FirstCash Holdings, Inc (FCFS) 10-Year Financial Performance & Capital Metrics

FCFS • • Banking & Credit

Financial ServicesCredit ServicesDebt 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 Equity 15.26% +19.4%
Net Interest Margin -2.23% +3.2%
Efficiency Ratio 25.5% -26.7%
ROA 6.76% +14.5%
Equity / Assets 42.95% -6.4%
Book Value per Share 51.13 +11.9%
Tangible BV/Share 0.50 -41.2%
Debt/Equity 0.11 -89.0%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 25.4%
✓Efficient operations: 25.5% efficiency ratio
✓Momentum leader: RS Rating 82 (top 18%)
✓Well capitalized: 43.0% equity/assets
✓Diversified revenue: 99.9% from non-interest income
✓Trading near 52-week high

✗Weaknesses

✗Weak NIM of -2.2%

Price & Volume

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Growth Metrics

Revenue CAGR

10Y17.91%

5Y17.55%

3Y10.29%

TTM-

Profit (Net Income) CAGR

10Y18.46%

5Y25.39%

3Y9.23%

TTM26.5%

EPS CAGR

10Y13.24%

5Y23.72%

3Y11.45%

TTM28.33%

ROCE

10Y Avg10.45%

5Y Avg9.79%

3Y Avg11.3%

Latest12.45%

Peer Comparison

Debt Collection and Collateral Lending

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FCFSFirstCash Holdings, Inc	8.48B	192.79	25.98	8.04%	9.02%	14.08%		0.11
EZPWEZCORP, Inc.	1.64B	26.53	18.68	9.7%	8.6%	11.48%	6.75%	0.75
JCAPJefferson Capital, Inc. Common Stock	1.2B	20.63	11.40	34.12%	24.3%	32.03%	13.47%	3.12
PRAAPRA Group, Inc.	615.56M	15.75	8.80	37.81%	6.28%	-34.88%		2.82
LMFALM Funding America, Inc.	5.78M	0.37	-0.14	77.73%	-66.51%	-15.31%		0.22

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Net Interest Income+	-19.57M	-22.44M	-26.73M	-32.98M	-27.8M	-31.69M	-69.39M	-91.77M	-103.29M	-118.36M
NII Growth %	-27.73%	-14.66%	-19.12%	-23.39%	15.69%	-13.98%	-118.98%	-32.25%	-12.55%	-14.59%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	751K	1.6M	2.44M	1.05M	1.54M	696K	1.31M	1.47M	1.94M	2.94M
Interest Expense	20.32M	24.04M	29.17M	34.03M	29.34M	32.39M	70.71M	93.24M	105.23M	121.29M
Loan Loss Provision	463.25M	808.28M	784.92M	812.06M	690.8M	747.43M	1.39B	1.55B	1.65B	-119.88M
Non-Interest Income+	1.09B	1.78B	1.78B	1.86B	1.63B	1.7B	2.73B	3.15B	3.39B	3.66B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	1.09B	1.78B	1.78B	1.86B	1.63B	1.7B	2.73B	3.15B	3.39B	3.66B
Revenue Growth %	54.47%	63.53%	0.06%	4.69%	-12.51%	4.15%	60.62%	15.5%	7.51%	8.04%
Non-Interest Expense	455.46M	729.9M	726.32M	759.78M	715.19M	722M	980.68M	1.12B	1.18B	933.73M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	149.34M	217.61M	240.44M	258.57M	195.94M	197.16M	283.9M	389.61M	450.41M	562.23M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	31.24%	45.71%	10.49%	7.54%	-24.22%	0.62%	44%	37.24%	15.61%	24.82%
Pretax Income+	93.45M	172.31M	205.31M	224.61M	143.7M	166.5M	323.63M	292.85M	342.78M	447.56M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	33.32M	28.42M	52.1M	59.99M	37.12M	41.59M	70.14M	73.55M	83.96M	117.19M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	60.13M	143.89M	153.21M	164.62M	106.58M	124.91M	253.5M	219.3M	258.81M	330.38M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.96%	139.31%	6.47%	7.45%	-35.26%	17.2%	102.94%	-13.49%	18.02%	27.65%
Net Income (Continuing)	60.13M	143.89M	153.21M	164.62M	106.58M	124.91M	253.5M	219.3M	258.81M	330.38M
EPS (Diluted)+	1.72	3.00	3.41	3.81	2.56	3.04	5.36	4.80	5.73	7.42
EPS Growth %	-19.63%	74.42%	13.67%	11.73%	-32.81%	18.75%	76.32%	-10.45%	19.38%	29.49%
EPS (Basic)	1.72	3.01	3.42	3.83	2.57	3.05	5.37	4.82	5.76	7.35
Diluted Shares Outstanding	35M	47.89M	44.88M	43.21M	41.6M	41.02M	47.33M	45.69M	44.97M	44.53M

