FirstCash Holdings, Inc, together with its subsidiaries, operates retail pawn stores in the United States, Mexico, and rest of Latin America. The company operates in three segments: U.S. Pawn, Latin America 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 on forfeited pawn loans and over-the-counter purchases of merchandise directly 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.

FirstCash Holdings, Inc.

Fidelity National Information Services, Inc. FIS is well-poised for growth, driven by strong segment performances, digital transformation and innovations, international market presence, collaborations and solid cash flow generation abilities. In the past three months, shares of FIS have grown 1.9%, outperforming the industry’s 1% fall.
Fidelity National — with a market capitalization of $34.8 billion — provides banking and payments technology solutions, processing services and information-based services to the financial services industry. Its forward P/E of 10.63X is lower than the industry average of 21.13X. The company has a Value Score of B.
Courtesy of solid prospects, FIS currently carries a Zacks Rank #3 (Hold).
Where Do Estimates for FIS Stand?
The Zacks Consensus Estimate for Fidelity National’s 2025 earnings is pegged at $5.77 per share, indicating a 10.5% year-over-year rise. In the past 60 days, it has witnessed six upward estimate revisions against none in the opposite direction. Furthermore, the consensus mark for revenues is pegged at $10.6 billion for 2025, implying a 4.6% year-over-year rise. FIS beat earnings estimates in three of the past four quarters and met once, with an average surprise of 1.6%.
Fidelity National Information Services, Inc. Price, Consensus and EPS Surprise
Fidelity National Information Services, Inc. price-consensus-eps-surprise-chart | Fidelity National Information Services, Inc. Quote
FIS’ Growth Drivers
FIS continues to witness solid revenue growth, thanks to the robust performances from its Banking Solutions and Capital Market Solutions segments. Adjusted revenues from Banking Solutions and Capital Market Solutions businesses increased 6% year over year each in the third quarter of 2025. The company's diverse customer base, high recurring revenues, ongoing digital strategy, market strength and core business resilience contribute to sustained revenue growth.
FIS is making artificial intelligence a key part of its growth strategy. By leveraging AI alongside its extensive access to transaction and account-level data, the company is paving the way for automation, predictive insights and cutting-edge fraud detection. AI is also being used internally to enhance sales effectiveness and client support, reinforcing both growth and margin expansion.
FIS is strategically expanding its reach through targeted acquisitions and partnerships to enhance its digital and payments capabilities. Investing in areas like digital onboarding, credit processing and cutting-edge payment infrastructure is broadening its addressable market and deepening client relationships. Its early efforts in asset tokenization, stablecoin payments and tokenized deposits indicate a forward-thinking approach as financial systems continue to evolve, paving the way for sustainable, innovation-driven growth. FIS has partnered with Circle to enable U.S. financial institutions to offer USDC-based domestic and cross-border payments through its Money Movement Hub.
In the third quarter, the company rewarded its shareholders $509 million, to the tune of share buybacks worth $301 million and dividends of $208 million. It also raised its target of conducting share buybacks to around $1.3 billion from $1.2 billion in 2025. It intends to maintain quarterly dividend payments such that the dividend per share increases in line with the growth in adjusted EPS.
FIS’ Key Risks
There are some factors, however, that investors should keep a careful eye on.
Fidelity National faces rising cost pressures, which, in turn, may dampen margins in the days ahead. A debt-laden balance sheet induces an increase in interest expenses, which can limit financial flexibility. As of Sept. 30, 2025, long-term debt, excluding the current portion, amounted to $8.9 billion. Net interest expenses of $90 million increased 40.6% year over year in the third quarter of 2025. Its net debt-to-capital of 45.5% is well above the industry average of 15%.
Key Picks
Some better-ranked stocks in the business services space are OppFi Inc. OPFI, Dave Inc. DAVE and FirstCash Holdings, Inc. FCFS, each sporting a Zacks Rank #1 (Strong Buy) at present. You can see the complete list of today’s Zacks #1 Rank stocks here.
The Zacks Consensus Estimate for OppFi’s current-year earnings of $1.57 per share has witnessed two upward revisions in the past 60 days against no movement in the opposite direction. OppFi beat earnings estimates in each of the trailing four quarters, with the average surprise being 52.2%. The consensus estimate for current-year revenues is pegged at $597.6 million, implying 13.6% year-over-year growth.
The Zacks Consensus Estimate for Dave’s current-year earnings of $12.96 per share has witnessed two upward revisions in the past 60 days against no movement in the opposite direction. Dave beat earnings estimates in each of the trailing four quarters, with the average surprise being 74.7%. The consensus estimate for current-year revenues is pegged at $546.1 million, implying 57.3% year-over-year growth.
The Zacks Consensus Estimate for FirstCash’s current-year earnings of $8.66 per share has witnessed two upward revisions in the past 60 days against no movement in the opposite direction. FirstCash beat earnings estimates in each of the trailing four quarters, with the average surprise being 12.4%. The consensus estimate for current-year revenues is pegged at $3.6 billion, suggesting 5.3% year-over-year growth.
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Here's Why Investors Should Retain Fidelity National Stock for Now

