Last 48 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 20.21 | 22.66 | 25.51 | 19.34 | 16.96 | 21.29 | 25.21 | 16.09 | 13.92 | 19.93 | 24.28 | 23.62 | 17.71 | 19.92 | 23.57 | 23.38 | 12.63 | 14.55 | 9.60 | 30.32 | 30.66 |
| — | +6.4% | +1.2% | +20.2% | +21.8% | +6.8% | +3.9% | -31.9% | -21.4% | +0.1% | +3.0% | +1.0% | +40.2% | +36.9% | +145.5% | -22.9% | -58.8% | -45.4% | -64.8% | +51.4% | +38.3% | |
| P/S Ratio | 1.94 | 2.20 | 2.30 | 2.04 | 1.73 | 1.97 | 1.89 | 1.67 | 1.36 | 1.59 | 1.47 | 1.78 | 1.49 | 1.50 | 1.46 | 1.49 | 1.39 | 1.32 | 1.31 | 1.32 | 1.84 |
| — | +11.4% | +21.9% | +22.3% | +26.9% | +23.7% | +28.2% | -6.3% | -8.8% | +6.6% | +0.9% | +19.9% | +7.6% | +13.4% | +11.7% | +12.8% | -24.8% | -41.7% | -35.9% | -21.5% | -2.0% | |
| P/B Ratio | 3.63 | 4.11 | 4.12 | 3.62 | 3.10 | 3.24 | 2.84 | 2.63 | 2.27 | 2.58 | 2.40 | 2.83 | 2.47 | 2.38 | 2.25 | 2.36 | 2.15 | 1.91 | 1.82 | 1.93 | 2.01 |
| — | +26.9% | +45.2% | +37.7% | +36.7% | +25.4% | +18.3% | -7.1% | -8.0% | +8.7% | +6.8% | +19.9% | +14.7% | +24.3% | +23.8% | +22.6% | +7.2% | -30.3% | -24.8% | -7.8% | -11.0% | |
| P/FCF | 13.51 | 18.86 | 16.02 | 15.58 | 9.33 | 14.33 | 14.62 | 11.89 | 6.26 | 12.94 | 14.81 | 15.06 | 14.37 | 12.24 | 13.23 | 11.41 | 7.35 | 9.68 | 8.78 | 7.51 | 12.08 |
| — | +31.6% | +9.6% | +31.0% | +49.0% | +10.8% | -1.3% | -21.0% | -56.4% | +5.7% | +11.9% | +32.0% | +95.5% | +26.5% | +50.6% | +52.0% | -39.2% | -85.2% | -62.8% | -33.5% | -41.2% | |
| EV / EBITDA | 10.31 | 14.65 | 11.17 | 9.37 | 8.72 | 9.41 | 9.31 | 7.30 | 6.25 | 7.30 | 7.16 | 7.45 | 6.65 | 6.75 | 6.97 | 7.04 | 6.56 | 6.69 | 7.22 | 6.91 | 18.54 |
| — | +55.7% | +20.1% | +28.3% | +39.6% | +29.0% | +30.0% | -2.0% | -6.1% | +8.1% | +2.7% | +5.8% | +1.3% | +1.0% | -3.4% | +1.9% | -64.6% | -62.0% | -58.5% | -47.8% | +29.6% | |
| EV / EBIT | 19.11 | 21.56 | 18.15 | 15.03 | 13.69 | 16.54 | 18.62 | 13.15 | 11.95 | 15.79 | 18.15 | 17.49 | 14.23 | 15.56 | 17.97 | 17.71 | 11.51 | 13.37 | 9.51 | 22.67 | 27.02 |
| — | +30.4% | -2.5% | +14.2% | +14.6% | +4.8% | +2.6% | -24.8% | -16.0% | +1.5% | +1.0% | -1.2% | +23.6% | +16.4% | +88.9% | -21.9% | -57.4% | -38.2% | -56.3% | +40.5% | +46.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 53.4% | 51.3% | 48.2% | 50.2% | 51.8% | 52.4% | 51.3% | 52.4% | 50.6% | 56.4% | 45.8% | 45.6% | 50.6% | 51.0% | 48.4% | 46.9% | 47.9% | 49.4% | 47.7% | 45.2% | 46.4% |
| — | -2.2% | -6.0% | -4.2% | +2.3% | -7.1% | +12.1% | +15.0% | +0.1% | +10.6% | -5.4% | -2.8% | +5.7% | +3.2% | +1.5% | +3.7% | +3.1% | -16.9% | -18.7% | -22.4% | -21.0% | |
| Operating Margin | 15.9% | 16.1% | 16.0% | 17.3% | 16.8% | 16.5% | 13.1% | 16.8% | 16.0% | 13.9% | 11.8% | 13.0% | 14.7% | 13.7% | 11.1% | 11.2% | 13.2% | 11.4% | 9.1% | 8.6% | 8.7% |
| — | -2.3% | +22.6% | +3.0% | +5.1% | +18.6% | +11.1% | +28.7% | +8.9% | +1.3% | +6.5% | +16.6% | +11.4% | +20.1% | +21.7% | +29.6% | +52.1% | -15.5% | -25.8% | -36.8% | -38.7% | |
| Net Margin | 9.3% | 9.5% | 9.0% | 10.6% | 10.2% | 9.2% | 7.4% | 10.3% | 9.8% | 8.0% | 6.1% | 7.6% | 8.4% | 7.5% | 6.2% | 6.4% | 11.0% | 9.1% | 13.6% | 4.4% | 6.0% |
