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FCFSFirstCash Holdings, Inc
$227.05$10.0B
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FCFS logoFirstCash Holdings, Inc(FCFS)Earnings, Financials & Key Ratios

FCFS•NASDAQ•Banking & Credit
30.6× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryDebt Collection and Collateral Lending
AboutFirstCash Holdings, Inc, together with its subsidiaries, operates retail pawn stores in the United States, Mexico, and rest of Latin America. 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 is also involved in melting scrap jewelry, as well as sells gold, silver, and diamonds in commodity markets. As of December 31, 2021, it operated 1,081 stores in the United States and the District of Columbia; 1,656 stores in Mexico; 60 stores in Guatemala; 13 stores in El Salvador; and 15 stores in Colombia. The company was incorporated in 1988 and is headquartered in Fort Worth, Texas.Show more
  • Net Interest Income-$118M-14.6%
  • Total Revenue$3.66B+8.0%
  • Net Income$330M+27.6%
  • Return on Equity15.26%+19.4%
  • Net Interest Margin-2.23%+3.2%
  • Efficiency Ratio36.31%+4.3%
  • ROA6.76%+14.5%
  • Equity / Assets42.95%-6.4%
  • Book Value per Share51.13+11.9%

FCFS Key Insights

FirstCash Holdings, Inc (FCFS) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 25.4%
  • ✓Strong Piotroski F-Score: 7/9
  • ✓Efficient operations: 36.3% efficiency ratio
  • ✓10 consecutive years of dividend growth
  • ✓Momentum leader: RS Rating 83 (top 17%)
  • ✓Well capitalized: 43.0% equity/assets

✗Weaknesses

  • ✗Weak NIM of -2.2%

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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FCFS Price & Volume

FirstCash Holdings, Inc (FCFS) stock price & volume — 10-year historical chart

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FCFS Growth Metrics

FirstCash Holdings, Inc (FCFS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years17.91%
5 Years17.55%
3 Years10.29%
TTM-

Profit CAGR

10 Years18.46%
5 Years25.39%
3 Years9.23%
TTM26.13%

EPS CAGR

10 Years13.24%
5 Years23.72%
3 Years11.45%
TTM27.68%

Return on Capital

10 Years10.45%
5 Years9.79%
3 Years11.3%
Last Year12.45%

FCFS Recent Earnings

FirstCash Holdings, Inc (FCFS) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$2.69+15.5%
$2.33
Rev
$1.1B+4.8%
$1.0B
Q1 2026
Feb 5, 2026
Metric
Actual
Est
EPS
$2.64+3.9%
$2.54
Rev
$1.1B+3.5%
$1.0B
Q4 2025
Oct 30, 2025
Metric
Actual
Est
EPS
$2.26+16.5%
$1.94
Rev
$936M+8.7%
$861M
Q3 2025
Jul 24, 2025
Metric
Actual
Est
EPS
$1.79+7.8%
$1.66
Rev
$831M+1.2%
$820M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$2.69vs $2.33+15.5%
$1.1Bvs $1.0B+4.8%
Q1 2026Feb 5, 2026
$2.64vs $2.54+3.9%
$1.1Bvs $1.0B+3.5%
Q4 2025Oct 30, 2025
$2.26vs $1.94+16.5%
$936Mvs $861M+8.7%
Q3 2025Jul 24, 2025
$1.79vs $1.66+7.8%
$831Mvs $820M+1.2%
Based on last 12 quarters of dataView full earnings history →