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash & Short Term Investments+	89.95M	114.42M	71.79M	46.53M	65.85M	120.05M	117.33M	127.02M	175.09M	125.2M
Cash & Due from Banks	89.95M	114.42M	71.79M	46.53M	65.85M	120.05M	117.33M	127.02M	175.09M	125.2M
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 %	-	-	-	-	-	-	-	-	-	-
Long-Term Investments	0	0	0	0	0	0	0	0	0	0
Accounts Receivables	420.72M	411.01M	424.27M	47.44M	41.11M	55.36M	448.41M	543.77M	73.33M	1.1B
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	831.15M	831.14M	917.42M	948.64M	977.38M	1.54B	1.58B	1.73B	1.79B	2.02B
Intangible Assets	104.47M	93.82M	88.14M	85.88M	83.65M	388.18M	330.34M	277.72M	228.86M	231.14M
PP&E (Net)	236.06M	230.34M	251.65M	640.72M	672.62M	768.59M	845.69M	961.18M	1.04B	1.17B
Other Assets	71.68M	54.05M	49.24M	11.51M	9.82M	8.53M	9.41M	10.24M	9.93M	9.8M
Total Current Assets	892.13M	842.2M	789.89M	740.99M	624.57M	1.13B	1.13B	1.31B	1.4B	1.86B
Total Non-Current Assets	1.25B	1.22B	1.32B	1.7B	1.75B	2.71B	2.77B	2.98B	3.07B	3.44B
Total Assets+	2.15B	2.06B	2.11B	2.44B	2.37B	3.84B	3.9B	4.29B	4.48B	5.3B
Asset Growth %	183.37%	-3.84%	2.19%	15.72%	-2.76%	61.73%	1.78%	9.86%	4.36%	18.4%
Return on Assets (ROA)	4.14%	6.84%	7.35%	7.24%	4.43%	4.02%	6.55%	5.35%	5.9%	6.76%
Accounts Payable	11.66M	4.79M	6.89M	5.87M	7.19M	23.08M	27.42M	26.5M	31.14M	212.62M
Total Debt+	456.55M	402.24M	590.89M	911.54M	899.42M	1.59B	1.67B	1.92B	2.05B	248.93M
Net Debt	366.59M	287.82M	519.09M	865.01M	833.58M	1.47B	1.55B	1.8B	1.87B	123.74M
Long-Term Debt	456.55M	402.24M	590.89M	631.57M	615.92M	1.29B	1.37B	1.61B	1.73B	2.46B
Short-Term Debt	0	0	0	0	0	0	0	0	0	111.29M
Other Liabilities	33.77M	17.6M	11.08M	0	0	13.95M	0	136.77M	0	-248.93M
Total Current Liabilities	143.63M	120.57M	133.04M	202.9M	206.41M	392.21M	295.53M	335.59M	339.4M	407.81M
Total Non-Current Liabilities	551.59M	466.88M	656.83M	886.5M	881.98M	1.64B	1.73B	1.96B	2.08B	2.62B
Total Liabilities	695.22M	587.45M	789.87M	1.09B	1.09B	2.03B	2.03B	2.29B	2.42B	3.02B
Total Equity+	1.45B	1.48B	1.32B	1.35B	1.28B	1.81B	1.88B	2B	2.05B	2.28B
Equity Growth %	236.13%	1.75%	-10.66%	2.42%	-4.91%	40.84%	3.96%	6.21%	2.89%	10.84%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	6.39%	9.84%	10.97%	12.34%	8.09%	8.08%	13.75%	11.32%	12.78%	15.26%
Book Value per Share	41.42	30.81	29.37	31.25	30.86	44.07	39.72	43.69	45.68	51.13
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	493K	493K	493K	493K	493K	573K	573K	573K	575K	575K
Additional Paid-in Capital	1.22B	1.22B	1.22B	1.23B	1.22B	1.72B	1.73B	1.74B	1.77B	1.77B
Retained Earnings	387.4M	494.46M	606.81M	727.48M	789.3M	866.68M	1.06B	1.22B	1.41B	1.67B
Accumulated OCI	-119.81M	-111.88M	-113.12M	-96.97M	-118.43M	-131.3M	-106.57M	-43.04M	-129.6M	-64.83M
Treasury Stock	-36.07M	-128.1M	-400.69M	-512.49M	-609.34M	-652.78M	-809.37M	-920.19M	-995.47M	-1.1B
