8-K Announcements
6Apr 24, 2026·SEC
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FirstCash Holdings, Inc (FCFS) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
FirstCash Holdings, Inc (FCFS) stock price & volume — 10-year historical chart
FirstCash Holdings, Inc (FCFS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
FirstCash Holdings, Inc (FCFS) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $2.69vs $2.33+15.5% | $1.1Bvs $1.0B+4.8% |
| Q1 2026 | Feb 5, 2026 | $2.64vs $2.54+3.9% | $1.1Bvs $1.0B+3.5% |
| Q4 2025 | Oct 30, 2025 | $2.26vs $1.94+16.5% | $936Mvs $861M+8.7% |
| Q3 2025 | Jul 24, 2025 | $1.79vs $1.66+7.8% | $831Mvs $820M+1.2% |
FirstCash Holdings, Inc (FCFS) competitors in Debt Collection and Collateral Lending — business model, growth, and fundamentals comparison
FirstCash Holdings, Inc (FCFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FirstCash Holdings, Inc (FCFS) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -22.44M | -26.73M | -32.98M | -27.8M | -31.69M | -69.39M | -91.77M | -103.29M | -118.36M | -126.64M |
| NII Growth % | -14.66% | -19.12% | -23.39% | 15.69% | -13.98% | -118.98% | -32.25% | -12.55% | -14.59% | -82.22% |
| Net Interest Margin % | -1.09% | -1.27% | -1.35% | -1.17% | -0.83% | -1.78% | -2.14% | -2.31% | -2.23% | -2.36% |
| Interest Income | 1.6M | 2.44M | 1.05M | 1.54M | 696K | 1.31M | 1.47M | 1.94M | 2.94M | 1.48M |
| Interest Expense | 24.04M | 29.17M | 34.03M | 29.34M | 32.39M | 70.71M | 93.24M | 105.23M | 121.29M | 128.35M |
| Loan Loss Provision | 808.28M | 784.92M | 812.06M | 690.8M | 747.43M | 1.39B | 1.55B | 1.65B | 1.65B | 1.82B |
| Non-Interest Income | 1.78B | 1.78B | 1.86B | 1.63B | 1.7B | 2.73B | 3.15B | 3.39B | 3.66B | 3.87B |
| Non-Interest Income % | 99.91% | 99.86% | 99.94% | 99.91% | 99.96% | 99.95% | 99.95% | 99.94% | 99.92% | 99.96% |
| Total Revenue | 1.78B▲ 0% | 1.78B▲ 0.1% | 1.86B▲ 4.7% | 1.63B▼ 12.5% | 1.7B▲ 4.1% | 2.73B▲ 60.6% | 3.15B▲ 15.5% | 3.39B▲ 7.5% | 3.66B▲ 8.0% | 3.88B▲ 0% |
| Revenue Growth % | 63.53% | 0.06% | 4.69% | -12.51% | 4.15% | 60.62% | 15.5% | 7.51% | 8.04% | 57.18% |
| Non-Interest Expense | 729.9M | 726.32M | 759.78M | 715.19M | 722M | 980.68M | 1.12B | 1.18B | 1.33B | 1.32B |
| Efficiency Ratio | 41.01% | 40.79% | 40.75% | 43.84% | 42.5% | 35.94% | 35.46% | 34.8% | 36.31% | 34.18% |
| Operating Income | 217.61M▲ 0% | 240.44M▲ 10.5% | 258.57M▲ 7.5% | 195.94M▼ 24.2% | 197.16M▲ 0.6% | 283.9M▲ 44.0% | 389.61M▲ 37.2% | 450.41M▲ 15.6% | 562.23M▲ 24.8% | 602.29M▲ 0% |
| Operating Margin % | 12.23% | 13.5% | 13.87% | 12.01% | 11.6% | 10.4% | 12.36% | 13.29% | 15.36% | 15.54% |
