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FirstCash (FCFS) Financials

FirstCash logo
$131.08 -2.21 (-1.66%)
Closing price 08/1/2025 04:00 PM Eastern
Extended Trading
$130.92 -0.17 (-0.13%)
As of 08/1/2025 06:04 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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Annual Income Statements for FirstCash

Annual Income Statements for FirstCash

This table shows FirstCash's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 61 60 144 153 165 107 125 253 219 259
Consolidated Net Income / (Loss)		 61 60 144 153 165 107 125 253 219 259
Net Income / (Loss) Continuing Operations		 61 60 144 153 165 107 125 253 219 259
Total Pre-Tax Income 		88 93 172 205 225 144 167 324 293 343
Total Revenue		 705 1,088 1,758 1,754 1,831 1,603 1,667 2,730 3,153 3,390
Net Interest Income / (Expense)		 0.00 0.00 -22 -27 -33 -28 -32 1.31 1.47 1.94
Total Interest Income		 0.00 0.00 1.60 2.44 1.06 1.54 0.70 1.31 1.47 1.94
Investment Securities Interest Income		 - - 1.60 2.44 1.06 1.54 0.70 1.31 1.47 1.94
Total Interest Expense		 0.00 0.00 24 29 34 29 32 0.00 0.00 0.00
Total Non-Interest Income		 705 1,088 1,780 1,781 1,864 1,631 1,699 2,729 3,152 3,389
Other Service Charges		 223 357 588 581 585 460 485 743 892 983
Net Realized & Unrealized Capital Gains on Investments		 449 669 1,051 1,092 1,176 1,076 1,134 1,261 1,381 1,507
Other Non-Interest Income		 32 63 141 108 104 96 80 725 878 898
Provision for Credit Losses		 - - 20 - 4.16 -0.49 49 119 123 144
Total Non-Interest Expense		 617 995 1,566 1,549 1,603 1,450 1,451 2,291 2,739 2,904
Other Operating Expenses		 373 588 935 917 964 832 829 1,211 1,380 1,460
Depreciation Expense		 18 32 55 43 42 42 59 457 521 538
Restructuring Charge		 2.88 37 9.06 7.64 1.77 1.32 -2.42 -106 7.92 2.23
Other Special Charges		 215 340 566 582 595 575 565 728 831 904
Nonoperating Income / (Expense), net		 - - - - - -11 -0.95 2.73 1.40 0.52
Income Tax Expense		 27 33 28 52 60 37 42 70 74 84
Basic Earnings per Share		 - $1.72 $3.01 $3.42 $3.83 $2.57 $3.05 $5.37 $4.82 $5.76
Weighted Average Basic Shares Outstanding		 28.14M 35.00M 47.85M 44.78M 42.00M 41.04M 48.49M 46.29M 45.11M 44.76M
Diluted Earnings per Share		 - $1.72 $3.00 $3.41 $3.81 $2.56 $3.04 $5.36 $4.80 $5.73
Weighted Average Diluted Shares Outstanding		 28.14M 35.00M 47.85M 44.78M 42.00M 41.04M 48.49M 46.29M 45.11M 44.76M
Weighted Average Basic & Diluted Shares Outstanding		 28.14M 35.00M 47.85M 44.78M 42.00M 41.04M 48.49M 46.29M 45.11M 44.76M
Cash Dividends to Common per Share		 $0.00 $0.57 $0.77 $0.91 $1.02 $1.08 $1.17 $1.26 $1.36 $1.46

Quarterly Income Statements for FirstCash

This table shows FirstCash's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 59 80 47 45 57 70 61 49 65 84 84
Consolidated Net Income / (Loss)		 59 80 47 45 57 70 61 49 65 84 84
Net Income / (Loss) Continuing Operations		 59 80 47 45 57 70 61 49 65 84 84
Total Pre-Tax Income 		75 102 63 61 78 91 82 66 85 110 111
Total Revenue		 654 800 742 730 787 894 812 806 838 935 838
Net Interest Income / (Expense)		 -18 51 -20 -21 0.33 42 -25 -25 0.40 51 1.23
Total Interest Income		 0.21 0.21 0.52 0.41 0.33 0.22 0.74 0.26 0.40 0.53 1.23
Investment Securities Interest Income		 0.21 0.21 0.52 0.41 0.33 0.22 0.74 0.26 0.40 0.53 1.23
Total Interest Expense		 18 -51 21 21 0.00 -42 25 25 0.00 -51 0.00
Total Non-Interest Income		 672 749 763 751 786 852 836 831 837 884 836
Other Service Charges		 195 196 206 212 236 238 237 238 248 260 265
Net Realized & Unrealized Capital Gains on Investments		 301 359 328 321 335 397 367 363 363 414 371
Other Non-Interest Income		 177 194 229 217 215 217 233 230 226 210 200
Provision for Credit Losses		 32 35 29 28 33 32 30 31 41 42 36
Total Non-Interest Expense		 547 667 650 641 676 772 701 708 712 784 692
Other Operating Expenses		 267 382 323 307 331 419 333 340 356 432 363
Depreciation Expense		 112 117 129 130 131 131 146 137 131 124 114
Restructuring Charge		 -19 -25 0.03 0.25 3.39 4.25 0.60 1.36 0.23 0.04 0.46
Other Special Charges		 186 189 198 204 211 217 221 230 226 227 215
Nonoperating Income / (Expense), net		 -0.16 - - -0.08 - - 1.35 -1.00 - - 2.32
Income Tax Expense		 16 22 16 15 20 22 21 17 20 26 28
Basic Earnings per Share		 $1.26 $1.71 $1.03 $0.99 $1.27 $1.53 $1.36 $1.09 $1.45 $1.86 $1.87
Weighted Average Basic Shares Outstanding		 46.32M 46.29M 45.47M 45.11M 45.11M 45.11M 45.47M 44.75M 44.75M 44.76M 44.36M
Diluted Earnings per Share		 $1.26 $1.71 $1.02 $0.99 $1.26 $1.53 $1.35 $1.08 $1.44 $1.86 $1.87
Weighted Average Diluted Shares Outstanding		 46.32M 46.29M 45.47M 45.11M 45.11M 45.11M 45.47M 44.75M 44.75M 44.76M 44.36M
Weighted Average Basic & Diluted Shares Outstanding		 46.32M 46.29M 45.47M 45.11M 45.11M 45.11M 45.47M 44.75M 44.75M 44.76M 44.36M
Cash Dividends to Common per Share		 $0.33 - $0.33 $0.33 $0.35 - $0.35 $0.35 $0.38 - $0.38

