NASDAQ : FCFS
FirstCash Holdings, Inc. — Financial statements
Financials · Credit Services · United States
Last price 187.82 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 8.06B
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Financial statements
FirstCash Holdings, Inc. (FCFS) reported revenue of 4.29B USD (TTM). Five years of income statement, balance sheet, cash flow and ratios below.
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Operating Revenue | 3.97B | 3.34B | 3.14B | 2.92B | 2.55B | 1.69B |
| Other Revenue | 315.62M | 317.28M | 245.89M | 233.82M | 181.28M | 9.02M |
| Revenue | 4.29B | 3.66B | 3.39B | 3.15B | 2.73B | 1.70B |
| Cost of Revenue | 1.84B | 1.50B | 1.33B | 1.23B | 1.11B | 766.99M |
| Gross Profit | 2.44B | 2.16B | 2.06B | 1.92B | 1.62B | 931.98M |
| Selling, General & Admin | 1.33B | 1.16B | 1.08B | 999.83M | 876.85M | 676.09M |
| Operating Expenses | 1.75B | 1.59B | 1.62B | 1.52B | 1.33B | 734.82M |
| Operating Income | 691.90M | 573.23M | 445.63M | 398.24M | 283.90M | 197.16M |
| Interest Expense | -143.18M | -121.29M | -105.23M | -93.24M | -70.71M | -32.39M |
| Interest & Investment Income | 1.35M | 2.94M | 1.94M | 1.47M | 1.31M | 696.00K |
| Currency Exchange Gain (Loss) | 473.00K | 2.18M | -2.64M | 1.53M | 585.00K | -436.00K |
| Other Non Operating Income (Expenses) | 15.69M | 15.88M | 5.30M | 6.74M | 2.73M | -949.00K |
| EBT Excluding Unusual Items | 566.23M | 472.93M | 345.00M | 314.74M | 217.82M | 164.08M |
| Merger & Restructuring Charges | -12.64M | -14.37M | -2.23M | -7.92M | -3.74M | -15.45M |
| Legal Settlements | -11.00M | |||||
| Other Unusual Items | -13.97M | 109.55M | 17.87M | |||
| Pretax Income | 553.59M | 447.56M | 342.78M | 292.85M | 323.63M | 166.50M |
| Income Tax Expense | 147.09M | 117.19M | 83.96M | 73.55M | 70.14M | 41.59M |
| Net Income | 406.49M | 330.38M | 258.81M | 219.30M | 253.50M | 124.91M |
| Net Income to Common | 406.49M | 330.38M | 258.81M | 219.30M | 253.50M | 124.91M |
| Shares Outstanding (Basic) | 43.73M | 44.31M | 44.97M | 45.45M | 47.21M | 40.98M |
| Shares Outstanding (Diluted) | 43.98M | 44.53M | 45.17M | 45.69M | 47.33M | 41.02M |
| EPS (Basic) | 9.29 | 7.46 | 5.76 | 4.82 | 5.37 | 3.05 |
| EPS (Diluted) | 9.24 | 7.42 | 5.73 | 4.80 | 5.36 | 3.04 |
| Free Cash Flow | 605.60M | 531.04M | 471.71M | 355.99M | 433.72M | 181.28M |
| Free Cash Flow Per Share | 13.77 | 11.93 | 10.44 | 7.79 | 9.16 | 4.42 |
| Dividend Per Share | 1.68 | 1.60 | 1.46 | 1.36 | 1.26 | 1.17 |
| Gross Margin | 57.01% | 58.99% | 60.88% | 60.88% | 59.29% | 54.86% |
| Operating Margin | 16.14% | 15.66% | 13.15% | 12.63% | 10.40% | 11.60% |
| Profit Margin | 9.48% | 9.02% | 7.64% | 6.96% | 9.29% | 7.35% |
| Free Cash Flow Margin | 14.13% | 14.51% | 13.92% | 11.29% | 15.89% | 10.67% |
| EBITDA | 819.54M | 685.03M | 550.58M | 507.40M | 387.73M | 243.06M |
| EBITDA Margin | 19.12% | 18.71% | 16.25% | 16.10% | 14.21% | 14.31% |
| D&A For EBITDA | 127.64M | 111.81M | 104.94M | 109.16M | 103.83M | 45.91M |
