FirstCash
FCFS
209.56
-3.44
-1.62%
FirstCash
US · FCFS
#1563 by market cap
Listed 1970
209.56
-3.44
-1.62%
Live - 5344 symbols - heartbeat 367s ago
· 2026-10-08 07:39
Pre-market
209.56
0.00%
After-hours
209.55
0.00%
Overnight
208.97
-0.28%
- Market cap
- 9.09B
- P/E (TTM)i
- 23.90
- P/Bi
- 3.91
- EPSi
- 7.42
- Div yieldi
- 0.80%
- 52W posi
- 69%
Reader sentiment
Are you bullish or bearish on FCFS?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Good
- Altman Z-Score is 3.61, above the 3.0 "safe zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +8.04% YoY
Margins
- Gross margin
- 50.28%
- Operating margin
- 15.36%
- Net margin
- 9.02%
Key ratios & quality
- Enterprise valuei
- 11.28B
- PEG ratioi
- 2.59
- Altman Z-Scorei
- 3.61
PEG uses trailing P/E against the 3-year net income growth rate (9.23%/yr) since forward earnings estimates aren't available here, so this is not a "forward PEG." Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1.78B | 1.86B | 1.63B | 1.70B | 2.73B | 3.15B | 3.39B | 3.66B |
| Gross profit | 966.77M | 1.02B | 911.14M | 919.15M | 1.26B | 1.51B | 1.63B | 1.84B |
| Selling & admin expenses | 120.04M | 122.33M | 110.93M | 111.26M | 147.94M | 181.65M | 177.98M | 232.84M |
| Research & development | -- | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | 240.44M | 258.57M | 195.95M | 197.16M | 283.90M | 384.28M | 445.64M | 562.23M |
| Pretax profit | 205.31M | 224.61M | 143.70M | 166.50M | 323.63M | 292.85M | 342.78M | 447.56M |
| Tax | 52.10M | 59.99M | 37.12M | 41.59M | 70.14M | 73.55M | 83.96M | 117.19M |
| Net profit | 153.21M | 164.62M | 106.58M | 124.91M | 253.50M | 219.30M | 258.82M | 330.38M |
| Basic EPS | 3 | 4 | 3 | 3 | 5 | 5 | 6 | 7 |
| Diluted EPS | 3.41 | 3.81 | 2.56 | 3.04 | 5.36 | 4.80 | 5.73 | 7.42 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 836.42M | 830.62M | 935.58M | 1.06B | 1.05B | 1.07B |
| Gross profit | 424.20M | 412.82M | 473.71M | 529.88M | 542.38M | 533.67M |
| Selling & admin expenses | 48.52M | 59.26M | 58.85M | 66.21M | 65.78M | 66.83M |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 135.59M | 105.20M | 149.30M | 172.14M | 175.66M | 166.67M |
| Pretax profit | 111.22M | 81.08M | 112.48M | 142.79M | 145.13M | 127.00M |
| Tax | 27.63M | 21.27M | 29.67M | 38.62M | 37.43M | 33.54M |
| Net profit | 83.59M | 59.81M | 82.81M | 104.17M | 107.70M | 93.47M |
| Basic EPS | 2 | 1 | 2 | 2 | 2 | 2 |
| Diluted EPS | 1.87 | 1.34 | 1.86 | 2.35 | 2.43 | 2.12 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 789.89M | 740.99M | 624.57M | 1.13B | 1.13B | 1.31B | 1.40B | 1.86B |
| Cash & ST investments | 71.79M | 46.53M | 65.85M | 120.05M | 117.33M | 127.02M | 175.10M | 125.20M |
| Inventory | 275.13M | 265.26M | 190.35M | 263.31M | 288.34M | 312.09M | 334.58M | 487.23M |
| Total assets | 2.11B | 2.44B | 2.37B | 3.84B | 3.90B | 4.29B | 4.48B | 5.30B |
| Total current liabilities | 133.05M | 202.90M | 206.41M | 392.21M | 295.53M | 335.59M | 339.40M | 407.81M |
| Short-term debt | -- | 86.47M | 88.62M | 90.57M | 92.94M | 101.96M | 95.16M | 111.29M |
| Long-term debt | 590.89M | 631.57M | 615.92M | 1.29B | 1.37B | 1.61B | 1.73B | 2.21B |
| Total liabilities | 789,870,000.00 | 1,089,405,000.00 | 1,088,382,000.00 | 2,028,325,000.00 | 2,025,101,000.00 | 2,293,497,000.00 | 2,422,822,000.00 | 3,024,001,000.00 |
| Total equity | 1.32B | 1.35B | 1.28B | 1.81B | 1.88B | 2.00B | 2.05B | 2.28B |
| Retained earnings | 606.81M | 727.48M | 789.30M | 866.68M | 1.06B | 1.22B | 1.41B | 1.67B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 1.33B | 1.37B | 1.79B | 1.86B | 1.91B | 2.02B |
| Cash & ST investments | 146.03M | 101.47M | 130.24M | 125.20M | 130.74M | 172.30M |
| Inventory | 334.70M | 355.73M | 456.27M | 487.23M | 538.79M | 570.49M |
| Total assets | 4.43B | 4.51B | 5.18B | 5.30B | 5.36B | 5.49B |
| Total current liabilities | 301.89M | 326.73M | 359.26M | 407.81M | 399.67M | 413.12M |
| Short-term debt | 96.54M | 100.85M | 111.33M | 111.29M | 104.80M | 111.51M |
