FirstCash Holdings, Inc. (FCFS) Financials

EPS

Hollow marker is the consensus estimate; filled is the reported figure, colored by beat or miss.

Revenue

Outlined bar is the consensus estimate; solid is reported.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
Q1 27	$2.39	$2.5	+4.6%	—	—	—
Q4 26	$2.39	$2.69	+12.6%	—	—	—
Q3 26	$2.53	$2.64	+4.3%	—	—	—
Q2 26	$1.93	$2.26	+17.1%	—	—	—
Q1 26	$1.67	$1.79	+7.2%	—	—	—
Q4 25	$1.74	$2.07	+19.0%	—	—	—
Q3 25	$2.01	$2.12	+5.5%	—	—	—
Q2 25	$1.62	$1.67	+3.1%	—	—	—
Q1 25	$1.32	$1.37	+3.8%	—	—	—
Q4 24	$1.53	$1.55	+1.3%	—	—	—
Q3 24	$1.79	$2.04	+14.0%	—	—	—
Q2 24	$1.38	$1.56	+13.0%	—	—	—
Q1 24	$1.08	$1.22	+13.0%	—	—	—
Q4 23	$1.22	$1.25	+2.5%	—	—	—
Q3 23	$1.52	$1.65	+8.6%	—	—	—
Q2 23	$1.13	$1.3	+15.0%	—	—	—

EPS

Reported per-share earnings by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Revenue

Reported revenue by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
FY25	—	$7.46	—	—	$3.7B	—
FY24	—	$5.78	—	—	$3.4B	—
FY23	—	$4.86	—	—	$3.2B	—
FY22	—	$5.48	—	—	$2.7B

Total revenue

Reported revenue per period; the line is the change from the same period a year earlier, on its own left axis.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	$1.1B	$1.8B	$1.8B	$1.9B	$1.6B	$1.7B	$2.7B	$3.2B	$3.4B	$3.7B
YoY change	+54.5%	+63.5%	+0.06%	+4.69%	-12.5%	+4.15%	+60.6%	+15.5%	+7.51%	+8.04%

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	1.1B	1.8B	1.8B	1.9B	1.6B	1.7B	2.7B	3.2B	3.4B	3.7B
Cost of revenue	483.6M	832.3M	814.1M	846.1M	720.1M	779.8M	1.5B	1.6B	1.8B	1.8B
Gross profit	604.8M	947.5M	966.8M	1B	911.1M	919.2M	1.3B	1.5B	1.6B	1.8B
Gross margin	55.6%	53.2%	54.3%	54.6%	55.9%	54.1%	46.3%	47.8%	48.1%	50.3%
Research & development	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	96.5M	122.5M	120M	122.3M	110.9M	111.3M	147.9M	176.3M	173.2M	232.8M
Operating expenses	423.6M	674.7M	683.4M	717.9M	673.1M	676.1M	876.9M	1B	1.1B	1.2B
Operating income	149.3M	217.6M	240.4M	258.6M	195.9M	197.2M	283.9M	389.6M	450.4M	562.2M
Operating margin	13.7%	12.2%	13.5%	13.9%	12%	11.6%	10.4%	12.4%	13.3%	15.4%
Non-operating income, net	-36.3M	-22.9M	-8.4M	-979K	-24.4M	1M	109.1M	-5M	-4.3M	3.7M
Pretax income	93.4M	172.3M	205.3M	224.6M	143.7M	166.5M	323.6M	292.8M	342.8M	447.6M
Income tax	33.3M	28.4M	52.1M	60M	37.1M	41.6M	70.1M	73.5M	84M	117.2M
Net income	60.1M	143.9M	153.2M	164.6M	106.6M	124.9M	253.5M	219.3M	258.8M	330.4M
Net margin	5.52%	8.08%	8.6%	8.83%	6.53%	7.35%	9.29%	6.96%	7.64%	9.02%
EBITDA	182M	274.4M	285.8M	301.5M	239.6M	255.6M	745.3M	913.1M	991.1M	1B
EPS	1.72	3.01	3.42	3.83	2.57	2.58	5.48	4.86	5.78	7.46
Diluted EPS	1.72	3	3.41	3.81	2.56	2.58	5.36	4.8	5.73	7.42

