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FirstCash (FCFS) Financials

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$215.90 +6.65 (+3.18%)
As of 10:46 AM Eastern
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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 2025
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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 61 60 144 153 165 107 125 253 219 259 330
Consolidated Net Income / (Loss)		 61 60 144 153 165 107 125 253 219 259 330
Net Income / (Loss) Continuing Operations		 61 60 144 153 165 107 125 253 219 259 330
Total Pre-Tax Income 		88 93 172 205 225 144 167 324 293 343 448
Total Revenue		 705 1,088 1,758 1,754 1,831 1,603 1,667 2,730 3,153 3,390 3,664
Net Interest Income / (Expense)		 0.00 0.00 -22 -27 -33 -28 -32 1.31 1.47 1.94 2.94
Total Interest Income		 0.00 0.00 1.60 2.44 1.06 1.54 0.70 1.31 1.47 1.94 2.94
Investment Securities Interest Income		 - - 1.60 2.44 1.06 1.54 0.70 1.31 1.47 1.94 2.94
Total Interest Expense		 0.00 0.00 24 29 34 29 32 0.00 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 3,661
Other Service Charges		 223 357 588 581 585 460 485 743 892 983 1,171
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 1,668
Other Non-Interest Income		 32 63 141 108 104 96 80 725 878 898 822
Provision for Credit Losses		 - - 20 - 4.16 -0.49 49 119 123 144 163
Total Non-Interest Expense		 617 995 1,566 1,549 1,603 1,450 1,451 2,291 2,744 2,904 3,070
Other Operating Expenses		 373 588 935 917 964 832 829 1,211 1,385 1,465 1,693
Depreciation Expense		 18 32 55 43 42 42 59 457 521 538 431
Restructuring Charge		 2.88 37 9.06 7.64 1.77 1.32 -2.42 -106 7.92 2.23 14
Other Special Charges		 215 340 566 582 595 575 565 728 831 904 932
Nonoperating Income / (Expense), net		 - - - - - -11 -0.95 2.73 6.74 - 16
Income Tax Expense		 27 33 28 52 60 37 42 70 74 84 117
Basic Earnings per Share		 - $1.72 $3.01 $3.42 $3.83 $2.57 $3.05 $5.37 $4.82 $5.76 $7.46
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 43.98M
Diluted Earnings per Share		 - $1.72 $3.00 $3.41 $3.81 $2.56 $3.04 $5.36 $4.80 $5.73 $7.42
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 43.98M
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 43.98M
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 $1.60

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 57 70 61 49 65 84 84 60 83 104 108
Consolidated Net Income / (Loss)		 57 70 61 49 65 84 84 60 83 104 108
Net Income / (Loss) Continuing Operations		 57 70 61 49 65 84 84 60 83 104 108
Total Pre-Tax Income 		78 91 82 66 85 110 111 81 112 143 145
Total Revenue		 787 894 837 831 838 935 838 831 936 1,059 1,052
Net Interest Income / (Expense)		 0.33 42 0.74 0.26 0.40 51 1.23 0.53 0.91 0.27 0.23
Total Interest Income		 0.33 0.22 0.74 0.26 0.40 0.53 1.23 0.53 0.91 0.27 0.23
Investment Securities Interest Income		 0.33 0.22 0.74 0.26 0.40 0.53 1.23 0.53 0.91 0.27 0.23
Total Interest Expense		 0.00 -42 0.00 0.00 0.00 -51 0.00 0.00 0.00 - 0.00
Total Non-Interest Income		 786 852 836 831 837 884 836 831 936 1,058 1,052
Other Service Charges		 236 238 237 238 248 260 265 267 305 333 344
Net Realized & Unrealized Capital Gains on Investments		 335 397 367 363 363 414 371 385 411 501 465
Other Non-Interest Income		 215 217 233 230 226 210 200 179 219 224 243
Provision for Credit Losses		 33 32 30 31 41 42 36 42 40 44 43
Total Non-Interest Expense		 676 772 725 734 712 784 690 708 784 885 864
Net Occupancy & Equipment Expense		 -0.38 - -2.31 -0.03 -1.80 - -2.32 -3.20 -3.74 - -3.53
Other Operating Expenses		 331 419 359 366 357 432 363 383 437 510 486
Depreciation Expense		 131 131 146 137 131 124 114 104 105 107 113
Restructuring Charge		 3.39 4.25 0.60 1.36 0.23 0.04 0.46 2.78 9.47 1.66 0.87
Other Special Charges		 211 217 221 230 226 227 215 221 236 259 268
Income Tax Expense		 20 22 21 17 20 26 28 21 30 39 37
Basic Earnings per Share		 $1.27 $1.53 $1.36 $1.09 $1.45 $1.86 $1.87 $1.35 $1.87 $2.37 $2.44
Weighted Average Basic Shares Outstanding		 45.11M 45.11M 45.47M 44.75M 44.75M 44.76M 44.36M 44.36M 44.13M 43.98M 43.84M
Diluted Earnings per Share		 $1.26 $1.53 $1.35 $1.08 $1.44 $1.86 $1.87 $1.34 $1.86 $2.35 $2.43
Weighted Average Diluted Shares Outstanding		 45.11M 45.11M 45.47M 44.75M 44.75M 44.76M 44.36M 44.36M 44.13M 43.98M 43.84M
Weighted Average Basic & Diluted Shares Outstanding		 45.11M 45.11M 45.47M 44.75M 44.75M 44.76M 44.36M 44.36M 44.13M 43.98M 43.84M
Cash Dividends to Common per Share		 $0.35 - $0.35 $0.35 $0.38 - $0.38 $0.38 $0.42 - $0.42