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from Operations+	96.85M	220.36M	243.43M	231.6M	222.26M	223.3M	469.31M	416.14M	539.96M	0
Operating CF Growth %	4.43%	127.51%	10.47%	-4.86%	-4.03%	0.47%	110.16%	-11.33%	29.75%	-100%
Net Income	60.13M	143.89M	153.21M	164.62M	106.58M	124.91M	253.5M	219.3M	258.81M	0
Depreciation & Amortization	31.86M	55.23M	42.7M	41.9M	42.1M	58.73M	457.33M	520.62M	0	0
Deferred Taxes	11.91M	-14.5M	7.43M	7.01M	14.48M	10.72M	42.49M	-13.1M	-7.42M	0
Other Non-Cash Items	5.87M	27.7M	12.84M	3.83M	23.05M	40.27M	197.52M	284.18M	827.51M	0
Working Capital Changes	-17.09M	4.96M	21.47M	5.56M	33.14M	-16.48M	-492.38M	-608.53M	-538.95M	0
Cash from Investing+	-25.97M	1.4M	-159.25M	-137.05M	-20.35M	-744.64M	-336.44M	-462.33M	-441.59M	0
Purchase of Investments	0	0	0	0	0	0	0	0	0	0
Sale/Maturity of Investments	1000K	0	0	0	0	0	0	0	0	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-38.12M	-2.2M	-113.7M	-52.49M	-44.31M	-543.92M	-96.78M	-181.31M	-75.96M	0
Other Investing	-29.48M	29.57M	-9.87M	-40.26M	61.51M	-158.69M	-204.07M	-220.87M	-297.38M	0
Cash from Financing+	-58.71M	-197.51M	-127.06M	-120.81M	-186.5M	576.99M	-139.27M	51.31M	-38.19M	0
Dividends Paid	-19.81M	-36.84M	-40.85M	-43.95M	-44.75M	-47.53M	-59.57M	-61.88M	-65.76M	0
Share Repurchases	0	-91.74M	-273.66M	-116.11M	-106.97M	-49.61M	-157.86M	-114.38M	-85M	0
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	1000K	-1000K	1000K	1000K	1000K	1000K	0
Other Financing	-2.37M	-5.04M	-548K	-749K	-10.49M	-11.86M	-1.84M	-2.74M	-17.43M	0
Net Change in Cash+	3M	24.47M	-42.63M	-25.27M	19.32M	54.2M	-2.72M	9.69M	48.08M	0
Exchange Rate Effect	-1000K	220K	249K	997K	1000K	-1000K	1000K	1000K	-1000K	0
Cash at Beginning	86.95M	89.95M	114.42M	71.79M	46.53M	65.85M	120.05M	117.33M	127.02M	0
Cash at End	89.95M	114.42M	71.79M	46.53M	65.85M	120.05M	117.33M	127.02M	175.09M	0
Interest Paid	18.66M	24.3M	27.12M	32.68M	21.03M	29.46M	52.89M	90.28M	91.18M	0
Income Taxes Paid	21.54M	29.81M	29.6M	48.87M	34.19M	24.56M	30.07M	102.16M	85.42M	0
Free Cash Flow+	76.4M	194.39M	207.75M	187.28M	184.72M	181.28M	433.72M	355.99M	471.71M	0
FCF Growth %	6.59%	154.44%	6.88%	-9.85%	-1.37%	-1.86%	139.25%	-17.92%	32.51%	-100%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	6.39%	9.84%	10.97%	12.34%	8.09%	8.08%	13.75%	11.32%	12.78%	15.26%
Return on Assets (ROA)	4.14%	6.84%	7.35%	7.24%	4.43%	4.02%	6.55%	5.35%	5.9%	6.76%
Net Interest Margin	-0.91%	-1.09%	-1.27%	-1.35%	-1.17%	-0.83%	-1.78%	-2.14%	-2.31%	-2.23%
Efficiency Ratio	41.85%	41.01%	40.79%	40.75%	43.84%	42.5%	35.94%	35.46%	34.8%	25.5%
Equity / Assets	67.59%	71.52%	62.53%	55.34%	54.12%	47.13%	48.14%	46.54%	45.88%	42.95%
Book Value / Share	41.42	30.81	29.37	31.25	30.86	44.07	39.72	43.69	45.68	51.13
NII Growth	-27.73%	-14.66%	-19.12%	-23.39%	15.69%	-13.98%	-118.98%	-32.25%	-12.55%	-14.59%
Dividend Payout	32.94%	25.6%	26.67%	26.7%	41.99%	38.05%	23.5%	28.21%	25.41%	-