Visa Inc. V is making a significant move to modernize payment systems by introducing USDC-based settlements for U.S. institutions. This initiative enables select issuer and acquirer partners to settle their VisaNet obligations using Circle’s dollar-backed stablecoin, along with traditional fiat methods. With this, Visa is pushing stablecoins beyond experimentation and into core settlement workflows.
The key advantage lies in speed and availability. USDC settlement enables fund movement across blockchains seven days a week, even on weekends and holidays. For banks and fintech companies, settling in USDC can compress settlement cycles, improve liquidity efficiency and reduce reliance on traditional cut-off times tied to legacy systems. Cross River Bank and Lead Bank have already started settling with Visa in USDC for transactions on the Solana blockchain.
This U.S. rollout builds on Visa’s stablecoin pilots across multiple regions and reflects steady momentum. Also, the company’s monthly stablecoin settlement volumes have surged to an annualized rate of over $3.5 billion as of Nov. 30, 2025. Beyond settlement, Visa is collaborating with Circle as a design partner on Arc, an upcoming Layer 1 blockchain. Built for high performance and scalability, Arc is designed to support V’s worldwide commercial activity on-chain. Once live, V plans to use Arc for USDC settlements within its network and run a validator node, strengthening its position in the blockchain’s ecosystem.
With broader U.S. access planned through 2026, this move signals a strategic pivot by Visa to position itself as a bridge between traditional financial rails and blockchain-based infrastructure. Visa has also introduced a global Stablecoins Advisory Practice under Visa Consulting & Analytics to guide financial institutions on market fit, strategy and implementation in the evolving stablecoin space.
Visa’s U.S. stablecoin settlement isn’t just a pilot — it’s a blueprint for the future of institutional payments, bridging the reliability of traditional networks with the speed, transparency and flexibility of blockchain technology.
V’s Price Performance
Over the past year, V shares have risen 8.7% against the industry’s decline of 9.9%.
Image Source: Zacks Investment Research
V’s Zacks Rank & Key Picks
V currently carries a Zacks Rank #3 (Hold).
Some better-ranked stocks in the business services space are OppFi Inc. OPFI, FirstCash Holdings, Inc. FCFS and Dave Inc. DAVE, each sporting a Zacks Rank #1 (Strong Buy) at present. You can see the complete list of today’s Zacks #1 Rank stocks here.
The Zacks Consensus Estimate for OppFi’s current-year earnings of $1.57 per share has witnessed two upward revisions in the past 60 days against no movement in the opposite direction. The consensus estimate of OppFi for current-year revenues is pegged at $597.6 million, implying 13.6% year-over-year growth.
The Zacks Consensus Estimate for FirstCash’s current-year earnings of $8.66 per share has witnessed two upward revisions in the past 60 days against no movement in the opposite direction. FirstCash beat earnings estimates in each of the trailing four quarters, with the average surprise being 12.4%. The consensus estimate for current-year revenues is pegged at $3.6 billion, calling for a 5.3% year-over-year increase.
The Zacks Consensus Estimate for Dave’s current-year earnings of $12.96 per share has witnessed two upward revisions in the past 60 days against no movement in the opposite direction. Dave beat earnings estimates in each of the trailing four quarters, with the average surprise being 74.7%. The consensus estimate for current-year revenues is pegged at $546.1 million, suggesting 57.3% year-over-year growth.
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Visa Brings USDC Settlement to the U.S. and Advances Onchain Payments