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 2025
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 12/31/2025
Net Change in Cash & Equivalents		 19 3.00 24 -43 -25 19 54 -2.72 9.69 48 -50
Net Cash From Operating Activities		 93 97 220 243 232 222 223 469 416 540 586
Net Cash From Continuing Operating Activities		 93 97 220 243 232 222 223 469 416 540 586
Net Income / (Loss) Continuing Operations		 61 60 144 153 165 107 125 253 219 259 330
Consolidated Net Income / (Loss)		 61 60 144 153 165 107 125 253 219 259 330
Provision For Loan Losses		 0.76 5.97 13 9.41 2.40 -0.84 54 258 299 307 283
Depreciation Expense		 18 32 55 43 42 42 59 457 521 538 431
Amortization Expense		 0.94 1.20 0.86 1.66 1.43 1.65 2.80 47 -15 -34 -63
Non-Cash Adjustments to Reconcile Net Income		 7.91 15 1.28 14 16 40 -1.05 -54 1.07 9.10 39
Changes in Operating Assets and Liabilities, net		 4.48 -17 6.37 22 5.56 33 -16 -492 -609 -539 -434
Net Cash From Investing Activities		 -72 -26 1.40 -159 -137 -20 -745 -336 -462 -442 -828
Net Cash From Continuing Investing Activities		 -72 -26 1.40 -159 -137 -20 -745 -336 -462 -442 -828
Purchase of Investment Securities		 -68 -72 -39 -169 -150 -22 -739 -251 -2,248 -2,376 -3,127
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - - - 604 644 759
Sale and/or Maturity of Investments		 0.00 62 - - 13 1.59 -5.84 -85 248 287 342
Other Investing Activities, net		 -3.72 -16 41 10 - - - - 933 1,004 1,197
Net Cash From Financing Activities		 9.13 -59 -198 -127 -121 -187 577 -139 51 -38 176
Net Cash From Continuing Financing Activities		 9.13 -59 -198 -127 -121 -187 577 -139 51 -38 176
Issuance of Debt		 120 400 506 416 257 854 1,110 286 646 945 796
Repayment of Debt		 -85 -439 -575 -229 -218 -887 -435 -208 -416 -825 -427
Repurchase of Common Equity		 -40 0.00 -92 -274 -116 -107 -50 -158 -114 -85 -116
Payment of Dividends		 0.00 -20 -37 -41 -44 -45 -48 -60 -62 -66 -71
Other Financing Activities, Net		 14 0.00 0.31 0.40 0.40 -2.53 -1.28 0.00 -2.46 -7.01 -5.76
Effect of Exchange Rate Changes		 -11 -9.17 0.22 0.25 1.00 3.91 -1.46 3.70 4.57 -12 16
Cash Interest Paid		 15 19 24 27 33 21 29 53 90 91 134

