Last 47 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
FirstCash Holdings, Inc's quarterly P/E stands at 21.3x, up 6.8% year-over-year. EV/EBITDA has expanded 29.0% YoY to 9.4x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 25.98 | 21.29 | 25.21 | 16.09 | 13.92 | 19.93 | 24.28 | 23.62 | 17.71 | 19.92 | 23.57 | 23.38 | 12.63 |
| — | +6.8% | +3.9% | -31.9% | -21.4% | +0.1% | +3.0% | +1.0% | +40.2% | +36.9% | +145.5% | -22.9% | -58.8% | |
| P/S Ratio | 2.32 | 1.90 | 1.83 | 1.62 | 1.32 | 1.54 | 1.43 | 1.73 | 1.44 | 1.45 | 1.42 | 1.45 | 1.35 |
| — | +23.5% | +28.0% | -6.5% | -8.8% | +6.4% | +0.6% | +19.5% | +7.1% | +12.9% | +11.4% | +12.5% | -25.3% | |
| P/B Ratio | 3.77 | 3.24 | 2.84 | 2.63 | 2.27 | 2.58 | 2.40 | 2.83 | 2.47 | 2.38 | 2.25 | 2.36 | 2.15 |
| — | +25.4% | +18.3% | -7.1% | -8.0% | +8.7% | +6.8% | +19.9% | +14.7% | +24.3% | +23.8% | +22.6% | +7.2% | |
| P/FCF | — | 14.33 | 14.62 | 11.89 | 6.26 | 12.94 | 14.81 | 15.06 | 14.37 | 12.24 | 13.23 | 11.41 | 7.35 |
| — | +10.8% | -1.3% | -21.0% | -56.4% | +5.7% | +11.9% | +32.0% | +95.5% | +26.5% | +50.6% | +52.0% | -39.2% | |
| EV / EBITDA | 8.66 | 9.41 | 15.26 | 7.30 | 6.25 | 7.30 | 7.16 | 7.45 | 6.65 | 6.75 | 6.97 | 7.04 | 6.56 |
| — | +29.0% | +113.1% | -2.0% | -6.1% | +8.1% | +2.7% | +5.8% | +1.3% | +1.0% | -3.4% | +1.9% | -64.6% | |
| EV / EBIT | 15.30 | 16.54 | 18.62 | 13.15 | 11.95 | 15.79 | 18.15 | 17.49 | 14.23 | 15.56 | 17.97 | 17.71 | 11.51 |
| — | +4.8% | +2.6% | -24.8% | -16.0% | +1.5% | +1.0% | -1.2% | +23.6% | +16.4% | +88.9% | -21.9% | -57.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
FirstCash Holdings, Inc's operating margin was 16.0% in Q3 2025, up 3.3 pp QoQ and up 2.5 pp YoY. Gross margin contracted 7.3% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 100.0% | 50.6% | 49.7% | 50.7% | 49.1% | 54.6% | 44.4% | 44.2% | 49.0% | 49.4% | 47.0% | 45.6% | 46.6% |
| — | -7.3% | +12.0% | +14.7% | +0.1% | +10.5% | -5.6% | -3.1% | +5.2% | +2.8% | +1.2% | +3.4% | +2.4% | |
| Operating Margin | 15.4% | 16.0% | 12.7% | 16.2% | 15.5% | 13.5% | 11.4% | 12.6% | 14.2% | 13.3% | 10.8% | 10.9% | 12.8% |
| — | +18.4% | +10.9% | +28.4% | +8.9% | +1.2% | +6.2% | +16.2% | +10.9% | +19.6% | +21.4% | +29.2% | +51.0% | |
| Net Margin | 9.0% | 8.9% | 7.2% | 10.0% | 9.5% | 7.7% | 5.9% | 7.3% | 8.2% | 7.3% | 6.0% | 6.2% | 10.7% |
| — | +14.3% | +21.9% | +36.2% | +15.8% | +6.5% | -1.9% | +18.1% | -23.6% | -17.6% | -54.7% | +46.4% | +82.5% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 15.3% | 3.8% | 2.8% | 4.1% | 4.1% | 3.3% | 2.4% | 3.0% | 3.6% | 3.0% | 2.4% | 2.5% | 4.3% |
| — | +17.1% | +16.8% | +33.9% | +15.9% | +8.8% | +1.7% | +20.2% | -18.2% | -8.5% | -50.1% | +61.2% | +129.5% | |
| ROA | 6.8% | 1.7% | 1.3% | 1.9% | 1.9% | 1.5% | 1.1% | 1.4% | 1.6% | 1.4% | 1.2% | 1.2% | 2.1% |
| — | +14.8% | +16.8% | +30.6% | +14.6% | +5.9% | -0.8% | +17.9% | -20.3% | -9.3% | -49.5% | +65.0% | +123.6% | |
| ROIC | 12.7% | 2.5% | 1.9% | 2.5% | 2.5% | 2.1% | 1.8% | 2.0% | 2.4% | 2.1% | 1.7% | 1.8% | 2.1% |
| — | +18.8% | +5.8% | +22.5% | +7.1% | -0.4% | +6.2% | +15.1% | +14.4% | +29.8% | +33.0% | +41.7% | +83.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
FirstCash Holdings, Inc's Debt/EBITDA ratio is 10.1x, down from 15.4x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 15.8% YoY to 4.99x, strengthening the short-term liquidity position.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.11 | 1.17 | 0.95 | 0.99 | 1.00 | 1.03 | 1.01 | 0.91 | 0.96 | 0.99 | 0.90 | 0.88 | 0.89 |
| — | +14.1% | -6.4% | +8.9% | +3.6% | +3.8% | +12.2% | +3.3% | +8.4% | +7.6% | +2.3% | +0.3% | +1.3% | |
| Debt / EBITDA | 0.25 | 10.14 | 15.43 | 8.13 | 7.84 | 8.43 | 8.62 | 7.36 | 7.61 | 8.05 | 8.11 | 7.76 | 7.84 |
| — | +20.3% | +79.0% | +10.5% | +3.0% | +4.7% | +6.3% | -5.1% | -2.8% | -9.2% | -15.8% | -12.2% | -66.1% | |
| Current Ratio | 4.55 | 4.99 | 4.21 | 4.39 | 4.14 | 4.31 | 4.03 | 3.99 | 3.89 | 3.89 | 3.66 | 3.50 | 3.83 |
| — | +15.8% | +4.3% | +10.1% | +6.2% | +10.8% | +10.1% | +14.0% | +1.8% | +12.6% | +18.8% | +30.4% | +32.9% | |
| Quick Ratio | 4.55 | 4.99 | 4.21 | 4.39 | 4.14 | 4.31 | 4.03 | 3.99 | 3.89 | 3.89 | 3.66 | 3.50 | 3.83 |
| — | +15.8% | +4.3% | +10.1% | +6.2% | +10.8% | +10.1% | +14.0% | +1.8% | +12.6% | +18.8% | +30.4% | +32.9% | |
| Interest Coverage | 4.64 | 4.63 | 3.99 | 4.94 | 5.04 | 4.11 | 3.77 | 4.16 | 4.56 | 4.24 | 3.83 | 3.97 | 4.82 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Start ComparisonFirstCash Holdings, Inc's current P/E is 26.0x. The average P/E over the last 4 quarters is 19.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
FirstCash Holdings, Inc's current operating margin is 15.4%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking FirstCash Holdings, Inc's business trajectory between earnings reports.