| EBIT | 691.90M | 573.23M | 445.63M | 398.24M | 283.90M | 197.16M |
| EBIT Margin | 16.14% | 15.66% | 13.15% | 12.63% | 10.40% | 11.60% |
| Effective Tax Rate | 26.57% | 26.18% | 24.49% | 25.11% | 21.67% | 24.98% |
| Revenue as Reported | 4.29B | 3.66B | 3.39B | 3.15B | 2.73B | 1.70B |
| Advertising Expenses | 6.30M | 3.70M | 4.30M | 4.10M | 1.00M |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 203.16M | 125.20M | 175.09M | 127.02M | 117.33M | 120.05M |
| Cash & Short-Term Investments | 203.16M | 125.20M | 175.09M | 127.02M | 117.33M | 120.05M |
| Accounts Receivable | 1.03B | 947.35M | 591.19M | 543.77M | 448.41M | 403.33M |
| Other Receivables | 124.11M | 150.27M | 147.50M | 113.90M | 103.49M | 181.02M |
| Receivables | 1.15B | 1.10B | 738.69M | 657.67M | 551.90M | 584.35M |
| Inventory | 598.55M | 487.23M | 334.58M | 312.09M | 288.34M | 263.31M |
| Prepaid Expenses | 36.36M | 32.13M | 26.94M | 38.63M | 19.79M | 17.71M |
| Other Current Assets | 74.70M | 114.28M | 128.44M | 171.19M | 153.30M | 143.94M |
| Total Current Assets | 2.07B | 1.86B | 1.40B | 1.31B | 1.13B | 1.13B |
| Property, Plant & Equipment | 1.25B | 1.17B | 1.04B | 961.18M | 845.69M | 768.59M |
| Goodwill | 2.04B | 2.02B | 1.79B | 1.73B | 1.58B | 1.54B |
| Other Intangible Assets | 185.35M | 231.14M | 228.86M | 277.72M | 330.34M | 388.18M |
| Long-Term Deferred Tax Assets | 9.27M | 6.26M | 4.71M | 6.51M | 7.38M | 5.61M |
| Other Long-Term Assets | 12.55M | 9.80M | 9.93M | 10.24M | 9.41M | 8.53M |
| Total Assets | 5.56B | 5.30B | 4.48B | 4.29B | 3.90B | 3.84B |
| Accounts Payable | 198.74M | 26.52M | 31.14M | 26.50M | 27.42M | 23.08M |
| Accrued Expenses | 151.19M | 136.27M | 133.78M | 110.26M | 94.39M | |
| Current Portion of Leases | 111.20M | 111.29M | 95.16M | 101.96M | 92.94M | 90.57M |
| Current Income Taxes Payable | 16.10M | 746.00K | 635.00K | 569.00K | 3.39M | |
| Other Current Liabilities | 119.85M | 102.71M | 76.09M | 72.71M | 64.34M | 180.78M |
| Total Current Liabilities | 429.79M | 407.81M | 339.40M | 335.59M | 295.53M | 392.21M |
| Long-Term Debt | 2.45B | 2.21B | 1.73B | 1.61B | 1.37B | 1.29B |
| Long-Term Leases | 249.39M | 248.93M | 225.50M | 215.49M | 203.12M | 203.17M |
| Long-Term Deferred Tax Liabilities | 159.59M | 158.82M | 128.57M | 136.77M | 151.76M | 126.10M |
| Other Long-Term Liabilities | 13.95M | |||||
| Total Liabilities | 3.29B | 3.02B | 2.42B | 2.29B | 2.03B | 2.03B |
| Common Stock | 575.00K | 575.00K | 575.00K | 573.00K | 573.00K | 573.00K |
| Additional Paid-In Capital | 1.77B | 1.77B | 1.77B | 1.74B | 1.73B | 1.72B |
| Retained Earnings | 1.92B | 1.67B | 1.41B | 1.22B | 1.06B | 866.68M |
| Treasury Stock | -1.34B | -1.10B | -995.47M | -920.19M | -809.37M | -652.78M |
| Comprehensive Income & Other | -67.89M | -64.83M | -129.60M | -43.04M | -106.57M | -131.30M |
| Shareholders' Equity | 2.27B | 2.28B | 2.05B | 2.00B | 1.88B | 1.81B |
| Total Liabilities & Equity | 5.56B | 5.30B | 4.48B | 4.29B | 3.90B | 3.84B |
| Total Debt | 2.81B | 2.57B | 2.05B | 1.92B | 1.67B | 1.59B |