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -18 40 8.05 -21 -7.37 69 -29 -45 29 -5.04 5.54
Net Cash From Operating Activities		 111 99 123 106 113 198 127 117 136 207 154
Net Cash From Continuing Operating Activities		 111 99 123 106 113 198 127 117 136 207 154
Net Income / (Loss) Continuing Operations		 57 70 61 49 65 84 84 60 83 104 108
Consolidated Net Income / (Loss)		 57 70 61 49 65 84 84 60 83 104 108
Provision For Loan Losses		 73 67 73 79 80 75 64 74 68 77 73
Depreciation Expense		 131 131 146 137 131 124 114 104 105 107 113
Amortization Expense		 -4.29 -4.88 -6.04 -7.67 -9.34 -11 -12 -15 -19 -17 -16
Non-Cash Adjustments to Reconcile Net Income		 2.17 2.60 2.14 0.86 1.65 4.46 5.80 -0.04 26 7.04 3.31
Changes in Operating Assets and Liabilities, net		 -148 -166 -155 -152 -155 -78 -129 -107 -128 -71 -127
Net Cash From Investing Activities		 -284 -53 -30 -158 -148 -106 -50 -124 -488 -166 -116
Net Cash From Continuing Investing Activities		 -284 -53 -30 -158 -148 -106 -50 -124 -488 -166 -116
Purchase of Property, Leasehold Improvements and Equipment		 -18 - -26 -16 -13 - -13 -13 -12 - -20
Purchase of Investment Securities		 -222 -119 23 -110 -52 -163 -566 -54 -780 -2,283 -768
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - 168 - - - 211
Sale and/or Maturity of Investments		 -31 -27 -15 -22 -49 -53 94 -35 319 79 88
Other Investing Activities, net		 -12 - -11 -9.76 -33 - 267 -21 -16 1,241 373
Net Cash From Financing Activities		 157 -7.39 -85 34 32 -19 -105 -41 372 -49 -32
Net Cash From Continuing Financing Activities		 157 -7.39 -85 34 32 -19 -105 -41 372 -49 -32
Issuance of Debt		 366 100 550 250 89 56 106 66 517 107 189
Repayment of Debt		 -180 -93 -612 -115 -40 -58 -129 -89 -97 -112 -141
Repurchase of Common Equity		 -14 1.14 0.00 -85 - - -60 -0.85 -30 -25 -50
Payment of Dividends		 -15 -16 -16 -16 -17 -17 -17 -17 -19 -18 -18
Other Financing Activities, Net		 - - -7.01 - - - -5.76 - - - -11
Effect of Exchange Rate Changes		 -2.15 1.92 0.09 -3.42 -4.51 -4.26 -0.24 3.35 9.50 3.18 -0.61

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 2025
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 12/31/2025
Total Assets		 753 2,145 2,063 2,108 2,439 2,372 3,836 3,905 4,290 4,477 5,301
Cash and Due from Banks		 87 90 114 72 47 66 120 117 127 175 125
Trading Account Securities		 - - - - - - - - - - 114
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 0.00
Premises and Equipment, Net		 112 236 - 252 336 374 463 539 633 718 808
Goodwill		 296 831 831 917 949 977 1,536 1,581 1,728 1,787 2,023
Intangible Assets		 6.18 104 - 88 86 84 388 330 278 229 231
Other Assets		 252 884 645 779 1,022 872 1,330 1,337 1,525 1,568 1,999
Total Liabilities & Shareholders' Equity		 753 2,145 0.00 2,108 2,439 2,372 3,836 3,905 4,290 4,477 5,301
Total Liabilities		 322 695 0.00 790 1,089 1,088 2,028 2,025 2,293 2,423 3,024
Non-Interest Bearing Deposits		 14 34 - 35 40 35 57 63 71 73 84
Other Short-Term Payables		 28 109 - 97 72 82 244 139 163 172 324
Long-Term Debt		 254 457 - 591 632 616 1,293 1,375 1,606 1,729 2,208
Other Long-Term Liabilities		 21 95 - 66 255 266 343 355 352 354 408
Total Equity & Noncontrolling Interests		 431 1,450 0.00 1,318 1,350 1,284 1,808 1,880 1,996 2,054 2,277
Total Preferred & Common Equity		 431 1,450 0.00 1,318 1,350 1,284 1,808 1,880 1,996 2,054 2,277
Total Common Equity		 431 1,450 0.00 1,318 1,350 1,284 1,808 1,880 1,996 2,054 2,277
Common Stock		 203 1,218 - 1,225 1,232 1,222 1,726 1,735 1,742 1,768 1,772
Retained Earnings		 644 387 - 607 727 789 867 1,061 1,218 1,411 1,671
Treasury Stock		 -337 -36 - -401 -512 -609 -653 -809 -920 -995 -1,101
Accumulated Other Comprehensive Income / (Loss)		 -78 -120 - -113 -97 -118 -131 -107 -43 -130 -65