Annual Cash Flow Statements for FirstCash

This table details how cash moves in and out of FirstCash's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 19 3.00 24 -43 -25 19 54 -2.72 9.69 48
Net Cash From Operating Activities		 93 97 220 243 232 222 223 469 416 540
Net Cash From Continuing Operating Activities		 93 97 220 243 232 222 223 469 416 540
Net Income / (Loss) Continuing Operations		 61 60 144 153 165 107 125 253 219 259
Consolidated Net Income / (Loss)		 61 60 144 153 165 107 125 253 219 259
Provision For Loan Losses		 0.76 5.97 13 9.41 2.40 -0.84 54 258 299 307
Depreciation Expense		 18 32 55 43 42 42 59 457 521 538
Amortization Expense		 0.94 1.20 0.86 1.66 1.43 1.65 2.80 47 -15 -34
Non-Cash Adjustments to Reconcile Net Income		 7.91 15 1.28 14 16 40 -1.05 -54 1.07 9.10
Changes in Operating Assets and Liabilities, net		 4.48 -17 6.37 22 5.56 33 -16 -492 -609 -539
Net Cash From Investing Activities		 -72 -26 1.40 -159 -137 -20 -745 -336 -462 -442
Net Cash From Continuing Investing Activities		 -72 -26 1.40 -159 -137 -20 -745 -336 -462 -442
Purchase of Investment Securities		 -68 -72 -39 -169 -150 -22 -739 -251 -347 -302
Sale and/or Maturity of Investments		 0.00 62 - - 13 1.59 -5.84 -85 -115 -139
Net Cash From Financing Activities		 9.13 -59 -198 -127 -121 -187 577 -139 51 -38
Net Cash From Continuing Financing Activities		 9.13 -59 -198 -127 -121 -187 577 -139 51 -38
Issuance of Debt		 120 400 506 416 257 854 1,110 286 646 945
Repayment of Debt		 -85 -439 -575 -229 -218 -887 -435 -208 -416 -825
Repurchase of Common Equity		 -40 0.00 -92 -274 -116 -107 -50 -158 -114 -85
Payment of Dividends		 0.00 -20 -37 -41 -44 -45 -48 -60 -62 -66
Other Financing Activities, Net		 14 0.00 0.31 0.40 0.40 -2.53 -1.28 0.00 -2.46 -7.01
Effect of Exchange Rate Changes		 -11 -9.17 0.22 0.25 1.00 3.91 -1.46 3.70 4.57 -12
Cash Interest Paid		 15 19 24 27 33 21 29 53 90 91
Cash Income Taxes Paid		 22 22 30 30 49 34 25 30 102 85

Quarterly Cash Flow Statements for FirstCash

This table details how cash moves in and out of FirstCash's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 -9.79 17 -17 3.80 -18 40 8.05 -21 -7.37 69 -29
Net Cash From Operating Activities		 99 144 111 95 111 99 123 106 113 198 127
Net Cash From Continuing Operating Activities		 99 144 111 95 111 99 123 106 113 198 127
Net Income / (Loss) Continuing Operations		 59 80 47 45 57 70 61 49 65 84 84
Consolidated Net Income / (Loss)		 59 80 47 45 57 70 61 49 65 84 84
Provision For Loan Losses		 64 65 78 81 73 67 73 79 80 75 64
Depreciation Expense		 112 117 129 130 131 131 146 137 131 124 114
Amortization Expense		 8.54 9.88 -2.65 -3.38 -4.29 -4.88 -6.04 -7.67 -9.34 -11 -12
Non-Cash Adjustments to Reconcile Net Income		 17 -27 -2.31 -1.39 2.17 2.60 2.14 0.86 1.65 4.46 5.80
Changes in Operating Assets and Liabilities, net		 -162 -101 -139 -156 -148 -166 -155 -152 -155 -78 -129
Net Cash From Investing Activities		 -102 -98 -13 -112 -284 -53 -30 -158 -148 -106 -50
Net Cash From Continuing Investing Activities		 -102 -98 -13 -112 -284 -53 -30 -158 -148 -106 -50
Purchase of Property, Leasehold Improvements and Equipment		 -9.94 - -14 -15 -18 - -26 -16 -13 - -13
Purchase of Investment Securities		 -47 -169 43 -48 -222 -119 23 -110 -52 -163 -9.79
Sale and/or Maturity of Investments		 -26 -36 -25 -33 -31 -27 -15 -22 -49 -53 -21
Other Investing Activities, net		 -19 - -17 -17 -12 - -11 -9.76 -33 - -6.88
Net Cash From Financing Activities		 -5.59 -32 -116 18 157 -7.39 -85 34 32 -19 -105
Net Cash From Continuing Financing Activities		 -5.59 -32 -116 18 157 -7.39 -85 34 32 -19 -105
Issuance of Debt		 70 90 73 107 366 100 550 250 89 56 106
Repayment of Debt		 -7.27 -89 -104 -39 -180 -93 -612 -115 -40 -58 -129
Repurchase of Common Equity		 -53 -17 -67 -35 -14 1.14 0.00 -85 - - -60
Payment of Dividends		 -16 -15 -15 -15 -15 -16 -16 -16 -17 -17 -17
Other Financing Activities, Net		 - - -2.46 - - - -7.01 - - - -5.76
Effect of Exchange Rate Changes		 -0.90 2.61 2.09 2.70 -2.15 1.92 0.09 -3.42 -4.51 -4.26 -0.24