| Operating Income Growth % | 45.71% | 10.49% | 7.54% | -24.22% | 0.62% | 44% | 37.24% | 15.61% | 24.82% | - |
| Pretax Income | 172.31M▲ 0% | 205.31M▲ 19.1% | 224.61M▲ 9.4% | 143.7M▼ 36.0% | 166.5M▲ 15.9% | 323.63M▲ 94.4% | 292.85M▼ 9.5% | 342.78M▲ 17.0% | 447.56M▲ 30.6% | 481.47M▲ 0% |
| Pretax Margin % | 9.68% | 11.53% | 12.05% | 8.81% | 9.8% | 11.86% | 9.29% | 10.12% | 12.23% | 12.42% |
| Income Tax | 28.42M | 52.1M | 59.99M | 37.12M | 41.59M | 70.14M | 73.55M | 83.96M | 117.19M | 126.99M |
| Effective Tax Rate % | 16.49% | 25.38% | 26.71% | 25.83% | 24.98% | 21.67% | 25.11% | 24.49% | 26.18% | 26.37% |
| Net Income | 143.89M▲ 0% | 153.21M▲ 6.5% | 164.62M▲ 7.4% | 106.58M▼ 35.3% | 124.91M▲ 17.2% | 253.5M▲ 102.9% | 219.3M▼ 13.5% | 258.81M▲ 18.0% | 330.38M▲ 27.6% | 354.49M▲ 0% |
| Net Margin % | 8.08% | 8.6% | 8.83% | 6.53% | 7.35% | 9.29% | 6.96% | 7.64% | 9.02% | 9.15% |
| Net Income Growth % | 139.31% | 6.47% | 7.45% | -35.26% | 17.2% | 102.94% | -13.49% | 18.02% | 27.65% | 26.13% |
| Net Income (Continuing) | 143.89M | 153.21M | 164.62M | 106.58M | 124.91M | 253.5M | 219.3M | 258.81M | 330.38M | 354.49M |
| EPS (Diluted) | 3.00▲ 0% | 3.41▲ 13.7% | 3.81▲ 11.7% | 2.56▼ 32.8% | 3.04▲ 18.8% | 5.36▲ 76.3% | 4.80▼ 10.4% | 5.73▲ 19.4% | 7.42▲ 29.5% | 8.01▲ 0% |
| EPS Growth % | 74.42% | 13.67% | 11.73% | -32.81% | 18.75% | 76.32% | -10.45% | 19.38% | 29.49% | 27.68% |
| EPS (Basic) | 3.01 | 3.42 | 3.83 | 2.57 | 3.05 | 5.37 | 4.82 | 5.76 | 7.35 | - |
| Diluted Shares Outstanding | 47.89M | 44.88M | 43.21M | 41.6M | 41.02M | 47.33M | 45.69M | 44.97M | 44.53M | 44.25M |
FirstCash Holdings, Inc (FCFS) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 114.42M | 71.79M | 46.53M | 65.85M | 120.05M | 117.33M | 127.02M | 175.09M | 125.2M | 487.64M |
| Cash & Due from Banks | 114.42M | 71.79M | 46.53M | 65.85M | 120.05M | 117.33M | 127.02M | 175.09M | 125.2M | 130.74M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments Growth % | - | - | - | - | - | - | - | - | - | 0% |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivables | 411.01M | 424.27M | 47.44M | 41.11M | 55.36M | 448.41M | 543.77M | 73.33M | 1.1B | 0 |
| Goodwill & Intangibles | 924.96M | 1.01B | 1.03B | 1.06B | 1.92B | 1.91B | 2.01B | 2.02B | 2.25B | 2.24B |
| Goodwill | 831.14M | 917.42M | 948.64M | 977.38M | 1.54B | 1.58B | 1.73B | 1.79B | 2.02B | 2.02B |
| Intangible Assets | 93.82M | 88.14M | 85.88M | 83.65M | 388.18M | 330.34M | 277.72M | 228.86M | 231.14M | 214.99M |
| PP&E (Net) | 230.34M | 251.65M | 640.72M | 672.62M | 768.59M | 845.69M | 961.18M | 1.04B | 1.17B | 1.2B |
| Other Assets | 54.05M | 49.24M | 11.51M | 9.82M | 8.53M | 9.41M | 10.24M | 9.93M | 9.8M | 9.76M |