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	786.3M	852.1M	836.4M	831M	837.3M	883.8M	836.4M	830.6M	935.6M	1.1B	1.1B	—
Cost of revenue	397.7M	434.5M	440.5M	435.6M	432.7M	450.1M	412.2M	417.8M	461.9M	528.5M	509.3M	—
Gross profit	388.6M	417.6M	395.8M	395.4M	404.6M	433.7M	424.2M	412.8M	473.7M	529.9M	542.4M	—
Gross margin	49.4%	49%	47.3%	47.6%	48.3%	49.1%	50.7%	49.7%	50.6%	50.1%	51.6%	—
Research & development	—	—	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	45.1M	51.9M	43.1M	45.6M	40.9M	43.6M	48.5M	59.3M	58.8M	66.2M	65.8M	—
Operating expenses	256.6M	268.7M	264.2M	273.9M	265.9M	270.2M	263.1M	281.8M	295.4M	326.3M	335.2M	—
Operating income	104.7M	121.3M	105.6M	94.9M	112.8M	137.1M	135.6M	105.2M	149.3M	172.1M	175.7M	—
Operating margin	13.3%	14.2%	12.6%	11.4%	13.5%	15.5%	16.2%	12.7%	16%	16.3%	16.7%	—
Non-operating income, net	-2.7M	-3.5M	940K	-3.8M	-617K	-869K	1.9M	1.7M	-5.5M	5.6M	3.8M	—
Pretax income	77.6M	91.5M	81.9M	66.2M	85.2M	109.5M	111.2M	81.1M	112.5M	142.8M	145.1M	—
Income tax	20.5M	21.9M	20.5M	17.1M	20.4M	26M	27.6M	21.3M	29.7M	38.6M	37.4M	—
Net income	57.1M	69.6M	61.4M	49.1M	64.8M	83.5M	83.6M	59.8M	82.8M	104.2M	107.7M	—
Net margin	7.27%	8.17%	7.34%	5.91%	7.74%	9.45%	9.99%	7.2%	8.85%	9.84%	10.2%	—
EBITDA	236.5M	254M	254M	230.9M	244.6M	261.7M	253.5M	213.1M	259M	286.4M	292M	—
EPS	1.27	1.54	1.36	1.1	1.45	1.87	1.88	1.35	1.87	2.37	2.46	2.15
Diluted EPS	1.26	1.53	1.35	1.08	1.44	1.86	1.87	1.34	1.86	2.35	2.43	2.12

P/E

Annual history by fiscal year; click a table row below to chart a different metric.

Current values are trailing twelve months where available, otherwise the latest fiscal year; unreported figures show a dash.

Key stats

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Market cap	—	—	3.2B	3.5B	2.9B	—	4B	4.9B	4.6B	7.1B	8.9B
Enterprise value	—	—	3.8B	4.3B	3.7B	—	5.6B	6.7B	6.5B	9.5B	11.9B
Shares outstanding	35M	47.9M	44.8M	43M	41.5M	48.5M	46.3M	45.1M	44.8M	44.3M	44.3M

Valuation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
P/E	—	—	21.1	21.1	27.3	—	15.9	22.3	17.9	21.4	23.8
P/S	—	—	1.82	1.86	1.78	—	1.47	1.55	1.37	1.93	2.26
P/B	—	—	2.46	2.57	2.26	—	2.14	2.45	2.26	3.1	4.02
EV/EBITDA	—	—	13.1	14.4	15.6	—	7.48	7.32	6.57	9.39	15
EV/Sales	—	—	2.11	2.32	2.29	—	2.04	2.12	1.92	2.6	2.88
Earnings yield	—	—	4.73%	4.75%	3.67%	—	6.3%	4.49%	5.58%	4.68%	4.2%
FCF yield	—	—	6.41%	5.4%	6.35%	—	10.8%	7.28%	10.2%	7.52%	2.46%
PEG	—	—	—	—	—	—	—	—	—	—	0.4

