Firstcash Holdings Inc Financials

FCFS

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Firstcash Holdings Inc (FCFS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 71/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Firstcash Holdings Inc's revenue grew 8.0% year-over-year to $3.7B, a solid pace of expansion. This earns a growth score of 52/100.

Leverage

Firstcash Holdings Inc carries a low D/E ratio of 0.97, meaning only $0.97 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 75/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

100

With a current ratio of 4.55, Firstcash Holdings Inc holds $4.55 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 100/100.

Cash Flow

Firstcash Holdings Inc converts 14.5% of revenue into free cash flow ($531.0M). This strong cash generation earns a score of 73/100.

Returns

Firstcash Holdings Inc's ROE of 14.5% shows moderate profitability relative to equity, earning a score of 58/100. This is up from 12.6% the prior year.

Piotroski F-Score Strong

7/9

Firstcash Holdings Inc passes 7 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 2 of 3 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.

Earnings Quality Cash-Backed

1.77x

For every $1 of reported earnings, Firstcash Holdings Inc generates $1.77 in operating cash flow ($585.9M OCF vs $330.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

$3.7B

YoY+8.0%

5Y CAGR+17.5%

10Y CAGR+17.9%

Firstcash Holdings Inc generated $3.7B in revenue in fiscal year 2025. This represents an increase of 8.0% from the prior year.

EBITDA

N/A

Free Cash Flow

$531.0M

YoY+12.6%

5Y CAGR+23.5%

10Y CAGR+22.2%

Firstcash Holdings Inc generated $531.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 12.6% from the prior year.

Net Income

$330.4M

YoY+27.6%

5Y CAGR+25.4%

10Y CAGR+18.5%

Firstcash Holdings Inc reported $330.4M in net income in fiscal year 2025. This represents an increase of 27.6% from the prior year.

EPS (Diluted)

$7.42

YoY+29.5%

5Y CAGR+23.7%

10Y CAGR+13.2%

Firstcash Holdings Inc earned $7.42 per diluted share (EPS) in fiscal year 2025. This represents an increase of 29.5% from the prior year.

Cash & Debt

$125.2M

YoY-28.5%

5Y CAGR+13.7%

10Y CAGR+3.7%

Firstcash Holdings Inc held $125.2M in cash against $2.2B in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.60

YoY+9.6%

5Y CAGR+8.2%

Firstcash Holdings Inc paid $1.60 per share in dividends in fiscal year 2025. This represents an increase of 9.6% from the prior year.

Shares Outstanding

44M

YoY-1.7%

5Y CAGR+1.4%

10Y CAGR+4.5%

Firstcash Holdings Inc had 44M shares outstanding in fiscal year 2025. This represents a decrease of 1.7% from the prior year.

Gross Margin

50.3%

YoY+2.2pp

5Y CAGR-5.6pp

10Y CAGR-5.2pp

Firstcash Holdings Inc's gross margin was 50.3% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 2.2 percentage points from the prior year.

Operating Margin

N/A

Net Margin

9.0%

YoY+1.4pp

5Y CAGR+2.5pp

10Y CAGR+0.4pp

Firstcash Holdings Inc's net profit margin was 9.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.4 percentage points from the prior year.

Return on Equity

14.5%

YoY+1.9pp

5Y CAGR+6.2pp

10Y CAGR+0.4pp

Firstcash Holdings Inc's ROE was 14.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.9 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$115.8M

YoY+36.3%

5Y CAGR+1.6%

10Y CAGR+11.2%

Firstcash Holdings Inc spent $115.8M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 36.3% from the prior year.

Capital Expenditures

$54.9M

YoY-19.5%

5Y CAGR+7.9%

10Y CAGR+10.0%

Firstcash Holdings Inc invested $54.9M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 19.5% from the prior year.

FCFS Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$3.7B+8.0%	$3.4B+7.5%	$3.2B+15.5%	$2.7B+60.6%	$1.7B+4.1%	$1.6B
Cost of Revenue	$1.0B+10.8%	$909.7M+9.3%	$832.4M+8.9%	$764.6M+15.2%	$663.5M+3.5%	$641.1M
Gross Profit	$1.8B+13.0%	$1.6B+8.1%	$1.5B+19.2%	$1.3B+37.6%	$919.2M+0.9%	$911.1M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$232.8M+30.8%	$178.0M-2.0%	$181.7M+22.8%	$147.9M+33.0%	$111.3M+0.3%	$110.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$121.3M+15.3%	$105.2M+12.9%	$93.2M+31.9%	$70.7M+118.3%	$32.4M+10.4%	$29.3M
Income Tax	$117.2M+39.6%	$84.0M+14.2%	$73.5M+4.9%	$70.1M+68.6%	$41.6M+12.1%	$37.1M
Net Income	$330.4M+27.6%	$258.8M+18.0%	$219.3M-13.5%	$253.5M+102.9%	$124.9M+17.2%	$106.6M
EPS (Diluted)	$7.42+29.5%	$5.73+19.4%	$4.80-10.4%	$5.36+76.3%	$3.04+18.8%	$2.56