Annual Balance Sheets for FirstCash

This table presents FirstCash's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 753 2,145 2,063 2,108 2,439 2,372 3,836 3,905 4,290 4,477
Cash and Due from Banks		 87 90 114 72 47 66 120 117 127 175
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 112 236 - 252 336 374 463 539 633 718
Goodwill		 296 831 831 917 949 977 1,536 1,581 1,728 1,787
Intangible Assets		 6.18 104 - 88 86 84 388 330 278 229
Other Assets		 252 884 645 779 1,022 872 1,330 1,337 1,525 1,568
Total Liabilities & Shareholders' Equity		 753 2,145 0.00 2,108 2,439 2,372 3,836 3,905 4,290 4,477
Total Liabilities		 322 695 0.00 790 1,089 1,088 2,028 2,025 2,293 2,423
Non-Interest Bearing Deposits		 14 34 - 35 40 35 57 63 71 73
Accrued Interest Payable		 3.92 0.74 - 0.75 4.30 1.15 - 93 - 95
Other Short-Term Payables		 28 109 - 97 72 82 244 139 163 172
Long-Term Debt		 254 457 - 591 632 616 1,293 1,375 1,606 1,729
Other Long-Term Liabilities		 21 95 - 66 255 266 343 355 352 354
Commitments & Contingencies		 0.00 0.00 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 431 1,450 0.00 1,318 1,350 1,284 1,808 1,880 1,996 2,054
Total Preferred & Common Equity		 431 1,450 0.00 1,318 1,350 1,284 1,808 1,880 1,996 2,054
Total Common Equity		 431 1,450 0.00 1,318 1,350 1,284 1,808 1,880 1,996 2,054
Common Stock		 203 1,218 - 1,225 1,232 1,222 1,726 1,735 1,742 1,768
Retained Earnings		 644 387 - 607 727 789 867 1,061 1,218 1,411
Treasury Stock		 -337 -36 - -401 -512 -609 -653 -809 -920 -995
Accumulated Other Comprehensive Income / (Loss)		 -78 -120 - -113 -97 -118 -131 -107 -43 -130

Quarterly Balance Sheets for FirstCash

This table presents FirstCash's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 3,861 3,869 3,960 4,175 4,247 4,322 4,393 4,426
Cash and Due from Banks		 101 101 105 87 135 114 106 146
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 536 563 588 605 658 661 689 724
Goodwill		 1,524 1,591 1,600 1,713 1,730 1,795 1,789 1,815
Intangible Assets		 346 316 304 292 265 254 241 217
Other Assets		 1,356 1,149 1,363 1,478 1,301 1,499 1,429 1,524
Total Liabilities & Shareholders' Equity		 3,861 3,869 3,960 4,175 4,247 4,322 4,393 4,426
Total Liabilities		 2,056 1,998 2,063 2,257 2,202 2,344 2,394 2,368
Non-Interest Bearing Deposits		 63 69 70 72 75 76 78 76
Short-Term Debt		 91 - 96 99 - 98 - 97
Other Short-Term Payables		 176 238 146 147 240 141 230 129
Long-Term Debt		 1,373 1,344 1,413 1,597 1,544 1,680 1,731 1,707
Other Long-Term Liabilities		 352 348 338 342 343 349 355 359
Total Equity & Noncontrolling Interests		 1,805 1,871 1,897 1,918 2,045 1,978 1,999 2,058
Total Preferred & Common Equity		 1,805 1,871 1,897 1,918 2,045 1,978 1,999 2,058
Total Common Equity		 1,805 1,871 1,897 1,918 2,045 1,978 1,999 2,058
Common Stock		 1,733 1,731 1,735 1,738 1,728 1,762 1,765 1,756
Retained Earnings		 996 1,093 1,123 1,164 1,264 1,297 1,345 1,478
Treasury Stock		 -796 -876 -911 -920 -910 -995 -995 -1,045
Accumulated Other Comprehensive Income / (Loss)		 -127 -77 -49 -65 -37 -84 -115 -131

