FirstCash Financials

FCFS Stock  USD 168.03  2.18  1.31%   
FirstCash is doing better financially today then in previous quarter. It has a moderate chance of reporting better financial numbers in February. At this time, FirstCash's Cash is comparatively stable compared to the past year. Non Current Assets Total is likely to gain to about 3.7 B in 2026, despite the fact that Accumulated Other Comprehensive Income is likely to grow to (110.8 M).
 
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FirstCash Balance Sheet Chart

At this time, FirstCash's Cash is comparatively stable compared to the past year. Non Current Assets Total is likely to gain to about 3.7 B in 2026, despite the fact that Accumulated Other Comprehensive Income is likely to grow to (110.8 M).
Key indicators impacting FirstCash's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.06650.0687
Sufficiently Down
Slightly volatile
Return On Assets0.06080.052
Fairly Up
Slightly volatile
Return On Equity0.0880.11
Significantly Down
Slightly volatile
Debt Equity Ratio0.661.15
Way Down
Slightly volatile
Operating Income543.9 M518 M
Sufficiently Up
Slightly volatile
Current Ratio6.384.76
Significantly Up
Slightly volatile
The financial analysis of FirstCash is a critical element in measuring its lifeblood. Investors should not minimize FirstCash's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

312.52 Million

  
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Understanding current and past FirstCash Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of FirstCash's financial statements are interrelated, with each one affecting the others. For example, an increase in FirstCash's assets may result in an increase in income on the income statement.

FirstCash Earnings Geography

Please note, the imprecision that can be found in FirstCash's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of FirstCash. Check FirstCash's Beneish M Score to see the likelihood of FirstCash's management manipulating its earnings.

FirstCash Stock Summary

FirstCash competes with SLM Corp, OneMain Holdings, Blue Owl, Synchrony Financial, and Hamilton Lane. FirstCash Holdings, Inc, together with its subsidiaries, operates retail pawn stores in the United States, Mexico, and rest of Latin America. The company was incorporated in 1988 and is headquartered in Fort Worth, Texas. Firstcash Holdings operates under Credit Services classification in the United States and is traded on NASDAQ Exchange. It employs 17000 people.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS33768G1076
Business Address1600 West 7th
SectorConsumer Finance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitefirstcash.com
Phone817 335 1100
CurrencyUSD - US Dollar

FirstCash Key Financial Ratios

FirstCash Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets3.8B3.9B4.3B4.5B5.1B5.4B
Other Current Liab185.4M84.2M173.9M212.4M244.2M256.4M
Net Debt1.5B1.6B1.8B1.9B2.2B2.3B
Retained Earnings866.7M1.1B1.2B1.4B1.6B1.7B
Cash120.0M117.3M127.0M175.1M201.4M211.4M
Net Receivables584.4M551.9M657.7M738.7M849.5M892.0M
Inventory263.3M288.3M312.1M334.6M384.8M404.0M
Total Liab2.0B2.0B2.3B2.4B2.8B2.9B
Total Current Assets1.1B1.1B1.3B1.4B1.6B1.7B
Short Term Debt90.6M92.9M102.0M95.2M109.4M114.9M
Other Current Assets161.7M173.1M209.8M155.4M178.7M187.6M
Intangible Assets388.2M330.3M277.7M228.9M263.2M276.3M
Accounts Payable23.1M27.4M26.5M31.1M35.8M37.6M
Other Assets23.2M312.9M14.1M16.8M19.3M31.9M
Long Term Debt1.3B1.4B1.6B1.7B2.0B2.1B
Treasury Stock(512.5M)(609.3M)(652.8M)(809.4M)(728.4M)(692.0M)
Good Will1.5B1.6B1.7B1.8B2.1B2.2B
Net Tangible Assets1.4B1.3B(108.3M)1.9B2.2B2.3B
Capital Surpluse1.2B1.2B1.7B1.7B2.0B1.0B

FirstCash Key Income Statement Accounts

The reason investors look at the income statement is to determine what FirstCash's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
202120222023202420252026 (projected)
Interest Expense32.4M70.7M93.2M105.2M121.0M127.1M
Total Revenue1.7B2.7B3.2B3.4B3.9B4.1B
Gross Profit919.2M1.3B1.5B1.6B1.9B2.0B
Operating Income197.2M283.9M389.6M450.4M518.0M543.9M
Ebit198.9M394.3M386.1M448.0M515.2M541.0M
Ebitda257.6M851.7M906.7M986.2M1.1B1.2B
Cost Of Revenue779.8M1.5B1.6B1.8B2.0B2.1B
Income Before Tax166.5M323.6M292.8M342.8M394.2M413.9M
Net Income124.9M253.5M219.3M258.8M297.6M312.5M
Income Tax Expense41.6M70.1M73.5M84.0M96.6M101.4M
Non Recurring35.8M41.2M48.8M74.4M85.6M89.9M
Tax Provision41.6M70.1M73.2M84.0M96.6M55.7M
Interest Income696K1.3M1.5M1.9M1.7M2.2M
Net Interest Income(31.7M)(69.4M)(85.2M)(103.3M)(93.0M)(88.3M)

