FirstCash Holdings Inc. | Mid-cap | Financial Services
$154.41
-0.96%
| FirstCash Holdings Stock Comparison:
FirstCash Holdings vs VisaFirstCash Holdings vs MastercardFirstCash Holdings vs OneMain HoldingsFirstCash Holdings vs Credit AcceptanceFirstCash Holdings vs SLMFirstCash Holdings vs S&P 500 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Jun 2025

Income Metrics

Revenue 830.6M
Gross Profit 412.8M 49.70%
Operating Income 105.2M 12.66%
Net Income 59.8M 7.20%
EPS (Diluted) $1.34

Balance Sheet Metrics

Total Assets 4.4B
Total Liabilities 2.4B
Shareholders Equity 2.1B
Debt to Equity 1.15

Cash Flow Metrics

Operating Cash Flow 83.7M
Free Cash Flow 113.7M

Revenue & Profitability Trend

FirstCash Holdings Income Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Revenue i 3.4B 3.2B 2.7B 1.7B 1.6B
Cost of Goods Sold i 1.8B 1.6B 1.5B 779.8M 720.1M
Gross Profit i 1.6B 1.5B 1.3B 919.2M 911.1M
Gross Margin % i 48.1% 47.8% 46.3% 54.1% 55.9%
Operating Expenses
Research & Development i - - - - -
Selling, General & Administrative i 173.2M 176.3M 147.9M 111.3M 110.9M
Other Operating Expenses i 901.0M 832.1M 728.9M 564.8M 562.2M
Total Operating Expenses i 1.1B 1.0B 876.9M 676.1M 673.1M
Operating Income i 450.4M 389.6M 283.9M 197.2M 195.9M
Operating Margin % i 13.3% 12.4% 10.4% 11.6% 12.0%
Non-Operating Items
Interest Income i 1.9M 1.5M 1.3M 696.0K 1.5M
Interest Expense i 105.2M 93.2M 70.7M 32.4M 29.3M
Other Non-Operating Income -4.3M -5.0M 109.1M 1.0M -24.4M
Pre-tax Income i 342.8M 292.8M 323.6M 166.5M 143.7M
Income Tax i 84.0M 73.5M 70.1M 41.6M 37.1M
Effective Tax Rate % i 24.5% 25.1% 21.7% 25.0% 25.8%
Net Income i 258.8M 219.3M 253.5M 124.9M 106.6M
Net Margin % i 7.6% 7.0% 9.3% 7.4% 6.5%
Key Metrics
EBITDA i 991.1M 913.1M 745.3M 255.6M 239.6M
EPS (Basic) i $5.78 $4.86 $5.48 $2.58 $2.57
EPS (Diluted) i $5.73 $4.80 $5.36 $2.58 $2.56
Basic Shares Outstanding i 44752348 45108000 46292000 48479000 41502000
Diluted Shares Outstanding i 44752348 45108000 46292000 48479000 41502000

