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FirstCash Holdings, Inc.

FCFS Financial Credit Services

FirstCash Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $3.7 billion, up 8.04% from fiscal 2024.

Revenue
+17.7%
EPS
+25.3%
Free cash flow
−12.7%
Total debt
+10.6%

Quarter to September 2026, against a year earlier

185.16 2.39 −1.27%
Market cap
$8.0B
P/E
20.4×
Fwd P/E
18.5×
Dividend yield
0.89%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Segments Valuation Filings

Revenue by regions Fiscal 2013

  • Latin America
  • U.S.

Every year since 2010 →

Insider Decisions last twelve months

Sold, $m 14.73
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 1 — 5 — — 5 1 — 3 1 — —
Insider Ownership 9.62%

Capital & Financial Ratios $m

Size
Market Cap 8,040.00
Revenue ttm 4,285.93
Net income ttm 406.49
Free cash flow ttm 518.18
Net debt Q 2,243.91
Valuation
P/E 20.38
Forward P/E 18.50
Price / sales 1.89
Forward P/S Powerpack
Price / FCF 15.63
Price / book 3.56
Financial health
Current ratio Q 4.81
Debt / equity Q 1.08
Interest coverage Q 4.61
Growth
Revenue growth Q +17.70% (above 0%: growing)
Operating income growth Q +24.20% (above 0%: growing)
EPS, this year +25.37% (at or above 15%: strong)
EPS, next year A +16.05% (at or above 15%: strong)
Revenue, next year A +19.15% (at or above 10%: strong)
EPS, past 5 yrs +23.72% (at or above 15%: strong)
EPS, next 5 yrs A +19.95% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 24.68%
10-year low 10-year high
P/S against its own 10 years 59.88%
10-year low 10-year high
P/B against its own 10 years 93.55%
10-year low 10-year high

Dividends raised every year since 2018

Yield
0.89%
Annual rate
1.68
Payout ratio
18.2%
Growth, 2018–26
+8.28%/yr
  1. 0.91 ’18
  2. 1.02 ’19 +12
  3. 1.08 ’20 +6
  4. 1.17 ’21 +8
  5. 1.26 ’22 +8
  6. 1.36 ’23 +8
  7. 1.46 ’24 +7
  8. 1.60 ’25 +10
  9. 1.72 ’26 +7
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 127 175 125 203
Receivables 658 739 1,098 1,154
Inventory 312 335 487 599
Other 171 128 114 75
1,307 1,404 1,856 2,067
2023 2024 2025 Q'26
Payables — 172 213 —
ST’ Debt — — — —
Other 71 73 84 96
336 339 408 430

Compound Annual Growth %

10y 5y 3y
Sales 17.91% 17.55% 10.29%
Cash Flow 20.24% 21.39% 7.68%
Earnings 18.46% 25.39% 9.23%
Book Value 18.10% 12.14% 6.60%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 2.64 Actual 2.68

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY25 1.91 2.26 Beat by 0.35
Q4 FY25 2.54 2.64 Beat by 0.10
Q1 FY26 −999,900.00 2.69 Beat by 999,902.69
Q3 FY26 2.64 2.68 Beat by 0.04
Q4 FY26 3.16 — Reports 4 February 2027

EPS $

Mar Jun Sep Dec Year
’26 2.43 2.12 2.33 — —
’25 1.87 1.34 1.86 2.35 7.42
’24 1.35 1.08 1.44 1.86 5.73
’23 1.02 0.99 1.26 1.53 4.80
’22 0.58 1.81 1.26 1.72 5.36
’21 0.82 0.70 0.82 0.70 3.04
’20 0.78 0.62 0.36 0.79 2.56
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 1,052 1,075 1,101 — —
’25 836 831 936 1,058 3,661
’24 836 831 837 884 3,389
’23 763 751 786 852 3,152
’22 660 648 672 749 2,729
’21 408 390 400 502 1,699
’20 466 413 360 392 1,631
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 154 177 142 — —
’25 127 117 136 207 586
’24 123 106 113 198 540
’23 111 95 111 99 416
’22 120 107 99 144 469
’21 69 45 24 85 223
’20 77 66 34 45 222
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 103 149 94 — —
’25 107 83 108 171 469
’24 85 80 67 154 386
’23 79 63 81 62 286
’22 103 46 70 132 351
’21 45 18 4 34 102
’20 57 46 25 11 139
Fiscal quarters ending in the months shown.

Valuation

The price implies the dividend a share growing 28.9% a year for ten years.

Implied
28.9%
Open the model

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 1,088 1,780 1,781 1,864 1,631 1,699 2,729 3,152 3,389 3,661 4,286 +14.4% 4,362 4,664 5,081 +11.5%
Gross margin, % 55.57 53.24 54.29 54.62 55.85 54.10 46.34 47.82 48.09 50.28 50.20 (5.3) pt
EBT 93 172 205 225 144 167 324 293 343 448 554 +19.0%
EBT margin, % 8.59 9.68 11.53 12.05 8.81 9.80 11.86 9.29 10.12 12.23 12.92 +3.6 pt
Net income 60 144 153 165 107 125 253 219 259 330 406 +20.8%
Per share, $
Per share, $ Revenue 31.10 37.19 39.77 43.34 39.31 41.46 57.80 69.34 75.36 82.62 99.55 +11.5%
Earnings 1.72 3.01 3.42 3.83 2.57 3.04 5.36 4.80 5.73 7.42 9.23 +17.6%
Cash flow 2.77 4.60 5.44 5.38 5.36 5.45 9.94 9.16 12.01 13.22 15.77 +19.0%
Capex (0.97) (0.78) (1.24) (2.77) (2.00) (2.97) (2.51) (2.87) (3.43) (2.64) (3.74) +11.8%
Free cash flow 1.80 3.83 4.19 2.62 3.35 2.48 7.43 6.28 8.58 10.59 12.04 +21.8%
Book value 41.43 30.83 29.44 31.38 30.93 44.13 39.81 43.92 45.68 51.38 52.80 +2.4%
Shares, m 35 48 45 43 42 41 47 45 45 44 44 +2.7%
Valuation, ×
Valuation, × P/E 27.52 22.47 21.09 21.05 27.36 24.53 16.39 22.28 18.08 21.48 20.38 22.2
P/S 1.52 1.82 1.82 1.86 1.78 1.80 1.52 1.54 1.37 1.93 1.89 1.7
P/B 1.14 2.20 2.46 2.57 2.26 1.70 2.21 2.43 2.27 3.10 3.56 2.2
EV/Sales 1.89 2.01 2.13 2.20 2.14 2.52 2.00 2.02 1.85 2.51 — 2.1
EV/FCF 32.73 19.51 20.23 36.35 25.12 42.04 15.54 22.34 16.21 19.58 — 25.0
Cash, $m
Cash, $m Operating cash flow 97 220 243 232 222 223 469 416 540 586 679 +22.1%
Capex (34) (37) (56) (119) (83) (122) (118) (131) (154) (117) (161) +14.8%
Free cash flow 63 183 188 113 139 102 351 286 386 469 518 +25.0%
Balance, $m
Balance, $m Working capital 749 722 657 538 418 737 835 971 1,064 1,449 1,637 +7.6%
Net debt 367 288 519 585 550 1,173 1,257 1,479 1,554 2,083 2,244 +21.3%
Shareholders’ equity 1,450 1,475 1,318 1,350 1,284 1,808 1,880 1,996 2,054 2,277 2,273 +5.1%
Returns, %
Returns, % ROA 4.15 6.84 7.35 7.24 4.43 4.02 6.55 5.35 5.90 6.76 7.57 +2.6 pt
ROIC 3.88 7.39 7.92 8.29 6.63 3.81 5.58 6.77 7.68 7.85 9.40 +4.0 pt
ROE 6.39 9.84 10.97 12.34 8.09 8.08 13.75 11.32 12.78 15.26 18.18 +8.9 pt
People
People Employees 16,200 17,000 19,000 21,000 17,000 17,000 18,000 19,000 20,000 22,000 — +3.5%
Revenue/emp, $m 0.07 0.10 0.09 0.09 0.10 0.10 0.15 0.17 0.17 0.17 — +10.6%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Business profile

Updated

FirstCash Holdings operates pawnshops and a retail payment solutions business. Its pawnshops provide short-term cash loans secured by customers’ personal property, buy used goods directly from customers and sell merchandise to the public. The company is headquartered in Fort Worth, Texas.

A pawn customer leaves an item, such as jewelry, electronics or tools, as collateral for a loan. The customer can reclaim it by repaying the loan and applicable fees. If the customer does not repay by the end of the loan and any grace period, FirstCash takes ownership of the item and can sell it. The loans are non-recourse: the customer has no legal obligation to repay, and FirstCash relies on the collateral rather than pursuing the customer for payment.

Where the money comes from and where it goes Fiscal 2013

Fiscal 2013: revenue by regions, and margins
Latin America 363 54.93%
U.S. 298 45.07%
Gross margin 55.92%
Operating margin 18.67%
Pre-tax margin 18.19%

Revenue by segment since 2010

FirstCash Holdings, Inc. vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
ALLY Ally Financial Inc. $11.7B 8.8× 8.1× +4.53% (above 0%: growing) +10.92% (above 0%: growing) +32.70% (above 0%: growing) 62.76% 0.00% Compare
FCFS FirstCash Holdings, Inc. $8.0B 20.4× 18.5× +17.70% (above 0%: growing) +25.27% (above 0%: growing) −12.69% (below 0%: shrinking) 49.54% 15.77%
KLAR Klarna Group plc $7.7B — (loss-making) 8.2× +26.61% (above 0%: growing) n/m −129.24% (below 0%: shrinking) 61.23% 2.59% Compare
OMF OneMain Holdings, Inc. $6.5B 8.7× 8.7× +9.52% (above 0%: growing) −4.19% (below 0%: shrinking) −2.42% (below 0%: shrinking) 79.74% 0.00% Compare
CACC Credit Acceptance Corporation $5.3B 16.7× 8.8× +2.09% (above 0%: growing) n/m +11.81% (above 0%: growing) 100.00% 8.63% Compare
SEZL Sezzle Inc. $5.2B 28.6× 25.6× +42.56% (above 0%: growing) +82.05% (above 0%: growing) −101.48% (below 0%: shrinking) 0.00% 38.59% Compare
NNI Nelnet, Inc. $4.5B 16.8× 16.5× −22.95% (below 0%: shrinking) −27.55% (below 0%: shrinking) +575.59% (above 0%: growing) 79.01% 0.00% Compare
ENVA Enova International, Inc. $4.3B 11.3× 11.0× +25.73% (above 0%: growing) +33.85% (above 0%: growing) +11.38% (above 0%: growing) 60.88% 24.50% Compare
BFH Bread Financial Holdings, Inc. $3.9B 8.0× 8.0× +2.96% (above 0%: growing) −1.26% (below 0%: shrinking) +0.17% (above 0%: growing) 100.00% 76.97% Compare
Median of peers $5.3B 11.3× 8.7× +7.03% +4.83% +5.77% 70.89% 5.61%

All 53 Credit Services stocks →

Largest institutional holders 13F, quarter to 30 June 2026

Held by institutions 98.46%
Held by the ten largest 51.31%
Holder Shares Stake Change
BlackRock 5.03m 11.60% +291.24k
Vanguard 4.07m 9.38% +61.10k
Fidelity (FMR) 3.05m 7.03% −650.86k
EARNEST PARTNERS LLC 2.11m 4.86% −55.53k
T. Rowe Price 1.72m 3.96% +311.82k
State Street 1.51m 3.48% +83.12k
Geode Capital Management 1.24m 2.86% +89.17k
Hood River Capital Management LLC 1.22m 2.82% +88.00k
Capital Group 1.17m 2.69% +606.82k
Bank of America 1.15m 2.64% +35.38k
13F filings for the quarter to 30 June 2026: long positions in US-listed shares reported by managers with $100m or more, ~45 days after the quarter.

Pay and ownership Proxy statement filed 28 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 15.66m 35.00m 244.03
2024 12.07m 9.29m 156.75
2023 12.26m 19.93m 161.92
2022 9.84m 15.11m 128.06
2021 7.18m 7.22m 108.50
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

FirstCash Holdings, Inc. (FCFS) Latest News

28 Oct

Impact 4 · · GlobeNewswire

27 Oct

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

26 Oct

Impact 3 · · StockStory

24 Oct

Impact 4 · · Simply Wall St.
Impact 3 · · StockStory

23 Oct

Impact 3 · · Simply Wall St.

22 Oct

Impact 3 · · StockStory

21 Oct

Impact 3 · · StockStory

11 Oct

Impact 3 · · Simply Wall St.

8 Oct

Impact 3 · · Simply Wall St.
Impact 3 · · StockStory
Impact 3 · · Zacks

7 Oct

Impact 3 · · Insider Monkey

15 Sep

Impact 3 ·

31 Aug

Impact 3 ·

23 Jul

Impact 4 ·
Impact 3 ·

15 Jul

Impact 3 ·

8 Jul

Impact 3 ·

3 Jul

Impact 3 ·

23 Jun

Impact 4 · · PA Media: Money
Impact 4 ·
Impact 3 · · Investor's Business Daily

4 Jun

Impact 4 · · Simply Wall St.

2 Jun

Impact 4 · · MarketBeat

16 May

Impact 3 · · StockStory

1 May

Impact 4 · · Simply Wall St.

28 Apr

Impact 4 · · GlobeNewswire

27 Apr

Impact 4 · · GlobeNewswire

FCFS metrics, ten years each

stockrow.com/FCFS · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com