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.

FirstCash Holdings, Inc. (FCFS) Financials

FCFS

FY2025 annual

Revenue $3.7B +8.0% YoY

Net Income $330.4M +27.6% YoY

EPS (Diluted) $7.42 +29.5% YoY

Free Cash Flow $531.0M +12.6% YoY

Market Cap $9.3B as of Oct 17, 2026

Price / Sales 2.3x on $4.1B revenue, trailing 12 months to June 30, 2026

Price / Earnings 24.1x on $388.1M net income, trailing 12 months to June 30, 2026

Price / Book 4.0x on $2.3B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 17, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 27, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 27, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FCFS SEC filings page.

FirstCash Holdings, Inc. (FCFS) reported $3.7B in revenue for fiscal year 2025, up 8.0% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI FCFS FY2025 2026-10-03

The business converts earnings into cash while expanding through a more debt-funded balance sheet.

Operating cash flow of $586M exceeded net income of $330M, showing that reported profit translated into more cash than it recognized. Free cash flow of $531M against $55M of capital expenditures indicates the core operation is relatively cash-generative without heavy routine reinvestment.

Gross margin widened from 46.3% in FY2022 to 50.3% in FY2025, showing that the revenue economics became more favorable as the business expanded. Net margin recovered from 7.0% in FY2023 to 9.0% in FY2025, so more gross profit reached the bottom line despite rising interest expense.

In FY2025, goodwill reached $2.0B while long-term debt reached $2.2B, indicating expansion added both a larger intangible asset base and borrowing. Debt-to-equity reached 1.0x, up from 0.8x in FY2023; the balance sheet is carrying more leverage even as short-term coverage improved.

Financial Health Signals

Financial Health Score 45/100

Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of FirstCash Holdings, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

Not available for FirstCash Holdings, Inc., and counted as zero in the overall score.

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 59/100.

Leverage

FirstCash Holdings, Inc. has a moderate D/E ratio of 0.97. This balance of debt and equity financing earns a leverage score of 48/100.

Liquidity

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 90/100.

Cash Flow

FirstCash Holdings, Inc. converts 14.5% of revenue into free cash flow ($531.0M). This strong cash generation earns a score of 75/100.

Returns

Not available for FirstCash Holdings, Inc., and counted as zero in the overall score.

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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Earnings & Revenue

Revenue

$1.1B

YoY+29.4%

QoQ+2.2%

5Y CAGR+22.5%

10Y CAGR+19.4%

FirstCash Holdings, Inc. generated $1.1B in revenue in Q2 2026. This represents an increase of 29.4% from the same quarter a year earlier. Against the prior quarter it is up 2.2%.

Net Income

$93.5M

YoY+56.3%

QoQ-13.2%

5Y CAGR+26.9%

10Y CAGR+23.1%

FirstCash Holdings, Inc. reported $93.5M in net income in Q2 2026. This represents an increase of 56.3% from the same quarter a year earlier. Against the prior quarter it is down 13.2%.

EPS (Diluted)

$2.12

YoY+58.2%

QoQ-12.8%

5Y CAGR+24.8%

10Y CAGR+17.9%

FirstCash Holdings, Inc. earned $2.12 per diluted share (EPS) in Q2 2026. This represents an increase of 58.2% from the same quarter a year earlier. Against the prior quarter it is down 12.8%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$172.3M

YoY+69.8%

QoQ+31.8%

5Y CAGR+28.0%

10Y CAGR+14.0%

FirstCash Holdings, Inc. held $172.3M in cash against $2.3B in long-term debt as of Q2 2026.

Dividends Per Share

$0.42

YoY+10.5%

QoQ0.0%

FirstCash Holdings, Inc. paid $0.42 per share in dividends in Q2 2026. This represents an increase of 10.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

43M

YoY-2.2%

QoQ-1.1%

5Y CAGR+1.4%

10Y CAGR+4.4%

FirstCash Holdings, Inc. had 43M shares outstanding in Q2 2026. This represents a decrease of 2.2% from the same quarter a year earlier. Against the prior quarter it is down 1.1%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Gross Margin

49.7%

YoY0.0pp

QoQ-1.9pp

5Y change-7.9pp

10Y change-6.1pp

FirstCash Holdings, Inc.'s gross margin was 49.7% in Q2 2026, indicating the percentage of revenue retained after direct costs. That is unchanged from the same quarter a year earlier. Against the prior quarter it is down 1.9 percentage points.