FCFS Peer Comparison

FirstCash Holdings, Inc (FCFS) competitors in Debt Collection and Collateral Lending — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
EZPW logoEZPWEZCORP, Inc.Direct Competitor1.86B31.7222.349.7%9.2%12.48%0.75
WRLD logoWRLDWorld Acceptance CorporationProduct Competitor896.53M177.9510.92-1.46%7.46%10.79%1.20
RM logoRMRegional Management Corp.Product Competitor349.57M37.208.369.7%7.4%13.16%4.65
ENVA logoENVAEnova International, Inc.Product Competitor5.05B202.5517.4918.58%9.95%24.88%3.41
V logoVVisa Inc.Supply Chain627.79B327.2432.0811.34%51.68%58.9%0.66
MA logoMAMastercard IncorporatedSupply Chain433.57B489.7929.6516.42%45.88%205.79%2.45
WU logoWUThe Western Union CompanySupply Chain2.23B7.134.66-4%10.89%47.95%
EVTC logoEVTCEVERTEC, Inc.Supply Chain1.58B25.7211.6910.21%13.95%18.65%1.58

Compare FCFS vs Peers

FirstCash Holdings, Inc (FCFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs EZPW

Most directly comparable listed peer for FCFS.

Scale Benchmark

vs V

Larger-name benchmark to compare FCFS against a more recognizable public peer.

Peer Set

Compare Top 5

vs EZPW, WRLD, RM, ENVA

FCFS Income Statement

FirstCash Holdings, Inc (FCFS) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
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
1.6M2.44M1.05M1.54M696K1.31M1.47M1.94M2.94M1.48M
Interest Expense
24.04M29.17M34.03M29.34M32.39M70.71M93.24M105.23M121.29M128.35M
Loan Loss Provision
808.28M784.92M812.06M690.8M747.43M1.39B1.55B1.65B1.65B1.82B
Non-Interest Income
1.78B1.78B1.86B1.63B1.7B2.73B3.15B3.39B3.66B3.87B
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
729.9M726.32M759.78M715.19M722M980.68M1.12B1.18B1.33B1.32B
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
28.42M52.1M59.99M37.12M41.59M70.14M73.55M83.96M117.19M126.99M
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)
143.89M153.21M164.62M106.58M124.91M253.5M219.3M258.81M330.38M354.49M
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)
3.013.423.832.573.055.374.825.767.35-
Diluted Shares Outstanding
47.89M44.88M43.21M41.6M41.02M47.33M45.69M44.97M44.53M44.25M

FCFS Balance Sheet

FirstCash Holdings, Inc (FCFS) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments
114.42M71.79M46.53M65.85M120.05M117.33M127.02M175.09M125.2M487.64M
Cash & Due from Banks
114.42M71.79M46.53M65.85M120.05M117.33M127.02M175.09M125.2M130.74M
Short Term Investments
0000000000
Total Investments
0000000000
Investments Growth %
---------0%
Long-Term Investments
0000000000
Accounts Receivables
411.01M424.27M47.44M41.11M55.36M448.41M543.77M73.33M1.1B0
Goodwill & Intangibles
924.96M1.01B1.03B1.06B1.92B1.91B2.01B2.02B2.25B2.24B
Goodwill
831.14M917.42M948.64M977.38M1.54B1.58B1.73B1.79B2.02B2.02B
Intangible Assets
93.82M88.14M85.88M83.65M388.18M330.34M277.72M228.86M231.14M214.99M
PP&E (Net)
230.34M251.65M640.72M672.62M768.59M845.69M961.18M1.04B1.17B1.2B
Other Assets
54.05M49.24M11.51M9.82M8.53M9.41M10.24M9.93M9.8M9.76M
Total Current Assets
842.2M789.89M740.99M624.57M1.13B1.13B1.31B1.4B1.86B1.91B
Total Non-Current Assets
1.22B1.32B1.7B1.75B2.71B2.77B2.98B3.07B3.44B3.46B
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
4.79M6.89M5.87M7.19M23.08M27.42M26.5M31.14M26.52M206.83M
Total Debt
402.24M590.89M911.54M899.42M1.59B1.67B1.92B2.05B2.82B251.97M
Net Debt
287.82M519.09M865.01M833.58M1.47B1.55B1.8B1.87B2.69B121.24M
Long-Term Debt
402.24M590.89M631.57M615.92M1.29B1.37B1.61B1.73B2.46B251.97M
Short-Term Debt
00000000111.29M0
Other Liabilities
17.6M11.08M0013.95M0136.77M0-248.93M2.25B
Total Current Liabilities
120.57M133.04M202.9M206.41M392.21M295.53M335.59M339.4M407.81M399.67M
Total Non-Current Liabilities
466.88M656.83M886.5M881.98M1.64B1.73B1.96B2.08B2.62B2.66B
Total Liabilities
587.45M789.87M1.09B1.09B2.03B2.03B2.29B2.42B3.02B3.06B
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
30.8129.3731.2530.8644.0739.7243.6945.6851.1351.94
Tangible BV per Share
11.496.967.305.36-2.83-0.68-0.200.850.501.41
Common Stock
493K493K493K493K573K573K573K575K575K575K
Additional Paid-in Capital
1.22B1.22B1.23B1.22B1.72B1.73B1.74B1.77B1.77B0
Retained Earnings
494.46M606.81M727.48M789.3M866.68M1.06B1.22B1.41B1.67B1.76B
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-1.1B0
Preferred Stock
0000000000