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 Q2 2025 Q3 2025 Q1 2026
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 6/30/2025 9/30/2025 3/31/2026
Total Assets		 3,861 3,869 3,960 4,175 4,247 4,322 4,393 4,426 4,514 5,182 5,361
Cash and Due from Banks		 101 101 105 87 135 114 106 146 101 130 131
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 0.00
Premises and Equipment, Net		 536 563 588 605 658 661 689 724 751 786 842
Goodwill		 1,524 1,591 1,600 1,713 1,730 1,795 1,789 1,815 1,826 1,970 2,021
Intangible Assets		 346 316 304 292 265 254 241 217 205 247 215
Other Assets		 1,356 1,149 1,363 1,478 1,301 1,499 1,429 1,524 1,631 2,049 2,153
Total Liabilities & Shareholders' Equity		 3,861 3,869 3,960 4,175 4,247 4,322 4,393 4,426 4,514 5,182 5,361
Total Liabilities		 2,056 1,998 2,063 2,257 2,202 2,344 2,394 2,368 2,374 2,983 3,063
Non-Interest Bearing Deposits		 63 69 70 72 75 76 78 76 81 85 88
Short-Term Debt		 91 - 96 99 - 98 - 97 101 111 105
Other Short-Term Payables		 176 238 146 147 240 141 230 129 145 163 207
Long-Term Debt		 1,373 1,344 1,413 1,597 1,544 1,680 1,731 1,707 1,685 2,213 2,254
Other Long-Term Liabilities		 352 348 338 342 343 349 355 359 362 410 409
Total Equity & Noncontrolling Interests		 1,805 1,871 1,897 1,918 2,045 1,978 1,999 2,058 2,140 2,200 2,298
Total Preferred & Common Equity		 1,805 1,871 1,897 1,918 2,045 1,978 1,999 2,058 2,140 2,200 2,298
Total Common Equity		 1,805 1,871 1,897 1,918 2,045 1,978 1,999 2,058 2,140 2,200 2,298
Common Stock		 1,733 1,731 1,735 1,738 1,728 1,762 1,765 1,756 1,761 1,767 1,756
Retained Earnings		 996 1,093 1,123 1,164 1,264 1,297 1,345 1,478 1,521 1,585 1,760
Treasury Stock		 -796 -876 -911 -920 -910 -995 -995 -1,045 -1,045 -1,075 -1,142
Accumulated Other Comprehensive Income / (Loss)		 -127 -77 -49 -65 -37 -84 -115 -131 -96 -77 -76

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 2025
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 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
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 $7.46
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 43.98M
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 $7.42
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 43.98M
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		 28.24M 48.29M 46.55M 43.57M 42.00M 41.04M 48.49M 46.29M 45.11M 44.76M 43.98M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for FirstCash