Net Margin

8.7%

YoY+1.5pp

QoQ-1.5pp

5Y change+1.4pp

10Y change+2.3pp

FirstCash Holdings, Inc.'s net profit margin was 8.7% in Q2 2026, showing the share of revenue converted to profit. This is up 1.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.5 percentage points.

Return on Equity

4.0%

YoY+1.2pp

QoQ-0.7pp

5Y change+1.8pp

10Y change+1.3pp

FirstCash Holdings, Inc.'s ROE was 4.0% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 1.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.7 percentage points.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$66.9M

YoY+7775.1%

QoQ+33.9%

5Y CAGR+16.3%

FirstCash Holdings, Inc. spent $66.9M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 7775.1% from the same quarter a year earlier. Against the prior quarter it is up 33.9%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

FCFS Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FCFS quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$4.1B	$3.7B+8.0%	$3.4B+7.5%	$3.2B+15.5%	$2.7B+60.6%	$1.7B+4.1%	$1.6B-12.5%	$1.9B+4.7%	$1.8B+0.1%	$1.8B+63.5%	$1.1B+54.5%	$704.6M-1.2%	$712.9M+7.9%	$660.8M+11.6%	$592.1M+15.2%	$514.0M
Cost of Revenue	$1.1B	$1.0B+10.8%	$909.7M+9.3%	$832.4M+8.9%	$764.6M+15.2%	$663.5M+3.5%	$641.1M-14.0%	$745.9M+7.1%	$696.7M+2.5%	$679.7M+62.4%	$418.6M+33.5%	$313.4M+0.5%	$312.0M+7.1%	$291.3M+13.5%	$256.6M+14.2%	$224.7M
Gross Profit	$2.1B	$1.8B+13.0%	$1.6B+8.1%	$1.5B+19.2%	$1.3B+37.6%	$919.2M+0.9%	$911.1M-10.5%	$1.0B+5.3%	$966.8M+2.0%	$947.5M+56.7%	$604.8M+54.6%	$391.2M-2.4%	$400.9M+8.5%	$369.6M+10.1%	$335.5M+16.0%	$289.3M
SG&A Expenses	$257.7M	$232.8M+30.8%	$178.0M-2.0%	$181.7M+22.8%	$147.9M+33.0%	$111.3M+0.3%	$110.9M-9.3%	$122.3M+1.9%	$120.0M-2.0%	$122.5M+26.9%	$96.5M+86.1%	$51.9M-3.2%	$53.6M+8.2%	$49.5M-1.4%	$50.2M+10.9%	$45.3M
Interest Expense	$137.7M	$121.3M+15.3%	$105.2M+12.9%	$93.2M+31.9%	$70.7M+118.3%	$32.4M+10.4%	$29.3M-13.8%	$34.0M+16.7%	$29.2M+21.4%	$24.0M+18.3%	$20.3M+20.3%	$16.9M+24.8%	$13.5M+287.4%	$3.5M+134.7%	$1.5M+1002.2%	$135K
