

What Happened: Graves's decision to sell 6,000 shares of FirstCash Hldgs was revealed in a Form 4 filing with the U.S. Securities and Exchange Commission on Tuesday. The total value of the sale is $807,360.

At Wednesday morning, FirstCash Hldgs shares are down by 0.0%, trading at $133.28.

All You Need to Know About FirstCash Hldgs

FirstCash Holdings Inc operates pawn stores in the United States and Latin America. Its primary business involves making small loans secured by personal property. The the company has three reportable segments: U.S. pawn; Latin America pawn; and Retail POS payment solutions (AFF). It derives majority revenue from U.S. Pawn segment. These pawn loans give the borrower the option of either repaying the loans with interest or forfeiting the property without further penalty. Geographically operates in USA, Mexico, Latin America, with maximum revenue from USA.

Financial Insights: FirstCash Hldgs

Revenue Growth: FirstCash Hldgs's revenue growth over a period of 3 months has faced challenges. As of 30 June, 2025, the company experienced a revenue decline of approximately -0.05%. This indicates a decrease in the company's top-line earnings. In comparison to its industry peers, the company trails behind with a growth rate lower than the average among peers in the Financials sector.

Analyzing Profitability Metrics:

• Gross Margin: With a low gross margin of 49.7%, the company exhibits below-average profitability, signaling potential struggles in cost efficiency compared to its industry peers.

• Earnings per Share (EPS): FirstCash Hldgs's EPS reflects a decline, falling below the industry average with a current EPS of 1.35.

Debt Management: FirstCash Hldgs's debt-to-equity ratio is below industry norms, indicating a sound financial structure with a ratio of 0.95.

Financial Valuation:

• Price to Earnings (P/E) Ratio: The P/E ratio of 20.5 is lower than the industry average, implying a discounted valuation for FirstCash Hldgs's stock.

• Price to Sales (P/S) Ratio: With a P/S ratio of 1.76 below industry standards, the stock shows potential undervaluation, making it an appealing investment option for those focusing on sales performance.

• EV/EBITDA Analysis (Enterprise Value to its Earnings Before Interest, Taxes, Depreciation & Amortization): At 8.08, FirstCash Hldgs's EV/EBITDA ratio reflects a below-par valuation compared to industry averages signalling undervaluation

Market Capitalization Analysis: The company's market capitalization surpasses industry averages, showcasing a dominant size relative to peers and suggesting a strong market position.

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Why Insider Activity Matters in Finance

Considering insider transactions is valuable, but it's crucial to evaluate them in conjunction with other investment factors.

From a legal standpoint, the term "insider" pertains to any officer, director, or beneficial owner holding more than ten percent of a company's equity securities as outlined in Section 12 of the Securities Exchange Act of 1934. This encompasses executives in the c-suite and significant hedge funds. These insiders are mandated to inform the public of their transactions through a Form 4 filing, to be submitted within two business days of the transaction.

A company insider's new purchase is a indicator of their positive anticipation for a rise in the stock.

While insider sells may not necessarily reflect a bearish view and can be motivated by various factors.

Breaking Down the Significance of Transaction Codes

Examining transactions, investors often concentrate on those unfolding in the open market, meticulously detailed in Table I of the Form 4 filing. A P in Box 3 denotes a purchase, while S signifies a sale. Transaction code C indicates the conversion of an option, and transaction code A denotes a grant, award, or other acquisition of securities from the company.

Check Out The Full List Of FirstCash Hldgs's Insider Trades.

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This article was generated by Benzinga's automated content engine and reviewed by an editor.