Visa (V) shares rallied 6.1% in the last trading session to close at $345.63. This move can be attributable to notable volume with a higher number of shares being traded than in a typical session. This compares to the stock's 3.9% loss over the past four weeks.
Shares of Visa climbed yesterday after Bank of America upgraded the stock and pushed back on concerns that stablecoins pose a threat. Instead, they view stablecoins as a long-term catalyst as Visa continues integrating rails to accelerate global payouts. The recent stretch of underperformance in V has also opened an attractive entry point. The broader rotation out of tech and into financial stocks also added support, helping Visa regain momentum.
This global payments processor is expected to post quarterly earnings of $3.14 per share in its upcoming report, which represents a year-over-year change of +14.2%. Revenues are expected to be $10.68 billion, up 12.3% from the year-ago quarter.
While earnings and revenue growth expectations are important in evaluating the potential strength in a stock, empirical research shows a strong correlation between trends in earnings estimate revisions and near-term stock price movements.
For Visa, the consensus EPS estimate for the quarter has been revised marginally higher over the last 30 days to the current level. And a positive trend in earnings estimate revision usually translates into price appreciation. So, make sure to keep an eye on V going forward to see if this recent jump can turn into more strength down the road.
The stock currently carries a Zacks Rank #3 (Hold). You can see the complete list of today's Zacks Rank #1 (Strong Buy) stocks here >>>>
Visa is part of the Zacks Financial Transaction Services industry. FirstCash Holdings (FCFS), another stock in the same industry, closed the last trading session 2.2% higher at $162.25. FCFS has returned -1.8% in the past month.
FirstCash's consensus EPS estimate for the upcoming report has remained unchanged over the past month at $2.54. Compared to the company's year-ago EPS, this represents a change of +19.8%. FirstCash currently boasts a Zacks Rank of #1 (Strong Buy).
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Strength Seen in Visa (V): Can Its 6.1% Jump Turn into More Strength?

Fidelity National Information Services, Inc. FIS recently announced a significant advancement to its FIS Asset Finance solution through a robust SaaS-based cloud offering. This latest enhancement introduces critical functionality tailored to the U.S. consumer auto finance market, enabling comprehensive lifecycle support for loans and leases across consumer auto, wholesale, and equipment finance. Its shares dipped 0.8% on Nov. 19.
The solution significantly boosts operational efficiency by automating formerly manual workflows through a highly configurable system, leading to reduced operational burdens and quicker value realization. It supports complete lifecycle management—from origination and credit decisioning to servicing, asset management and remarketing—within one integrated ecosystem.
Thanks to its API-driven flexibility and digital-first approach, lenders can deliver consistent and personalized borrower experiences across all channels. Borrowers benefit from seamless self-service access and more customized interactions around the clock.
As a result of the recent upgradation, the FIS Asset Finance solution empowers consumers by simplifying vehicle financing and equipping lenders with the tools needed to modernize operations.
Moreover, the latest move seems to be a time-opportune one since enhanced lending and servicing capabilities can enable FIS to alleviate the mounting pressures in asset finance and auto lending sectors, such as rising customer expectations, regulatory shifts, increasing operational costs and the burdens of legacy infrastructure.
Benefits of the Recent Move to FIS
Upgradation of the FIS Asset Finance solution is likely to be followed by its increased utilization, which in turn, may drive the revenues of FIS in the days ahead. Total revenues of the company improved 4.5% year over year in the first nine months of 2025.
FIS remains committed to innovation by investing in advanced technologies and introducing solutions that enhance the payment ecosystem. The company continuously broadens its offerings through ongoing software improvements, strategic acquisitions and targeted equity investments.
This October, FIS rolled out Smart Basket, a new checkout solution set to boost savings and loyalty rewards for consumers as well as higher conversion rates for retailers.
FIS’ Share Price Performance & Zacks Rank
Shares of Fidelity National have lost 9.9% in the past three months compared with the industry’s 17.7% fall. FIS currently carries a Zacks Rank #3 (Hold).
Image Source: Zacks Investment Research
Stocks to Consider
Some better-ranked stocks in the Business Services space are FirstCash Holdings, Inc. FCFS, EVERTEC, Inc. EVTC and FTI Consulting, Inc. FCN. While FirstCash currently sports a Zacks Rank #1 (Buy), EVERTEC and FTI Consulting carry a Zacks Rank #2 (Buy). You can see the complete list of today’s Zacks #1 Rank stocks here.
The bottom line of FirstCash outpaced estimates in each of the last four quarters, the average surprise being 12.35%. The Zacks Consensus Estimate for FCFS’ 2025 earnings indicates an improvement of 29.3% from the year-ago figure. The same for revenues implies growth of 5.3% from the year-ago number. The consensus mark for FCFS’ earnings has moved 5.5% north in the past 30 days.
EVERTEC's earnings outpaced estimates in each of the trailing four quarters, the average surprise being 8.78%. The Zacks Consensus Estimate for EVTC’s 2025 earnings indicates an improvement of 8.5% from the year-ago figure. The same for revenues implies growth of 9.3% from the prior-year reading. The consensus mark for EVTC's earnings has moved 2% north in the past 30 days.
The bottom line of FTI Consulting outpaced estimates in three of the last four quarters and missed the mark once, the average surprise being 17.49%. The Zacks Consensus Estimate for FCN’s 2025 earnings indicates an improvement of 5.5% from the year-ago figure. The same for revenues implies growth of 0.3% from the year-ago actual. The consensus mark for FCN’s earnings has moved 4.3% north in the past 30 days.
FirstCash stock has gained 9.9% in the past three months. However, shares of EVERTEC and FTI Consulting have declined 18.6% and 4.8%, respectively, in the same time frame.
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FTI Consulting, Inc. (FCN) : Free Stock Analysis Report
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FIS Boosts Asset Finance Platform With New Saas-Based Upgrade