| — | +3.8% | +21.0% | +2.5% | +4.4% | +14.5% | +22.1% | +36.5% | +15.7% | +6.7% | -1.7% | +18.5% | -23.2% | -17.3% | -54.6% | +46.8% | +83.8% | +6.4% | +83.5% | -48.3% | -29.8% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 15.3% | 4.4% | 4.0% | 4.7% | 4.7% | 3.8% | 2.8% | 4.1% | 4.1% | 3.3% | 2.4% | 3.0% | 3.6% | 3.0% | 2.4% | 2.5% | 4.3% | 3.3% | 4.8% | 1.6% | 1.9% |
| — | +15.4% | +42.0% | +15.8% | +12.9% | +17.1% | +16.8% | +33.9% | +15.9% | +8.8% | +1.7% | +20.2% | -18.2% | -8.5% | -50.1% | +61.2% | +129.5% | +26.7% | +118.3% | -40.1% | -26.9% | |
| ROA | 6.8% | 1.8% | 1.7% | 2.0% | 2.0% | 1.7% | 1.3% | 1.9% | 1.9% | 1.5% | 1.1% | 1.4% | 1.6% | 1.4% | 1.2% | 1.2% | 2.1% | 1.5% | 2.3% | 0.7% | 0.9% |
| — | +7.2% | +28.8% | +7.6% | +5.5% | +14.8% | +16.8% | +30.6% | +14.6% | +5.9% | -0.8% | +17.9% | -20.3% | -9.3% | -49.5% | +65.0% | +123.6% | +15.7% | +91.1% | -48.8% | -35.1% | |
| ROIC | 9.2% | 2.5% | 2.5% | 2.6% | 2.6% | 2.5% | 1.9% | 2.5% | 2.5% | 2.1% | 1.8% | 2.0% | 2.4% | 2.1% | 1.7% | 1.8% | 2.1% | 1.6% | 1.3% | 1.2% | 1.1% |
| — | +1.7% | +31.6% | +6.1% | +3.8% | +18.8% | +5.8% | +22.5% | +7.1% | -0.4% | +6.2% | +15.1% | +14.4% | +29.8% | +33.0% | +41.7% | +83.7% | -6.7% | -21.0% | -35.1% | -42.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.24 | 1.24 | 1.16 | 1.14 | 1.24 | 1.17 | 0.95 | 0.99 | 1.00 | 1.03 | 1.01 | 0.91 | 0.96 | 0.99 | 0.90 | 0.88 | 0.89 | 0.92 | 0.88 | 0.87 | 0.88 |
| — | +5.3% | +23.2% | +15.1% | +24.0% | +14.1% | -6.4% | +8.9% | +3.6% | +3.8% | +12.2% | +3.3% | +8.4% | +7.6% | +2.3% | +0.3% | +1.3% | +16.0% | +20.6% | +39.3% | +25.3% | |
| Debt / EBITDA | 2.84 | 13.77 | 9.98 | 9.06 | 10.08 | 10.14 | 9.41 | 8.13 | 7.84 | 8.43 | 8.62 | 7.36 | 7.61 | 8.05 | 8.11 | 7.76 | 7.84 | 8.87 | 9.63 | 8.83 | 23.11 |
| — | +35.7% | +6.1% | +11.4% | +28.5% | +20.3% | +9.2% | +10.5% | +3.0% | +4.7% | +6.3% | -5.1% | -2.8% | -9.2% | -15.8% | -12.2% | -66.1% | -44.5% | -41.0% | -28.9% | +67.4% | |
| Current Ratio | 4.55 | 4.81 | 4.89 | 4.77 | 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 | 3.46 | 3.08 | 2.68 | 2.88 |
| — | -3.6% | +16.1% | +8.5% | +10.1% | +15.8% | +4.3% | +10.1% | +6.2% | +10.8% | +10.1% | +14.0% | +1.8% | +12.6% | +18.8% | +30.4% | +32.9% | +9.0% | +14.6% | +2.0% | -4.8% | |
| Quick Ratio | 4.55 | 4.81 | 4.89 | 4.77 | 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 | 3.46 | 3.08 | 2.68 | 2.88 |
| — | -3.6% | +16.1% | +8.5% | +10.1% | +15.8% | +4.3% | +10.1% | +6.2% | +10.8% | +10.1% | +14.0% | +1.8% | +12.6% | +18.8% | +30.4% | +32.9% | +9.0% | +14.6% | +2.0% | -4.8% | |
| Interest Coverage | 4.69 | 3.68 | 4.67 | 5.20 | 5.05 | 4.49 | 4.08 | 5.05 | 5.03 | 4.11 | 3.63 | 4.22 | 4.44 | 4.14 | 3.87 | 4.02 | 6.09 | 5.12 | 7.75 | 3.28 | 4.71 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying FCFS stock.
FirstCash Holdings, Inc's current P/E is 20.2x. The average P/E over the last 4 quarters is 21.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
FirstCash Holdings, Inc's current operating margin is 15.9%. Margins have been compressing 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.