FCFS · Firstcash Holdings, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $3.66B | $3.39B | $3.15B | $2.73B | $1.70B | $1.63B |
| Cost of Revenue | $1.82B | $1.76B | $1.64B | $1.46B | $779.81M | $720.14M |
| Gross Profit | $1.84B | $1.63B | $1.51B | $1.26B | $919.15M | $911.14M |
| R&D | - | - | - | - | - | - |
| SG&A | $232.84M | $173.20M | $176.31M | $147.94M | $111.26M | $110.93M |
| Total Operating Expenses | $1.39B | $1.29B | $1.21B | $940.95M | $752.65M | $767.44M |
| D&A | - | - | - | - | - | - |
| Operating Income | $447.56M | $342.78M | $292.85M | $323.63M | $166.50M | $143.70M |
| Interest Expense | - | - | $93.24M | $70.71M | $32.39M | $29.34M |
| Income Tax | $117.19M | $83.96M | $73.55M | $70.14M | $41.59M | $37.12M |
| Net Income | $330.38M | $258.81M | $219.30M | $253.50M | $124.91M | $106.58M |
| EPS - Basic | $7.46 | $5.76 | $4.82 | $5.37 | $3.05 | $2.57 |
| EPS - Diluted | $7.42 | $5.73 | $4.80 | $5.36 | $3.04 | $2.56 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $125.20M | $175.09M | $127.02M | $117.33M | $120.05M | $65.85M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | $487.23M | $334.58M | $312.09M | $288.34M | $263.31M | $190.35M |
| Accounts Payable | $26.52M | $31.14M | $26.50M | $29.24M | $23.08M | $7.19M |
| Current Assets | $1.86B | $1.40B | $1.31B | $1.13B | $1.13B | $624.57M |
| Total Assets | $5.30B | $4.48B | $4.29B | $3.90B | $3.84B | $2.37B |
| Current Liabilities | $407.81M | $339.40M | $335.59M | $295.53M | $392.21M | $206.41M |
| Long-term Debt | $2.21B | $1.73B | $1.61B | $1.37B | $1.29B | $615.92M |
| Total Liabilities | $3.02B | $2.42B | $2.29B | $2.03B | $2.03B | $1.09B |
| Stockholders' Equity | $2.28B | $2.05B | $2.00B | $1.88B | $1.81B | $1.28B |
| Retained Earnings | $1.67B | $1.41B | $1.22B | $1.06B | $866.68M | $789.30M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $585.94M | $539.96M | $416.14M | $469.31M | $223.30M | $222.26M |
| Investing Cash Flow | ($828.04M) | ($441.59M) | ($462.33M) | ($336.44M) | ($744.64M) | ($20.35M) |
| Financing Cash Flow | $176.41M | ($38.19M) | $51.31M | ($139.27M) | $576.99M | ($186.50M) |
| CapEx | $54.91M | $68.25M | $60.15M | $35.59M | $42.02M | $37.54M |
| Free Cash Flow | $531.04M | $471.71M | $355.99M | $433.72M | $181.28M | $184.72M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | 50.3% | 48.1% | 47.8% | 46.3% | 54.1% | 55.9% |
| Operating margin | 12.2% | 10.1% | 9.3% | 11.9% | 9.8% | 8.8% |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | 9.0% | 7.6% | 7.0% | 9.3% | 7.4% | 6.5% |
| Free cash flow margin | 14.5% | 13.9% | 11.3% | 15.9% | 10.7% | 11.3% |
| FCF / Net income | 1.61 | 1.82 | 1.62 | 1.71 | 1.45 | 1.73 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | 6.4% | 5.1% | 5.6% | 5.4% | 6.5% | 6.8% |
| Effective tax rate | 26.2% | 24.5% | 25.1% | 21.7% | 25.0% | 25.8% |
| Return on assets | 6.2% | 5.8% | 5.1% | 6.5% | 3.3% | 4.5% |
| Return on equity | 14.5% | 12.6% | 11.0% | 13.5% | 6.9% | 8.3% |
| Return on invested capital | 7.4% | 6.8% | 6.1% | 7.8% | 4.0% | 5.6% |
| Liquidity | ||||||
| Current ratio | 4.55 | 4.14 | 3.89 | 3.83 | 2.88 | 3.03 |
| Quick ratio | 3.36 | 3.15 | 2.96 | 2.85 | 2.21 | 2.10 |
| Cash ratio | 0.31 | 0.52 | 0.38 | 0.40 | 0.31 | 0.32 |