FCFS Cash Flow Statement

FirstCash Holdings, Inc (FCFS) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
220.36M243.43M231.6M222.26M223.3M469.31M416.14M539.96M585.94M612.93M
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
143.89M153.21M164.62M106.58M124.91M253.5M219.3M258.81M0354.49M
Depreciation & Amortization
55.23M42.7M41.9M42.1M58.73M457.33M520.62M00221.95M
Deferred Taxes
-14.5M7.43M7.01M14.48M10.72M42.49M-13.1M-7.42M019.99M
Other Non-Cash Items
27.7M12.84M3.83M23.05M40.27M197.52M284.18M827.51M1.02B469.31M
Working Capital Changes
4.96M21.47M5.56M33.14M-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
0000000000
Sale/Maturity of Investments
0000000000
Net Investment Activity
0000000000
Acquisitions
-2.2M-113.7M-52.49M-44.31M-543.92M-96.78M-181.31M-75.96M0-344M
Other Investing
29.57M-9.87M-40.26M61.51M-158.69M-204.07M-220.87M-297.38M-828.04M-538.22M
Cash from Financing
-197.51M-127.06M-120.81M-186.5M576.99M-139.27M51.31M-38.19M176.41M250.13M
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
0000000000
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)
-1000K1000K1000K-1000K1000K1000K1000K1000K1000K-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
220K249K997K3.91M-1.46M3.69M4.57M-12.1M15.8M15.42M
Cash at Beginning
89.95M114.42M71.79M46.53M65.85M120.05M117.33M127.02M175.09M125.2M
Cash at End
114.42M71.79M46.53M65.85M120.05M117.33M127.02M175.09M125.2M130.74M
Interest Paid
24.3M27.12M32.68M21.03M29.46M52.89M90.28M91.18M00
Income Taxes Paid
29.81M29.6M48.87M34.19M24.56M30.07M102.16M85.42M00
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%

FCFS Banking Ratios

FirstCash Holdings, Inc (FCFS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
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
30.8129.3731.2530.8644.0739.7243.6945.6851.1351.94
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%
Related:FCFS Dividend History·FCFS Revenue History·FCFS Price History·FCFS P/E History·FCFS Financial Ratios·FCFS Institutional Holders

FCFS SEC Filings & Documents

FirstCash Holdings, Inc (FCFS) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 24, 2026·SEC

Material company update

Apr 23, 2026·SEC

Material company update

Mar 3, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 9, 2026·SEC

FY 2025

Feb 3, 2025·SEC

FY 2024

Feb 5, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 24, 2026·SEC

FY 2025

Nov 3, 2025·SEC

FY 2025

Jul 28, 2025·SEC

FCFS Frequently Asked Questions

FirstCash Holdings, Inc (FCFS) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

What if you invested $1,000 in FCFS back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →

How much would $100/month in FCFS be worth today?

Dollar cost averaging calculator · DCA vs lump sum

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