Income Tax	$139.2M	$117.2M+39.6%	$84.0M+14.2%	$73.5M+4.9%	$70.1M+68.6%	$41.6M+12.1%	$37.1M-38.1%	$60.0M+15.1%	$52.1M+83.3%	$28.4M-14.7%	$33.3M+23.5%	$27.0M-14.5%	$31.5M-11.7%	$35.7M-13.7%	$41.4M+12.0%	$37.0M
Net Income	$388.1M	$330.4M+27.6%	$258.8M+18.0%	$219.3M-13.5%	$253.5M+102.9%	$124.9M+17.2%	$106.6M-35.3%	$164.6M+7.4%	$153.2M+6.5%	$143.9M+139.3%	$60.1M-1.0%	$60.7M-28.7%	$85.2M+1.6%	$83.8M+4.3%	$80.4M+3.3%	$77.8M
EPS (Basic)	N/A	$7.46+29.5%	$5.76+19.5%	$4.82-10.2%	$5.37+76.1%	$3.05+18.7%	$2.57-32.9%	$3.83+12.0%	$3.42+13.6%	$3.01+75.0%	$1.72-20.4%	$2.16-27.3%	$2.97+2.8%	$2.89+4.0%	$2.78+9.9%	$2.53
EPS (Diluted)	$8.76	$7.42+29.5%	$5.73+19.4%	$4.80-10.4%	$5.36+76.3%	$3.04+18.8%	$2.56-32.8%	$3.81+11.7%	$3.41+13.7%	$3.00+74.4%	$1.72-19.6%	$2.14-27.0%	$2.93+3.2%	$2.84+5.2%	$2.70+9.3%	$2.47
Diluted Shares (Avg)	N/A	45M-1.4%	45M-1.1%	46M-3.5%	47M+15.4%	41M-1.4%	42M-3.7%	43M-3.7%	45M-6.3%	48M+36.8%	35M+23.6%	28M-2.6%	29M-1.7%	30M-0.5%	30M-5.7%	31M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$1.1B+29.4%	$1.1B+25.7%	$1.1B+19.8%	$935.6M+11.7%	$830.6M0.0%	$836.4M0.0%	$883.8M+3.7%	$837.3M+6.5%
Cost of Revenue	$285.6M+24.0%	$278.0M+24.1%	$305.0M+22.1%	$248.7M+14.0%	$230.3M+5.6%	$224.1M+0.3%	$249.8M+3.5%	$218.2M+9.2%
Gross Profit	$533.7M+29.3%	$542.4M+27.9%	$529.9M+22.2%	$473.7M+17.1%	$412.8M+4.4%	$424.2M+7.2%	$433.7M+3.8%	$404.6M+4.1%
SG&A Expenses	$66.8M+12.8%	$65.8M+35.6%	$66.2M+46.7%	$58.8M+39.3%	$59.3M+27.2%	$48.5M+10.2%	$45.1M-21.2%	$42.2M-6.3%
Interest Expense	$35.7M+35.6%	$34.5M+25.7%	$35.3M+29.7%	$32.2M+17.5%	$26.3M+4.6%	$27.5M+8.1%	$27.2M+2.3%	$27.4M+11.1%
Income Tax	$33.5M+57.6%	$37.4M+35.5%	$38.6M+48.6%	$29.7M+45.8%	$21.3M+24.4%	$27.6M+34.6%	$26.0M+18.7%	$20.4M-0.6%
Net Income	$93.5M+56.3%	$107.7M+28.8%	$104.2M+24.7%	$82.8M+27.7%	$59.8M+21.9%	$83.6M+36.2%	$83.5M+20.1%	$64.8M+13.4%
EPS (Basic)	$2.13+57.8%	$2.44+30.5%	$2.37+26.7%	$1.87+29.0%	$1.35+23.9%	$1.87+37.5%	$1.87+22.2%	$1.45+14.2%
EPS (Diluted)	$2.12+58.2%	$2.43+29.9%	$2.35+27.0%	$1.86+29.2%	$1.34+24.1%	$1.87+38.5%	$1.85+20.9%	$1.44+14.3%
Diluted Shares (Avg)	44M-1.2%	44M-1.2%	N/A	44M-1.1%	45M-1.6%	45M-1.3%	N/A	45M-0.9%