Annual Metrics And Ratios for FirstCash

This table displays calculated financial ratios and metrics derived from FirstCash's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -1.16% 54.47% 61.50% -0.20% 4.41% -12.45% 3.98% 63.76% 15.49% 7.52%
EBITDA Growth		 -21.27% 18.72% 80.55% 9.42% 7.21% -26.12% 15.67% 260.53% -3.48% 6.17%
EBIT Growth		 -25.05% 6.58% 84.40% 19.15% 9.40% -31.35% 8.59% 91.64% -9.18% 17.43%
NOPAT Growth		 -28.94% -0.96% 139.31% 6.47% 7.45% -30.52% 9.84% 100.09% -13.17% 18.41%
Net Income Growth		 -28.72% -0.96% 139.31% 6.47% 7.45% -35.26% 17.20% 102.94% -13.49% 18.02%
EPS Growth		 0.00% 0.00% 74.42% 13.67% 11.73% -32.81% 18.75% 76.32% -10.45% 19.38%
Operating Cash Flow Growth		 -5.05% 4.43% 127.51% 10.47% -4.86% -4.03% 0.47% 110.16% -11.33% 29.75%
Free Cash Flow Firm Growth		 -3.04% -3,695.44% 98.94% 2,583.61% -98.20% 3,403.36% -655.23% 117.49% -222.72% 177.36%
Invested Capital Growth		 4.33% 178.22% 8.20% -7.46% 8.33% -3.85% 60.51% 1.97% 13.81% 2.15%
Revenue Q/Q Growth		 -2.79% 33.09% -0.22% -0.21% 2.00% -6.52% 7.30% 12.73% 5.51% 4.11%
EBITDA Q/Q Growth		 -8.02% 44.31% -0.54% -6.02% 1.98% -13.13% 5.73% 24.14% -1.45% 0.70%
EBIT Q/Q Growth		 -9.37% 43.86% 0.54% -6.27% 2.18% -16.38% -2.37% 23.57% -3.72% 5.99%
NOPAT Q/Q Growth		 -11.04% 40.34% 27.51% -11.37% 3.83% -10.65% -2.06% 23.94% -5.02% 5.54%
Net Income Q/Q Growth		 -11.04% 40.34% 27.51% -11.37% 3.83% -16.74% -2.62% 25.00% -4.56% 5.70%
EPS Q/Q Growth		 0.00% 0.00% 21.95% -9.07% 4.96% -15.23% -3.18% 23.22% -3.61% 6.11%
Operating Cash Flow Q/Q Growth		 -0.77% 42.22% 7.37% -0.94% -0.62% -9.33% 22.19% 14.12% -9.64% 22.46%
Free Cash Flow Firm Q/Q Growth		 -14.29% 8.50% -106.19% 88.28% -63.29% -39.77% -710.94% 119.97% -102.13% 38.96%
Invested Capital Q/Q Growth		 1.14% -4.17% 8.42% -0.18% 0.59% 6.80% 50.35% -0.46% 2.50% 1.44%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 15.12% 11.62% 12.99% 14.25% 14.63% 12.35% 13.73% 30.24% 25.27% 24.95%
EBIT Margin		 12.44% 8.59% 9.80% 11.70% 12.26% 9.62% 10.04% 11.75% 9.24% 10.09%
Profit (Net Income) Margin		 8.62% 5.52% 8.19% 8.73% 8.99% 6.65% 7.49% 9.28% 6.95% 7.63%
Tax Burden Percent		 69.24% 64.34% 83.51% 74.62% 73.29% 74.17% 75.02% 78.33% 74.89% 75.51%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 93.19% 99.43% 100.85% 100.48% 100.15%
Effective Tax Rate		 30.76% 35.66% 16.49% 25.38% 26.71% 25.83% 24.98% 21.67% 25.11% 24.49%
Return on Invested Capital (ROIC)		 9.05% 4.64% 7.25% 7.71% 8.28% 5.64% 4.85% 7.80% 6.27% 6.90%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.05% 4.64% 7.25% 7.71% 8.28% 4.54% 4.78% 7.95% 6.34% 6.93%
Return on Net Nonoperating Assets (RNNOA)		 4.98% 1.75% 12.60% 15.53% 4.06% 2.45% 3.23% 5.95% 5.04% 5.88%
Return on Equity (ROE)		 14.02% 6.39% 19.85% 23.25% 12.34% 8.09% 8.08% 13.75% 11.32% 12.78%
Cash Return on Invested Capital (CROIC)		 4.81% -89.60% -0.62% 15.46% 0.28% 9.57% -41.61% 5.85% -6.65% 4.78%
Operating Return on Assets (OROA)		 11.93% 6.45% 8.19% 9.85% 9.88% 6.41% 5.39% 8.29% 7.11% 7.81%
Return on Assets (ROA)		 8.26% 4.15% 6.84% 7.35% 7.24% 4.43% 4.02% 6.55% 5.35% 5.90%
Return on Common Equity (ROCE)		 14.02% 6.39% 19.85% 23.25% 12.34% 8.09% 8.08% 13.75% 11.32% 12.78%
Return on Equity Simple (ROE_SIMPLE)		 14.07% 4.15% 0.00% 11.62% 12.19% 8.30% 6.91% 13.49% 10.98% 12.60%
Net Operating Profit after Tax (NOPAT)		 61 60 144 153 165 114 126 251 218 258
NOPAT Margin		 8.62% 5.52% 8.19% 8.73% 8.99% 7.13% 7.53% 9.21% 6.92% 7.62%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 1.10% 0.07% -0.16% -0.07% -0.02%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 87.56% 91.41% 89.07% 88.30% 87.51% 90.41% 87.02% 83.91% 86.86% 85.66%
Earnings before Interest and Taxes (EBIT)		 88 93 172 205 225 154 167 321 291 342
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 107 127 228 250 268 198 229 826 797 846
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 2.32 1.51 0.00 2.31 2.45 2.17 1.61 2.09 2.42 2.26
Price to Tangible Book Value (P/TBV)		 7.73 4.26 0.00 9.76 10.49 12.53 0.00 0.00 0.00 121.58
Price to Revenue (P/Rev)		 1.42 2.02 1.74 1.74 1.81 1.74 1.75 1.44 1.53 1.37
Price to Earnings (P/E)		 16.49 36.47 21.28 19.91 20.11 26.20 23.29 15.46 22.01 17.91
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.49% 1.27% 1.41%
Earnings Yield		 6.06% 2.74% 4.70% 5.02% 4.97% 3.82% 4.29% 6.47% 4.54% 5.58%
Enterprise Value to Invested Capital (EV/IC)		 1.70 1.34 1.43 1.87 1.93 1.73 1.31 1.59 1.73 1.64
Enterprise Value to Revenue (EV/Rev)		 1.66 2.35 1.68 2.04 2.17 2.14 2.50 1.90 2.03 1.83
Enterprise Value to EBITDA (EV/EBITDA)		 10.96 20.23 12.90 14.28 14.86 17.33 18.22 6.27 8.04 7.32
Enterprise Value to EBIT (EV/EBIT)		 13.32 27.39 17.10 17.39 17.73 22.25 24.92 16.13 21.99 18.09