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q4'23	Q3'24	Q2'24
Revenue	$1.1B+13.1%	$935.6M+12.6%	$830.6M-0.7%	$836.4M-5.4%	$883.8M+3.7%	$852.1M+8.4%	$786.3M+4.8%	$750.6M
Cost of Revenue	$305.0M+22.6%	$248.7M+8.0%	$230.3M+2.8%	$224.1M-10.3%	$249.8M+3.5%	$241.4M+20.9%	$199.7M+3.9%	$192.3M
Gross Profit	$529.9M+11.9%	$473.7M+14.8%	$412.8M-2.7%	$424.2M-2.2%	$433.7M+3.8%	$417.6M+7.5%	$388.6M+10.1%	$352.9M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$66.2M+12.5%	$58.8M-0.7%	$59.3M+22.1%	$48.5M+7.5%	$45.1M-21.2%	$57.2M+27.0%	$45.1M+11.6%	$40.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$35.3M+9.5%	$32.2M+22.3%	$26.3M-4.1%	$27.5M+1.0%	$27.2M+2.3%	$26.6M+7.7%	$24.7M+17.2%	$21.1M
Income Tax	$38.6M+30.1%	$29.7M+39.5%	$21.3M-23.0%	$27.6M+6.3%	$26.0M+18.7%	$21.9M+6.9%	$20.5M+33.5%	$15.3M
Net Income	$104.2M+25.8%	$82.8M+38.5%	$59.8M-28.5%	$83.6M+0.1%	$83.5M+20.1%	$69.6M+21.8%	$57.1M+26.5%	$45.2M
EPS (Diluted)	$2.35+26.3%	$1.86+38.8%	$1.34-28.3%	$1.87+0.5%	$1.86+21.6%	$1.53+21.4%	$1.26+27.3%	$0.99

FCFS Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$5.3B+18.4%	$4.5B+4.4%	$4.3B+9.9%	$3.9B+1.8%	$3.8B+61.7%	$2.4B
Current Assets	$1.9B+32.3%	$1.4B+7.4%	$1.3B+15.6%	$1.1B+0.1%	$1.1B+80.8%	$624.6M
Cash & Equivalents	$125.2M-28.5%	$175.1M+37.9%	$127.0M+8.3%	$117.3M-2.3%	$120.0M+82.3%	$65.8M
Inventory	$487.2M+45.6%	$334.6M+7.2%	$312.1M+8.2%	$288.3M+9.5%	$263.3M+38.3%	$190.4M
Accounts Receivable	$115.9M+58.0%	$73.3M+2.0%	$71.9M+24.4%	$57.8M+4.4%	$55.4M+34.7%	$41.1M
Goodwill	$2.0B+13.2%	$1.8B+3.4%	$1.7B+9.2%	$1.6B+2.9%	$1.5B+57.2%	$977.4M
Total Liabilities	$3.0B+24.8%	$2.4B+5.6%	$2.3B+13.3%	$2.0B-0.2%	$2.0B+86.4%	$1.1B
Current Liabilities	$407.8M+20.2%	$339.4M+1.1%	$335.6M+13.6%	$295.5M-24.6%	$392.2M+90.0%	$206.4M
Long-Term Debt	$2.2B+27.7%	$1.7B+7.7%	$1.6B+16.8%	$1.4B+6.3%	$1.3B+109.9%	$615.9M
Total Equity	$2.3B+10.8%	$2.1B+2.9%	$2.0B+6.2%	$1.9B+4.0%	$1.8B+40.8%	$1.3B
Retained Earnings	$1.7B+18.4%	$1.4B+15.8%	$1.2B+14.8%	$1.1B+22.4%	$866.7M+9.8%	$789.3M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q4'23	Q3'24	Q2'24
Total Assets	$5.3B+2.3%	$5.2B+14.8%	$4.5B+2.0%	$4.4B-1.1%	$4.5B+4.4%	$4.3B+2.8%	$4.2B+5.4%	$4.0B
Current Assets	$1.9B+3.6%	$1.8B+30.4%	$1.4B+3.7%	$1.3B-5.5%	$1.4B+7.4%	$1.3B+5.8%	$1.2B+7.8%	$1.1B
Cash & Equivalents	$125.2M-3.9%	$130.2M+28.4%	$101.5M-30.5%	$146.0M-16.6%	$175.1M+37.9%	$127.0M+46.8%	$86.5M-17.3%	$104.6M
Inventory	$487.2M+6.8%	$456.3M+28.3%	$355.7M+6.3%	$334.7M0.0%	$334.6M+7.2%	$312.1M-0.7%	$314.4M+17.7%	$267.1M
Accounts Receivable	$115.9M	N/A	N/A	N/A	$73.3M+2.0%	$71.9M	N/A	N/A
Goodwill	$2.0B+2.7%	$2.0B+7.9%	$1.8B+0.6%	$1.8B+1.6%	$1.8B+3.4%	$1.7B+0.8%	$1.7B+7.1%	$1.6B
Total Liabilities	$3.0B+1.4%	$3.0B+25.6%	$2.4B+0.3%	$2.4B-2.3%	$2.4B+5.6%	$2.3B+1.6%	$2.3B+9.4%	$2.1B
Current Liabilities	$407.8M+13.5%	$359.3M+10.0%	$326.7M+8.2%	$301.9M-11.1%	$339.4M+1.1%	$335.6M+5.7%	$317.4M+1.6%	$312.4M
Long-Term Debt	$2.2B-0.2%	$2.2B+31.4%	$1.7B-1.3%	$1.7B-1.3%	$1.7B+7.7%	$1.6B+0.5%	$1.6B+13.1%	$1.4B
Total Equity	$2.3B+3.5%	$2.2B+2.8%	$2.1B+4.0%	$2.1B+0.2%	$2.1B+2.9%	$2.0B+4.1%	$1.9B+1.1%	$1.9B
Retained Earnings	$1.7B+5.4%	$1.6B+4.2%	$1.5B+2.9%	$1.5B+4.7%	$1.4B+15.8%	$1.2B+4.6%	$1.2B+3.7%	$1.1B