| Net Cash (Debt) | -2.60B | -2.44B | -1.87B | -1.80B | -1.55B | -1.47B |
| Net Cash Per Share | -59.23 | -54.88 | -41.51 | -39.31 | -32.82 | -35.75 |
| Filing Date Shares Outstanding | 42.89M | 43.98M | 44.76M | 45.11M | 46.29M | 48.49M |
| Total Common Shares Outstanding | 44.13M | 43.98M | 44.75M | 45.11M | 46.29M | 48.48M |
| Working Capital | 1.64B | 1.45B | 1.06B | 971.01M | 835.13M | 737.15M |
| Book Value Per Share | 51.51 | 51.77 | 45.90 | 44.26 | 40.61 | 37.30 |
| Tangible Book Value | 52.78M | 22.20M | 38.13M | -8.96M | -31.95M | -116.23M |
| Tangible Book Value Per Share | 1.20 | 0.50 | 0.85 | -0.20 | -0.69 | -2.40 |
| Land | 226.55M | 195.77M | 161.79M | 141.79M | 114.15M | |
| Buildings | 387.34M | 355.87M | 301.86M | 249.66M | 199.10M | |
| Machinery | 690.38M | 592.39M | 605.35M | 516.80M | 468.12M |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 406.49M | 330.38M | 258.81M | 219.30M | 253.50M | 124.91M |
| Depreciation & Amortization | 127.64M | 111.81M | 104.94M | 109.16M | 103.83M | 45.91M |
| Other Amortization | 296.34M | 323.11M | 436.94M | 414.25M | 356.46M | 14.50M |
| Asset Writedown & Restructuring Costs | 1.73M | 496.00K | 1.72M | 949.00K | ||
| Stock-Based Compensation | 21.22M | 20.25M | 14.79M | 13.67M | 10.85M | 5.15M |
| Other Operating Activities | 38.20M | 71.84M | 117.86M | 144.76M | 116.82M | -575.00K |
| Change in Accounts Receivable | -5.62M | -5.55M | -3.41M | -8.66M | -1.22M | -2.49M |
| Change in Inventory | -53.73M | -21.29M | -9.72M | 1.81M | -3.14M | -27.01M |
| Change in Accounts Payable | 37.88M | 5.37M | 17.91M | 22.42M | 19.99M | 26.18M |
| Change in Income Taxes | 15.16M | 23.74M | 8.22M | -15.43M | -2.24M | 6.30M |
| Change in Other Net Operating Assets | -372.37M | -436.42M | -551.95M | -608.66M | -505.77M | -19.47M |
| Operating Cash Flow | 679.04M | 585.94M | 539.96M | 416.14M | 469.31M | 223.30M |
| Capital Expenditures | -73.44M | -54.91M | -68.25M | -60.15M | -35.59M | -42.02M |
| Cash Acquisitions | -89.26M | -475.06M | -75.96M | -181.31M | -96.78M | -543.92M |
| Sale (Purchase) of Real Estate | -87.42M | -61.92M | -86.07M | -70.45M | -82.90M | -79.51M |
| Investing Cash Flow | -472.32M | -828.04M | -441.59M | -462.33M | -336.44M | -744.64M |
| Long-Term Debt Issued | 796.28M | 945.00M | 646.33M | 286.00M | 1.11B | |
| Long-Term Debt Repaid | -427.38M | -815.00M | -416.03M | -206.00M | -424.00M | |
| Net Debt Issued (Repaid) | 239.63M | 368.90M | 130.00M | 230.31M | 80.00M | 686.00M |
| Issuance of Common Stock | 380.00K | |||||
| Repurchase of Common Stock | -287.78M | -121.61M | -92.01M | -116.84M | -157.86M | -51.27M |
| Common Dividends Paid | -73.52M | -70.88M | -65.76M | -61.88M | -59.57M | -47.53M |
| Other Financing Activities | -16.45M | -10.43M | -279.00K | -1.84M | -10.58M | |
| Financing Cash Flow | -138.12M | 176.41M | -38.19M | 51.31M | -139.27M | 576.99M |
| Foreign Exchange Rate Adjustments | 4.32M | 15.80M | -12.10M | 4.57M | 3.69M | -1.46M |
| Net Cash Flow | 72.92M | -49.90M | 48.08M | 9.69M | -2.72M | 54.20M |