Enterprise Value to NOPAT (EV/NOPAT)		 19.24 42.57 20.48 23.30 24.19 30.00 33.22 20.60 29.36 23.96
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.59 26.43 13.37 14.66 17.19 15.44 18.69 11.03 15.40 11.47
Enterprise Value to Free Cash Flow (EV/FCFF)		 36.17 0.00 0.00 11.63 718.73 17.68 0.00 27.47 0.00 34.60
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.59 0.31 0.00 0.45 0.53 0.55 0.77 0.73 0.86 0.84
Long-Term Debt to Equity		 0.59 0.31 0.00 0.45 0.47 0.48 0.72 0.73 0.80 0.84
Financial Leverage		 0.55 0.38 1.74 2.01 0.49 0.54 0.68 0.75 0.80 0.85
Leverage Ratio		 1.70 1.54 2.90 3.16 1.70 1.83 2.01 2.10 2.11 2.16
Compound Leverage Factor		 1.70 1.54 2.90 3.16 1.70 1.70 2.00 2.12 2.12 2.17
Debt to Total Capital		 37.05% 23.95% 0.00% 30.95% 34.72% 35.43% 43.35% 42.24% 46.10% 45.71%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 4.18% 4.46% 2.84% 0.00% 2.75% 0.00%
Long-Term Debt to Total Capital		 37.05% 23.95% 0.00% 30.95% 30.54% 30.98% 40.51% 42.24% 43.35% 45.71%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 62.95% 76.05% 0.00% 69.05% 65.28% 64.57% 56.65% 57.76% 53.90% 54.29%
Debt to EBITDA		 2.38 3.61 0.00 2.36 2.68 3.56 6.04 1.67 2.14 2.04
Net Debt to EBITDA		 1.57 2.90 0.00 2.08 2.51 3.23 5.52 1.52 1.98 1.84
Long-Term Debt to EBITDA		 2.38 3.61 0.00 2.36 2.36 3.11 5.65 1.67 2.02 2.04
Debt to NOPAT		 4.18 7.59 0.00 3.86 4.36 6.16 11.01 5.47 7.82 6.69
Net Debt to NOPAT		 2.75 6.10 0.00 3.39 4.08 5.58 10.06 5.00 7.24 6.01
Long-Term Debt to NOPAT		 4.18 7.59 0.00 3.86 3.84 5.39 10.29 5.47 7.36 6.69
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 32 -1,161 -12 307 5.54 194 -1,078 188 -231 179
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 -0.51 10.52 0.16 6.61 -33.27 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 0.00 0.00 9.17 8.34 6.80 7.57 6.90 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 9.17 8.34 6.80 7.57 6.90 0.00 0.00 0.00
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.96 0.75 0.84 0.84 0.81 0.67 0.54 0.71 0.77 0.77
Fixed Asset Turnover		 6.23 6.25 0.00 0.00 6.23 4.52 3.99 5.45 5.38 5.02
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 685 1,907 2,063 1,909 2,068 1,988 3,192 3,254 3,704 3,784
Invested Capital Turnover		 1.05 0.84 0.89 0.88 0.92 0.79 0.64 0.85 0.91 0.91
Increase / (Decrease) in Invested Capital		 28 1,221 156 -154 159 -80 1,203 63 450 79
Enterprise Value (EV)		 1,168 2,560 2,947 3,570 3,982 3,431 4,173 5,177 6,408 6,191
Market Capitalization		 1,001 2,193 3,062 3,051 3,310 2,792 2,910 3,920 4,828 4,636
Book Value per Share		 $15.51 $29.89 $0.00 $30.07 $31.63 $30.98 $44.72 $40.58 $44.26 $45.90
Tangible Book Value per Share		 $4.66 $10.60 ($17.61) $7.13 $7.39 $5.38 ($2.87) ($0.69) ($0.20) $0.85
Total Capital		 685 1,907 0.00 1,909 2,068 1,988 3,192 3,254 3,704 3,784
Total Debt		 254 457 0.00 591 718 705 1,383 1,375 1,708 1,729
Total Long-Term Debt		 254 457 0.00 591 632 616 1,293 1,375 1,606 1,729
Net Debt		 167 367 -114 519 672 639 1,263 1,257 1,581 1,554
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 7.79 0.71 -2.14 -1.05 -0.39
Net Nonoperating Obligations (NNO)		 254 457 2,063 591 718 705 1,383 1,375 1,708 1,729
Total Depreciation and Amortization (D&A)		 19 33 56 45 43 44 62 505 505 504
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.16 $1.72 $0.00 $3.42 $3.83 $2.57 $3.05 $5.37 $4.82 $5.76
Adjusted Weighted Average Basic Shares Outstanding		 28.24M 48.29M 46.55M 43.57M 42.00M 41.04M 48.49M 46.29M 45.11M 44.76M
Adjusted Diluted Earnings per Share		 $2.14 $1.72 $0.00 $3.41 $3.81 $2.56 $3.04 $5.36 $4.80 $5.73
Adjusted Weighted Average Diluted Shares Outstanding		 28.24M 48.29M 46.55M 43.57M 42.00M 41.04M 48.49M 46.29M 45.11M 44.76M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 28.24M 48.29M 46.55M 43.57M 42.00M 41.04M 48.49M 46.29M 45.11M 44.76M
Normalized Net Operating Profit after Tax (NOPAT)		 217 302 624 593 602 542 548 739 846 942
Normalized NOPAT Margin		 30.78% 27.72% 35.52% 33.80% 32.86% 33.78% 32.86% 27.07% 26.84% 27.80%
Pre Tax Income Margin		 12.44% 8.59% 9.80% 11.70% 12.26% 8.96% 9.99% 11.85% 9.29% 10.11%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 7.17 7.04 6.60 5.26 5.17 0.00 0.00 0.00
NOPAT to Interest Expense		 0.00 0.00 5.99 5.25 4.84 3.90 3.88 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 0.00 0.00 7.17 7.04 6.60 5.26 5.17 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.00 5.99 5.25 4.84 3.90 3.88 0.00 0.00 0.00
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 32.94% 25.60% 26.67% 26.70% 41.99% 38.05% 23.50% 28.21% 25.41%
Augmented Payout Ratio		 65.84% 32.94% 89.36% 205.29% 97.23% 142.36% 77.77% 85.77% 80.37% 58.25%

