FirstCash Holdings, Inc. (FCFS)
FirstCash Holdings, Inc., together with its subsidiaries, operates retail pawn stores in the United States, Mexico, rest of Latin America, and the United Kingdom. The company operates through four segments: U.S. Pawn, Latin America Pawn, U.K. Pawn, and Retail POS Payment Solutions segments. Its pawn stores lend money on the collateral of pledged personal property, including jewelry, electronics, tools, appliances, sporting goods, and musical instruments; and retails merchandise acquired through collateral forfeitures and over-the-counter purchases from customers. The company also provides retail POS payment solutions, which focuses on LTO products and facilitating other retail financing payment options across the network of traditional and e-commerce merchant partners. It serves cash and credit-constrained consumers. The company was formerly known as FirstCash, Inc and changed its name to FirstCash Holdings, Inc. in December 2021. FirstCash Holdings, Inc. was incorporated in 1988 and is headquartered in Fort Worth, Texas.
- Ticker
- FCFS
- Exchange
- Nasdaq
- Sector
- Financial Services
- Industry
- Credit Services
- Market cap
- $7.99B
- 52-week range
- $146.95 - $238.93
Valuation
- Share price
- $185.67 (close of Nov 6, 2026)
- P/E (TTM)
- 19.99x
- Price to book
- 3.52x
- Price to free cash flow
- 12.81x
- Enterprise value
- $10.60B
- Book value per share
- $52.80
Price performance
| Period | Change |
|---|---|
| 1 day | -1.00% |
| 5 days | +2.44% |
| 1 month | -12.83% |
| 3 months | -9.72% |
| 6 months | -17.98% |
| Year to date | +16.50% |
| 1 year | +14.67% |
| 3 years | +68.98% |
| 5 years | +114.77% |
| 10 years | +308.51% |
| All time | +15,814.57% |
Short interest
- As of
- Oct 15, 2026
- Short % of float
- 7.58%
- Shares short
- 2.80M
- Days to cover
- 8.63
- Change since prior report
- +15.78%
- Source
- FINRA consolidated short interest
Profitability and growth
- Return on equity
- 14.51%
- Return on invested capital
- 9.32%*
- Return on assets
- 6.23%
- Return on capital employed
- 11.63%*
- Gross margin
- 50.28%
- Net margin
- 9.02%
- EBITDA margin
- 15.54%
- Revenue growth
- 8.04%
- Net income growth
- 27.65%
- Free cash flow growth
- 12.58%
* Estimated EBIT: pre-tax income + net interest. This company reports no operating income line.
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 7.81%
- Current ratio
- 4.81x
- Net debt to EBITDA
- 2.57x
Latest reported year
- Period end
- Dec 31, 2025
- Fiscal year
- 2025
- Revenue
- $3.66B
- Cost of revenue
- $1.82B
- Gross profit
- $1.84B
- EBITDA
- $568.86M
- Net income
- $330.38M
- Earnings per share
- $7.46
- Interest expense
- $121.29M
- Shares outstanding
- 44.31M
Income statement by year
| Period end | Revenue | Gross profit | Net income | EPS |
|---|---|---|---|---|
| 2025-12-31 | $3.66B | $1.84B | $330.38M | $7.46 |
| 2024-12-31 | $3.39B | $1.63B | $258.81M | $5.76 |
| 2023-12-31 | $3.15B | $1.51B | $219.30M | $4.82 |
| 2022-12-31 | $2.73B | $1.26B | $253.50M | $5.37 |
| 2021-12-31 | $1.70B | $919.15M | $124.91M | $3.05 |
| 2020-12-31 | $1.63B | $911.14M | $106.58M | $2.57 |
| 2019-12-31 | $1.86B | $1.02B | $164.62M | $3.83 |
| 2018-12-31 | $1.78B | $966.77M | $153.21M | $3.42 |
| 2017-12-31 | $1.78B | $947.51M | $143.89M | $3.01 |
| 2016-12-31 | $1.09B | $604.80M | $60.13M | $1.72 |
Margins and returns by year
| Period end | Gross margin | Net margin | Return on equity | Return on capital |
|---|---|---|---|---|
| 2025-12-31 | 50.28% | 9.02% | 14.51% | 9.32%* |
| 2024-12-31 | 48.09% | 7.64% | 12.60% | 8.87%* |
| 2023-12-31 | 47.82% | 6.96% | 10.98% | 7.97%* |
| 2022-12-31 | 46.34% | 9.29% | 13.49% | 9.13%* |
| 2021-12-31 | 54.10% | 7.35% | 6.91% | 4.63%* |
| 2020-12-31 | 55.85% | 6.53% | 8.30% | 6.23%* |
| 2019-12-31 | 54.62% | 8.83% | 12.19% | 8.78%* |
| 2018-12-31 | 54.29% | 8.60% | 11.62% | 9.55%* |
| 2017-12-31 | 53.24% | 8.08% | 9.75% | 8.94%* |
| 2016-12-31 | 55.57% | 5.52% | 4.15% | 4.21%* |
* Estimated EBIT: pre-tax income + net interest. This company reports no operating income line.
Cash and debt by year
| Period end | Cash | Debt |
|---|---|---|
| 2025-12-31 | $125.20M | $2.21B |
| 2024-12-31 | $175.09M | $1.73B |
| 2023-12-31 | $127.02M | $1.61B |
| 2022-12-31 | $117.33M | $1.37B |
| 2021-12-31 | $120.05M | $1.29B |
| 2020-12-31 | $65.85M | $615.92M |
| 2019-12-31 | $46.53M | $631.57M |
| 2018-12-31 | $71.79M | $590.89M |
| 2017-12-31 | $114.42M | $402.24M |
| 2016-12-31 | $89.95M | $460.00M |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|---|---|
| 2025-12-31 | $531.04M | $20.25M |
| 2024-12-31 | $471.71M | $14.79M |
| 2023-12-31 | $355.99M | $13.67M |
| 2022-12-31 | $433.72M | $10.85M |
| 2021-12-31 | $181.28M | $5.15M |
| 2020-12-31 | $184.72M | $2.91M |
| 2019-12-31 | $187.28M | $8.68M |
| 2018-12-31 | $207.75M | $5.79M |
| 2017-12-31 | $194.39M | $3.07M |
| 2016-12-31 | $76.40M | $4.17M |
Dividend history
- Most recent payment
- Aug 14, 2026
- Paid in the last twelve months
- $1.68
| Payment date | Dividend per share |
|---|---|
| 2026-08-14 | $0.42 |
| 2026-05-15 | $0.42 |
| 2026-02-18 | $0.42 |
| 2025-11-14 | $0.42 |
| 2025-08-15 | $0.42 |
| 2025-05-15 | $0.38 |
| 2025-02-14 | $0.38 |
| 2024-11-15 | $0.38 |
Investor relations
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|---|---|
| 2026-10-22 | Sep 2026 | $2.64 |
| 2026-07-23 | Jun 2026 | - |
| 2026-04-23 | Mar 2026 | - |
| 2026-02-05 | Dec 2025 | $2.54 |
| 2025-10-30 | Sep 2025 | $1.91 |
| 2025-07-24 | Jun 2025 | $1.66 |
| 2025-04-24 | Mar 2025 | $1.75 |
| 2025-01-30 | Dec 2024 | $2.02 |
Filings and sources
- Company website
- firstcash.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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