Profitability

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Gross margin	55.6%	53.2%	54.3%	54.6%	55.9%	54.1%	46.3%	47.8%	48.1%	50.3%	50.5%
Operating margin	13.7%	12.2%	13.5%	13.9%	12%	11.6%	10.4%	12.4%	13.3%	15.4%	15.5%
Net margin	5.52%	8.08%	8.6%	8.83%	6.53%	7.35%	9.29%	6.96%	7.64%	9.02%	9.42%
ROE	4.15%	9.75%	11.6%	12.2%	8.3%	6.91%	13.5%	11%	12.6%	14.5%	17.4%
ROA	2.8%	6.98%	7.27%	6.75%	4.49%	3.26%	6.49%	5.11%	5.78%	6.23%	8.3%
ROIC	5.29%	10.3%	9.77%	8.56%	6.86%	4.52%	6.48%	7.69%	8.66%	8.79%	9.28%
Return on tangible assets	21.9%	67.6%	158.2%	44.4%	42.6%	-1K%	311.3%	78.6%	58.2%	41.7%	39.8%

Financial health

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Current ratio	6.21	6.99	5.94	3.65	3.03	2.88	3.83	3.89	4.14	4.55	4.89
Quick ratio	3.91	4.69	3.87	2.34	2.1	2.21	2.85	2.96	3.15	3.36	3.42
Debt / equity	0.31	0.27	0.45	0.68	0.7	0.88	0.89	0.96	1	1.13	1.16
Debt / assets	0.21	0.2	0.28	0.37	0.38	0.41	0.43	0.45	0.46	0.48	0.49
Net debt / EBITDA	2.01	1.05	1.82	2.87	3.48	5.74	2.08	1.97	1.89	2.41	2.36
Interest coverage	5.6	8.17	8.04	7.6	5.9	6.14	5.58	4.14	4.26	4.69	4.75
Effective tax rate	35.7%	16.5%	25.4%	26.7%	25.8%	25%	21.7%	25.1%	24.5%	26.2%	26.4%

Per share

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Revenue per share	31.1	37.2	39.8	43.3	39.3	35	59	69.9	75.7	82.6	93.6
EPS (basic)	1.72	3.01	3.42	3.83	2.57	2.58	5.48	4.86	5.78	7.46	7.46
EPS (diluted)	1.72	3	3.41	3.81	2.56	2.58	5.36	4.8	5.73	7.42	9.03
Book value per share	41.4	30.8	29.4	31.4	30.9	37.3	40.6	44.3	45.9	51.4	53.4
FCF per share	2.18	4.06	4.64	4.35	4.45	3.74	9.37	7.89	10.5	12	12.4
Cash per share	2.57	2.39	1.6	1.08	1.59	2.48	2.53	2.82	3.91	2.83	3.97
Capex per share	0.58	0.54	0.8	1.03	0.9	0.87	0.77	1.33	1.52	—	1.4

Capital allocation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Capex / revenue	1.88%	1.46%	2%	2.38%	2.3%	2.47%	1.3%	1.91%	2.01%	—	1.6%
Capex / operating cash flow	23%	14.4%	15.4%	19.2%	18.8%	25.7%	21.1%	43.5%	25.5%	—	15.7%
Payout ratio	32.9%	25.6%	26.7%	26.7%	42%	38.1%	23.5%	28.2%	25.4%	21.5%	19.1%
Dividend yield	—	—	1.26%	1.27%	1.54%	—	1.48%	1.27%	1.42%	1%	0.82%

Yield

0.82%

trailing twelve months

Frequency

Quarterly

Last dividend

$0.42

ex-dividend Aug 14, 2026

Payout ratio

19%

of earnings

Dividend growth

9 years

consecutive annual raises

Dividend per share

Split-adjusted payout per share by ex-dividend date.

Recent payouts

Ex-dividend	Amount
Aug 14, 2026	$0.42
May 15, 2026	$0.42
Feb 18, 2026	$0.42
Nov 14, 2025	$0.42
Aug 15, 2025	$0.42
May 15, 2025	$0.38
Feb 14, 2025	$0.38

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	$786.3M	$852.1M	$836.4M	$831M	$837.3M	$883.8M	$836.4M	$830.6M	$935.6M	$1.1B	$1.1B	—
YoY change	+17%	+13.7%	+9.65%	+10.7%	+6.49%	+3.72%	+0.01%	-0.05%	+11.7%	+19.8%	+25.7%	—

