FirstCash Holdings, Inc. FCFS
FirstCash Holdings, Inc., along with its wholly owned subsidiaries (together, "FirstCash" or the "Company"), is the leading operator of pawn stores in the U.S., Latin America and the U.K.
FirstCash's primary line of business is the operation of retail pawn stores, also known as "pawnshops." The Company also operates a retail POS payment solutions business. The Company's two business lines are organized into four reportable segments:
•The U.S. pawn segment consists of pawn operations in 29 U.S. states and the District of Columbia
•The Latin America pawn segment consists of pawn operations in Mexico, Guatemala, El Salvador and Colombia
Valuation FY2025 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.67B | $1.51B | $1.38B | $1.26B | $1.13B | $1.08B | $1.18B | $1.09B | $1.05B | $669.1M |
| Cost of revenue | $1.82B | $1.76B | $1.64B | $1.46B | $779.8M | $720.1M | $846.1M | $814.1M | $832.3M | $483.6M |
| Gross profit | $1.84B | $1.63B | $1.51B | $1.26B | $919.2M | $911.1M | $1.02B | $966.8M | $947.5M | $604.8M |
| SG&A | $232.8M | $178.0M | $181.7M | $147.9M | $111.3M | $110.9M | $122.3M | $120.0M | $122.5M | $96.5M |
| Total operating expenses | $1.39B | $1.29B | $1.21B | $941.0M | $752.6M | $767.4M | $793.7M | $761.5M | $775.2M | $511.4M |
| Interest expense | — | — | $93.2M | $70.7M | $32.4M | $29.3M | $34.0M | $29.2M | $24.0M | $20.3M |
| Pre-tax income | $447.6M | $342.8M | $292.8M | $323.6M | $166.5M | $143.7M | $224.6M | $205.3M | $172.3M | $93.4M |
| Income tax | $117.2M | $84.0M | $73.5M | $70.1M | $41.6M | $37.1M | $60.0M | $52.1M | $28.4M | $33.3M |
| Net income | $330.4M | $258.8M | $219.3M | $253.5M | $124.9M | $106.6M | $164.6M | $153.2M | $143.9M | $60.1M |
| EPS, basic | 7.46 | 5.76 | 4.82 | 5.37 | 3.05 | 2.57 | 3.83 | 3.42 | 3.01 | 1.72 |
| EPS, diluted | 7.42 | 5.73 | 4.80 | 5.36 | 3.04 | 2.56 | 3.81 | 3.41 | 3.00 | 1.72 |
| Shares, diluted (wtd. avg.) | $44.5M | $45.2M | $45.7M | $47.3M | $41.0M | $41.6M | $43.2M | $44.9M | $47.9M | $35.0M |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $125.2M | $175.1M | $127.0M | $117.3M | $120.0M | $65.8M | $46.5M | $71.8M | $114.4M | $90.0M |
| Inventory | $487.2M | $334.6M | $312.1M | $288.3M | $263.3M | $190.4M | $265.3M | $275.1M | $276.8M | $330.7M |
| Total current assets | $1.86B | $1.40B | $1.31B | $1.13B | $1.13B | $624.6M | $741.0M | $789.9M | $842.2M | $892.1M |
| Property, plant and equipment | $808.0M | $717.9M | $632.7M | $538.7M | $462.5M | $373.7M | $336.2M | $251.6M | $230.3M | $236.1M |
| Goodwill | $2.02B | $1.79B | $1.73B | $1.58B | $1.54B | $977.4M | $948.6M | $917.4M | $831.1M | $831.2M |
| Other intangibles | $231.1M | $228.9M | $277.7M | $330.3M | $388.2M | $83.7M | $85.9M | $88.1M | $93.8M | $104.5M |
| Total assets | $5.30B | $4.48B | $4.29B | $3.90B | $3.84B | $2.37B | $2.44B | $2.11B | $2.06B | $2.15B |
| Accounts payable | $26.5M | $31.1M | $26.5M | $27.4M | $23.1M | $7.2M | $5.9M | $6.9M | $4.8M | $11.7M |
| Total current liabilities | $407.8M | $339.4M | $335.6M | $295.5M | $392.2M | $206.4M | $202.9M | $133.0M | $120.6M | $143.6M |
| Long-term debt | $2.21B | $1.73B | $1.61B | $1.37B | $1.29B | $615.9M | $631.6M | $590.9M | $402.2M | $460.0M |
| Total liabilities | $3.02B | $2.42B | $2.29B | $2.03B | $2.03B | $1.09B | $1.09B | $789.9M | $587.5M | $695.2M |
| Retained earnings | $1.67B | $1.41B | $1.22B | $1.06B | $866.7M | $789.3M | $727.5M | $606.8M | $494.5M | $387.4M |
| Total equity | $2.28B | $2.05B | $2.00B | $1.88B | $1.81B | $1.28B | $1.35B | $1.32B | $1.48B | $1.45B |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $585.9M | $540.0M | $416.1M | $469.3M | $223.3M | $222.3M | $231.6M | $243.4M | $220.4M | $96.9M |
| Stock-based compensation | $20.2M | $14.8M | $13.7M | $10.9M | $5.2M | $2.9M | $8.7M | $5.8M | $3.1M | $4.2M |
| Capital expenditure | $54.9M | $68.2M | $60.1M | $35.6M | $42.0M | $37.5M | $44.3M | $35.7M | $26.0M | $20.5M |
| Investing cash flow | -$828.0M | -$441.6M | -$462.3M | -$336.4M | -$744.6M | -$20.4M | -$137.1M | -$159.2M | $1.4M | -$26.0M |
| Financing cash flow | $176.4M | -$38.2M | $51.3M | -$139.3M | $577.0M | -$186.5M | -$120.8M | -$127.1M | -$197.5M | -$58.7M |
| Dividends paid | $70.9M | $65.8M | $61.9M | $59.6M | $47.5M | $44.8M | $44.0M | $40.9M | $36.8M | $19.8M |
| Buybacks | $115.8M | $85.0M | $114.4M | $157.9M | $49.6M | $107.0M | $116.1M | $273.7M | $91.7M | $0 |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001104659-26-049885.
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