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 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

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

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 2026-08-29

Growth is increasingly financed by leverage while improving margins and cash conversion support a capital-intensive expansion.

By FY2025, net profit margin reached 9.0% while debt-to-equity reached 1.0x, so improved earnings coincided with a more leveraged funding structure. The current ratio also climbed to 4.6x, separating stronger short-term balance-sheet coverage from the rise in long-term obligations.

Gross margin expanded from 47.8% in FY2023 to 50.3% in FY2025, indicating improving economics per revenue dollar rather than growth alone. SG&A reached $232.8M even as net income grew faster than revenue, implying the added gross profit more than absorbed higher overhead.

FY2025 operating cash flow of $585.9M exceeded net income of $330.4M, showing reported earnings were accompanied by cash generation. Free cash flow remained $531.0M after $54.9M of capital expenditures, leaving cash available for debt, dividends, and repurchases.

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 47/100.

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 88/100.

Cash Flow

Firstcash Holdings Inc converts 14.5% of revenue into free cash flow ($531.0M). This strong cash generation earns a score of 77/100.

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

$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.

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.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

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.

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.

Margins & Returns

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.

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.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

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.

R&D Spending

Not reported for fiscal year 2025.

FCFS Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FCFS quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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 (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

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$1.1B+2.2%	$1.1B-0.6%	$1.1B+13.1%	$935.6M+12.6%	$830.6M-0.7%	$836.4M-5.4%	$883.8M+5.6%	$837.3M
Cost of Revenue	$285.6M+2.7%	$278.0M-8.8%	$305.0M+22.6%	$248.7M+8.0%	$230.3M+2.8%	$224.1M-10.3%	$249.8M+14.5%	$218.2M
Gross Profit	$533.7M-1.6%	$542.4M+2.4%	$529.9M+11.9%	$473.7M+14.8%	$412.8M-2.7%	$424.2M-2.2%	$433.7M+7.2%	$404.6M
SG&A Expenses	$66.8M+1.6%	$65.8M-0.7%	$66.2M+12.5%	$58.8M-0.7%	$59.3M+22.1%	$48.5M+7.5%	$45.1M+6.8%	$42.2M
Interest Expense	$35.7M+3.4%	$34.5M-2.1%	$35.3M+9.5%	$32.2M+22.3%	$26.3M-4.1%	$27.5M+1.0%	$27.2M-0.8%	$27.4M
Income Tax	$33.5M-10.4%	$37.4M-3.1%	$38.6M+30.1%	$29.7M+39.5%	$21.3M-23.0%	$27.6M+6.3%	$26.0M+27.7%	$20.4M
Net Income	$93.5M-13.2%	$107.7M+3.4%	$104.2M+25.8%	$82.8M+38.5%	$59.8M-28.5%	$83.6M+0.1%	$83.5M+28.9%	$64.8M
EPS (Diluted)	$2.12-12.8%	$2.43+3.4%	$2.35+26.3%	$1.86+38.8%	$1.34-28.3%	$1.87+1.1%	$1.85+28.5%	$1.44