| Leverage | ||||||
| Debt / Equity | 0.97 | 0.84 | 0.80 | 0.73 | 0.72 | 0.48 |
| Debt / Assets | 0.42 | 0.39 | 0.37 | 0.35 | 0.34 | 0.26 |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 3.1x | 4.6x | 5.1x | 4.9x |
| Equity multiplier | 2.33 | 2.18 | 2.15 | 2.08 | 2.12 | 1.85 |
| Liabilities / Assets | 0.57 | 0.54 | 0.53 | 0.52 | 0.53 | 0.46 |
| Efficiency | ||||||
| Asset turnover | 0.69 | 0.76 | 0.73 | 0.70 | 0.44 | 0.69 |
| Inventory turnover | 3.74 | 5.26 | 5.27 | 5.08 | 2.96 | 3.78 |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | 98d | 69d | 69d | 72d | 123d | 96d |
| Days payable outstanding | 5d | 6d | 6d | 7d | 11d | 4d |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 21.5x | 18.1x | 22.6x | 16.2x | 24.6x | 27.4x |
| P / B | 3.1x | 2.3x | 2.5x | 2.2x | 1.7x | 2.3x |
| P / S | 1.9x | 1.4x | 1.6x | 1.5x | 1.8x | 1.8x |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | 8.0% | 7.5% | 15.5% | 60.6% | 4.1% | -12.5% |
| Revenue CAGR (3y) | 10.3% | 25.9% | 24.5% | 13.5% | -1.6% | -2.9% |
| Revenue CAGR (5y) | 17.5% | 12.7% | 12.1% | 8.9% | 9.3% | 18.3% |
| Gross profit growth (YoY) | 13.0% | 8.1% | 19.2% | 37.6% | 0.9% | -10.5% |
| Operating income growth (YoY) | 30.6% | 17.0% | -9.5% | 94.4% | 15.9% | -36.0% |
| Net income growth (YoY) | 27.6% | 18.0% | -13.5% | 102.9% | 17.2% | -35.3% |
| EPS growth (YoY) | 29.5% | 19.4% | -10.4% | 76.3% | 18.8% | -32.8% |
| EPS CAGR (3y) | 11.4% | 23.5% | 23.3% | 12.1% | -3.8% | - |
| EPS CAGR (5y) | 23.7% | 8.5% | 7.1% | - | 12.1% | 3.6% |
| FCF growth (YoY) | 12.6% | 32.5% | -17.9% | 139.3% | -1.9% | -1.4% |
| FCF CAGR (5y) | 23.5% | 20.3% | 11.4% | 18.8% | 23.5% | 20.8% |
| Book value growth (YoY) | 10.8% | 2.9% | 6.2% | 4.0% | 40.8% | -4.9% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Geographic
$2.67B totalUS$1.05B · 39.2%
MX$836.24M · 31.3%
Latin America$584.13M · 21.9%
GB$150.66M · 5.6%
Other Latin America$53.29M · 2.0%
Stability scores
Altman Z′
FY 2025 · bankruptcy risk
1.73
Grey zone
Private-firm variant - uses book equity instead of market cap. > 2.90 safe · 1.23-2.90 grey · < 1.23 distress.
Piotroski F-score
FY 2025 · 9-point quality
7/9
Strong
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- ✗Long-term debt decreased
- ✓Current ratio improved
- ✓No share dilution
- ✓Gross margin improved
- ✗Asset turnover improved
Peer comparison
Same SIC group: Retail-Miscellaneous Retail
Comparing FirstCash Holdings against the 5 most active filers in the same SIC group.
Dividends
$1.68/share trailing 12 months · +10.5% YoY
| Ex-date | Per share |
|---|---|
| May 15, 2026 | $0.4200 |
| Feb 18, 2026 | $0.4200 |
| Nov 14, 2025 | $0.4200 |
| Aug 15, 2025 | $0.4200 |
| May 15, 2025 | $0.3800 |
| Feb 14, 2025 | $0.3800 |
| Nov 15, 2024 | $0.3800 |
| Aug 15, 2024 | $0.3800 |
| May 14, 2024 | $0.3500 |
| Feb 13, 2024 | $0.3500 |
| Nov 14, 2023 | $0.3500 |
| Aug 14, 2023 | $0.3500 |
| May 12, 2023 | $0.3300 |
| Feb 13, 2023 | $0.3300 |
| Nov 14, 2022 | $0.3300 |
| Aug 11, 2022 | $0.3300 |
| May 13, 2022 | $0.3000 |
| Feb 17, 2022 | $0.3000 |
| Nov 12, 2021 | $0.3000 |
| Aug 12, 2021 | $0.3000 |
| May 13, 2021 | $0.3000 |
| Feb 11, 2021 | $0.2700 |
| Nov 12, 2020 | $0.2700 |
| Aug 13, 2020 | $0.2700 |