Quarterly Metrics And Ratios for FirstCash

This table displays calculated financial ratios and metrics derived from FirstCash's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 66.92% 62.65% 15.22% 15.57% 20.27% 11.75% 9.34% 10.43% 6.50% 4.54% 0.06%
EBITDA Growth		 249.16% 247.33% 9.44% -19.01% 3.97% -4.00% 16.66% 5.05% 1.13% 2.73% -5.10%
EBIT Growth		 69.20% 164.05% 69.99% -44.72% 2.73% -8.65% 27.40% 10.85% 9.73% 21.50% 32.99%
NOPAT Growth		 76.56% 172.60% 68.41% -47.46% -3.87% -13.09% 27.36% 10.11% 13.45% 20.06% 33.38%
Net Income Growth		 77.61% 172.60% 69.21% -47.53% -3.66% -13.09% 29.50% 8.62% 13.45% 20.06% 36.21%
EPS Growth		 53.66% 144.29% 75.86% -45.30% 0.00% -10.53% 32.35% 9.09% 14.29% 21.57% 38.52%
Operating Cash Flow Growth		 310.90% 67.93% -7.95% -10.83% 12.46% -30.94% 10.79% 11.69% 1.55% 99.94% 3.35%
Free Cash Flow Firm Growth		 -377.94% 101.47% 112.70% 86.96% 73.60% -2,308.77% -276.29% -110.60% 82.14% 101.07% 39.12%
Invested Capital Growth		 54.02% 1.97% -3.91% 5.84% 10.53% 13.81% 11.65% 10.29% 3.21% 2.15% 7.59%
Revenue Q/Q Growth		 3.56% 22.36% 1.75% -1.67% 7.76% 13.69% -1.70% -0.69% 3.92% 11.61% -10.41%
EBITDA Q/Q Growth		 -14.76% 14.66% -17.04% -1.31% 9.43% 5.87% 2.04% -11.14% 5.34% 7.55% -5.16%
EBIT Q/Q Growth		 -31.07% 30.41% -37.58% -4.13% 28.09% 15.95% -10.52% -16.58% 26.80% 28.39% -0.42%
NOPAT Q/Q Growth		 -30.96% 34.69% -40.81% -4.54% 26.32% 21.78% -13.27% -17.46% 30.14% 28.88% -2.03%
Net Income Q/Q Growth		 -31.11% 34.98% -40.81% -4.66% 26.48% 21.78% -11.81% -20.03% 32.10% 28.88% 0.05%
EPS Q/Q Growth		 -30.39% 35.71% -40.35% -2.94% 27.27% 21.43% -11.76% -20.00% 33.33% 29.17% 0.54%
Operating Cash Flow Q/Q Growth		 -7.12% 44.91% -22.93% -14.03% 17.14% -11.01% 23.64% -13.34% 6.50% 75.21% -36.09%
Free Cash Flow Firm Q/Q Growth		 0.74% 101.58% 935.76% -180.14% -101.04% -32.36% -12.99% 4.27% 82.95% 107.93% -4,790.40%
Invested Capital Q/Q Growth		 1.61% -0.46% -1.21% 5.93% 6.11% 2.50% -0.35% 4.64% -0.70% 1.44% 2.07%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 30.06% 28.17% 25.50% 25.59% 25.98% 24.20% 27.20% 24.34% 24.67% 23.78% 25.17%
EBIT Margin		 11.55% 12.31% 8.52% 8.30% 9.87% 10.06% 9.92% 8.33% 10.17% 11.70% 13.00%
Profit (Net Income) Margin		 9.07% 10.00% 6.38% 6.19% 7.26% 7.78% 7.56% 6.09% 7.74% 8.94% 9.98%
Tax Burden Percent		 78.67% 78.80% 74.97% 74.65% 73.62% 76.06% 74.94% 74.15% 76.11% 76.28% 75.16%
Interest Burden Percent		 99.78% 103.12% 100.00% 99.87% 100.00% 101.65% 101.68% 98.51% 100.00% 100.16% 102.13%
Effective Tax Rate		 21.33% 21.20% 25.03% 25.35% 26.38% 23.94% 25.06% 25.85% 23.89% 23.72% 24.84%
Return on Invested Capital (ROIC)		 8.16% 8.47% 5.37% 5.34% 6.31% 7.05% 6.84% 5.53% 6.86% 8.09% 8.89%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.15% 8.47% 5.37% 5.34% 6.31% 7.05% 6.91% 5.49% 6.86% 8.09% 9.00%
Return on Net Nonoperating Assets (RNNOA)		 6.03% 6.34% 4.32% 4.18% 5.36% 5.61% 5.10% 4.65% 6.00% 6.87% 7.34%
Return on Equity (ROE)		 14.20% 14.81% 9.69% 9.53% 11.66% 12.66% 11.94% 10.19% 12.87% 14.96% 16.23%
Cash Return on Invested Capital (CROIC)		 -35.01% 5.85% 12.31% 1.33% -3.33% -6.65% -4.15% -3.17% 3.51% 4.78% 0.23%
Operating Return on Assets (OROA)		 8.75% 8.68% 6.17% 6.11% 7.34% 7.75% 7.65% 6.45% 7.73% 9.05% 10.17%
Return on Assets (ROA)		 6.87% 7.06% 4.62% 4.56% 5.40% 5.99% 5.83% 4.71% 5.88% 6.91% 7.80%
Return on Common Equity (ROCE)		 14.20% 14.81% 9.69% 9.53% 11.66% 12.66% 11.94% 10.19% 12.87% 14.96% 16.23%
Return on Equity Simple (ROE_SIMPLE)		 11.23% 0.00% 14.59% 12.23% 11.98% 0.00% 11.41% 11.99% 12.25% 0.00% 13.65%
Net Operating Profit after Tax (NOPAT)		 59 80 47 45 57 70 60 50 65 84 82
NOPAT Margin		 9.09% 10.00% 6.38% 6.20% 7.26% 7.78% 7.44% 6.18% 7.74% 8.94% 9.77%
Net Nonoperating Expense Percent (NNEP)		 0.01% 0.00% 0.00% 0.00% 0.00% 0.00% -0.07% 0.05% 0.00% 0.00% -0.10%
SG&A Expenses to Revenue		 0.00% 0.00% 0.01% 0.00% -0.05% 0.00% 0.00% 0.00% -0.06% 0.00% 0.00%
Operating Expenses to Revenue		 83.56% 83.31% 87.54% 87.84% 85.92% 86.31% 86.33% 87.81% 84.99% 83.84% 82.66%
Earnings before Interest and Taxes (EBIT)		 76 99 63 61 78 90 81 67 85 109 109
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 197 225 189 187 204 216 221 196 207 222 211
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.86 2.09 2.31 2.20 2.33 2.42 2.80 2.40 2.57 2.26 2.62
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.00 0.00 0.00 114.71 0.00 0.00 121.58 203.35
Price to Revenue (P/Rev)		 1.39 1.44 1.57 1.46 1.50 1.53 1.83 1.48 1.58 1.37 1.59
Price to Earnings (P/E)		 16.57 15.46 15.87 18.00 19.46 22.01 24.51 20.04 20.98 17.91 19.16
Dividend Yield		 1.30% 1.49% 1.38% 1.44% 1.35% 1.27% 1.09% 1.34% 1.25% 1.41% 1.24%
Earnings Yield		 6.04% 6.47% 6.30% 5.55% 5.14% 4.54% 4.08% 4.99% 4.77% 5.58% 5.22%
Enterprise Value to Invested Capital (EV/IC)		 1.44 1.59 1.73 1.64 1.68 1.73 1.99 1.71 1.81 1.64 1.82
Enterprise Value to Revenue (EV/Rev)		 1.95 1.90 2.02 1.95 2.04 2.03 2.28 2.00 2.08 1.83 2.08
Enterprise Value to EBITDA (EV/EBITDA)		 7.10 6.27 6.60 6.97 7.52 8.04 8.60 7.66 8.05 7.32 8.44
Enterprise Value to EBIT (EV/EBIT)		 18.19 16.13 15.94 18.56 20.09 21.99 23.08 20.35 20.94 18.09 19.07