Not reported in any period shown, so not listed: R&D Expenses, Operating Income, EBITDA.

FCFS Balance Sheet

FCFS quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$5.3B+18.4%	$4.5B+4.4%	$4.3B+9.9%	$3.9B+1.8%	$3.8B+61.7%	$2.4B-2.8%	$2.4B+15.7%	$2.1B+2.2%	$2.1B-3.8%	$2.1B+184.9%	$752.9M+5.8%	$711.9M+8.0%	$659.0M+29.8%	$507.7M+42.2%	$357.1M
Current Assets	$1.9B+32.3%	$1.4B+7.4%	$1.3B+15.6%	$1.1B+0.1%	$1.1B+80.8%	$624.6M-15.7%	$741.0M-6.2%	$789.9M-6.2%	$842.2M-5.6%	$892.1M+174.1%	$325.4M+8.2%	$300.8M+3.6%	$290.2M+20.2%	$241.4M+14.7%	$210.5M
Cash & Equivalents	$125.2M-28.5%	$175.1M+37.9%	$127.0M+8.3%	$117.3M-2.3%	$120.0M+82.3%	$65.8M+41.5%	$46.5M-35.2%	$71.8M-37.3%	$114.4M+27.2%	$90.0M+3.5%	$87.0M+27.9%	$68.0M-3.8%	$70.6M+40.5%	$50.3M-28.5%	$70.3M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Inventory	$487.2M+45.6%	$334.6M+7.2%	$312.1M+8.2%	$288.3M+9.5%	$263.3M+38.3%	$190.4M-28.2%	$265.3M-3.6%	$275.1M-0.6%	$276.8M-16.3%	$330.7M+253.8%	$93.5M+2.6%	$91.1M+17.1%	$77.8M+19.0%	$65.3M+47.1%	$44.4M
Accounts Receivable	$115.9M+58.0%	$73.3M+2.0%	$71.9M+24.4%	$57.8M+4.4%	$55.4M+34.7%	$41.1M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$2.0B+13.2%	$1.8B+3.4%	$1.7B+9.2%	$1.6B+2.9%	$1.5B+57.2%	$977.4M+3.0%	$948.6M+3.4%	$917.4M+10.4%	$831.1M0.0%	$831.2M+181.2%	$295.6M+6.8%	$276.9M+10.2%	$251.2M+51.0%	$166.4M+138.9%	$69.7M
Total Liabilities	$3.0B+24.8%	$2.4B+5.6%	$2.3B+13.3%	$2.0B-0.2%	$2.0B+86.4%	$1.1B-0.1%	$1.1B+37.9%	$789.9M+34.5%	$587.5M-15.5%	$695.2M+116.2%	$321.5M+13.9%	$282.2M+15.4%	$244.6M+57.5%	$155.3M+272.2%	$41.7M
Current Liabilities	$407.8M+20.2%	$339.4M+1.1%	$335.6M+13.6%	$295.5M-24.6%	$392.2M+90.0%	$206.4M+1.7%	$202.9M+52.5%	$133.0M+10.3%	$120.6M-16.1%	$143.6M+211.1%	$46.2M+8.5%	$42.6M-12.7%	$48.8M+56.5%	$31.1M-12.0%	$35.4M
Non-Current Liabilities	$2.6B+25.6%	$2.1B+6.4%	$2.0B+13.2%	$1.7B+5.7%	$1.6B+85.5%	$882.0M-0.5%	$886.5M+35.0%	$656.8M+40.7%	$466.9M-15.4%	$551.6M+100.3%	$275.3M+14.9%	$239.6M+22.3%	$195.9M+57.8%	$124.1M+1864.3%	$6.3M