Income Statement Trend

FirstCash Holdings Balance Sheet From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Assets
Current Assets
Cash & Equivalents i 175.1M 127.0M 117.3M 120.0M 65.8M
Short-term Investments i - - - - -
Accounts Receivable i 73.3M 71.9M 57.8M 55.4M 41.1M
Inventory i 334.6M 312.1M 288.3M 263.3M 190.4M
Other Current Assets 155.4M 209.8M 173.1M 161.7M 9.4M
Total Current Assets i 1.4B 1.3B 1.1B 1.1B 624.6M
Non-Current Assets
Property, Plant & Equipment i 324.6M 328.5M 307.0M 306.1M 299.0M
Goodwill i 3.8B 3.7B 3.5B 3.5B 2.0B
Intangible Assets i 228.9M 277.7M 330.3M 388.2M 83.7M
Long-term Investments - - - - -
Other Non-Current Assets 14.6M 16.8M 16.8M 14.1M 14.0M
Total Non-Current Assets i 3.1B 3.0B 2.8B 2.7B 1.7B
Total Assets i 4.5B 4.3B 3.9B 3.8B 2.4B
Liabilities
Current Liabilities
Accounts Payable i 31.1M 26.5M 27.4M 23.1M 7.2M
Short-term Debt i 95.2M 102.0M 92.9M 90.6M 88.6M
Current Portion of Long-term Debt - - - - -
Other Current Liabilities - - - - -
Total Current Liabilities i 339.4M 335.6M 295.5M 392.2M 206.4M
Non-Current Liabilities
Long-term Debt i 2.0B 1.8B 1.6B 1.5B 810.8M
Deferred Tax Liabilities i 128.6M 136.8M 151.8M 126.1M 71.2M
Other Non-Current Liabilities - - - 14.0M -
Total Non-Current Liabilities i 2.1B 2.0B 1.7B 1.6B 882.0M
Total Liabilities i 2.4B 2.3B 2.0B 2.0B 1.1B
Equity
Common Stock i 575.0K 573.0K 573.0K 573.0K 493.0K
Retained Earnings i 1.4B 1.2B 1.1B 866.7M 789.3M
Treasury Stock i 995.5M 920.2M 809.4M 652.8M 609.3M
Other Equity - - - - -
Total Shareholders Equity i 2.1B 2.0B 1.9B 1.8B 1.3B
Key Metrics
Total Debt i 2.1B 1.9B 1.7B 1.6B 899.4M
Working Capital i 1.1B 971.0M 835.1M 737.2M 418.2M

Balance Sheet Composition

FirstCash Holdings Cash Flow Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Operating Activities
Net Income i 258.8M 219.3M 253.5M 124.9M 106.6M
Depreciation & Amortization i 538.2M 520.6M 457.3M 58.7M 42.1M
Stock-Based Compensation i 14.8M 13.7M 10.9M 5.2M 2.9M
Working Capital Changes i -540.9M -605.1M -489.0M -19.6M 31.7M
Operating Cash Flow i 267.1M 138.2M 168.6M 163.7M 199.5M
Investing Activities
Capital Expenditures i -68.2M -60.1M -35.6M -42.0M -37.5M
Acquisitions i -76.0M -181.3M -96.8M -543.9M -44.3M
Investment Purchases i - - - - -
Investment Sales i - - - - -
Investing Cash Flow i -355.5M -391.9M -253.5M -665.1M 25.2M
Financing Activities
Share Repurchases i -85.0M -114.4M -157.9M -49.6M -107.0M
Dividends Paid i -65.8M -61.9M -59.6M -47.5M -44.8M
Debt Issuance i 945.0M 646.3M 286.0M 1.1B 854.4M
Debt Repayment i -815.0M -416.0M -206.0M -424.0M -878.7M
Financing Cash Flow i -38.2M 51.3M -139.3M 712.6M -403.2M
Free Cash Flow i 471.7M 356.0M 433.7M 181.3M 184.7M
Net Change in Cash i -126.6M -202.4M -224.2M 211.2M -178.5M

Cash Flow Trend

FirstCash Holdings Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 23.83
Forward P/E 19.56
Price to Book 3.21
Price to Sales 2.03
PEG Ratio 1.04

Profitability Ratios

Profit Margin 8.61%
Operating Margin 12.67%
Return on Equity 14.17%
Return on Assets 6.97%

Financial Health

Current Ratio 4.21
Debt to Equity 94.52
Beta 0.69

Per Share Data

EPS (TTM) $6.50
Book Value per Share $48.24
Revenue per Share $75.92

Peer Financial Comparison

Company Market Cap P/E Ratio P/B Ratio ROE Profit Margin Debt/Equity
fcfs 7.0B 23.83 3.21 14.17% 8.61% 94.52
Visa 682.0B 34.35 18.00 51.76% 52.16% 65.02
Mastercard 521.1B 39.07 66.89 176.95% 44.93% 240.92
OneMain Holdings 6.6B 9.89 1.96 20.50% 24.07% 663.05
Credit Acceptance 5.5B 14.24 3.56 27.30% 36.18% 416.24
SLM 5.5B 13.13 2.65 18.99% 36.64% 269.94

Financial data is updated regularly. All figures are in the company's reporting currency.