At present, markets seem to be balancing optimism (strong earnings, potential rate cuts and innovation tailwinds) with caution (high valuations of tech-stocks, uncertainty about Fed timing and government shutdown). The recent pullbacks can be termed as a normal “reset” rather than a full-blown reversal. However, navigating such a situation to select stocks and generate steady returns is difficult for retail investors.
Hence, a traditional way of picking stocks is a good idea now. Sales growth provides a more reliable view for evaluating stocks compared with earnings-focused metrics. Stocks like Vertiv Holdings Co VRT, Universal Health Services Inc. UHS, Aptiv PLC APTV,
Ameren Corporation AEE and FirstCash Holdings, Inc. FCFS are worth betting on.
When evaluating a company, sales growth is mostly preferred over earnings. Constant sales growth reflects the actual demand for a company’s products or services. Focusing on sales also offers investors greater visibility into the durability of a company’s business model. The company that can expand its revenues during periods of economic turmoil reflects pricing power, competitive advantages and the ability to capture market share.
Meanwhile, earnings can be distorted by one-off charges, cost-cutting, accounting adjustments or temporary margin expansions, making them less indicative of a company’s underlying trajectory.
Additionally, sustainable sales growth often translates into stronger and more predictable cash flows, providing management with the financial flexibility to reinvest, all without undue reliance on debt. Robust cash reserves and steady cash flow give companies the flexibility to counter challenges, pursue growth opportunities and maintain operational stability even in uncertain times.
Selecting the Potential Winning Stocks
To shortlist stocks with impressive sales growth and a high cash balance, we have selected 5-Year Historical Sales Growth (%) greater than X-Industry and Cash Flow of more than $500 million as our main screening parameters.
But sales growth and cash strength are not the absolute criteria for selecting stocks. Hence, we have added other factors to arrive at a winning strategy.
P/S Ratio less than X-Industry: This metric determines the value placed on each dollar of a company’s revenues. The lower the ratio, the better it is for picking a stock since the investor is paying less for each unit of sales.
% Change F1 Sales Estimate Revisions (four weeks) greater than X-Industry: Estimate revisions, better than the industry, are often seen to trigger an increase in stock price.
Operating Margin (average last five years) greater than 5%: Operating margin measures how much every dollar of a company's sales translates into profits. A high ratio indicates that the company has good cost control and sales are increasing faster than costs — an optimal situation.
Return on Equity (ROE) greater than 5%: This metric will ensure that sales growth is translated into profits and the company is not hoarding cash. A high ROE means that the company is spending wisely and is in all likelihood profitable.
Zacks Rank less than or equal to 2: Zacks Rank #1 (Strong Buy) or 2 (Buy) stocks are known to outperform, irrespective of the market environment. You can see the complete list of today’s Zacks #1 Rank stocks here.
5 Stocks With Solid Sales Growth to Invest in
Vertiv, based in Westerville, OH, is a leading global provider of critical digital infrastructure and services for data centers, communication networks and commercial and industrial environments. VRT serves essential industries, including cloud computing, financial services, healthcare, transportation, manufacturing, energy, government, education, retail and social media.
VRT’s expected sales growth rate for 2025 is 27.5%. Vertiv sports a Zacks Rank #1 at present.
Universal Health Services, headquartered in King of Prussia, PA, owns and operates (through its subsidiaries) acute care hospitals, behavioral health centers, surgical hospitals, ambulatory surgery centers and radiation oncology centers. UHS, through its subsidiaries, operates more than 355 inpatient acute care hospitals and 60 outpatient and other facilities in 39 states, Washington, DC, the United Kingdom and Puerto Rico.
Universal Health Services’ expected sales growth rate for 2025 is 9.7%. UHS currently sports a Zacks Rank #1.
Based in Switzerland, Aptiv is one of the leading global technology and mobility companies that mainly serves the automotive sector. APTV delivers end-to-end smart mobility solutions, active safety and autonomous driving technologies and provides enhanced user experience and connected services.
Aptiv’s sales are expected to rise 2.9% in 2025. APTV carries a Zacks Rank #2 at present.
Based in St. Louis, MO, Ameren is a utility company, generating and distributing electricity and natural gas to residential, commercial, industrial and wholesale end markets in Missouri and Illinois. AEE serves nearly 2.5 million electric and more than 900,000 natural gas customers.
Ameren’s expected sales growth for 2025 is 16.2%. AEE, at present, carries a Zacks Rank #2.
Fort Worth, TX-based FirstCash Holdings operates retail pawn stores. FCFS operates through three segments: U.S. Pawn, Latin America Pawn and Retail POS Payment Solutions segments.
FirstCash Holdings’ sales are expected to grow 5.3% in 2025. FCFS carries a Zacks Rank #2 at present.
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Disclosure: Officers, directors and/or employees of Zacks Investment Research may own or have sold short securities and/or hold long and/or short positions in options that are mentioned in this material. An affiliated investment advisory firm may own or have sold short securities and/or hold long and/or short positions in options that are mentioned in this material.
Disclosure: Performance information for Zacks’ portfolios and strategies are available at: https://www.zacks.com/performance
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Buy These 5 Stocks With Solid Sales Growth Despite Volatile Markets