Enterprise Value to NOPAT (EV/NOPAT)		 23.29 20.60 20.43 24.06 26.47 29.36 30.55 27.06 27.62 23.96 25.06
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.49 11.03 12.12 12.45 13.21 15.40 16.65 14.61 15.34 11.47 12.95
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 27.47 13.81 127.06 0.00 0.00 0.00 0.00 52.51 34.60 821.94
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.81 0.73 0.72 0.80 0.88 0.86 0.75 0.90 0.87 0.84 0.88
Long-Term Debt to Equity		 0.76 0.73 0.72 0.74 0.83 0.80 0.75 0.85 0.87 0.84 0.83
Financial Leverage		 0.74 0.75 0.80 0.78 0.85 0.80 0.74 0.85 0.87 0.85 0.82
Leverage Ratio		 2.06 2.10 2.09 2.09 2.16 2.11 2.07 2.14 2.19 2.16 2.11
Compound Leverage Factor		 2.06 2.16 2.09 2.09 2.16 2.15 2.11 2.11 2.19 2.17 2.16
Debt to Total Capital		 44.79% 42.24% 41.81% 44.31% 46.94% 46.10% 43.02% 47.33% 46.40% 45.71% 46.70%
Short-Term Debt to Total Capital		 2.79% 0.00% 0.00% 2.83% 2.73% 2.75% 0.00% 2.60% 0.00% 0.00% 2.50%
Long-Term Debt to Total Capital		 42.00% 42.24% 41.81% 41.48% 44.20% 43.35% 43.02% 44.72% 46.40% 45.71% 44.20%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 55.21% 57.76% 58.19% 55.69% 53.06% 53.90% 56.98% 52.67% 53.60% 54.29% 53.30%
Debt to EBITDA		 2.20 1.67 1.59 1.88 2.10 2.14 1.86 2.12 2.06 2.04 2.16
Net Debt to EBITDA		 2.05 1.52 1.47 1.75 1.99 1.98 1.70 1.99 1.93 1.84 1.99
Long-Term Debt to EBITDA		 2.06 1.67 1.59 1.76 1.98 2.02 1.86 2.01 2.06 2.04 2.05
Debt to NOPAT		 7.22 5.47 4.93 6.51 7.38 7.82 6.62 7.50 7.07 6.69 6.42
Net Debt to NOPAT		 6.72 5.00 4.56 6.05 7.00 7.24 6.04 7.02 6.63 6.01 5.90
Long-Term Debt to NOPAT		 6.77 5.47 4.93 6.09 6.95 7.36 6.62 7.08 7.07 6.69 6.07
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -1,087 17 178 -143 -287 -380 -314 -301 -51 4.06 -191
Operating Cash Flow to CapEx		 995.89% 0.00% 799.78% 654.79% 606.08% 0.00% 463.66% 653.98% 845.98% 0.00% 980.64%
Free Cash Flow to Firm to Interest Expense		 -59.47 0.00 8.53 -6.78 0.00 0.00 -12.36 -11.94 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 5.42 0.00 5.29 4.51 0.00 0.00 4.82 4.22 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 4.87 0.00 4.63 3.82 0.00 0.00 3.78 3.57 0.00 0.00 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.76 0.71 0.72 0.74 0.74 0.77 0.77 0.77 0.76 0.77 0.78
Fixed Asset Turnover		 5.12 5.45 5.33 5.16 5.24 5.38 5.12 5.13 5.03 5.02 4.91
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,269 3,254 3,215 3,406 3,614 3,704 3,590 3,756 3,730 3,784 3,862
Invested Capital Turnover		 0.90 0.85 0.84 0.86 0.87 0.91 0.92 0.90 0.89 0.91 0.91
Increase / (Decrease) in Invested Capital		 1,147 63 -131 188 344 450 374 351 116 79 272
Enterprise Value (EV)		 4,724 5,177 5,574 5,580 6,082 6,408 7,127 6,418 6,762 6,191 7,043
Market Capitalization		 3,360 3,920 4,331 4,176 4,472 4,828 5,718 4,754 5,138 4,636 5,386
Book Value per Share		 $38.38 $40.58 $40.41 $41.71 $42.51 $44.26 $44.98 $43.51 $44.67 $45.90 $45.99
Tangible Book Value per Share		 ($1.36) ($0.69) ($0.79) ($0.15) ($1.94) ($0.20) $1.10 ($1.55) ($0.69) $0.85 $0.59
Total Capital		 3,269 3,254 3,215 3,406 3,614 3,704 3,590 3,756 3,730 3,784 3,862
Total Debt		 1,464 1,375 1,344 1,509 1,696 1,708 1,544 1,778 1,731 1,729 1,804
Total Long-Term Debt		 1,373 1,375 1,344 1,413 1,597 1,606 1,544 1,680 1,731 1,729 1,707
Net Debt		 1,364 1,257 1,243 1,404 1,610 1,581 1,409 1,664 1,624 1,554 1,658
Capital Expenditures (CapEx)		 9.94 0.00 14 15 18 0.00 26 16 13 0.00 13
Net Nonoperating Expense (NNE)		 0.13 0.00 0.00 0.06 0.00 0.00 -1.01 0.74 0.00 0.00 -1.74
Net Nonoperating Obligations (NNO)		 1,464 1,375 1,344 1,509 1,696 1,708 1,544 1,778 1,731 1,729 1,804
Total Depreciation and Amortization (D&A)		 121 127 126 126 127 126 140 129 122 113 102
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.26 $1.71 $1.03 $0.99 $1.27 $1.53 $1.36 $1.09 $1.45 $1.86 $1.87
Adjusted Weighted Average Basic Shares Outstanding		 46.32M 46.29M 45.47M 45.11M 45.11M 45.11M 45.47M 44.75M 44.75M 44.76M 44.36M
Adjusted Diluted Earnings per Share		 $1.26 $1.71 $1.02 $0.99 $1.26 $1.53 $1.35 $1.08 $1.44 $1.86 $1.87
Adjusted Weighted Average Diluted Shares Outstanding		 46.32M 46.29M 45.47M 45.11M 45.11M 45.11M 45.47M 44.75M 44.75M 44.76M 44.36M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 46.32M 46.29M 45.47M 45.11M 45.11M 45.11M 45.47M 44.75M 44.75M 44.76M 44.36M
Normalized Net Operating Profit after Tax (NOPAT)		 191 210 196 198 215 238 226 221 237 257 243
Normalized NOPAT Margin		 29.14% 26.19% 26.41% 27.08% 27.35% 26.61% 27.89% 27.45% 28.27% 27.46% 29.07%
Pre Tax Income Margin		 11.53% 12.70% 8.52% 8.29% 9.87% 10.23% 10.09% 8.21% 10.17% 11.72% 13.28%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.13 0.00 3.03 2.88 0.00 0.00 3.17 2.67 0.00 0.00 0.00
NOPAT to Interest Expense		 3.25 0.00 2.27 2.15 0.00 0.00 2.37 1.98 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 3.59 0.00 2.36 2.19 0.00 0.00 2.13 2.02 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 2.71 0.00 1.61 1.46 0.00 0.00 1.33 1.33 0.00 0.00 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 27.89% 23.50% 22.10% 26.46% 26.64% 28.21% 26.75% 26.58% 26.36% 25.41% 23.79%
Augmented Payout Ratio		 97.12% 85.77% 78.13% 100.61% 84.52% 80.37% 46.97% 67.70% 60.61% 58.25% 75.25%