| Free Cash Flow | 605.60M | 531.04M | 471.71M | 355.99M | 433.72M | 181.28M |
| Free Cash Flow Margin | 14.13% | 14.51% | 13.92% | 11.29% | 15.89% | 10.67% |
| Free Cash Flow Per Share | 13.77 | 11.93 | 10.44 | 7.79 | 9.16 | 4.42 |
| Levered Free Cash Flow | 583.62M | 232.38M | 662.72M | 532.36M | 465.73M | -140.23M |
| Unlevered Free Cash Flow | 668.59M | 304.20M | 724.85M | 587.84M | 506.96M | -121.66M |
| Cash Interest Paid | 134.45M | 134.45M | 91.18M | 90.28M | 52.89M | 29.46M |
| Cash Income Tax Paid | 72.72M | 72.72M | 85.42M | 102.16M | 30.07M | 24.56M |
| Change in Working Capital | -378.67M | -434.14M | -538.95M | -608.53M | -492.38M | -16.48M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 7.77B | 7.03B | 4.64B | 4.89B | 4.03B | 3.02B |
| Enterprise Value | 10.38B | 9.48B | 6.58B | 6.70B | 5.59B | 4.00B |
| Last Close Price | 181.25 | 158.41 | 101.75 | 105.11 | 83.12 | 70.43 |
| PE Ratio | 19.61 | 21.29 | 17.91 | 22.30 | 15.88 | 24.22 |
| Forward PE | 14.84 | 16.40 | 13.67 | 15.80 | 15.15 | 15.81 |
| PS Ratio | 1.81 | 1.92 | 1.37 | 1.55 | 1.48 | 1.78 |
| PB Ratio | 3.52 | 3.09 | 2.26 | 2.45 | 2.14 | 1.67 |
| P/TBV Ratio | 147.28 | 316.91 | 121.58 | |||
| P/FCF Ratio | 12.84 | 13.25 | 9.83 | 13.73 | 9.28 | 16.69 |
| P/OCF Ratio | 11.45 | 12.01 | 8.59 | 11.75 | 8.58 | 13.55 |
| PEG Ratio | 2.11 | 2.11 | 2.11 | 2.18 | 2.18 | |
| EV/Sales Ratio | 2.42 | 2.59 | 1.94 | 2.13 | 2.05 | 2.35 |
| EV/EBITDA Ratio | 12.66 | 13.84 | 11.96 | 13.21 | 14.41 | 16.46 |
| EV/EBIT Ratio | 15.00 | 16.54 | 14.78 | 16.83 | 19.68 | 20.30 |
| EV/FCF Ratio | 17.14 | 17.86 | 13.96 | 18.82 | 12.88 | 22.07 |
| Debt / Equity Ratio | 1.24 | 1.13 | 1.00 | 0.96 | 0.89 | 0.88 |
| Debt / EBITDA Ratio | 2.80 | 3.01 | 2.86 | 2.88 | 3.14 | 4.13 |
| Debt / FCF Ratio | 4.64 | 4.84 | 4.35 | 5.40 | 3.85 | 8.75 |
| Net Debt / Equity Ratio | 1.15 | 1.07 | 0.91 | 0.90 | 0.83 | 0.81 |
| Net Debt / EBITDA Ratio | 3.18 | 3.57 | 3.40 | 3.54 | 4.01 | 6.03 |
| Net Debt / FCF Ratio | 4.30 | 4.60 | 3.98 | 5.04 | 3.58 | 8.09 |
| Asset Turnover | 0.80 | 0.75 | 0.77 | 0.77 | 0.70 | 0.55 |
| Inventory Turnover | 3.49 | 3.65 | 4.10 | 4.11 | 4.03 | 3.38 |
| Quick Ratio | 3.16 | 3.00 | 2.69 | 2.34 | 2.27 | 1.80 |
| Current Ratio | 4.81 | 4.55 | 4.14 | 3.89 | 3.83 | 2.88 |
| Return on Equity (ROE) | 18.18% | 15.26% | 12.78% | 11.31% | 13.75% | 8.08% |
| Return on Assets (ROA) | 8.05% | 7.33% | 6.35% | 6.08% | 4.58% | 3.97% |
| Return on Invested Capital (ROIC) | 10.44% | 9.78% | 8.71% | 8.25% | 6.63% | 5.49% |
| Return on Capital Employed (ROCE) | 13.50% | 11.70% | 10.80% | 10.10% | 7.90% | 5.70% |
| Earnings Yield | 5.10% | 4.70% | 5.58% | 4.49% | 6.30% | 4.13% |
| FCF Yield | 7.79% | 7.55% | 10.17% | 7.28% | 10.77% | 5.99% |
| Dividend Yield | 1.01% | 1.00% | 1.41% | 1.26% | 1.45% | 1.88% |
| Payout Ratio | 19.91% | 21.45% | 25.41% | 28.21% | 23.50% | 38.05% |
| Buyback Yield / Dilution | 1.64% | 1.42% | 1.15% | 3.46% | -15.37% | 1.39% |
| Total Shareholder Return | 2.66% | 2.42% | 2.56% | 4.71% | -13.92% | 3.26% |