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 43,984,696.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 43,984,696.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 2.45
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 20.27% 11.75% 9.34% 10.43% 6.50% 4.54% 0.06% -0.01% 11.79% - 25.57%
EBITDA Growth		 3.97% -4.00% 16.66% 5.05% 1.13% 2.73% -5.10% -12.70% -3.84% - 13.40%
EBIT Growth		 2.73% -8.65% 27.40% 10.85% 9.73% 21.50% 32.99% 22.52% 32.05% - 30.49%
NOPAT Growth		 -3.87% -13.09% 27.36% 10.11% 13.45% 20.06% 33.38% 21.87% 27.74% - 28.84%
Net Income Growth		 -3.66% -13.09% 29.50% 8.62% 13.45% 20.06% 36.21% 21.87% 27.74% - 28.84%
EPS Growth		 0.00% -10.53% 32.35% 9.09% 14.29% 21.57% 38.52% 24.07% 29.17% - 29.95%
Operating Cash Flow Growth		 12.46% -30.94% 10.79% 11.69% 1.55% 99.94% 3.35% 10.05% 20.08% - 21.31%
Free Cash Flow Firm Growth		 73.60% -2,308.77% -276.29% -110.60% 82.14% 101.07% 39.12% 63.53% -1,287.92% - -263.89%
Invested Capital Growth		 10.53% 13.81% 11.65% 10.29% 3.21% 2.15% 7.59% 4.52% 21.30% - 20.59%
Revenue Q/Q Growth		 7.76% 13.69% -1.70% -0.69% 3.92% 11.61% -10.41% -0.78% 12.67% - -0.64%
EBITDA Q/Q Growth		 9.43% 5.87% 2.04% -11.14% 5.34% 7.55% -5.16% -19.17% 16.63% - 10.16%
EBIT Q/Q Growth		 28.09% 15.95% -10.52% -16.58% 26.80% 28.39% -0.42% -25.55% 38.73% - 12.31%
NOPAT Q/Q Growth		 26.32% 21.78% -13.27% -17.46% 30.14% 28.88% -2.03% -26.93% 38.46% - 3.39%
Net Income Q/Q Growth		 26.48% 21.78% -11.81% -20.03% 32.10% 28.88% 0.05% -28.46% 38.46% - 3.39%
EPS Q/Q Growth		 27.27% 21.43% -11.76% -20.00% 33.33% 29.17% 0.54% -28.34% 38.81% - 3.40%
Operating Cash Flow Q/Q Growth		 17.14% -11.01% 23.64% -13.34% 6.50% 75.21% -36.09% -7.73% 16.22% - -25.66%
Free Cash Flow Firm Q/Q Growth		 -101.04% -32.36% -12.99% 4.27% 82.95% 107.93% -4,790.40% 42.32% -547.12% - -36.82%
Invested Capital Q/Q Growth		 6.11% 2.50% -0.35% 4.64% -0.70% 1.44% 2.07% 1.65% 15.24% - 3.83%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 25.98% 24.20% 27.20% 24.34% 24.67% 23.78% 25.17% 20.50% 21.22% - 22.98%
EBIT Margin		 9.87% 10.06% 9.92% 8.33% 10.17% 11.70% 13.00% 9.76% 12.01% - 13.80%
Profit (Net Income) Margin		 7.26% 7.78% 7.56% 6.09% 7.74% 8.94% 9.98% 7.20% 8.84% - 10.24%
Tax Burden Percent		 73.62% 76.06% 74.94% 74.15% 76.11% 76.28% 75.16% 73.76% 73.62% - 74.21%
Interest Burden Percent		 100.00% 101.65% 101.68% 98.51% 100.00% 100.16% 102.13% 100.00% 100.00% - 100.00%
Effective Tax Rate		 26.38% 23.94% 25.06% 25.85% 23.89% 23.72% 24.84% 26.24% 26.38% - 25.79%
Return on Invested Capital (ROIC)		 6.31% 7.05% 6.84% 5.53% 6.86% 8.09% 8.89% 6.35% 7.48% - 9.32%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.31% 7.05% 6.91% 5.49% 6.86% 8.09% 9.00% 6.35% 7.48% - 9.32%
Return on Net Nonoperating Assets (RNNOA)		 5.36% 5.61% 5.10% 4.65% 6.00% 6.87% 7.34% 5.50% 7.22% - 8.91%
Return on Equity (ROE)		 11.66% 12.66% 11.94% 10.19% 12.87% 14.96% 16.23% 11.85% 14.70% - 18.23%
Cash Return on Invested Capital (CROIC)		 -3.33% -6.65% -4.15% -3.17% 3.51% 4.78% 0.23% 3.18% -11.74% - -10.34%
Operating Return on Assets (OROA)		 7.34% 7.75% 7.65% 6.45% 7.73% 9.05% 10.17% 7.49% 8.75% - 10.93%
Return on Assets (ROA)		 5.40% 5.99% 5.83% 4.71% 5.88% 6.91% 7.80% 5.52% 6.45% - 8.11%
Return on Common Equity (ROCE)		 11.66% 12.66% 11.94% 10.19% 12.87% 14.96% 16.23% 11.85% 14.70% - 18.23%