| Total Current Assets | 842.2M | 789.89M | 740.99M | 624.57M | 1.13B | 1.13B | 1.31B | 1.4B | 1.86B | 1.91B |
| Total Non-Current Assets | 1.22B | 1.32B | 1.7B | 1.75B | 2.71B | 2.77B | 2.98B | 3.07B | 3.44B | 3.46B |
| Total Assets | 2.06B▲ 0% | 2.11B▲ 2.2% | 2.44B▲ 15.7% | 2.37B▼ 2.8% | 3.84B▲ 61.7% | 3.9B▲ 1.8% | 4.29B▲ 9.9% | 4.48B▲ 4.4% | 5.3B▲ 18.4% | 5.36B▲ 0% |
| Asset Growth % | -3.84% | 2.19% | 15.72% | -2.76% | 61.73% | 1.78% | 9.86% | 4.36% | 18.4% | 61.94% |
| Return on Assets (ROA) | 6.84% | 7.35% | 7.24% | 4.43% | 4.02% | 6.55% | 5.35% | 5.9% | 6.76% | 6.96% |
| Accounts Payable | 4.79M | 6.89M | 5.87M | 7.19M | 23.08M | 27.42M | 26.5M | 31.14M | 26.52M | 206.83M |
| Total Debt | 402.24M | 590.89M | 911.54M | 899.42M | 1.59B | 1.67B | 1.92B | 2.05B | 2.82B | 251.97M |
| Net Debt | 287.82M | 519.09M | 865.01M | 833.58M | 1.47B | 1.55B | 1.8B | 1.87B | 2.69B | 121.24M |
| Long-Term Debt | 402.24M | 590.89M | 631.57M | 615.92M | 1.29B | 1.37B | 1.61B | 1.73B | 2.46B | 251.97M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 111.29M | 0 |
| Other Liabilities | 17.6M | 11.08M | 0 | 0 | 13.95M | 0 | 136.77M | 0 | -248.93M | 2.25B |
| Total Current Liabilities | 120.57M | 133.04M | 202.9M | 206.41M | 392.21M | 295.53M | 335.59M | 339.4M | 407.81M | 399.67M |
| Total Non-Current Liabilities | 466.88M | 656.83M | 886.5M | 881.98M | 1.64B | 1.73B | 1.96B | 2.08B | 2.62B | 2.66B |
| Total Liabilities | 587.45M | 789.87M | 1.09B | 1.09B | 2.03B | 2.03B | 2.29B | 2.42B | 3.02B | 3.06B |
| Total Equity | 1.48B▲ 0% | 1.32B▼ 10.7% | 1.35B▲ 2.4% | 1.28B▼ 4.9% | 1.81B▲ 40.8% | 1.88B▲ 4.0% | 2B▲ 6.2% | 2.05B▲ 2.9% | 2.28B▲ 10.8% | 2.3B▲ 0% |
| Equity Growth % | 1.75% | -10.66% | 2.42% | -4.91% | 40.84% | 3.96% | 6.21% | 2.89% | 10.84% | 40.68% |
| Equity / Assets (Capital Ratio) | 71.52% | 62.53% | 55.34% | 54.12% | 47.13% | 48.14% | 46.54% | 45.88% | 42.95% | 42.86% |
| Return on Equity (ROE) | 9.84% | 10.97% | 12.34% | 8.09% | 8.08% | 13.75% | 11.32% | 12.78% | 15.26% | 15.91% |
| Book Value per Share | 30.81 | 29.37 | 31.25 | 30.86 | 44.07 | 39.72 | 43.69 | 45.68 | 51.13 | 51.94 |
| Tangible BV per Share | 11.49 | 6.96 | 7.30 | 5.36 | -2.83 | -0.68 | -0.20 | 0.85 | 0.50 | 1.41 |
| Common Stock | 493K | 493K | 493K | 493K | 573K | 573K | 573K | 575K | 575K | 575K |
| Additional Paid-in Capital | 1.22B | 1.22B | 1.23B | 1.22B | 1.72B | 1.73B | 1.74B | 1.77B | 1.77B | 0 |
| Retained Earnings | 494.46M | 606.81M | 727.48M | 789.3M | 866.68M | 1.06B | 1.22B | 1.41B | 1.67B | 1.76B |
| Accumulated OCI | -111.88M | -113.12M | -96.97M | -118.43M | -131.3M | -106.57M | -43.04M | -129.6M | -64.83M | -76.4M |