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FirstCash Holdings, Inc (FCFS) 10-Year Financial Performance & Capital Metrics

FCFS • • Banking & Credit

Financial ServicesCredit ServicesDebt Collection and Collateral Lending

Net Interest Income -$118M -14.6%
Total Revenue $3.66B +8.0%
Net Income $330M +27.6%
Return on Equity 15.26% +19.4%
Net Interest Margin -2.23% +3.2%
Efficiency Ratio 25.5% -26.7%
ROA 6.76% +14.5%
Equity / Assets 42.95% -6.4%
Book Value per Share 51.13 +11.9%
Tangible BV/Share 0.50 -41.2%
Debt/Equity 0.11 -89.0%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 25.4%
✓Efficient operations: 25.5% efficiency ratio
✓Momentum leader: RS Rating 82 (top 18%)
✓Well capitalized: 43.0% equity/assets
✓Diversified revenue: 99.9% from non-interest income
✓Trading near 52-week high

✗Weaknesses

✗Weak NIM of -2.2%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y17.91%

5Y17.55%

3Y10.29%

TTM-

Profit (Net Income) CAGR

10Y18.46%

5Y25.39%

3Y9.23%

TTM26.5%

EPS CAGR

10Y13.24%

5Y23.72%

3Y11.45%

TTM28.33%

ROCE

10Y Avg10.45%

5Y Avg9.79%

3Y Avg11.3%

Latest12.45%

Peer Comparison

Debt Collection and Collateral Lending

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FCFSFirstCash Holdings, Inc	8.48B	192.79	25.98	8.04%	9.02%	14.08%		0.11
EZPWEZCORP, Inc.	1.64B	26.53	18.68	9.7%	8.6%	11.48%	6.75%	0.75
JCAPJefferson Capital, Inc. Common Stock	1.2B	20.63	11.40	34.12%	24.3%	32.03%	13.47%	3.12
PRAAPRA Group, Inc.	615.56M	15.75	8.80	37.81%	6.28%	-34.88%		2.82
LMFALM Funding America, Inc.	5.78M	0.37	-0.14	77.73%	-66.51%	-15.31%		0.22