| Long-term debt | 1.71B | 1.68B | 2.21B | 2.21B | 2.25B | 2.35B |
| Total liabilities | 2,367,917,000.00 | 2,374,081,000.00 | 2,982,670,000.00 | 3,024,001,000.00 | 3,063,242,000.00 | 3,163,781,000.00 |
| Total equity | 2.06B | 2.14B | 2.20B | 2.28B | 2.30B | 2.32B |
| Retained earnings | 1.48B | 1.52B | 1.58B | 1.67B | 1.76B | 1.83B |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 243.43M | 231.60M | 222.26M | 223.30M | 469.31M | 416.14M | 539.96M | 585.94M |
| Depreciation & amortization | 42.70M | 41.90M | 42.11M | 58.73M | 457.33M | 520.62M | 538.25M | 430.93M |
| Free cash flow | 207.75M | 187.29M | 184.72M | 181.28M | 433.72M | 355.99M | 471.71M | 531.04M |
| Dividends paid | -40.85M | -43.95M | -44.75M | -47.53M | -59.57M | -61.88M | -65.76M | -70.88M |
| Stock buybacks / issuance | -273.66M | -116.11M | -106.97M | -49.61M | -157.86M | -114.38M | -85.00M | -115.85M |
| Ending cash balance | 71.79M | 46.53M | 65.85M | 120.05M | 117.33M | 127.02M | 175.10M | 125.20M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 126.64M | 116.85M | 135.80M | 206.65M | 153.63M | 176.78M |
| Depreciation & amortization | 114.32M | 104.14M | 105.06M | 107.41M | 112.58M | 104.09M |
| Free cash flow | 113.73M | 103.90M | 124.25M | 189.16M | 133.51M | 159.03M |
| Dividends paid | -16.94M | -16.86M | -18.63M | -18.44M | -18.46M | -18.41M |
| Stock buybacks / issuance | -59.61M | -850.00K | -30.00M | -25.39M | -50.00M | -66.94M |
| Ending cash balance | 146.03M | 101.47M | 130.24M | 125.20M | 130.74M | 172.30M |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | 10.97 | 12.34 | 8.09 | 8.08 | 13.75 | 11.32 | 12.78 | 15.26 |
| ROA %i | 7.35 | 7.24 | 4.43 | 4.02 | 6.55 | 5.35 | 5.90 | 6.76 |
| ROIC %i | 9.15 | 8.87 | 5.72 | 5.33 | 8.86 | 7.71 | 8.40 | 9.34 |
| 5-year avg ROE %i | 12.26 | 10.71 | 9.53 | 9.86 | 10.65 | 10.72 | 10.80 | 12.24 |
| EBIT margin %i | 13.17 | 13.87 | 10.61 | 11.71 | 14.45 | 12.25 | 13.22 | 15.54 |
| FCF / sales %i | 11.67 | 10.05 | 11.32 | 10.67 | 15.89 | 11.30 | 13.92 | 14.51 |
| Current ratioi | 5.94 | 3.65 | 3.03 | 2.88 | 3.83 | 3.89 | 4.14 | 4.55 |
| Quick ratioi | 3.74 | 2.29 | 2.06 | 1.81 | 2.26 | 2.34 | 2.69 | 3.00 |
| Debt / assetsi | 28.03 | 37.37 | 37.92 | 41.36 | 42.79 | 44.83 | 45.79 | 48.46 |
| LT debt / equityi | 44.83 | 61.11 | 63.16 | 82.74 | 83.94 | 91.22 | 95.16 | 107.93 |
| Interest coveragei | 8.04 | 7.60 | 5.90 | 6.14 | 5.58 | 4.14 | 4.26 | 4.69 |
| Revenue CAGR (3Y) %i | 36.22 | 19.65 | -2.86 | -1.56 | 13.54 | 24.55 | 25.88 | 10.29 |
| Net income CAGR (3Y) %i | 36.15 | 39.90 | -9.52 | -6.58 | 15.48 | 27.19 | 27.49 | 9.23 |
| FCF CAGR (3Y) %i | 42.58 | 34.84 | -1.69 | -4.44 | 32.30 | 24.44 | 37.54 | 6.98 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 13.70 | 14.17 | 14.75 | 15.26 | 16.27 | 17.40 |
| ROA %i | 6.48 | 6.60 | 6.47 | 6.76 | 7.24 | 7.76 |
| ROIC %i | 9.02 | 9.13 | 8.88 | 9.34 | 9.95 | 10.63 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 14.15 | 14.62 | 15.13 | 15.54 | 15.73 | 16.14 |
| FCF / sales %i | 14.44 | 14.85 | 15.14 | 14.51 | 14.21 | 14.71 |
| Current ratioi | 4.39 | 4.21 | 4.99 | 4.55 | 4.77 | 4.89 |
| Quick ratioi | 2.86 | 2.70 | 3.31 | 3.00 | 3.10 | 3.20 |
| Debt / assetsi | 45.92 | 44.81 | 49.77 | 48.46 | 48.70 | 49.28 |
| LT debt / equityi | 94.06 | 89.81 | 112.21 | 107.93 | 109.05 | 111.62 |
| Interest coveragei | 4.47 | 4.57 | 4.66 | 4.69 | 4.75 | 4.83 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Lead segment, long tail
- U.S. Pawn is the largest reported line at 46.35% of revenue, across 5 reported segments.
- Latin America Pawn follows at 27.17%, so the top line still matters most but isn’t the whole story.
Revenue breakdown most recent period
Business
U.S. Pawn46.35%
Latin America Pawn27.17%
Retail Point-Of-Sale (POS) Payment Solutions17.63%
United Kingdom (U.K.) Pawn8.87%
Quote time 2026-10-08 07:39:12 · For reference only, not investment advice and not tailored to your situation.