FirstCash Key Cash Accounts

202120222023202420252026 (projected)
Change To Inventory(27.0M)(3.1M)1.8M(9.7M)(11.2M)(10.6M)
Change In Cash54.2M(2.7M)9.7M48.1M55.3M58.1M
Free Cash Flow181.3M433.7M356.0M471.7M542.5M569.6M
Depreciation58.7M457.3M520.6M538.2M619.0M649.9M
Other Non Cash Items40.3M197.5M284.2M827.5M951.6M999.2M
Capital Expenditures42.0M35.6M60.1M68.2M78.5M82.4M
End Period Cash Flow120.0M117.3M127.0M175.1M201.4M211.4M
Net Income124.9M253.5M219.3M258.8M297.6M312.5M
Dividends Paid47.5M59.6M61.9M65.8M75.6M79.4M
Change To Netincome15.7M39.6M54.5M(54.5M)(62.7M)(59.5M)
Net Borrowings686M78.2M230.3M130M149.5M115.4M
Investments(744.6M)(121.2M)(506.9M)(441.6M)(397.4M)(377.6M)

FirstCash Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining FirstCash's current stock value. Our valuation model uses many indicators to compare FirstCash value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across FirstCash competition to find correlations between indicators driving FirstCash's intrinsic value. More Info.
FirstCash is rated below average in return on equity category among its peers. It is rated # 2 in return on asset category among its peers reporting about  0.47  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for FirstCash is roughly  2.13 . At this time, FirstCash's Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value FirstCash by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.
Most indicators from FirstCash's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into FirstCash current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in FirstCash. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in price.
For more information on how to buy FirstCash Stock please use our How to Invest in FirstCash guide.At this time, FirstCash's Selling General Administrative is comparatively stable compared to the past year. Sales General And Administrative To Revenue is likely to gain to 0.11 in 2026, whereas Tax Provision is likely to drop slightly above 55.7 M in 2026.
 2023 2024 2025 2026 (projected)
Gross Profit1.5B1.6B1.9B2.0B
Total Revenue3.2B3.4B3.9B4.1B

FirstCash fundamental ratios Correlations

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Click cells to compare fundamentals

FirstCash Account Relationship Matchups

FirstCash fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets3.8B3.9B4.3B4.5B5.1B5.4B
Other Current Liab185.4M84.2M173.9M212.4M244.2M256.4M
Net Debt1.5B1.6B1.8B1.9B2.2B2.3B
Retained Earnings866.7M1.1B1.2B1.4B1.6B1.7B
Cash120.0M117.3M127.0M175.1M201.4M211.4M
Net Receivables584.4M551.9M657.7M738.7M849.5M892.0M
Inventory263.3M288.3M312.1M334.6M384.8M404.0M
Total Liab2.0B2.0B2.3B2.4B2.8B2.9B
Total Current Assets1.1B1.1B1.3B1.4B1.6B1.7B
Short Term Debt90.6M92.9M102.0M95.2M109.4M114.9M
Other Current Assets161.7M173.1M209.8M155.4M178.7M187.6M
Intangible Assets388.2M330.3M277.7M228.9M263.2M276.3M
Accounts Payable23.1M27.4M26.5M31.1M35.8M37.6M
Other Assets23.2M312.9M14.1M16.8M19.3M31.9M
Long Term Debt1.3B1.4B1.6B1.7B2.0B2.1B
Treasury Stock(512.5M)(609.3M)(652.8M)(809.4M)(728.4M)(692.0M)
Good Will1.5B1.6B1.7B1.8B2.1B2.2B
Net Tangible Assets1.4B1.3B(108.3M)1.9B2.2B2.3B
Capital Surpluse1.2B1.2B1.7B1.7B2.0B1.0B
Today, most investors in FirstCash Stock are looking for potential investment opportunities by analyzing not only static indicators but also various FirstCash's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of FirstCash growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.64

At this time, FirstCash's Price Earnings To Growth Ratio is comparatively stable compared to the past year.

FirstCash January 16, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of FirstCash help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of FirstCash. We use our internally-developed statistical techniques to arrive at the intrinsic value of FirstCash based on widely used predictive technical indicators. In general, we focus on analyzing FirstCash Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build FirstCash's daily price indicators and compare them against related drivers.

Additional Tools for FirstCash Stock Analysis

When running FirstCash's price analysis, check to measure FirstCash's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy FirstCash is operating at the current time. Most of FirstCash's value examination focuses on studying past and present price action to predict the probability of FirstCash's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move FirstCash's price. Additionally, you may evaluate how the addition of FirstCash to your portfolios can decrease your overall portfolio volatility.