Key Financial Trends

FirstCash Holdings, Inc. (NASDAQ: FCFS) has shown steady growth and operational consistency over recent years through the review of its quarterly financial statements from Q3 2022 through Q1 2025.

Positive Trends:

  • Net income has generally trended upwards. For example, Q1 2025 net income was $83.6 million, slightly above Q4 2024 and higher compared to prior quarters in 2023 and 2024, reflecting sustained profitability.
  • Diluted EPS increased from around $1.02 in Q3 2023 to $1.87 in Q1 2025, indicating earnings growth on a per-share basis.
  • Total revenue shows a rising trend, with $837.7 million reported in Q1 2025 compared to $786.6 million in Q3 2024 and $742.4 million in Q1 2023.
  • Operating cash flows remain solid, with $126.6 million from continuing operations in Q1 2025, supporting the company’s ability to fund investments and return capital to shareholders.
  • FirstCash has maintained consistent dividend payments, with a slight increase from $0.33 per share in early 2023 to $0.38 per share in Q1 2025, supporting shareholder returns.
  • Total assets have increased from approximately $3.87 billion in Q1 2023 to $4.43 billion in Q1 2025, indicating business expansion and asset base growth.
  • The company continues to invest in premises and equipment, with net property and equipment rising from $563 million in Q1 2023 to $724 million in Q1 2025, suggesting ongoing commitment to operational infrastructure.
  • Goodwill and intangibles have increased moderately, reflecting acquisitions or business growth, which can indicate strategic expansion.
  • Provision for credit losses, while present, has remained proportionally controlled relative to revenues each quarter, suggesting effective credit risk management.

Neutral Observations:

  • Interest income from investment securities increased significantly to $1.23 million in Q1 2025, but the overall impact on net interest income is small, as FirstCash is primarily a retail pawn and financial services operator, not a bank.
  • Long-term debt levels have fluctuated but remain manageable around $1.3-$1.7 billion, accompanied by sizeable debt repayments and issuances over quarters, reflecting active capital structure management.
  • Shares outstanding have moderately decreased from approximately 46.3 million in early 2022 to 44.4 million in Q1 2025, partly as a result of share repurchase programs.
  • Net cash from investing activities has fluctuated with sizable purchases of investments and property, possibly reflecting strategic asset allocation and capital expenditures.

Negative Trends and Risks:

  • Total non-interest expenses remain high, consistently exceeding $650 million per quarter, including substantial other special charges ($198M in Q1 2023, $214M in Q1 2025), which may pressure margins.
  • Provision for credit losses, while controlled, remains a significant expense, e.g., $36.4 million in Q1 2025, which could rise if credit quality deteriorates.
  • Net cash outflows from financing activities, particularly related to debt repayments and equity repurchases (e.g., $59.6 million repurchase in Q1 2025), impose pressure on liquidity.
  • Effect of exchange rate changes has been negative in some quarters, although impact is relatively small, it indicates some exposure to currency risks.

Overall, FirstCash demonstrates robust profitability growth with efficient capital deployment and shareholder-friendly returns. Cost pressures and credit-related provisions require monitoring but have not impeded consistent earnings increases. Active management of debt and investments in operations signal a balanced growth strategy.

08/02/25 09:32 AMAI Generated. May Contain Errors.

Frequently Asked Questions About FirstCash's Financials

When does FirstCash's financial year end?

According to the most recent income statement we have on file, FirstCash's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has FirstCash's net income changed over the last 9 years?

FirstCash's net income appears to be on an upward trend, with a most recent value of $258.82 million in 2024, rising from $60.71 million in 2015. The previous period was $219.30 million in 2023. View FirstCash's forecast to see where analysts expect FirstCash to go next.

How has FirstCash's revenue changed over the last 9 years?

Over the last 9 years, FirstCash's total revenue changed from $704.60 million in 2015 to $3.39 billion in 2024, a change of 381.2%.

How much debt does FirstCash have?

FirstCash's total liabilities were at $2.42 billion at the end of 2024, a 5.6% increase from 2023, and a 653.6% increase since 2015.

How much cash does FirstCash have?

In the past 9 years, FirstCash's cash and equivalents has ranged from $46.53 million in 2019 to $175.10 million in 2024, and is currently $175.10 million as of their latest financial filing in 2024.

How has FirstCash's book value per share changed over the last 9 years?

Over the last 9 years, FirstCash's book value per share changed from 15.51 in 2015 to 45.90 in 2024, a change of 195.9%.


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This page (NASDAQ:FCFS) was last updated on 8/2/2025 by MarketBeat.com Staff
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