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FCFS logoFirstCash Holdings, Inc(FCFS)Earnings, Financials & Key Ratios

FCFS•NASDAQ•Banking & Credit
$226.38
$9.99B mkt cap·30.5× P/E·Price updated May 6, 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%
  • Tangible BV/Share0.50-41.2%
  • Debt/Equity1.24+24.0%
Analysis→Technical→

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 84 (top 16%)
  • ✓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.

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
EPS
$2.69
Est $2.33
+15.5%
Revenue
$1.1B
Est $1.0B
+4.8%
Q1 2026
Feb 5, 2026
EPS
$2.64
Est $2.54
+3.9%
Revenue
$1.1B
Est $1.0B
+3.5%
Q4 2025
Oct 30, 2025
EPS
$2.26
Est $1.94
+16.5%
Revenue
$936M
Est $861M
+8.7%
Q3 2025
Jul 24, 2025
EPS
$1.79
Est $1.66
+7.8%
Revenue
$831M
Est $820M
+1.2%
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
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
EZPW logoEZPWEZCORP, Inc.Direct Competitor1.96B33.4423.559.7%12.48%0.75
WRLD logoWRLDWorld Acceptance CorporationProduct Competitor751.13M149.099.15-1.46%10.79%1.20
RM logoRMRegional Management Corp.Product Competitor328.61M34.977.869.7%13.16%4.65
ENVA logoENVAEnova International, Inc.Product Competitor4.3B172.5714.9018.58%24.88%3.41
V logoVVisa Inc.Supply Chain611.6B318.8031.2511.34%58.9%0.66
MA logoMAMastercard IncorporatedSupply Chain435.43B491.8929.7816.42%205.79%2.45
WU logoWUThe Western Union CompanySupply Chain2.82B8.995.87-4%47.95%
EVTC logoEVTCEVERTEC, Inc.Supply Chain1.74B28.1612.8010.21%9.6%11.07%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
Line itemDec'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 Income1.6M2.44M1.05M1.54M696K1.31M1.47M1.94M2.94M1.48M
Interest Expense24.04M29.17M34.03M29.34M32.39M70.71M93.24M105.23M121.29M128.35M
Loan Loss Provision808.28M784.92M812.06M690.8M747.43M1.39B1.55B1.65B1.65B1.82B
Non-Interest Income1.78B1.78B1.86B1.63B1.7B2.73B3.15B3.39B3.66B3.87B
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 Expense729.9M726.32M759.78M715.19M722M980.68M1.12B1.18B1.33B1.32B
Efficiency Ratio41.01%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 Tax28.42M52.1M59.99M37.12M41.59M70.14M73.55M83.96M117.19M126.99M
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 Outstanding47.89M44.88M43.21M41.6M41.02M47.33M45.69M44.97M44.53M44.25M