FCFS Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$585.9M+8.5%	$540.0M+29.8%	$416.1M-11.3%	$469.3M+110.2%	$223.3M+0.5%	$222.3M
Capital Expenditures	$54.9M-19.5%	$68.2M+13.5%	$60.1M+69.0%	$35.6M-15.3%	$42.0M+11.9%	$37.5M
Free Cash Flow	$531.0M+12.6%	$471.7M+32.5%	$356.0M-17.9%	$433.7M+139.3%	$181.3M-1.9%	$184.7M
Investing Cash Flow	-$828.0M-87.5%	-$441.6M+4.5%	-$462.3M-37.4%	-$336.4M+54.8%	-$744.6M-3558.8%	-$20.4M
Financing Cash Flow	$176.4M+561.9%	-$38.2M-174.4%	$51.3M+136.8%	-$139.3M-124.1%	$577.0M+409.4%	-$186.5M
Dividends Paid	$70.9M+7.8%	$65.8M+6.3%	$61.9M+3.9%	$59.6M+25.3%	$47.5M+6.2%	$44.8M
Share Buybacks	$115.8M+36.3%	$85.0M-25.7%	$114.4M-27.5%	$157.9M+218.2%	$49.6M-53.6%	$107.0M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q4'23	Q3'24	Q2'24
Operating Cash Flow	$206.6M+52.2%	$135.8M+16.2%	$116.9M-7.7%	$126.6M-36.1%	$198.1M+99.9%	$99.1M-11.0%	$111.4M+17.1%	$95.1M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$165.6M+66.1%	-$488.2M-293.5%	-$124.1M-147.4%	-$50.1M+52.7%	-$106.1M-99.6%	-$53.2M+81.3%	-$283.9M-153.3%	-$112.1M
Financing Cash Flow	-$49.2M-113.2%	$371.7M+1013.0%	-$40.7M+61.3%	-$105.3M-454.1%	-$19.0M-157.0%	-$7.4M-104.7%	$156.6M+765.9%	$18.1M
Dividends Paid	$18.4M-1.0%	$18.6M+10.5%	$16.9M-0.5%	$16.9M-0.4%	$17.0M+7.7%	$15.8M+1.9%	$15.5M+1.3%	$15.3M
Share Buybacks	$25.4M-15.4%	$30.0M+3429.4%	$850K-98.6%	$59.6M	$0+100.0%	-$1.1M-108.4%	$13.7M-60.5%	$34.6M