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Net Interest Income+	-19.57M	-22.44M	-26.73M	-32.98M	-27.8M	-31.69M	-69.39M	-91.77M	-103.29M	-118.36M
NII Growth %	-27.73%	-14.66%	-19.12%	-23.39%	15.69%	-13.98%	-118.98%	-32.25%	-12.55%	-14.59%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	751K	1.6M	2.44M	1.05M	1.54M	696K	1.31M	1.47M	1.94M	2.94M
Interest Expense	20.32M	24.04M	29.17M	34.03M	29.34M	32.39M	70.71M	93.24M	105.23M	121.29M
Loan Loss Provision	463.25M	808.28M	784.92M	812.06M	690.8M	747.43M	1.39B	1.55B	1.65B	-119.88M
Non-Interest Income+	1.09B	1.78B	1.78B	1.86B	1.63B	1.7B	2.73B	3.15B	3.39B	3.66B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	1.09B	1.78B	1.78B	1.86B	1.63B	1.7B	2.73B	3.15B	3.39B	3.66B
Revenue Growth %	54.47%	63.53%	0.06%	4.69%	-12.51%	4.15%	60.62%	15.5%	7.51%	8.04%
Non-Interest Expense	455.46M	729.9M	726.32M	759.78M	715.19M	722M	980.68M	1.12B	1.18B	933.73M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	149.34M	217.61M	240.44M	258.57M	195.94M	197.16M	283.9M	389.61M	450.41M	562.23M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	31.24%	45.71%	10.49%	7.54%	-24.22%	0.62%	44%	37.24%	15.61%	24.82%
Pretax Income+	93.45M	172.31M	205.31M	224.61M	143.7M	166.5M	323.63M	292.85M	342.78M	447.56M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	33.32M	28.42M	52.1M	59.99M	37.12M	41.59M	70.14M	73.55M	83.96M	117.19M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	60.13M	143.89M	153.21M	164.62M	106.58M	124.91M	253.5M	219.3M	258.81M	330.38M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.96%	139.31%	6.47%	7.45%	-35.26%	17.2%	102.94%	-13.49%	18.02%	27.65%
Net Income (Continuing)	60.13M	143.89M	153.21M	164.62M	106.58M	124.91M	253.5M	219.3M	258.81M	330.38M
EPS (Diluted)+	1.72	3.00	3.41	3.81	2.56	3.04	5.36	4.80	5.73	7.42
EPS Growth %	-19.63%	74.42%	13.67%	11.73%	-32.81%	18.75%	76.32%	-10.45%	19.38%	29.49%
EPS (Basic)	1.72	3.01	3.42	3.83	2.57	3.05	5.37	4.82	5.76	7.35
Diluted Shares Outstanding	35M	47.89M	44.88M	43.21M	41.6M	41.02M	47.33M	45.69M	44.97M	44.53M