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-2.5%	$631.6M+6.9%	$590.9M+46.9%	$402.2M-12.6%	$460.0M+78.3%	$258.0M+16.0%	$222.4M+16.8%	$190.4M+66.9%	$114.1M	$0
Total Equity	$2.3B+10.8%	$2.1B+2.9%	$2.0B+6.2%	$1.9B+4.0%	$1.8B+40.8%	$1.3B-4.9%	$1.4B+2.4%	$1.3B-10.7%	$1.5B+1.7%	$1.4B+236.1%	$431.4M-0.7%	$434.4M+4.8%	$414.4M+17.6%	$352.4M+11.7%	$315.4M
Retained Earnings	$1.7B+18.4%	$1.4B+15.8%	$1.2B+14.8%	$1.1B+22.4%	$866.7M+9.8%	$789.3M+8.5%	$727.5M+19.9%	$606.8M+22.7%	$494.5M+27.6%	$387.4M-39.8%	$643.6M+10.4%	$582.9M+17.1%	$497.7M+20.3%	$413.9M+24.1%	$333.5M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$5.5B+21.5%	$5.4B+21.1%	$5.3B+18.4%	$5.2B+18.0%	$4.5B+4.4%	$4.4B+4.2%	$4.5B+4.4%	$4.4B+5.2%
Current Assets	$2.0B+46.8%	$1.9B+43.6%	$1.9B+32.3%	$1.8B+34.8%	$1.4B+8.0%	$1.3B+5.5%	$1.4B+7.4%	$1.3B+7.7%
Cash & Equivalents	$172.3M+69.8%	$130.7M-10.5%	$125.2M-28.5%	$130.2M+22.5%	$101.5M-10.8%	$146.0M+8.1%	$175.1M+37.9%	$106.3M+22.8%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Inventory	$570.5M+60.4%	$538.8M+61.0%	$487.2M+45.6%	$456.3M+36.4%	$355.7M+12.8%	$334.7M+10.7%	$334.6M+7.2%	$334.4M+6.4%
Accounts Receivable	N/A	N/A	$115.9M+58.0%	N/A	N/A	N/A	$73.3M+2.0%	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$2.0B+11.2%	$2.0B+11.3%	$2.0B+13.2%	$2.0B+10.2%	$1.8B+1.7%	$1.8B+4.9%	$1.8B+3.4%	$1.8B+4.4%
Total Liabilities	$3.2B+33.3%	$3.1B+29.4%	$3.0B+24.8%	$3.0B+24.6%	$2.4B+1.3%	$2.4B+7.5%	$2.4B+5.6%	$2.4B+6.1%
Current Liabilities	$413.1M+26.4%	$399.7M+32.4%	$407.8M+20.2%	$359.3M+16.5%	$326.7M+3.5%	$301.9M-4.2%	$339.4M+1.1%	$308.5M-2.8%
Non-Current Liabilities	$2.8B+34.4%	$2.7B+28.9%	$2.6B+25.6%	$2.6B+25.8%	$2.0B+0.9%	$2.1B+9.5%	$2.1B+6.4%	$2.1B+7.5%
Long-Term Debt	$2.3B+39.2%	$2.3B+32.0%	$2.2B+27.7%	$2.2B+27.9%	$1.7B+0.3%	$1.7B+10.6%	$1.7B+7.7%	$1.7B+8.3%
Total Equity	$2.3B+8.5%	$2.3B+11.6%	$2.3B+10.8%	$2.2B+10.0%	$2.1B+8.2%	$2.1B+0.6%	$2.1B+2.9%	$2.0B+4.3%
Retained Earnings	$1.8B+20.7%	$1.8B+19.1%	$1.7B+18.4%	$1.6B+17.9%	$1.5B+17.3%	$1.5B+16.9%	$1.4B+15.8%	$1.3B+15.5%