FCFS Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	50.3%+2.2pp	48.1%+0.3pp	47.8%+1.5pp	46.3%-7.8pp	54.1%-1.7pp	55.9%
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	9.0%+1.4pp	7.6%+0.7pp	7.0%-2.3pp	9.3%+1.9pp	7.3%+0.8pp	6.5%
Return on Equity	14.5%+1.9pp	12.6%+1.6pp	11.0%-2.5pp	13.5%+6.6pp	6.9%-1.4pp	8.3%
Return on Assets	6.2%+0.5pp	5.8%+0.7pp	5.1%-1.4pp	6.5%+3.2pp	3.3%-1.2pp	4.5%
Current Ratio	4.55+0.4	4.14+0.2	3.89+0.1	3.83+0.9	2.88-0.1	3.03
Debt-to-Equity	0.97+0.1	0.84+0.0	0.80+0.1	0.73+0.0	0.72+0.2	0.48
FCF Margin	14.5%+0.6pp	13.9%+2.6pp	11.3%-4.6pp	15.9%+5.2pp	10.7%-0.6pp	11.3%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q4'23	Q3'24	Q2'24
Gross Margin	50.1%-0.6pp	50.6%+0.9pp	49.7%-1.0pp	50.7%+1.6pp	49.1%+0.1pp	49.0%-0.4pp	49.4%+2.4pp	47.0%
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	9.8%+1.0pp	8.8%+1.7pp	7.2%-2.8pp	10.0%+0.5pp	9.4%+1.3pp	8.2%+0.9pp	7.3%+1.3pp	6.0%
Return on Equity	4.6%+0.8pp	3.8%+1.0pp	2.8%-1.3pp	4.1%-0.0pp	4.1%+0.6pp	3.5%+0.5pp	3.0%+0.6pp	2.4%
Return on Assets	2.0%+0.4pp	1.6%+0.3pp	1.3%-0.6pp	1.9%+0.0pp	1.9%+0.3pp	1.6%+0.2pp	1.4%+0.2pp	1.1%
Current Ratio	4.55-0.4	4.99+0.8	4.21-0.2	4.39+0.3	4.14+0.2	3.890.0	3.89+0.2	3.66
Debt-to-Equity	0.97-0.0	1.01+0.2	0.79-0.0	0.83-0.0	0.84+0.0	0.80-0.0	0.83+0.1	0.74
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Firstcash Holdings Inc's annual revenue?

Firstcash Holdings Inc (FCFS) reported $3.7B in total revenue for fiscal year 2025. This represents a 8.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Firstcash Holdings Inc's revenue growing?

Firstcash Holdings Inc (FCFS) revenue grew by 8% year-over-year, from $3.4B to $3.7B in fiscal year 2025.

Is Firstcash Holdings Inc profitable?

Yes, Firstcash Holdings Inc (FCFS) reported a net income of $330.4M in fiscal year 2025, with a net profit margin of 9.0%.

What is Firstcash Holdings Inc's earnings per share (EPS)?

Firstcash Holdings Inc (FCFS) reported diluted earnings per share of $7.42 for fiscal year 2025. This represents a 29.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

How much debt does Firstcash Holdings Inc have?

As of fiscal year 2025, Firstcash Holdings Inc (FCFS) had $125.2M in cash and equivalents against $2.2B in long-term debt.

What is Firstcash Holdings Inc's gross margin?

Firstcash Holdings Inc (FCFS) had a gross margin of 50.3% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is Firstcash Holdings Inc's net profit margin?

Firstcash Holdings Inc (FCFS) had a net profit margin of 9.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Firstcash Holdings Inc pay dividends?

Yes, Firstcash Holdings Inc (FCFS) paid $1.60 per share in dividends during fiscal year 2025.

What is Firstcash Holdings Inc's return on equity (ROE)?

Firstcash Holdings Inc (FCFS) has a return on equity of 14.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Firstcash Holdings Inc's free cash flow?

Firstcash Holdings Inc (FCFS) generated $531.0M in free cash flow during fiscal year 2025. This represents a 12.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Firstcash Holdings Inc's operating cash flow?

Firstcash Holdings Inc (FCFS) generated $585.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Firstcash Holdings Inc's total assets?

Firstcash Holdings Inc (FCFS) had $5.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Firstcash Holdings Inc's capital expenditures?

Firstcash Holdings Inc (FCFS) invested $54.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Firstcash Holdings Inc buy back shares?

Yes, Firstcash Holdings Inc (FCFS) spent $115.8M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Firstcash Holdings Inc have outstanding?

Firstcash Holdings Inc (FCFS) had 44M shares outstanding as of fiscal year 2025.

What is Firstcash Holdings Inc's current ratio?

Firstcash Holdings Inc (FCFS) had a current ratio of 4.55 as of fiscal year 2025, which is generally considered healthy.

What is Firstcash Holdings Inc's debt-to-equity ratio?

Firstcash Holdings Inc (FCFS) had a debt-to-equity ratio of 0.97 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Firstcash Holdings Inc's return on assets (ROA)?

Firstcash Holdings Inc (FCFS) had a return on assets of 6.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Firstcash Holdings Inc's Piotroski F-Score?

Firstcash Holdings Inc (FCFS) has a Piotroski F-Score of 7 out of 9, indicating strong financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Firstcash Holdings Inc's earnings high quality?

Firstcash Holdings Inc (FCFS) has an earnings quality ratio of 1.77x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Firstcash Holdings Inc?

Firstcash Holdings Inc (FCFS) scores 71 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.