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash & Short Term Investments+	89.95M	114.42M	71.79M	46.53M	65.85M	120.05M	117.33M	127.02M	175.09M	125.2M
Cash & Due from Banks	89.95M	114.42M	71.79M	46.53M	65.85M	120.05M	117.33M	127.02M	175.09M	125.2M
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 %	-	-	-	-	-	-	-	-	-	-
Long-Term Investments	0	0	0	0	0	0	0	0	0	0
Accounts Receivables	420.72M	411.01M	424.27M	47.44M	41.11M	55.36M	448.41M	543.77M	73.33M	1.1B
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	831.15M	831.14M	917.42M	948.64M	977.38M	1.54B	1.58B	1.73B	1.79B	2.02B
Intangible Assets	104.47M	93.82M	88.14M	85.88M	83.65M	388.18M	330.34M	277.72M	228.86M	231.14M
PP&E (Net)	236.06M	230.34M	251.65M	640.72M	672.62M	768.59M	845.69M	961.18M	1.04B	1.17B
Other Assets	71.68M	54.05M	49.24M	11.51M	9.82M	8.53M	9.41M	10.24M	9.93M	9.8M
Total Current Assets	892.13M	842.2M	789.89M	740.99M	624.57M	1.13B	1.13B	1.31B	1.4B	1.86B
Total Non-Current Assets	1.25B	1.22B	1.32B	1.7B	1.75B	2.71B	2.77B	2.98B	3.07B	3.44B
Total Assets+	2.15B	2.06B	2.11B	2.44B	2.37B	3.84B	3.9B	4.29B	4.48B	5.3B
Asset Growth %	183.37%	-3.84%	2.19%	15.72%	-2.76%	61.73%	1.78%	9.86%	4.36%	18.4%
Return on Assets (ROA)	4.14%	6.84%	7.35%	7.24%	4.43%	4.02%	6.55%	5.35%	5.9%	6.76%
Accounts Payable	11.66M	4.79M	6.89M	5.87M	7.19M	23.08M	27.42M	26.5M	31.14M	212.62M
Total Debt+	456.55M	402.24M	590.89M	911.54M	899.42M	1.59B	1.67B	1.92B	2.05B	248.93M
Net Debt	366.59M	287.82M	519.09M	865.01M	833.58M	1.47B	1.55B	1.8B	1.87B	123.74M
Long-Term Debt	456.55M	402.24M	590.89M	631.57M	615.92M	1.29B	1.37B	1.61B	1.73B	2.46B
Short-Term Debt	0	0	0	0	0	0	0	0	0	111.29M
Other Liabilities	33.77M	17.6M	11.08M	0	0	13.95M	0	136.77M	0	-248.93M
Total Current Liabilities	143.63M	120.57M	133.04M	202.9M	206.41M	392.21M	295.53M	335.59M	339.4M	407.81M
Total Non-Current Liabilities	551.59M	466.88M	656.83M	886.5M	881.98M	1.64B	1.73B	1.96B	2.08B	2.62B
Total Liabilities	695.22M	587.45M	789.87M	1.09B	1.09B	2.03B	2.03B	2.29B	2.42B	3.02B
Total Equity+	1.45B	1.48B	1.32B	1.35B	1.28B	1.81B	1.88B	2B	2.05B	2.28B
Equity Growth %	236.13%	1.75%	-10.66%	2.42%	-4.91%	40.84%	3.96%	6.21%	2.89%	10.84%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	6.39%	9.84%	10.97%	12.34%	8.09%	8.08%	13.75%	11.32%	12.78%	15.26%
Book Value per Share	41.42	30.81	29.37	31.25	30.86	44.07	39.72	43.69	45.68	51.13
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	493K	493K	493K	493K	493K	573K	573K	573K	575K	575K
Additional Paid-in Capital	1.22B	1.22B	1.22B	1.23B	1.22B	1.72B	1.73B	1.74B	1.77B	1.77B
Retained Earnings	387.4M	494.46M	606.81M	727.48M	789.3M	866.68M	1.06B	1.22B	1.41B	1.67B
Accumulated OCI	-119.81M	-111.88M	-113.12M	-96.97M	-118.43M	-131.3M	-106.57M	-43.04M	-129.6M	-64.83M
Treasury Stock	-36.07M	-128.1M	-400.69M	-512.49M	-609.34M	-652.78M	-809.37M	-920.19M	-995.47M	-1.1B
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from Operations+	96.85M	220.36M	243.43M	231.6M	222.26M	223.3M	469.31M	416.14M	539.96M	0
Operating CF Growth %	4.43%	127.51%	10.47%	-4.86%	-4.03%	0.47%	110.16%	-11.33%	29.75%	-100%