Return on Equity Simple (ROE_SIMPLE)		 11.98% 0.00% 11.41% 11.99% 12.25% 0.00% 13.65% 13.63% 14.08% - 15.43%
Net Operating Profit after Tax (NOPAT)		 57 70 60 50 65 84 82 60 83 - 108
NOPAT Margin		 7.26% 7.78% 7.44% 6.18% 7.74% 8.94% 9.77% 7.20% 8.84% - 10.24%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% -0.07% 0.05% 0.00% 0.00% -0.10% 0.00% 0.00% - 0.00%
SG&A Expenses to Revenue		 -0.05% 0.00% 0.00% 0.00% -0.06% 0.00% 0.00% -0.38% -0.40% - -0.34%
Operating Expenses to Revenue		 85.92% 86.31% 86.33% 87.81% 84.99% 83.84% 82.66% 85.22% 83.68% - 82.13%
Earnings before Interest and Taxes (EBIT)		 78 90 81 67 85 109 109 81 112 - 145
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 204 216 221 196 207 222 211 170 199 - 242
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 2.33 2.42 2.80 2.40 2.57 2.26 2.62 2.80 3.20 - 3.60
Price to Tangible Book Value (P/TBV)		 0.00 0.00 114.71 0.00 0.00 121.58 203.35 54.83 0.00 - 132.17
Price to Revenue (P/Rev)		 1.50 1.53 1.83 1.48 1.58 1.37 1.59 1.77 2.01 - 2.13
Price to Earnings (P/E)		 19.46 22.01 24.51 20.04 20.98 17.91 19.16 20.55 22.69 - 23.33
Dividend Yield		 1.35% 1.27% 1.09% 1.34% 1.25% 1.41% 1.24% 1.12% 0.98% - 0.87%
Earnings Yield		 5.14% 4.54% 4.08% 4.99% 4.77% 5.58% 5.22% 4.87% 4.41% - 4.29%
Enterprise Value to Invested Capital (EV/IC)		 1.68 1.73 1.99 1.71 1.81 1.64 1.82 1.96 2.04 - 2.25
Enterprise Value to Revenue (EV/Rev)		 2.04 2.03 2.28 2.00 2.08 1.83 2.08 2.26 2.64 - 2.71
Enterprise Value to EBITDA (EV/EBITDA)		 7.52 8.04 8.60 7.66 8.05 7.32 8.44 9.48 11.50 - 12.68
Enterprise Value to EBIT (EV/EBIT)		 20.09 21.99 23.08 20.35 20.94 18.09 19.07 19.99 22.41 - 22.55
Enterprise Value to NOPAT (EV/NOPAT)		 26.47 29.36 30.55 27.06 27.62 23.96 25.06 26.32 29.77 - 29.61
Enterprise Value to Operating Cash Flow (EV/OCF)		 13.21 15.40 16.65 14.61 15.34 11.47 12.95 13.84 15.97 - 17.13
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 52.51 34.60 821.94 62.94 0.00 - 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.88 0.86 0.75 0.90 0.87 0.84 0.88 0.83 1.06 - 1.03
Long-Term Debt to Equity		 0.83 0.80 0.75 0.85 0.87 0.84 0.83 0.79 1.01 - 0.98
Financial Leverage		 0.85 0.80 0.74 0.85 0.87 0.85 0.82 0.87 0.97 - 0.96
Leverage Ratio		 2.16 2.11 2.07 2.14 2.19 2.16 2.11 2.15 2.28 - 2.25
Compound Leverage Factor		 2.16 2.15 2.11 2.11 2.19 2.17 2.16 2.15 2.28 - 2.25
Debt to Total Capital		 46.94% 46.10% 43.02% 47.33% 46.40% 45.71% 46.70% 45.49% 51.38% - 50.65%
Short-Term Debt to Total Capital		 2.73% 2.75% 0.00% 2.60% 0.00% 0.00% 2.50% 2.57% 2.46% - 2.25%
Long-Term Debt to Total Capital		 44.20% 43.35% 43.02% 44.72% 46.40% 45.71% 44.20% 42.92% 48.92% - 48.40%
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		 53.06% 53.90% 56.98% 52.67% 53.60% 54.29% 53.30% 54.51% 48.62% - 49.35%
Debt to EBITDA		 2.10 2.14 1.86 2.12 2.06 2.04 2.16 2.20 2.90 - 2.85
Net Debt to EBITDA		 1.99 1.98 1.70 1.99 1.93 1.84 1.99 2.08 2.74 - 2.69
Long-Term Debt to EBITDA		 1.98 2.02 1.86 2.01 2.06 2.04 2.05 2.08 2.76 - 2.72
Debt to NOPAT		 7.38 7.82 6.62 7.50 7.07 6.69 6.42 6.12 7.50 - 6.65
Net Debt to NOPAT		 7.00 7.24 6.04 7.02 6.63 6.01 5.90 5.77 7.08 - 6.29
Long-Term Debt to NOPAT		 6.95 7.36 6.62 7.08 7.07 6.69 6.07 5.77 7.14 - 6.36
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)		 -287 -380 -314 -301 -51 4.06 -191 -110 -711 - -687
