FirstCash Holdings, Inc. FCFS R2K

Financial Services · Credit Services · United States

FirstCash Holdings, Inc., together with its subsidiaries, operates retail pawn stores in the United States, Mexico, rest of Latin America, and the United Kingdom. The company operates through four segments: U.S. Pawn, Latin America Pawn, U.K. Pawn, and Retail POS Payment Solutions segments. 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 and over-the-counter purchases from customers. The company also provides retail POS payment solutions, which focuses on LTO products and facilitating other retail financing payment options across the network of traditional and e-commerce merchant partners. It serves cash and credit-constrained consumers. The company was formerly known as FirstCash, Inc and changed its name to FirstCash Holdings, Inc. in December 2021. FirstCash Holdings, Inc. was incorporated in 1988 and is headquartered in Fort Worth, Texas.

Market & Price

Market Cap

$9.64B

Current Price

$219.91

High / Low (52W)

$232.57 / $118.91

Beta

0.53

Valuation

Stock P/E

27.56

Industry PE

12.01

Forward P/E

17.71

PEG Ratio

1.17

Book Value

$52.42

Price to Book

4.19

P/S

2.49

EV/EBITDA

16.58

Dividend Yield

0.76%

Profitability & Returns

ROCE

11.63%

ROE

16.27%

ROA

7.83%

Profit Margin

9.15%

Op Margin

16.70%

EPS (Latest Qtr)

$2.43

EPS (TTM)

$7.98

Balance Sheet & Liquidity

Debt/Equity

1.14

Quick Ratio

3.10

Current Ratio

4.77

Debt

$2.61B

Total Assets

$5.30B

Current Assets

$1.86B

Working Capital

$1.45B

Ownership

Promoter Holding

8.37%

Chg in Prom Hold

FII / Inst Holding

96.26%

Chg in FII Hold

0.00%

Financial Snapshot

Enterprise Value

$12.12B

Total Revenue (TTM)

$3.88B

EBITDA

$731.12M

Free Cash Flow

$190.61M

Operating Cash Flow

$612.93M

Shares Outstanding

43.84M

Gross Margin

58.56%

Payout Ratio

20.55%

Growth (CAGR)

Revenue 5Y

10.29%

Profit 5Y

9.23%

Revenue (YoY)

25.70%

Earnings (YoY)

29.90%

PROS

Compounding revenue at 10.3% over 5 years.
Generates positive free cash flow.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	FCFS FirstCash Holdings, Inc. R2K	219.91	27.56	$9.64B	0.76%	11.63%	16.27%	10.29%	9.23%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	246.33M	-	269.84M	255.74M	256.42M	-	284.24M	278.75M	281.36M	-	296.63M	287.40M	234.98M	-	272.04M	265.57M	268.73M	302.82M	298.26M	300.90M	327.92M	320.86M	335.08M	366.82M	363.46M	363.14M	836.42M	830.62M	935.58M	1.06B	1.05B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	412.22M	417.81M	461.87M	528.54M	509.27M
Gross Profit	94.05M	95.44M	102.92M	101.86M	101.46M	147.36M	254.12M	242.90M	224.42M	231.05M	249.14M	239.08M	228.43M	237.26M	262.00M	255.80M	244.31M	250.98M	267.26M	259.31M	223.10M	202.74M	225.99M	233.59M	224.22M	233.09M	291.19M	300.97M	323.29M	348.06M	352.89M	388.65M	395.84M	395.40M	404.61M	424.20M	412.82M	473.71M	529.88M	542.38M
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	288.61M	307.62M	324.41M	357.74M	366.72M
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	135.59M	105.20M	149.30M	172.14M	175.66M
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	253.01M	211.55M	249.76M	285.46M	292.23M
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	27.47M	26.34M	32.22M	35.27M	34.53M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	111.22M	81.08M	112.48M	142.79M	145.13M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	27.63M	21.27M	29.67M	38.62M	37.43M
Net Income	13.34M	11.17M	19.41M	13.17M	11.67M	-1.41M	36.69M	32.65M	15.24M	28.27M	67.73M	41.63M	30.17M	33.33M	48.08M	42.66M	33.05M	34.76M	54.15M	32.92M	25.87M	15.06M	32.73M	33.72M	28.43M	33.40M	28.00M	86.11M	59.32M	47.39M	45.18M	57.14M	61.37M	49.07M	64.83M	83.59M	59.80M	82.81M	104.17M	107.70M
Diluted EPS	0.47	0.40	0.69	0.47	0.41	-0.04	0.76	0.67	0.32	0.59	1.43	0.90	0.67	0.76	1.09	0.98	0.76	0.81	1.27	0.78	0.62	0.36	0.79	0.82	0.70	0.82	0.58	1.81	1.26	1.02	0.99	1.26	1.35	1.08	1.44	1.87	1.34	1.86	2.35	2.43