Net Income	60.13M	143.89M	153.21M	164.62M	106.58M	124.91M	253.5M	219.3M	258.81M	0
Depreciation & Amortization	31.86M	55.23M	42.7M	41.9M	42.1M	58.73M	457.33M	520.62M	0	0
Deferred Taxes	11.91M	-14.5M	7.43M	7.01M	14.48M	10.72M	42.49M	-13.1M	-7.42M	0
Other Non-Cash Items	5.87M	27.7M	12.84M	3.83M	23.05M	40.27M	197.52M	284.18M	827.51M	0
Working Capital Changes	-17.09M	4.96M	21.47M	5.56M	33.14M	-16.48M	-492.38M	-608.53M	-538.95M	0
Cash from Investing+	-25.97M	1.4M	-159.25M	-137.05M	-20.35M	-744.64M	-336.44M	-462.33M	-441.59M	0
Purchase of Investments	0	0	0	0	0	0	0	0	0	0
Sale/Maturity of Investments	1000K	0	0	0	0	0	0	0	0	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-38.12M	-2.2M	-113.7M	-52.49M	-44.31M	-543.92M	-96.78M	-181.31M	-75.96M	0
Other Investing	-29.48M	29.57M	-9.87M	-40.26M	61.51M	-158.69M	-204.07M	-220.87M	-297.38M	0
Cash from Financing+	-58.71M	-197.51M	-127.06M	-120.81M	-186.5M	576.99M	-139.27M	51.31M	-38.19M	0
Dividends Paid	-19.81M	-36.84M	-40.85M	-43.95M	-44.75M	-47.53M	-59.57M	-61.88M	-65.76M	0
Share Repurchases	0	-91.74M	-273.66M	-116.11M	-106.97M	-49.61M	-157.86M	-114.38M	-85M	0
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	1000K	-1000K	1000K	1000K	1000K	1000K	0
Other Financing	-2.37M	-5.04M	-548K	-749K	-10.49M	-11.86M	-1.84M	-2.74M	-17.43M	0
Net Change in Cash+	3M	24.47M	-42.63M	-25.27M	19.32M	54.2M	-2.72M	9.69M	48.08M	0
Exchange Rate Effect	-1000K	220K	249K	997K	1000K	-1000K	1000K	1000K	-1000K	0
Cash at Beginning	86.95M	89.95M	114.42M	71.79M	46.53M	65.85M	120.05M	117.33M	127.02M	0
Cash at End	89.95M	114.42M	71.79M	46.53M	65.85M	120.05M	117.33M	127.02M	175.09M	0
Interest Paid	18.66M	24.3M	27.12M	32.68M	21.03M	29.46M	52.89M	90.28M	91.18M	0
Income Taxes Paid	21.54M	29.81M	29.6M	48.87M	34.19M	24.56M	30.07M	102.16M	85.42M	0
Free Cash Flow+	76.4M	194.39M	207.75M	187.28M	184.72M	181.28M	433.72M	355.99M	471.71M	0
FCF Growth %	6.59%	154.44%	6.88%	-9.85%	-1.37%	-1.86%	139.25%	-17.92%	32.51%	-100%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	6.39%	9.84%	10.97%	12.34%	8.09%	8.08%	13.75%	11.32%	12.78%	15.26%
Return on Assets (ROA)	4.14%	6.84%	7.35%	7.24%	4.43%	4.02%	6.55%	5.35%	5.9%	6.76%
Net Interest Margin	-0.91%	-1.09%	-1.27%	-1.35%	-1.17%	-0.83%	-1.78%	-2.14%	-2.31%	-2.23%
Efficiency Ratio	41.85%	41.01%	40.79%	40.75%	43.84%	42.5%	35.94%	35.46%	34.8%	25.5%
Equity / Assets	67.59%	71.52%	62.53%	55.34%	54.12%	47.13%	48.14%	46.54%	45.88%	42.95%
Book Value / Share	41.42	30.81	29.37	31.25	30.86	44.07	39.72	43.69	45.68	51.13
NII Growth	-27.73%	-14.66%	-19.12%	-23.39%	15.69%	-13.98%	-118.98%	-32.25%	-12.55%	-14.59%
Dividend Payout	32.94%	25.6%	26.67%	26.7%	41.99%	38.05%	23.5%	28.21%	25.41%	-

FirstCash Holdings, Inc (FCFS) 10-Year Financial Performance & Capital Metrics

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FirstCash Holdings, Inc (FCFS) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare FCFS vs Peers

vs EZPW

vs JCAP

Compare Top 5

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Deep Dive Analysis

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