FCFS Cash Flow Statement

FCFS quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$672.9M	$585.9M+8.5%	$540.0M+29.8%	$416.1M-11.3%	$469.3M+110.2%	$223.3M+0.5%	$222.3M-4.0%	$231.6M-4.9%	$243.4M+10.5%	$220.4M+127.5%	$96.9M+4.4%	$92.7M-5.0%	$97.7M-8.5%	$106.7M+20.2%	$88.8M+10.5%	$80.4M
Stock-Based Compensation	N/A	$20.3M+37.0%	$14.8M+8.1%	$13.7M+26.0%	$10.9M+110.7%	$5.2M+76.7%	$2.9M-66.4%	$8.7M+50.0%	$5.8M+88.5%	$3.1M-26.5%	$4.2M+873.0%	$429K-78.3%	$2.0M+257.9%	$553K-57.5%	$1.3M+75.2%	$742K
Capital Expenditures	N/A	$54.9M-19.5%	$68.2M+13.5%	$60.1M+69.0%	$35.6M-15.3%	$42.0M+11.9%	$37.5M-15.3%	$44.3M+24.2%	$35.7M+37.4%	$26.0M+27.0%	$20.5M-2.9%	$21.1M-12.0%	$24.0M-10.2%	$26.7M+22.1%	$21.8M-24.6%	$29.0M
Free Cash Flow	N/A	$531.0M+12.6%	$471.7M+32.5%	$356.0M-17.9%	$433.7M+139.3%	$181.3M-1.9%	$184.7M-1.4%	$187.3M-9.9%	$207.8M+6.9%	$194.4M+154.4%	$76.4M+6.6%	$71.7M-2.8%	$73.7M-7.9%	$80.0M+19.6%	$67.0M+30.3%	$51.4M
Investing Cash Flow	-$906.0M	-$828.0M-87.5%	-$441.6M+4.5%	-$462.3M-37.4%	-$336.4M+54.8%	-$744.6M-3558.8%	-$20.4M+85.2%	-$137.1M+13.9%	-$159.2M-11499.2%	$1.4M+105.4%	-$26.0M+63.8%	-$71.7M+16.0%	-$85.4M+39.3%	-$140.7M+12.0%	-$159.9M-623.4%	-$22.1M
Financing Cash Flow	$289.4M	$176.4M+561.9%	-$38.2M-174.4%	$51.3M+136.8%	-$139.3M-124.1%	$577.0M+409.4%	-$186.5M-54.4%	-$120.8M+4.9%	-$127.1M+35.7%	-$197.5M-236.4%	-$58.7M-743.3%	$9.1M+200.3%	-$9.1M-116.6%	$54.6M+10.3%	$49.5M+194.2%	-$52.6M
Dividends Paid	$73.9M	$70.9M+7.8%	$65.8M+6.3%	$61.9M+3.9%	$59.6M+25.3%	$47.5M+6.2%	$44.8M+1.8%	$44.0M+7.6%	$40.9M+10.9%	$36.8M+86.0%	$19.8M	$0	$0	$0	N/A	N/A
Share Buybacks	$172.3M	$115.8M+36.3%	$85.0M-25.7%	$114.4M-27.5%	$157.9M+218.2%	$49.6M-53.6%	$107.0M-7.9%	$116.1M-57.6%	$273.7M+198.3%	$91.7M	$0-100.0%	$40.0M-9.0%	$43.9M+13.6%	$38.7M-36.9%	$61.3M+10.8%	$55.3M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$176.8M+51.3%	$153.6M+21.3%	$206.6M+4.3%	$135.8M+20.1%	$116.9M+10.0%	$126.6M+3.4%	$198.1M+99.9%	$113.1M+1.5%
Stock-Based Compensation	N/A	$5.4M+20.5%	N/A	N/A	N/A	$4.5M+8.8%	N/A	N/A
Investing Cash Flow	-$136.3M-9.8%	-$115.9M-131.1%	-$165.6M-56.1%	-$488.2M-230.7%	-$124.1M+21.6%	-$50.1M-69.2%	-$106.1M-99.6%	-$147.6M+48.0%
Financing Cash Flow	-$1.4M+96.5%	-$31.6M+70.0%	-$49.2M-159.1%	$371.7M+1073.8%	-$40.7M-219.4%	-$105.3M-24.0%	-$19.0M-157.0%	$31.7M-79.8%
Dividends Paid	$18.4M+9.2%	$18.5M+8.9%	$18.4M+8.4%	$18.6M+9.6%	$16.9M+5.9%	$16.9M+7.0%	$17.0M+7.7%	$17.0M+9.8%
Share Buybacks	$66.9M+7775.1%	$50.0M-16.1%	$25.4M	$30.0M	$850K-99.0%	$59.6M	$0-100.0%	$0-100.0%

Not reported in any period shown, so not listed: Depreciation & Amortization, Capital Expenditures, Free Cash Flow.