FCFS Balance Sheet

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments114.42M71.79M46.53M65.85M120.05M117.33M127.02M175.09M125.2M487.64M
Cash & Due from Banks114.42M71.79M46.53M65.85M120.05M117.33M127.02M175.09M125.2M130.74M
Short Term Investments0000000000
Total Investments0000000000
Investments Growth %---------0%
Long-Term Investments0000000000
Accounts Receivables411.01M424.27M47.44M41.11M55.36M448.41M543.77M73.33M1.1B0
Goodwill & Intangibles924.96M1.01B1.03B1.06B1.92B1.91B2.01B2.02B2.25B2.24B
Goodwill831.14M917.42M948.64M977.38M1.54B1.58B1.73B1.79B2.02B2.02B
Intangible Assets93.82M88.14M85.88M83.65M388.18M330.34M277.72M228.86M231.14M214.99M
PP&E (Net)230.34M251.65M640.72M672.62M768.59M845.69M961.18M1.04B1.17B1.2B
Other Assets54.05M49.24M11.51M9.82M8.53M9.41M10.24M9.93M9.8M9.76M
Total Current Assets842.2M789.89M740.99M624.57M1.13B1.13B1.31B1.4B1.86B1.91B
Total Non-Current Assets1.22B1.32B1.7B1.75B2.71B2.77B2.98B3.07B3.44B3.46B
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 Payable4.79M6.89M5.87M7.19M23.08M27.42M26.5M31.14M26.52M206.83M
Total Debt402.24M590.89M911.54M899.42M1.59B1.67B1.92B2.05B2.82B251.97M
Net Debt287.82M519.09M865.01M833.58M1.47B1.55B1.8B1.87B2.69B121.24M
Long-Term Debt402.24M590.89M631.57M615.92M1.29B1.37B1.61B1.73B2.46B251.97M
Short-Term Debt00000000111.29M0
Other Liabilities17.6M11.08M0013.95M0136.77M0-248.93M2.25B
Total Current Liabilities120.57M133.04M202.9M206.41M392.21M295.53M335.59M339.4M407.81M399.67M
Total Non-Current Liabilities466.88M656.83M886.5M881.98M1.64B1.73B1.96B2.08B2.62B2.66B
Total Liabilities587.45M789.87M1.09B1.09B2.03B2.03B2.29B2.42B3.02B3.06B
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 Share30.8129.3731.2530.8644.0739.7243.6945.6851.1351.94
Tangible BV per Share11.496.967.305.36-2.83-0.68-0.200.850.501.41
Common Stock493K493K493K493K573K573K573K575K575K575K
Additional Paid-in Capital1.22B1.22B1.23B1.22B1.72B1.73B1.74B1.77B1.77B0
Retained Earnings494.46M606.81M727.48M789.3M866.68M1.06B1.22B1.41B1.67B1.76B
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 Stock0000000000

FCFS Cash Flow Statement

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations220.36M243.43M231.6M222.26M223.3M469.31M416.14M539.96M585.94M585.94M
Operating CF Growth %127.51%10.47%-4.86%-4.03%0.47%110.16%-11.33%29.75%8.52%55.73%
Net Income143.89M153.21M164.62M106.58M124.91M253.5M219.3M258.81M0354.49M
Depreciation & Amortization55.23M42.7M41.9M42.1M58.73M457.33M520.62M00221.95M
Deferred Taxes-14.5M7.43M7.01M14.48M10.72M42.49M-13.1M-7.42M019.99M
Other Non-Cash Items27.7M12.84M3.83M23.05M40.27M197.52M284.18M827.51M1.02B469.31M
Working Capital Changes4.96M21.47M5.56M33.14M-16.48M-492.38M-608.53M-538.95M-434.14M-305.54M
Cash from Investing1.4M-159.25M-137.05M-20.35M-744.64M-336.44M-462.33M-441.59M-828.04M-893.77M
Purchase of Investments0000000000
Sale/Maturity of Investments0000000000
Net Investment Activity0000000000
Acquisitions-2.2M-113.7M-52.49M-44.31M-543.92M-96.78M-181.31M-75.96M0-344M
Other Investing29.57M-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 Issued0000000000
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 Effect220K249K997K3.91M-1.46M3.69M4.57M-12.1M15.8M15.42M
Cash at Beginning89.95M114.42M71.79M46.53M65.85M120.05M117.33M127.02M175.09M125.2M
Cash at End114.42M71.79M46.53M65.85M120.05M117.33M127.02M175.09M125.2M130.74M
Interest Paid24.3M27.12M32.68M21.03M29.46M52.89M90.28M91.18M00
Income Taxes Paid29.81M29.6M48.87M34.19M24.56M30.07M102.16M85.42M00
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 Ratio41.01%40.79%40.75%43.84%42.5%35.94%35.46%34.8%36.31%34.18%
Equity / Assets71.52%62.53%55.34%54.12%47.13%48.14%46.54%45.88%42.95%42.86%
Book Value / Share30.8129.3731.2530.8644.0739.7243.6945.6851.1351.94
NII Growth-14.66%-19.12%-23.39%15.69%-13.98%-118.98%-32.25%-12.55%-14.59%-20.78%
Dividend Payout25.6%26.67%26.7%41.99%38.05%23.5%28.21%25.41%21.45%15.21%

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.

Explore More FCFS

FirstCash Holdings, Inc (FCFS) financial analysis — history, returns, DCA and operating performance tools

Full FCFS Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

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Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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