FirstCash Holdings, Inc. FCFS

Consumer discretionary SIC 5900 - Retail-Miscellaneous Retail NAICS Retail Trade derived Nasdaq

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

Last close 172.75 2026-10-23
Market cap $7.49B 2026-06-30 share count
52-week range 146.77 - 238.93

Valuation FY2025 figures against the last close

P/S4.5x
P/E23.3x
P/FCF14.1x
EV/EBITDA—
Dividend yield0.9%
Diluted EPS7.42

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
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 7.465.764.825.373.052.573.833.423.011.72
EPS, diluted 7.425.734.805.363.042.563.813.413.001.72
Shares, diluted (wtd. avg.) 44.5M45.2M45.7M47.3M41.0M41.6M43.2M44.9M47.9M35.0M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
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 FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
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.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 500M 1B 1.5B 2B Revenue, FY2016: 669.1M Gross profit, FY2016: 604.8M Net income, FY2016: 60.1M Revenue, FY2017: 1.1B Gross profit, FY2017: 947.5M Net income, FY2017: 143.9M Revenue, FY2018: 1.1B Gross profit, FY2018: 966.8M Net income, FY2018: 153.2M Revenue, FY2019: 1.2B Gross profit, FY2019: 1B Net income, FY2019: 164.6M Revenue, FY2020: 1.1B Gross profit, FY2020: 911.1M Net income, FY2020: 106.6M Revenue, FY2021: 1.1B Gross profit, FY2021: 919.2M Net income, FY2021: 124.9M Revenue, FY2022: 1.3B Gross profit, FY2022: 1.3B Net income, FY2022: 253.5M Revenue, FY2023: 1.4B Gross profit, FY2023: 1.5B Net income, FY2023: 219.3M Revenue, FY2024: 1.5B Gross profit, FY2024: 1.6B Net income, FY2024: 258.8M Revenue, FY2025: 1.7B Gross profit, FY2025: 1.8B Net income, FY2025: 330.4M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $669.1M $1.05B $1.09B $1.18B $1.08B $1.13B $1.26B $1.38B $1.51B $1.67B
Gross profit $604.8M $947.5M $966.8M $1.02B $911.1M $919.2M $1.26B $1.51B $1.63B $1.84B
Net income $60.1M $143.9M $153.2M $164.6M $106.6M $124.9M $253.5M $219.3M $258.8M $330.4M

Recent filings and events

  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • New debt or obligation The company has taken on debt or a comparable obligation. Item 2.03
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Regulation FD disclosure Item 7.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Other event Item 8.01
  • Regulation FD disclosure Item 7.01
  • Other event Item 8.01
  • Shareholder rights changed The terms attaching to the shares themselves have changed. Item 3.03
  • Charter or fiscal year changed A change to the company's governing documents, or to when its year ends. Item 5.03

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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