FCFS Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FCFS quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Gross Margin	50.3%+2.2pp	48.1%+0.3pp	47.8%+1.5pp	46.3%-7.8pp	54.1%-1.7pp	55.9%+1.2pp	54.6%+0.3pp	54.3%+1.1pp	53.2%-2.3pp	55.6%0.0pp	55.5%-0.7pp	56.2%+0.3pp	55.9%-0.7pp	56.7%+0.4pp	56.3%
Net Margin	9.0%+1.4pp	7.6%+0.7pp	7.0%-2.3pp	9.3%+1.9pp	7.3%+0.8pp	6.5%-2.3pp	8.8%+0.2pp	8.6%+0.5pp	8.1%+2.6pp	5.5%-3.1pp	8.6%-3.3pp	11.9%-0.7pp	12.7%-0.9pp	13.6%-1.6pp	15.1%
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%-3.9pp	12.2%+0.6pp	11.6%+1.9pp	9.8%+5.6pp	4.2%-9.9pp	14.1%-5.5pp	19.6%-0.6pp	20.2%-2.6pp	22.8%-1.9pp	24.7%
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%-2.3pp	6.8%-0.5pp	7.3%+0.3pp	7.0%+4.2pp	2.8%-5.3pp	8.1%-3.9pp	12.0%-0.8pp	12.7%-3.1pp	15.8%-5.9pp	21.8%
Current Ratio	4.55+0.4x	4.14+0.2x	3.89+0.1x	3.83+0.9x	2.88-0.1x	3.03-0.6x	3.65-2.3x	5.94-1.0x	6.99+0.8x	6.21-0.8x	7.050.0x	7.07+1.1x	5.95-1.8x	7.75+1.8x	5.94
Debt-to-Equity	0.97+0.1x	0.840.0x	0.80+0.1x	0.730.0x	0.72+0.2x	0.480.0x	0.470.0x	0.45+0.2x	0.270.0x	0.32-0.3x	0.60+0.1x	0.51+0.1x	0.46+0.1x	0.32+0.3x	0.00
Asset Turnover	0.69-0.1x	0.760.0x	0.730.0x	0.70+0.3x	0.44-0.2x	0.69-0.1x	0.76-0.1x	0.840.0x	0.86+0.4x	0.51-0.4x	0.94-0.1x	1.000.0x	1.00-0.2x	1.17-0.3x	1.44
FCF Margin	14.5%+0.6pp	13.9%+2.6pp	11.3%-4.6pp	15.9%+5.2pp	10.7%-0.6pp	11.3%+1.3pp	10.1%-1.6pp	11.7%+0.7pp	10.9%+3.9pp	7.0%-3.1pp	10.2%-0.2pp	10.3%-1.8pp	12.1%+0.8pp	11.3%+1.3pp	10.0%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Gross Margin	49.7%0.0pp	51.6%+0.9pp	50.1%+1.0pp	50.6%+2.3pp	49.7%+2.1pp	50.7%+3.4pp	49.1%+0.1pp	48.3%-1.1pp
Net Margin	8.7%+1.5pp	10.2%+0.3pp	9.8%+0.4pp	8.8%+1.1pp	7.2%+1.3pp	10.0%+2.6pp	9.4%+1.3pp	7.7%+0.5pp
Return on Equity	4.0%+1.2pp	4.7%+0.6pp	4.6%+0.5pp	3.8%+0.5pp	2.8%+0.3pp	4.1%+1.1pp	4.1%+0.6pp	3.2%+0.3pp
Return on Assets	1.7%+0.4pp	2.0%+0.1pp	2.0%+0.1pp	1.6%+0.1pp	1.3%+0.2pp	1.9%+0.5pp	1.9%+0.3pp	1.5%+0.1pp
Current Ratio	4.89+0.7x	4.77+0.4x	4.55+0.4x	4.99+0.7x	4.21+0.2x	4.39+0.4x	4.14+0.2x	4.31+0.4x
Debt-to-Equity	1.01+0.2x	0.98+0.2x	0.97+0.1x	1.01+0.1x	0.79-0.1x	0.83+0.1x	0.840.0x	0.870.0x
Asset Turnover	0.200.0x	0.200.0x	0.200.0x	0.180.0x	0.180.0x	0.190.0x	0.200.0x	0.190.0x

Not reported in any period shown, so not listed: Operating Margin, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
FirstCash Holdings, Inc. FCFS	FY2025	$3.7B	$330.4M	9.0%	$9.3B	45/100
OneMain Holdings, Inc. OMF	FY2025	$4.9B	$783.0M	16.0%	$6.4B	11/100
SLM Corporation SLM	FY2025	$2.0B	$744.8M	37.5%	$4.1B	13/100
Upstart Holdings, Inc. UPST	FY2025	$1.0B	$53.6M	5.1%	$2.3B	25/100
Credit Acceptance Corp CACC	FY2025	$2.3B	$424	0.0%	$5.6B	30/100
Nelnet, Inc. NNI	FY2025	$851.5M	$428.5M	50.3%	$4.6B	23/100

Where FirstCash Holdings, Inc. Ranks

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 8.0% 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%.

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 P/E ratio?

FirstCash Holdings, Inc. (FCFS) trades at 24.1x earnings, its market capitalization divided by net income of $388.1M net income, trailing 12 months to June 30, 2026. The market capitalization is $9.3B as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is FirstCash Holdings, Inc.'s price-to-sales ratio?

FirstCash Holdings, Inc. (FCFS) trades at 2.3x sales, its market capitalization divided by revenue of $4.1B revenue, trailing 12 months to June 30, 2026. The market capitalization is $9.3B as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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 to 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 45 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.