Operating Cash Flow to CapEx		 606.08% 0.00% 463.66% 653.98% 845.98% 0.00% 980.64% 902.21% 1,175.48% - 0.00%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 -12.36 -11.94 0.00 0.00 0.00 0.00 0.00 - 0.00
Operating Cash Flow to Interest Expense		 0.00 0.00 4.82 4.22 0.00 0.00 0.00 0.00 0.00 - 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 3.78 3.57 0.00 0.00 0.00 0.00 0.00 - 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.74 0.77 0.77 0.77 0.76 0.77 0.78 0.77 0.73 - 0.79
Fixed Asset Turnover		 5.24 5.38 5.12 5.13 5.03 5.02 4.91 4.80 4.73 - 4.95
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,614 3,704 3,590 3,756 3,730 3,784 3,862 3,926 4,524 - 4,657
Invested Capital Turnover		 0.87 0.91 0.92 0.90 0.89 0.91 0.91 0.88 0.85 - 0.91
Increase / (Decrease) in Invested Capital		 344 450 374 351 116 79 272 170 794 - 795
Enterprise Value (EV)		 6,082 6,408 7,127 6,418 6,762 6,191 7,043 7,680 9,222 - 10,497
Market Capitalization		 4,472 4,828 5,718 4,754 5,138 4,636 5,386 5,995 7,028 - 8,269
Book Value per Share		 $42.51 $44.26 $44.98 $43.51 $44.67 $45.90 $45.99 $48.24 $49.58 - $52.25
Tangible Book Value per Share		 ($1.94) ($0.20) $1.10 ($1.55) ($0.69) $0.85 $0.59 $2.46 ($0.39) - $1.42
Total Capital		 3,614 3,704 3,590 3,756 3,730 3,784 3,862 3,926 4,524 - 4,657
Total Debt		 1,696 1,708 1,544 1,778 1,731 1,729 1,804 1,786 2,324 - 2,359
Total Long-Term Debt		 1,597 1,606 1,544 1,680 1,731 1,729 1,707 1,685 2,213 - 2,254
Net Debt		 1,610 1,581 1,409 1,664 1,624 1,554 1,658 1,684 2,194 - 2,228
Capital Expenditures (CapEx)		 18 0.00 26 16 13 0.00 13 13 12 - -191
Net Nonoperating Expense (NNE)		 0.00 0.00 -1.01 0.74 0.00 0.00 -1.74 0.00 0.00 - 0.00
Net Nonoperating Obligations (NNO)		 1,696 1,708 1,544 1,778 1,731 1,729 1,804 1,786 2,324 - 2,359
Total Depreciation and Amortization (D&A)		 127 126 140 129 122 113 102 89 86 - 97
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.27 $1.53 $1.36 $1.09 $1.45 $1.86 $1.87 $1.35 $1.87 $2.37 $2.44
Adjusted Weighted Average Basic Shares Outstanding		 45.11M 45.11M 45.47M 44.75M 44.75M 44.76M 44.36M 44.36M 44.13M 43.98M 43.84M
Adjusted Diluted Earnings per Share		 $1.26 $1.53 $1.35 $1.08 $1.44 $1.86 $1.87 $1.34 $1.86 $2.35 $2.43
Adjusted Weighted Average Diluted Shares Outstanding		 45.11M 45.11M 45.47M 44.75M 44.75M 44.76M 44.36M 44.36M 44.13M 43.98M 43.84M
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		 45.11M 45.11M 45.47M 44.75M 44.75M 44.76M 44.36M 44.36M 44.13M 43.98M 43.84M
Normalized Net Operating Profit after Tax (NOPAT)		 215 238 226 221 237 257 243 225 264 - 307
Normalized NOPAT Margin		 27.35% 26.61% 27.89% 27.45% 28.27% 27.46% 29.07% 27.07% 28.16% - 29.23%
Pre Tax Income Margin		 9.87% 10.23% 10.09% 8.21% 10.17% 11.72% 13.28% 9.76% 12.01% - 13.80%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 3.17 2.67 0.00 0.00 0.00 0.00 0.00 - 0.00
NOPAT to Interest Expense		 0.00 0.00 2.37 1.98 0.00 0.00 0.00 0.00 0.00 - 0.00
EBIT Less CapEx to Interest Expense		 0.00 0.00 2.13 2.02 0.00 0.00 0.00 0.00 0.00 - 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.00 1.33 1.33 0.00 0.00 0.00 0.00 0.00 - 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 26.64% 28.21% 26.75% 26.58% 26.36% 25.41% 23.79% 23.24% 22.42% - 20.42%
Augmented Payout Ratio		 84.52% 80.37% 46.97% 67.70% 60.61% 58.25% 75.25% 43.96% 51.62% - 50.39%