(RTTNews) - FirstCash, Inc. (FCFS) released a profit for its third quarter that increased from last year and beat the Street estimates.
The company's bottom line totaled $64.827 million, or $1.44 per share. This compares with $57.144 million, or $1.26 per share, in last year's third quarter.
Excluding items, FirstCash, Inc. reported adjusted earnings of $75.179 million or $1.67 per share for the period.
Analysts on average had expected the company to earn $1.62 per share, according to figures compiled by Thomson Reuters. Analysts' estimates typically exclude special items.
The company's revenue for the quarter rose 6.5% to $837.321 million from $786.301 million last year.
FirstCash, Inc. earnings at a glance (GAAP) :
-Earnings (Q3): $64.827 Mln. vs. $57.144 Mln. last year. -EPS (Q3): $1.44 vs. $1.26 last year. -Revenue (Q3): $837.321 Mln vs. $786.301 Mln last year.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

FirstCash, Inc. Q3 Profit Increases, Beats Estimates

The market expects Global Payments (GPN) to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended September 2025. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates.
The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on November 4. On the other hand, if they miss, the stock may move lower.
While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on theearnings call it's worth handicapping the probability of a positive EPS surprise.
Zacks Consensus Estimate
This electronics payment processing company is expected to post quarterly earnings of $3.23 per share in its upcoming report, which represents a year-over-year change of +4.9%.
Revenues are expected to be $2.41 billion, up 2.1% from the year-ago quarter.
Estimate Revisions Trend
The consensus EPS estimate for the quarter has been revised 0.32% lower over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period.
Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts.
Price, Consensus and EPS Surprise
Earnings Whisper
Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. Our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction) -- has this insight at its core.
The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier.
Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only.
A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP.
Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell).
How Have the Numbers Shaped Up for Global Payments?
For Global Payments, the Most Accurate Estimate is lower than the Zacks Consensus Estimate, suggesting that analysts have recently become bearish on the company's earnings prospects. This has resulted in an Earnings ESP of -0.90%.
On the other hand, the stock currently carries a Zacks Rank of #3.
So, this combination makes it difficult to conclusively predict that Global Payments will beat the consensus EPS estimate.
Does Earnings Surprise History Hold Any Clue?
Analysts often consider to what extent a company has been able to match consensus estimates in the past while calculating their estimates for its future earnings. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number.
For the last reported quarter, it was expected that Global Payments would post earnings of $3.03 per share when it actually produced earnings of $3.10, delivering a surprise of +2.31%.
Over the last four quarters, the company has beaten consensus EPS estimates two times.
Bottom Line
An earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss.
That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported.
Global Payments doesn't appear a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release.
An Industry Player's Expected Results
Among the stocks in the Zacks Financial Transaction Services industry, FirstCash Holdings (FCFS), is soon expected to post earnings of $1.91 per share for the quarter ended September 2025. This estimate indicates a year-over-year change of +14.4%. This quarter's revenue is expected to be $839.63 million, up 0.3% from the year-ago quarter.
The consensus EPS estimate for FirstCash has remained unchanged over the last 30 days. However, a higher Most Accurate Estimate has resulted in an Earnings ESP of +3.67%.
When combined with a Zacks Rank of #2 (Buy), this Earnings ESP indicates that FirstCash will most likely beat the consensus EPS estimate. The company beat consensus EPS estimates in each of the trailing four quarters.
Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar.
Should You Invest in Global Payments Inc. (GPN)?
Before you invest in Global Payments Inc. (GPN), want to know the best stocks to buy for the next 30 days? Check out Zacks Investment Research for our free report on the 7 best stocks to buy.
Zacks Investment Research has been committed to providing investors with tools and independent research since 1978. For more than a quarter century, the Zacks Rank stock-rating system has more than doubled the S&P 500 with an average gain of +24.08% per year. (These returns cover a period from January 1, 1988 through May 6, 2024.)
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Global Payments (GPN) Reports Next Week: Wall Street Expects Earnings Growth

SoFi Technologies, Inc. SOFI is scheduled to report its third-quarter 2025 results on Oct. 28, before the opening bell.
The company has had an impressive earnings surprise history. Earnings surpassed the Zacks Consensus Estimate in the trailing four quarters, with a 45.8% surprise on average.
SoFi Technologies, Inc. Price and EPS Surprise
Expectations This Time Around
The Zacks Consensus Estimate for SoFi’s revenues in the to-be-reported quarter is pegged at $890.8 million, indicating a 29.2% year-over-year increase. Growth in members and strong product innovation are likely to have contributed to the positive impact on the company's top line.
The consensus estimate for the bottom line in the to-be-reported quarter stands at 9 cents per share, indicating 80% year-over-year growth. We expect SoFi’s improved operational efficiency to have driven this expected growth in the quarter.
What Our Model Says
Our proven model predicts an earnings beat for SOFI this time around. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy), or 3 (Hold) increases the odds of an earnings beat. You can uncover the best stocks to buy or sell before they're reported with our Earnings ESP Filter.
SOFI has an Earnings ESP of +5.44% and a Zacks Rank #3. You can see the complete list of today’s Zacks #1 Rank stocks here.
Other Stocks to Consider
Here are a few stocks from the broader Business Services sector, which, according to our model, have the right combination of elements to beat on earnings this time around.
Rollins ROL: The Zacks Consensus Estimate for third-quarter 2025 revenues is pegged at $1 billion, indicating an 11.5% increase from the year-ago quarter’s actual. For earnings, the consensus mark is pegged at 32 cents per share, suggesting 10.3% growth from the year-ago quarter’s reported number. ROL surpassed the consensus estimate in one of the past four quarters, met twice and missed once, with an average beat of 0.03%.
Rollins has an Earnings ESP of +4.94% and a Zacks Rank of 3 at present. It is scheduled to declare its third-quarter 2025 results on Oct. 29.
The company is scheduled to declare its fourth-quarter fiscal 2025 results on April 24.
FirstCash FCFS: The Zacks Consensus Estimate for the company’s third-quarter 2025 revenues is pegged at $839.6 million, suggesting a marginal year-over-year rise. For earnings, the consensus estimate is pegged at $1.91 per share, indicating a 14.4% increase from the year-ago quarter’s actual. The company beat the consensus estimate in the trailing four quarters, with an average surprise of 9.2%.
FCFS has an Earnings ESP of +3.67% and a Zacks Rank of 2 at present. The company is scheduled to declare third-quarter 2025 results on Oct. 30.
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SOFI Technologies to Report Q3 Earnings: Here's What to Expect