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Cash & short-term investments	90M	114.4M	71.8M	46.5M	65.8M	120M	117.3M	127M	175.1M	125.2M
Receivables	70.2M	66.3M	61.3M	47.4M	41.1M	55.4M	57.8M	71.9M	73.3M	115.9M
Inventory	330.7M	276.8M	275.1M	265.3M	190.4M	263.3M	288.3M	312.1M	334.6M	487.2M
Total current assets	892.1M	842.2M	789.9M	741M	624.6M	1.1B	1.1B	1.3B	1.4B	1.9B
Property, plant & equipment	180.9M	167.3M	175.2M	517.3M	522.5M	569.5M	596M	659.3M	686.7M	786.3M
Goodwill & intangibles	1.9B	1.8B	2B	2.1B	2.1B	3.8B	3.8B	4B	4B	4.5B
Total assets	2.1B	2.1B	2.1B	2.4B	2.4B	3.8B	3.9B	4.3B	4.5B	5.3B
Accounts payable	11.7M	4.8M	6.9M	5.9M	7.2M	23.1M	27.4M	26.5M	31.1M	26.5M
Short-term debt	—	—	—	86.5M	88.6M	90.6M	92.9M	102M	95.2M	111.3M
Total current liabilities	143.6M	120.6M	133M	202.9M	206.4M	392.2M	295.5M	335.6M	339.4M	407.8M
Long-term debt	456.5M	402.2M	590.9M	825.1M	810.8M	1.5B	1.6B	1.8B	2B	2.5B
Total liabilities	695.2M	587.5M	789.9M	1.1B	1.1B	2B	2B	2.3B	2.4B	3B
Shareholders' equity	1.4B	1.5B	1.3B	1.4B	1.3B	1.8B	1.9B	2B	2.1B	2.3B
Total debt	456.5M	402.2M	590.9M	911.5M	899.4M	1.6B	1.7B	1.9B	2.1B	2.6B
Net debt	366.6M	287.8M	519.1M	865M	833.6M	1.5B	1.6B	1.8B	1.9B	2.4B

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26
Cash & short-term investments	104.6M	86.5M	127M	135.1M	113.7M	106.3M	175.1M	146M	101.5M	130.2M	125.2M	130.7M
Receivables	63.3M	72.3M	71.9M	69.7M	72.2M	74.4M	73.3M	71.2M	76.1M	115.8M	115.9M	117.3M
Inventory	267.1M	314.4M	312.1M	302.4M	315.4M	334.4M	334.6M	334.7M	355.7M	456.3M	487.2M	538.8M
Total current assets	1.1B	1.2B	1.3B	1.3B	1.3B	1.3B	1.4B	1.3B	1.4B	1.8B	1.9B	1.9B
Property, plant & equipment	893.4M	916.8M	659.3M	978.9M	985.7M	1B	686.7M	1.1B	1.1B	1.2B	786.3M	1.2B
Goodwill & intangibles	3.8B	4B	4B	4B	4.1B	4.1B	4B	4.1B	4.1B	4.4B	4.5B	4.5B
Total assets	4B	4.2B	4.3B	4.2B	4.3B	4.4B	4.5B	4.4B	4.5B	5.2B	5.3B	5.4B
Accounts payable	—	—	26.5M	—	—	—	31.1M	129.1M	—	—	26.5M	—
Short-term debt	96.2M	98.7M	102M	100.9M	97.8M	96.6M	95.2M	96.5M	100.8M	111.3M	111.3M	104.8M
Total current liabilities	312.4M	317.4M	335.6M	315.1M	315.6M	308.5M	339.4M	301.9M	326.7M	359.3M	407.8M	399.7M
Long-term debt	1.6B	1.8B	1.8B	1.8B	1.9B	2B	2B	1.9B	1.9B	2.5B	2.5B	2.5B
Total liabilities	2.1B	2.3B	2.3B	2.2B	2.3B	2.4B	2.4B	2.4B	2.4B	3B	3B	3.1B
Shareholders' equity	1.9B	1.9B	2B	2B	2B	2B	2.1B	2.1B	2.1B	2.2B	2.3B	2.3B
Total debt	1.7B	1.9B	1.9B	1.9B	2B	2.1B	2.1B	2B	2B	2.6B	2.6B	2.6B
Net debt	1.6B	1.8B	1.8B	1.7B	1.9B	1.9B	1.9B	1.9B	1.9B	2.4B	2.4B	2.5B