Financials Breakdown Chart

Key Financial Trends

FirstCash’s first quarter of 2026 showed solid earnings and strong operating cash flow, but the quarter also reflected a heavier investment and financing burden than the same period a year ago. Net income rose to $107.7 million from $83.6 million in Q1 2025, and diluted EPS improved to $2.43 from $1.87. Operating cash flow also increased to $153.6 million, up from $126.6 million last year.

The bigger picture over the last several years is mixed but generally constructive. FirstCash has continued to grow revenue, supported by strong non-interest income, while maintaining profitability and paying dividends. At the same time, the company has steadily expanded its balance sheet, including higher goodwill, intangibles, property and debt, which investors should watch closely.

  • Net income improved year over year. Q1 2026 net income rose to $107.7 million versus $83.6 million in Q1 2025, indicating stronger profitability.
  • EPS increased meaningfully. Diluted EPS climbed to $2.43 from $1.87, showing earnings growth outpaced share count changes.
  • Operating cash flow remained strong. FirstCash generated $153.6 million in operating cash flow in Q1 2026, up from $126.6 million a year earlier.
  • Revenue stayed at a very high level. Q1 2026 total revenue was $1.05 billion, roughly in line with the company’s recent elevated quarterly run rate.
  • Non-interest income remains the main profit engine. The company produced $1.05 billion of non-interest income in Q1 2026, reflecting a business model that is still heavily driven by service charges and investment gains.
  • Dividend payments continue. Cash dividends were $0.42 per share in Q1 2026, signaling ongoing shareholder returns.
  • Capital spending remains manageable. Property and equipment purchases were only $20.1 million in Q1 2026, a modest use of cash relative to operating generation.
  • The company is still active on the balance sheet. Debt issuance and repayments were both meaningful in Q1 2026, suggesting active liability management rather than a static capital structure.
  • Free cash flow was pressured by large investing outflows. Purchases of investment securities totaled $768.0 million in Q1 2026, far outweighing sales and maturities and leading to a net investing cash outflow of $115.9 million.
  • Debt remains elevated. Q1 2026 long-term debt was $2.25 billion, up from $1.68 billion in Q2 2025 and $1.34 billion in Q1 2024, which adds leverage risk.
  • Goodwill and intangibles are large. Goodwill of $2.02 billion and intangible assets of $215.0 million make up a significant portion of assets, increasing balance sheet sensitivity to impairment risk.
  • Special charges have been persistent. The company reported $268.3 million of other special charges in Q1 2026, which keeps reported profitability less clean than operating results alone might suggest.

Longer-term trend: FirstCash has generally grown earnings, revenue, and retained earnings since 2023, but it has also expanded debt and acquired assets aggressively. That combination can support growth, but it also raises the importance of monitoring leverage, integration risk, and the quality of earnings. For retail investors, the key takeaway is that FCFS looks profitable and cash-generative, but it is not a low-risk balance-sheet story.

06/03/26 08:55 AM ETAI Generated. May Contain Errors.

FirstCash Financials - Frequently Asked Questions

According to the most recent income statement we have on file, FirstCash's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

FirstCash's net income appears to be on an upward trend, with a most recent value of $330.38 million in 2025, rising from $60.71 million in 2015. The previous period was $258.82 million in 2024. See where experts think FirstCash is headed by visiting FirstCash's forecast page.

Over the last 10 years, FirstCash's total revenue changed from $704.60 million in 2015 to $3.66 billion in 2025, a change of 420.0%.

FirstCash's total liabilities were at $3.02 billion at the end of 2025, a 24.8% increase from 2024, and a 840.6% increase since 2015.

In the past 10 years, FirstCash's cash and equivalents has ranged from $46.53 million in 2019 to $175.10 million in 2024, and is currently $125.20 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:FCFS last updated on 4/28/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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