| Treasury Stock | -128.1M | -400.69M | -512.49M | -609.34M | -652.78M | -809.37M | -920.19M | -995.47M | -1.1B | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FirstCash Holdings, Inc (FCFS) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 220.36M | 243.43M | 231.6M | 222.26M | 223.3M | 469.31M | 416.14M | 539.96M | 585.94M | 585.94M |
| Operating CF Growth % | 127.51% | 10.47% | -4.86% | -4.03% | 0.47% | 110.16% | -11.33% | 29.75% | 8.52% | 55.73% |
| Net Income | 143.89M | 153.21M | 164.62M | 106.58M | 124.91M | 253.5M | 219.3M | 258.81M | 0 | 354.49M |
| Depreciation & Amortization | 55.23M | 42.7M | 41.9M | 42.1M | 58.73M | 457.33M | 520.62M | 0 | 0 | 221.95M |
| Deferred Taxes | -14.5M | 7.43M | 7.01M | 14.48M | 10.72M | 42.49M | -13.1M | -7.42M | 0 | 19.99M |
| Other Non-Cash Items | 27.7M | 12.84M | 3.83M | 23.05M | 40.27M | 197.52M | 284.18M | 827.51M | 1.02B | 469.31M |
| Working Capital Changes | 4.96M | 21.47M | 5.56M | 33.14M | -16.48M | -492.38M | -608.53M | -538.95M | -434.14M | -305.54M |
| Cash from Investing | 1.4M | -159.25M | -137.05M | -20.35M | -744.64M | -336.44M | -462.33M | -441.59M | -828.04M | -893.77M |
| Purchase of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Acquisitions | -2.2M | -113.7M | -52.49M | -44.31M | -543.92M | -96.78M | -181.31M | -75.96M | 0 | -344M |
| Other Investing | 29.57M | -9.87M | -40.26M | 61.51M | -158.69M | -204.07M | -220.87M | -297.38M | -828.04M | -538.22M |
| Cash from Financing | -197.51M | -127.06M | -120.81M | -186.5M | 576.99M | -139.27M | 51.31M | -38.19M | 176.41M | 250.13M |
| Dividends Paid | -36.84M | -40.85M | -43.95M | -44.75M | -47.53M | -59.57M | -61.88M | -65.76M | -70.88M | -72.39M |
| Share Repurchases | -91.74M | -273.66M | -116.11M | -106.97M | -49.61M | -157.86M | -114.38M | -85M | -115.85M | -56.24M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -91.74M | -273.66M | -116.11M | -106.97M | -49.61M | -157.86M | -114.38M | -85M | -115.85M | -56.24M |
| Debt Issuance (Net) | -1000K | 1000K | 1000K | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K |
| Other Financing | -5.04M | -548K | -749K | -10.49M | -11.86M | -1.84M | -2.74M | -17.43M | -5.76M | -13.14M |
| Net Change in Cash | 24.47M▲ 0% | -42.63M▼ 274.2% | -25.27M▲ 40.7% | 19.32M▲ 176.5% | 54.2M▲ 180.5% | -2.72M▼ 105.0% | 9.69M▲ 456.7% | 48.08M▲ 396.3% | -49.9M▼ 203.8% | -15.29M▲ 0% |
| Exchange Rate Effect | 220K | 249K | 997K | 3.91M | -1.46M | 3.69M | 4.57M | -12.1M | 15.8M | 15.42M |
| Cash at Beginning | 89.95M | 114.42M | 71.79M | 46.53M | 65.85M | 120.05M | 117.33M | 127.02M | 175.09M | 125.2M |