Republic Services, Inc. RSG is scheduled to release its third-quarter 2025 results on Oct. 30, after market close.
RSG has an impressive earnings surprise history. In the trailing four quarters, it surpassed the Zacks Consensus Estimate, with an average surprise of 8%.
Republic Services, Inc. Price and EPS Surprise
Republic Services’ Q3 Expectations
The Zacks Consensus Estimate for the company’s revenues is pinned at $4.3 billion, indicating a 4.5% increase from the year-ago quarter’s reported figure. We expect RSG’s effective pricing strategy to have benefited the top-line growth, outpacing the cost inflation.
We anticipate revenues from the Collection segment to be $2.9 billion, suggesting a 4.8% rise from the year-ago quarter’s actual. Landfill revenues (net) are expected to be $476.7 million, implying year-over-year 5.3% growth. We have estimated Transfer revenues (net) to be $214.3 million, hinting at an 11.5% increase on a year-over-year basis. We expect Environmental Solutions revenues (net) of $483.9 million, suggesting a year-over-year increment of 4.1%. The Other segment’s revenues are expected to be $212.8 million, indicating a 3.7% year-over-year increase.
We anticipate adjusted EBITDA of $1.4 billion, indicating a 3.7% rise from the year-ago quarter’s actual. The EBITDA margin is expected to be 31.7%, suggesting a 30-basis-point year-over-year decline.
The consensus estimate for earnings per share is pegged at $1.77, indicating a 2.2% decline from the year-ago quarter’s actual. Weak margins are expected to have deteriorated the bottom line.
What Our Model Says About RSG
Our model predicts an earnings beat for Republic Services this time around. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the odds of an earnings beat. You can uncover the best stocks before they are reported with our Earnings ESP Filter.
RSG has an Earnings ESP of +0.41% and a Zacks Rank of 3 at present.
Other Stocks to Consider
Here are a few stocks from the broader Business Services sector, which, according to our model, have the right combination of elements to beat on earnings this time around.
Rollins ROL: The Zacks Consensus Estimate for third-quarter 2025 revenues is pegged at $1 billion, indicating an 11.5% increase from the year-ago quarter’s actual. For earnings, the consensus mark is pegged at 32 cents per share, suggesting 10.3% growth from the year-ago quarter’s reported number. ROL surpassed the consensus estimate in one of the past four quarters, met twice and missed once, with an average beat of 0.03%.
Rollins has an Earnings ESP of +4.94% and a Zacks Rank of 3 at present. It is scheduled to declare its third-quarter 2025 results on Oct. 29. You can see the complete list of today’s Zacks #1 Rank stocks here.
FirstCash FCFS: The Zacks Consensus Estimate for the company’s third-quarter 2025 revenues is $839.6 million, suggesting a marginal year-over-year rise. For earnings, the consensus estimate is set at $1.91 per share, indicating a 14.4% increase from the year-ago quarter’s actual. The company beat the consensus estimate in the trailing four quarters, with an average surprise of 9.2%.
FCFS has an Earnings ESP of +3.67% and a Zacks Rank of 2 at present. The company is scheduled to declare third-quarter 2025 results on Oct. 30.
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Republic Services to Report Q3 Earnings: Here's What You Should Know

The Western Union Company WU reported third-quarter 2025 adjusted earnings per share (EPS) of 47 cents, which surpassed the Zacks Consensus Estimate by 9.3%. The bottom line grew 2.2% year over year.
Total revenues remained flat on a reported basis at $1 billion. The top line beat the consensus mark by 1.2%.
The quarterly results benefited on the back of a declining expense level and strong performance of the Consumer Services (CS) segment. The Branded Digital business posted transaction growth. However, the upside was partly offset by a revenue drop in the Consumer Money Transfer (CMT) segment, impacted by weaker transactions.
The Western Union Company Price, Consensus and EPS Surprise
Q3 Performance of WU
The adjusted operating margin of 20% improved 100 basis points (bps) year over year on the back of cost efficiencies achieved.
Total expenses came in at $830.7 million, which declined 5% year over year in the quarter under review and came lower than our estimate of $833.7 million. The year-over-year decline resulted from a fall in the cost of services and selling, general and administrative expenses.
Operating income advanced 22% year over year to $201.9 million, which beat our estimate of $191.3 million.
Segment Analysis of WU
The CMT segment recorded revenues of $878 million in the third quarter, which slipped 6% year over year. The metric fell short of the Zacks Consensus Estimate of $891 million and our estimate of $903.7 million.
Operating income declined 9% year over year to $172.2 million. Nevertheless, the metric beat the consensus mark of $171 million and our estimate of $170.7 million. The operating income margin remained flat year over year at 20%.
Transactions within the CMT segment on an adjusted basis, excluding Iraq, dipped 2% year over year. However, there was 12% transaction growth in the Branded Digital business. Branded Digital revenues, which accounted for 38% of CMT’s third-quarter revenues, rose 7% on a reported basis and 6% on an adjusted basis.
The CS segment’s revenues climbed 49% year over year on a reported and an adjusted basis to $154.6 million in the quarter under review. The metric outpaced the Zacks Consensus Estimate of $128 million and our estimate of $121.3 million.
Operating income totaled $34 million, which increased nearly fourfold year over year. The metric beat the consensus mark and our estimate of $27.2 million. The operating income margin improved 1,300 bps year over year to 22%.
WU’s Financial Position (As of Sept. 30, 2025)
Western Union exited the third quarter with cash and cash equivalents of $947.8 million, which plunged 35.7% from the 2024-end level. Total assets of $7.8 billion declined 7% from the figure at 2024-end.
Borrowings were $2.6 billion, down 11.9% from the figure as of Dec. 31, 2024.
Total stockholders' equity of $925.4 million slid 4.5% from the 2024-end level.
WU generated net cash from operations of $408.3 million in the first nine months of 2025, which soared 49.9% from the prior-year comparable period.
Western Union’s Capital Deployment
Western Union rewarded its shareholders with $230 million in the form of dividends and $200 million in share buybacks in the first nine months of 2025.
WU’s 2025 View Maintained
Management reiterates adjusted revenues to lie between $4.035 billion and $4.135 billion.
Adjusted EPS continues to be forecasted in the range of $1.65-$1.75, the midpoint of which indicates a 2.3% decline from the 2024 reported figure.
GAAP EPS continues to be forecasted in the band of $1.45-$1.55, the midpoint of which implies a 45.3% decline from the 2024 figure.
The adjusted operating margin is still expected to be between 19% and 21%. The metric was 19% in 2024.
Zacks Rank
Western Union currently has a Zacks Rank #4 (Sell).
A Business Services Sector Release
Of the Business Services sector players that have reported third-quarter results so far, the bottom line of ManpowerGroup Inc. MAN beat the Zacks Consensus Estimate.
ManpowerGroup reported third-quarter 2025 adjusted EPS of 83 cents, which beat the Zacks Consensus Estimate by 1.2% but decreased 35.7% year over year. Total revenues of $4.63 billion beat the consensus estimate by 0.6% and rose 2.3% year over year. Revenues from America of $1.1 billion increased 4.6% year over year on a reported basis and increased 5.5% at cc. In the United States, revenues reached $690.8 million, declining 0.9% year over year.
Revenues from Southern Europe of $2.21 billion rose 5.2% on a reported basis but declined 1.3% at cc. Revenues from France were up 1.4% on a reported basis but down 4.7% at cc. Revenues from Italy amounted to $462.5 million and increased 10.3% on a reported basis and 3.7% at cc. Northern Europe revenues declined 1.4% on a reported basis and 6.7% at cc to $816.8 million. The company registered an operating profit of $66.6 million, down 6.1% year over year on a reported basis and 3.5% at cc.
Upcoming Releases
Here are some companies from the Business Services space, which according to our model, have the right combination of elements to beat on earnings this time around:
FirstCash Holdings, Inc. FCFS has an Earnings ESP of +3.67% and a Zacks Rank #2 (Buy) at present. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
The Zacks Consensus Estimate for FCFS’ third-quarter 2025 earnings is $1.91 per share, indicating 14.4% growth from the year-ago quarter’s reported figure.
FirstCash earnings beat estimates in each of the trailing four quarters, the average surprise being 9.19%.
Global Payments Inc. GPN has an Earnings ESP of +0.62% and a Zacks Rank of 3 (Hold), at present. The Zacks Consensus Estimate for GPN’s third-quarter 2025 earnings is $3.23 per share, implying 4.9% growth from the year-ago quarter’s reported figure.
Global Payments’ earnings beat estimates in two of the trailing four quarters and missed the mark twice, the average surprise being 1.46%.
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Indicator	TTM Median
P/E	23.17 13.89
Price/Sales	2.00 2.07
P/B	3.13 1.18
P/FCF	16.49 10.54

Indicator	TTM Median
ROE	14.20 10.07
ROA	6.58 1.13
ROI	7.76 6.58
Net Worth	6.72 1.01
Quick Ratio	3.12 1.37
Current Ratio	4.21 0.97

Indicator	TTM Median
Net Profit Margin	8.65 16.14
Operating Margin	14.43 22.26
Gross Margin	49.47 69.16
Return on tangible equity	825.35 12.26

Indicator	TTM Median
EPS	1.79 0.64
EPS Forecast	1.66 0.64
Revenue	831.00M 85.00M
Gross Profit	413.00M —
EBITDA	192.00M —

FirstCash Holdings, Inc.

TTM metrics for the latest quarter under IFRS and their historical dynamics

Valuation

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Efficiency

Other ratios

Revenue