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Net income	60.1M	143.9M	153.2M	164.6M	106.6M	124.9M	253.5M	219.3M	258.8M	330.4M
Depreciation & amortization	31.9M	55.2M	42.7M	41.9M	42.1M	58.7M	457.3M	520.6M	538.2M	430.9M
Stock-based compensation	4.2M	3.1M	5.8M	8.7M	2.9M	5.2M	10.9M	13.7M	14.8M	20.3M
Change in working capital	-19.2M	-8.7M	20.8M	6.6M	31.7M	-19.6M	-489M	-605.1M	-540.9M	-423.1M
Operating cash flow	88.8M	179.8M	231.8M	230.3M	199.5M	163.7M	168.6M	138.2M	267.1M	585.9M
Capital expenditure	-20.5M	-26M	-35.7M	-44.3M	-37.5M	-42M	-35.6M	-60.1M	-68.2M	—
Investing cash flow	-12.6M	12.6M	-139.3M	-62.4M	25.1M	-665.1M	-253.5M	-391.9M	-355.5M	-711.2M
Dividends paid	-19.8M	-36.8M	-40.9M	-44M	-44.8M	-47.5M	-59.6M	-61.9M	-65.8M	-70.9M
Share repurchases	0	-91.7M	-273.7M	-116.1M	-107M	-49.6M	-157.9M	-114.4M	-85M	-115.8M
Financing cash flow	143.3M	-350.8M	60.5M	-81.2M	-403.1M	712.6M	-139.3M	51.3M	-38.2M	176.4M
Net change in cash	219.5M	-158.4M	153.1M	86.7M	-178.5M	211.2M	-224.2M	-202.4M	-126.6M	51.1M
Free cash flow	76.4M	194.4M	207.8M	187.3M	184.7M	181.3M	433.7M	356M	471.7M	531M

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26
Net income	45.2M	57.1M	69.6M	61.4M	49.1M	64.8M	83.5M	83.6M	59.8M	82.8M	104.2M	107.7M
Depreciation & amortization	129.6M	131.1M	131.3M	146.3M	136.7M	130.9M	124.4M	114.3M	104.1M	105.1M	107.4M	112.6M
Stock-based compensation	3.4M	3.4M	3.5M	4.1M	4.1M	3.4M	3.2M	4.5M	4.6M	6.1M	5.1M	5.4M
Change in working capital	-153.4M	-151.8M	-163.1M	-156.6M	-148M	-156.7M	-79.7M	-121M	-106.9M	-122.6M	-72.5M	-127.6M
Operating cash flow	20.6M	39M	40.9M	53.6M	38.6M	41.6M	133.3M	83.7M	58M	135.8M	206.6M	153.6M
Capital expenditure	-14.5M	-18.4M	-13.4M	-26.4M	-16.2M	-13.4M	-12.2M	-12.9M	-13M	—	—	—
Investing cash flow	-95M	-271.7M	-29.4M	-18.3M	-148.5M	-114.4M	-74.3M	-43.3M	-102.8M	-460.5M	-130.5M	-65.2M
Dividends paid	-15.3M	-15.5M	-15.8M	-15.8M	-15.9M	-17M	-17M	-16.9M	-16.9M	-18.6M	-18.4M	-18.5M
Share repurchases	-34.6M	-13.7M	1.1M	0	-85M	0	0	-59.6M	-850K	-30M	-25.4M	-50M
Financing cash flow	18.1M	156.6M	-7.4M	-84.9M	34.1M	31.7M	-19M	-105.3M	-40.7M	371.7M	-49.2M	-31.6M
Net change in cash	-56.4M	-76.1M	4.2M	-49.7M	-75.8M	-41.1M	40M	-64.9M	-85.6M	46.9M	27M	56.8M
Free cash flow	80.6M	93M	85.7M	96.1M	90M	99.7M	185.9M	113.7M	103.9M	124.3M	189.2M	133.5M

Date	Ratio
Feb 22, 2006	2:1
Apr 6, 2004	3:2

FirstCash Holdings, Inc. Financials

EPS

Revenue

Results

EPS

Revenue

Results

Total revenue

Total revenue

Revenue and profits

Condensed income statement

Revenue and profits

Condensed income statement

P/E

Key stats

Valuation

Profitability

Financial health

Per share

Capital allocation

Dividend per share

Recent payouts

Assets vs. liabilities & equity

Condensed balance sheet

Assets vs. liabilities & equity

Condensed balance sheet

Cash generation and uses

Condensed cash flow statement

Cash generation and uses

Condensed cash flow statement

Split history