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

FCFS Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FCFS quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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
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
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$5.5B+2.3%	$5.4B+1.1%	$5.3B+2.3%	$5.2B+14.8%	$4.5B+2.0%	$4.4B-1.1%	$4.5B+1.9%	$4.4B
Current Assets	$2.0B+6.0%	$1.9B+2.6%	$1.9B+3.6%	$1.8B+30.4%	$1.4B+3.7%	$1.3B-5.5%	$1.4B+5.6%	$1.3B
Cash & Equivalents	$172.3M+31.8%	$130.7M+4.4%	$125.2M-3.9%	$130.2M+28.4%	$101.5M-30.5%	$146.0M-16.6%	$175.1M+64.7%	$106.3M
Inventory	$570.5M+5.9%	$538.8M+10.6%	$487.2M+6.8%	$456.3M+28.3%	$355.7M+6.3%	$334.7M0.0%	$334.6M+0.1%	$334.4M
Accounts Receivable	N/A	N/A	$115.9M	N/A	N/A	N/A	$73.3M	N/A
Goodwill	$2.0B+0.5%	$2.0B-0.1%	$2.0B+2.7%	$2.0B+7.9%	$1.8B+0.6%	$1.8B+1.6%	$1.8B-0.1%	$1.8B
Total Liabilities	$3.2B+3.3%	$3.1B+1.3%	$3.0B+1.4%	$3.0B+25.6%	$2.4B+0.3%	$2.4B-2.3%	$2.4B+1.2%	$2.4B
Current Liabilities	$413.1M+3.4%	$399.7M-2.0%	$407.8M+13.5%	$359.3M+10.0%	$326.7M+8.2%	$301.9M-11.1%	$339.4M+10.0%	$308.5M
Long-Term Debt	$2.3B+4.1%	$2.3B+2.1%	$2.2B-0.2%	$2.2B+31.4%	$1.7B-1.3%	$1.7B-1.3%	$1.7B-0.1%	$1.7B
Total Equity	$2.3B+1.0%	$2.3B+0.9%	$2.3B+3.5%	$2.2B+2.8%	$2.1B+4.0%	$2.1B+0.2%	$2.1B+2.7%	$2.0B
Retained Earnings	$1.8B+4.3%	$1.8B+5.3%	$1.7B+5.4%	$1.6B+4.2%	$1.5B+2.9%	$1.5B+4.7%	$1.4B+4.9%	$1.3B

FCFS Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FCFS quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$176.8M+15.1%	$153.6M-25.7%	$206.6M+52.2%	$135.8M+16.2%	$116.9M-7.7%	$126.6M-36.1%	$198.1M+75.2%	$113.1M
Investing Cash Flow	-$136.3M-17.6%	-$115.9M+30.0%	-$165.6M+66.1%	-$488.2M-293.5%	-$124.1M-147.4%	-$50.1M+52.7%	-$106.1M+28.1%	-$147.6M
Financing Cash Flow	-$1.4M+95.5%	-$31.6M+35.8%	-$49.2M-113.2%	$371.7M+1013.0%	-$40.7M+61.3%	-$105.3M-454.1%	-$19.0M-160.0%	$31.7M
Dividends Paid	$18.4M-0.2%	$18.5M+0.1%	$18.4M-1.0%	$18.6M+10.5%	$16.9M-0.5%	$16.9M-0.4%	$17.0M0.0%	$17.0M
Share Buybacks	$66.9M+33.9%	$50.0M+96.9%	$25.4M-15.4%	$30.0M+3429.4%	$850K-98.6%	$59.6M	$0	$0

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

FCFS Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

FCFS quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	49.7%-1.9pp	51.6%+1.5pp	50.1%-0.6pp	50.6%+0.9pp	49.7%-1.0pp	50.7%+1.6pp	49.1%+0.8pp	48.3%
Net Margin	8.7%-1.5pp	10.2%+0.4pp	9.8%+1.0pp	8.8%+1.7pp	7.2%-2.8pp	10.0%+0.5pp	9.4%+1.7pp	7.7%
Return on Equity	4.0%-0.7pp	4.7%+0.1pp	4.6%+0.8pp	3.8%+1.0pp	2.8%-1.3pp	4.1%0.0pp	4.1%+0.8pp	3.2%
Return on Assets	1.7%-0.3pp	2.0%0.0pp	2.0%+0.4pp	1.6%+0.3pp	1.3%-0.6pp	1.9%0.0pp	1.9%+0.4pp	1.5%
Current Ratio	4.89+0.1x	4.77+0.2x	4.55-0.4x	4.99+0.8x	4.21-0.2x	4.39+0.3x	4.14-0.2x	4.31
Debt-to-Equity	1.010.0x	0.980.0x	0.970.0x	1.01+0.2x	0.790.0x	0.830.0x	0.840.0x	0.87

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

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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 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.