| Cash at End | 114.42M | 71.79M | 46.53M | 65.85M | 120.05M | 117.33M | 127.02M | 175.09M | 125.2M | 130.74M |
| Interest Paid | 24.3M | 27.12M | 32.68M | 21.03M | 29.46M | 52.89M | 90.28M | 91.18M | 0 | 0 |
| Income Taxes Paid | 29.81M | 29.6M | 48.87M | 34.19M | 24.56M | 30.07M | 102.16M | 85.42M | 0 | 0 |
| Free Cash Flow | 194.39M▲ 0% | 207.75M▲ 6.9% | 187.28M▼ 9.9% | 184.72M▼ 1.4% | 181.28M▼ 1.9% | 433.72M▲ 139.3% | 355.99M▼ 17.9% | 471.71M▲ 32.5% | 469.12M▼ 0.6% | 553.25M▲ 0% |
| FCF Growth % | 154.44% | 6.88% | -9.85% | -1.37% | -1.86% | 139.25% | -17.92% | 32.51% | -0.55% | 15.36% |
FirstCash Holdings, Inc (FCFS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 9.84% | 10.97% | 12.34% | 8.09% | 8.08% | 13.75% | 11.32% | 12.78% | 15.26% | 15.91% |
| Return on Assets (ROA) | 6.84% | 7.35% | 7.24% | 4.43% | 4.02% | 6.55% | 5.35% | 5.9% | 6.76% | 6.96% |
| Net Interest Margin | -1.09% | -1.27% | -1.35% | -1.17% | -0.83% | -1.78% | -2.14% | -2.31% | -2.23% | -2.36% |
| Efficiency Ratio | 41.01% | 40.79% | 40.75% | 43.84% | 42.5% | 35.94% | 35.46% | 34.8% | 36.31% | 34.18% |
| Equity / Assets | 71.52% | 62.53% | 55.34% | 54.12% | 47.13% | 48.14% | 46.54% | 45.88% | 42.95% | 42.86% |
| Book Value / Share | 30.81 | 29.37 | 31.25 | 30.86 | 44.07 | 39.72 | 43.69 | 45.68 | 51.13 | 51.94 |
| NII Growth | -14.66% | -19.12% | -23.39% | 15.69% | -13.98% | -118.98% | -32.25% | -12.55% | -14.59% | -20.78% |
| Dividend Payout | 25.6% | 26.67% | 26.7% | 41.99% | 38.05% | 23.5% | 28.21% | 25.41% | 21.45% | 15.21% |
FirstCash Holdings, Inc (FCFS) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 24, 2026·SEC
Apr 23, 2026·SEC
Mar 3, 2026·SEC
FirstCash Holdings, Inc (FCFS) stock FAQ — growth, dividends, profitability & financials explained
FirstCash Holdings, Inc (FCFS) grew revenue by 8.0% over the past year. This is steady growth.
Yes, FirstCash Holdings, Inc (FCFS) is profitable, generating $354.5M in net income for fiscal year 2025 (9.0% net margin).
Yes, FirstCash Holdings, Inc (FCFS) pays a dividend with a yield of 0.70%. This makes it attractive for income-focused investors.
FirstCash Holdings, Inc (FCFS) has a return on equity (ROE) of 15.3%. This is reasonable for most industries.
FirstCash Holdings, Inc (FCFS) has a net interest margin (NIM) of -2.2%. NIM has been under pressure due to interest rate environment.
FirstCash Holdings, Inc (FCFS) has an efficiency ratio of 36.3%. This is excellent, indicating strong cost control.
FirstCash Holdings, Inc (FCFS) financial analysis — history, returns, DCA and operating performance tools
Analyst verdict, bull/bear case, risk factors and peer comparison
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates