Saturday 17 October 2026
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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. In the quarter to June 2026, revenue grew 29.4%, EPS grew 58.2%, free cash flow grew 80.7% and total debt rose 39.2%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five.
215.29
1.42
−0.66%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
5 | 7 | 7 | 6 | 6 | 4 | 7 | 7 | 8 | 7 |
P/E ratio |
27.52 | 22.47 | 21.09 | 21.05 | 27.36 | 24.53 | 16.39 | 22.28 | 18.08 | 21.48 |
P/S ratio |
1.52 | 1.82 | 1.82 | 1.86 | 1.78 | 1.80 | 1.52 | 1.54 | 1.37 | 1.93 |
P/FCF ratio |
26.28 | 17.72 | 17.25 | 30.80 | 20.88 | 30.12 | 11.84 | 17.02 | 12.08 | 15.06 |
P/Operating CF |
29.36 | 45.40 | 46.81 | 51.18 | 64.74 | 35.87 | 28.95 | 49.05 | 23.51 | 34.18 |
P/B ratio |
1.14 | 2.20 | 2.46 | 2.57 | 2.26 | 1.70 | 2.21 | 2.43 | 2.27 | 3.10 |
Price to Tangible BV |
3.22 | 5.90 | 10.37 | 10.99 | 13.05 | 0.00 | 0.00 | 0.00 | 122.16 | 318.20 |
EV/Sales |
1.89 | 2.01 | 2.13 | 2.20 | 2.14 | 2.52 | 2.00 | 2.02 | 1.85 | 2.51 |
EV/EBITDA |
14.15 | 13.51 | 13.69 | 13.64 | 14.67 | 17.59 | 6.95 | 7.24 | 6.60 | 10.03 |
EV/Operating CF |
21.29 | 16.22 | 15.61 | 17.68 | 15.73 | 19.16 | 11.62 | 15.33 | 11.58 | 15.68 |
EV/FCF |
32.73 | 19.51 | 20.23 | 36.35 | 25.12 | 42.04 | 15.54 | 22.34 | 16.21 | 19.58 |
Quick Ratio |
1.09 | 1.47 | 0.89 | 0.46 | 2.06 | 1.80 | 2.26 | 2.34 | 2.69 | 3.00 |
Current Ratio |
6.21 | 6.99 | 5.94 | 3.65 | 3.03 | 2.88 | 3.83 | 3.89 | 4.14 | 4.55 |
Net Debt/EBITDA |
2.52 | 1.09 | 1.87 | 1.95 | 2.31 | 4.82 | 1.60 | 1.68 | 1.64 | 2.28 |
Debt/Assets |
21.28% | 19.50% | 28.03% | 25.89% | 25.96% | 33.70% | 35.20% | 37.43% | 38.63% | 41.66% |
Debt/Equity |
0.31 | 0.27 | 0.45 | 0.47 | 0.48 | 0.72 | 0.73 | 0.80 | 0.84 | 0.97 |
Asset Turnover |
0.75 | 0.85 | 0.85 | 0.82 | 0.68 | 0.55 | 0.71 | 0.77 | 0.77 | 0.75 |
Operating CF/Net income |
1.61 | 1.53 | 1.59 | 1.41 | 2.09 | 1.79 | 1.85 | 1.90 | 2.09 | 1.77 |
Capex/Depreciation |
(1.02) | (0.66) | (1.25) | (2.75) | (1.90) | (1.97) | (0.23) | (0.26) | (0.31) | (0.32) |
Interest Coverage |
5.54 | 8.68 | 7.98 | 7.55 | 6.63 | 5.61 | 3.96 | 4.04 | 4.21 | 4.52 |
| 6.39% | 9.84% | 10.97% | 12.34% | 8.09% | 8.08% | 13.75% | 11.32% | 12.78% | 15.26% | |
| 4.15% | 6.84% | 7.35% | 7.24% | 4.43% | 4.02% | 6.55% | 5.35% | 5.90% | 6.76% | |
ROIC |
3.88% | 7.39% | 7.92% | 8.29% | 6.63% | 3.81% | 5.58% | 6.77% | 7.68% | 7.85% |
Return on Tangible Assets |
6.11% | 15.12% | 16.86% | 18.83% | 13.46% | 10.41% | 18.45% | 13.67% | 14.52% | 14.64% |
Average Days of Receivables |
22.31 | 12.82 | 9.59 | 9.31 | 80.32 | 125.54 | 73.82 | 76.16 | 79.57 | 109.43 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
8.87% | 6.88% | 6.74% | 6.56% | 6.80% | 6.55% | 5.42% | 5.76% | 5.25% | 6.36% |
Intangible Assets out of Total Assets |
0.44 | 0.45 | 0.48 | 0.42 | 0.45 | 0.50 | 0.49 | 0.47 | 0.45 | 0.43 |
Share Based Compensation of Revenue |
0.38% | 0.17% | 0.32% | 0.47% | 0.18% | 0.30% | 0.40% | 0.43% | 0.44% | 0.55% |
Graham Net Nets |
0.12 | 0.08 | 0.00 | (0.10) | (0.16) | (0.29) | (0.22) | (0.20) | (0.22) | (0.17) |
Graham Number |
40.03 | 45.77 | 47.66 | 52.00 | 42.21 | 55.03 | 69.36 | 68.87 | 76.74 | 92.62 |
Earnings Yield |
3.63% | 4.45% | 4.74% | 4.75% | 3.66% | 4.08% | 6.10% | 4.49% | 5.53% | 4.66% |
Free Cash Flow Yield |
3.81% | 5.64% | 5.80% | 3.25% | 4.79% | 3.32% | 8.44% | 5.87% | 8.28% | 6.64% |
Revenue per Share |
31.10 | 37.19 | 39.77 | 43.34 | 39.31 | 41.46 | 57.80 | 69.34 | 75.36 | 82.62 |
Operating CF per Share |
2.77 | 4.60 | 5.44 | 5.38 | 5.36 | 5.45 | 9.94 | 9.16 | 12.01 | 13.22 |
Capex per Share |
(0.97) | (0.78) | (1.24) | (2.77) | (2.00) | (2.97) | (2.51) | (2.87) | (3.43) | (2.64) |
Free Cash Flow per Share |
1.80 | 3.83 | 4.19 | 2.62 | 3.35 | 2.48 | 7.43 | 6.28 | 8.58 | 10.59 |
Cash per Share |
2.57 | 2.39 | 1.60 | 1.08 | 1.59 | 2.93 | 2.49 | 2.79 | 3.89 | 2.83 |
Shareholders Equity per Share |
41.43 | 30.83 | 29.44 | 31.38 | 30.93 | 44.13 | 39.81 | 43.92 | 45.68 | 51.38 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
41.43 | 30.83 | 29.44 | 31.38 | 30.93 | 44.13 | 39.81 | 43.92 | 45.68 | 51.38 |
Free Cash Flow |
62.99 | 183.22 | 187.76 | 112.62 | 139.22 | 101.78 | 350.82 | 285.54 | 385.64 | 469.12 |
Working Capital |
748.51 | 721.63 | 656.85 | 538.09 | 418.16 | 737.15 | 835.13 | 971.01 | 1,064.34 | 1,448.65 |
Capital Expenditures |
(33.86) | (37.13) | (55.67) | (118.97) | (83.04) | (121.53) | (118.49) | (130.60) | (154.31) | (116.82) |
Net Current Asset Value |
196.92 | 254.75 | 0.02 | (348.42) | (463.82) | (898.97) | (894.44) | (986.90) | (1,019.07) | (1,167.53) |
EV/EBIT |
18.30 | 17.14 | 16.32 | 15.94 | 17.97 | 23.54 | 19.46 | 16.95 | 14.10 | 16.77 |
Capex to Sales |
0.03 | 0.02 | 0.03 | 0.06 | 0.05 | 0.07 | 0.04 | 0.04 | 0.05 | 0.03 |
Price to Operating Income |
14.69 | 15.57 | 13.92 | 13.51 | 14.94 | 16.87 | 14.83 | 12.92 | 10.51 | 12.89 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.14 | 0.24 | 0.18 | 0.13 | 0.12 | 0.13 | 0.94 | 0.80 | 0.70 | 0.46 |
Cash ROIC |
3.16% | 9.20% | 9.48% | 5.55% | 7.08% | 3.16% | 10.40% | 7.66% | 9.74% | 10.18% |
Accounts Receivable Turnover |
10.67 | 27.59 | 32.58 | 39.51 | 8.03 | 3.60 | 4.80 | 5.21 | 4.85 | 3.99 |
Accounts Payable Turnover |
7.04 | 8.59 | 8.98 | 9.99 | 9.33 | 4.78 | 7.63 | 10.87 | 8.46 | 9.48 |
Inventory Turnover |
2.28 | 2.74 | 2.95 | 3.13 | 3.16 | 3.44 | 5.31 | 5.48 | 5.44 | 4.43 |
Average Days of Payables |
82.54 | 36.98 | 43.46 | 31.23 | 41.52 | 114.36 | 0.00 | 0.00 | 35.60 | 42.63 |
Days of Inventory on Hand |
249.60 | 121.37 | 123.36 | 114.43 | 96.48 | 123.25 | 71.87 | 69.27 | 69.43 | 97.69 |
Average Receivables |
102.05 | 64.51 | 54.65 | 47.19 | 203.27 | 471.66 | 568.13 | 604.79 | 698.18 | 918.16 |
Average Payables |
68.65 | 96.84 | 90.63 | 84.66 | 77.16 | 163.12 | 191.89 | 151.26 | 207.93 | 192.08 |
Average Inventory |
212.07 | 303.73 | 275.95 | 270.19 | 227.80 | 226.83 | 275.83 | 300.21 | 323.33 | 410.91 |
Average Assets |
1,449.05 | 2,103.99 | 2,085.38 | 2,273.71 | 2,405.82 | 3,104.32 | 3,870.66 | 4,097.39 | 4,383.45 | 4,888.87 |
Average Common Equity |
940.68 | 1,462.66 | 1,396.72 | 1,334.07 | 1,316.93 | 1,545.97 | 1,843.95 | 1,938.09 | 2,025.29 | 2,165.46 |
Columns are period end dates