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	669.13M	1.05B	1.09B	1.18B	1.08B	-	2.73B	3.15B	3.39B	3.66B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	1.46B	1.64B	1.76B	1.82B
Gross Profit	204.59M	246.16M	289.25M	335.54M	369.57M	400.87M	391.18M	604.80M	947.51M	966.77M	1.02B	911.14M	-	1.26B	1.51B	1.63B	1.84B
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	980.68M	1.12B	1.18B	1.28B
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	283.90M	384.28M	445.63M	562.23M
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	851.67M	906.71M	986.25M	999.78M
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	70.71M	93.24M	105.23M	121.29M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	323.63M	292.85M	342.78M	447.56M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	70.14M	73.55M	83.96M	117.19M
Net Income	49.76M	57.66M	77.78M	80.36M	83.85M	85.17M	60.71M	60.13M	143.89M	153.21M	164.62M	106.58M	-	253.50M	219.30M	258.81M	330.38M
Diluted EPS	1.65	1.86	2.47	2.70	2.84	2.93	2.14	1.72	3.00	3.41	3.81	2.56	-	5.36	4.80	5.73	7.42

Compounded Sales Growth

5 Years:	10.29%
1 Year:	25.70%

Compounded Profit Growth

5 Years:	9.23%
1 Year:	29.90%

Stock Price Performance

1 Year:	+73.62%
6 Months:	+42.81%
3 Months:	+14.28%
1 Month:	+2.15%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	342.45M	357.10M	507.69M	658.97M	711.88M	752.89M	2.15B	2.06B	2.11B	2.44B	2.37B	-	3.90B	4.29B	4.48B	5.30B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.13B	1.31B	1.40B	1.86B
Cash & Equivalents	29.01M	26.78M	67.24M	70.30M	50.28M	70.64M	67.99M	86.95M	89.95M	114.42M	71.79M	46.53M	65.85M	-	117.33M	127.02M	175.09M	125.20M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	288.34M	312.09M	334.58M	487.23M
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	57.79M	71.92M	73.33M	115.85M
Total Liabilities	-	-	44.44M	41.72M	155.28M	244.61M	282.18M	321.51M	695.22M	587.45M	789.87M	1.09B	1.09B	-	2.03B	2.29B	2.42B	3.02B
Current Liabilities	-	-	34.62M	35.41M	31.15M	48.76M	42.56M	46.17M	143.63M	120.57M	133.04M	202.90M	206.41M	-	295.53M	335.59M	339.40M	407.81M
Long Term Debt	-	-	1.39M	0	-	-	-	-	-	402.24M	590.89M	631.57M	615.92M	-	1.37B	1.61B	1.73B	2.21B
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.67B	1.92B	2.05B	2.57B
Total Equity	-	-	298.00M	315.37M	352.42M	414.36M	434.44M	431.38M	1.45B	1.48B	1.32B	1.35B	1.28B	-	1.88B	2.00B	2.05B	2.28B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	57.32M	57.32M	57.55M	57.55M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	85.21M	73.64M	80.38M	88.79M	106.72M	97.68M	92.75M	96.85M	220.36M	243.43M	231.60M	222.26M	-	469.31M	416.14M	539.96M	585.94M
Investing Cash Flow	-17.63M	-47.70M	-22.10M	-159.90M	-140.73M	-85.37M	-71.68M	-25.97M	1.40M	-159.25M	-137.05M	-20.35M	-	-336.44M	-462.33M	-441.59M	-828.04M
Financing Cash Flow	-71.32M	13.65M	-52.59M	49.52M	54.64M	-9.10M	9.13M	-58.71M	-197.51M	-127.06M	-120.81M	-186.50M	-	-139.27M	51.31M	-38.19M	176.41M
Capital Expenditure	-	-	-	-	-	-	-	-	-	-	-	-	-	-35.59M	-60.15M	-68.25M	-54.91M
Free Cash Flow	-	-	-	-	-	-	-	-	-	-	-	-	-	433.72M	355.99M	471.71M	531.04M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-6.41M	5.12M	60.17M	-65.69M
Share Buybacks	0	0	55.31M	61.27M	38.69M	43.95M	39.97M	0	91.74M	273.66M	116.11M	106.97M	49.61M	157.86M	114.38M	85.00M	115.85M
Dividends Paid	-	-	-	-	-	0	0	19.81M	36.84M	40.85M	43.95M	44.75M	47.53M	59.57M	61.88M	65.76M	70.88M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	90.4%	90.1%	88.6%	86.6%	84.7%	-	46.3%	47.8%	48.1%	50.3%
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	10.4%	12.2%	13.2%	15.4%
Net Margin %	-	-	-	-	-	-	-	9.0%	13.7%	14.0%	14.0%	9.9%	-	9.3%	7.0%	7.6%	9.0%
ROE %	-	19.3%	24.7%	22.8%	20.2%	19.6%	14.1%	4.1%	9.8%	11.6%	12.2%	8.3%	-	13.5%	11.0%	12.6%	14.5%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	7.9%	9.7%	10.8%	11.5%

Shareholding Pattern

Insiders

8.37%

Institutions

96.26%

Public Float

105.06%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	10.81%	4.74M	$1.04B
2	FMR, LLC	8.44%	3.70M	$813.30M
3	Earnest Partners LLC	4.93%	2.16M	$475.43M
4	Vanguard Portfolio Management LLC	4.52%	1.98M	$436.21M
5	Vanguard Capital Management LLC	3.86%	1.69M	$371.64M
6	State Street Corporation	3.25%	1.42M	$313.23M
7	Price (T.Rowe) Associates Inc	3.20%	1.40M	$308.76M
8	Geode Capital Management, LLC	2.63%	1.15M	$253.42M
9	Hood River Capital Management LLC	2.59%	1.13M	$249.36M
10	Bank of America Corporation	2.54%	1.11M	$244.39M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for FCFS

No recent headlines available.

FCFS · Financial Services