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Stocks · Consumer discretionary · Retail-Miscellaneous Retail

FirstCash Holdings, Inc.

FCFS Clue Score60
United States Fiscal year ends December CIK 0000840489
$213.70 +1.04% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $213.70 +147.65% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue669.1Net income60.1EPS, diluted1.72Fiscal year 2017Revenue1,051.1 +57.1%Net income143.9 +139.3%EPS, diluted3.00 +74.4%Fiscal year 2018Revenue1,091.6 +3.9%Net income153.2 +6.5%EPS, diluted3.41 +13.7%Fiscal year 2019Revenue1,175.6 +7.7%Net income164.6 +7.4%EPS, diluted3.81 +11.7%Fiscal year 2020Revenue1,075.5 −8.5%Net income106.6 −35.3%EPS, diluted2.56 −32.8%Fiscal year 2021Revenue1,134.2 +5.5%Net income124.9 +17.2%EPS, diluted3.04 +18.8%Fiscal year 2022Revenue1,261.1 +11.2%Net income253.5 +102.9%EPS, diluted5.36 +76.3%Fiscal year 2023Revenue1,381.3 +9.5%Net income219.3 −13.5%EPS, diluted4.80 −10.4%Fiscal year 2024Revenue1,507.1 +9.1%Net income258.8 +18.0%EPS, diluted5.73 +19.4%Fiscal year 2025Revenue1,668.4 +10.7%Net income330.4 +27.6%EPS, diluted7.42 +29.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 669.1 1,051.1 1,091.6 1,175.6 1,075.5 1,134.2 1,261.1 1,381.3 1,507.1 1,668.4
Growth +57.1% +3.9% +7.7% −8.5% +5.5% +11.2% +9.5% +9.1% +10.7%
Net income 60.1 143.9 153.2 164.6 106.6 124.9 253.5 219.3 258.8 330.4
Growth +139.3% +6.5% +7.4% −35.3% +17.2% +102.9% −13.5% +18.0% +27.6%
EPS, diluted 1.72 3.00 3.41 3.81 2.56 3.04 5.36 4.80 5.73 7.42
Growth +74.4% +13.7% +11.7% −32.8% +18.8% +76.3% −10.4% +19.4% +29.5%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Gross marginNet margin
Fiscal year 2016Gross margin90.4%Net margin9.0%Free cash flow margin11.4%Fiscal year 2017Gross margin90.1%Net margin13.7%Free cash flow margin18.5%Fiscal year 2018Gross margin88.6%Net margin14.0%Free cash flow margin19.0%Fiscal year 2019Gross margin86.6%Net margin14.0%Free cash flow margin15.9%Fiscal year 2020Gross margin84.7%Net margin9.9%Free cash flow margin17.2%Fiscal year 2021Gross margin81.0%Net margin11.0%Free cash flow margin16.0%Fiscal year 2022Gross margin100.3%Net margin20.1%Free cash flow margin34.4%Fiscal year 2023Gross margin109.1%Net margin15.9%Free cash flow margin25.8%Fiscal year 2024Gross margin108.1%Net margin17.2%Free cash flow margin31.3%Fiscal year 2025Gross margin110.3%Net margin19.8%Free cash flow margin31.8%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Gross margin 90.4% 90.1% 88.6% 86.6% 84.7% 81.0% 100.3% 109.1% 108.1% 110.3%
Net margin 9.0% 13.7% 14.0% 14.0% 9.9% 11.0% 20.1% 15.9% 17.2% 19.8%
Free cash flow margin 11.4% 18.5% 19.0% 15.9% 17.2% 16.0% 34.4% 25.8% 31.3% 31.8%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow96.9Capital expenditure−20.5Free cash flow76.4Buybacks0.0Dividends paid−19.8Fiscal year 2017Operating cash flow220.4Capital expenditure−26.0Free cash flow194.4 +154.4%Buybacks−91.7Dividends paid−36.8Fiscal year 2018Operating cash flow243.4Capital expenditure−35.7Free cash flow207.8 +6.9%Buybacks−273.7Dividends paid−40.9Fiscal year 2019Operating cash flow231.6Capital expenditure−44.3Free cash flow187.3 −9.9%Buybacks−116.1Dividends paid−44.0Fiscal year 2020Operating cash flow222.3Capital expenditure−37.5Free cash flow184.7 −1.4%Buybacks−107.0Dividends paid−44.8Fiscal year 2021Operating cash flow223.3Capital expenditure−42.0Free cash flow181.3 −1.9%Buybacks−49.6Dividends paid−47.5Fiscal year 2022Operating cash flow469.3Capital expenditure−35.6Free cash flow433.7 +139.3%Buybacks−157.9Dividends paid−59.6Fiscal year 2023Operating cash flow416.1Capital expenditure−60.1Free cash flow356.0 −17.9%Buybacks−114.4Dividends paid−61.9Fiscal year 2024Operating cash flow540.0Capital expenditure−68.2Free cash flow471.7 +32.5%Buybacks−85.0Dividends paid−65.8Fiscal year 2025Operating cash flow585.9Capital expenditure−54.9Free cash flow531.0 +12.6%Buybacks−115.8Dividends paid−70.9
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 96.9 220.4 243.4 231.6 222.3 223.3 469.3 416.1 540.0 585.9
Capital expenditure −20.5 −26.0 −35.7 −44.3 −37.5 −42.0 −35.6 −60.1 −68.2 −54.9
Free cash flow 76.4 194.4 207.8 187.3 184.7 181.3 433.7 356.0 471.7 531.0
Growth +154.4% +6.9% −9.9% −1.4% −1.9% +139.3% −17.9% +32.5% +12.6%
Buybacks 0.0 −91.7 −273.7 −116.1 −107.0 −49.6 −157.9 −114.4 −85.0 −115.8
Dividends paid −19.8 −36.8 −40.9 −44.0 −44.8 −47.5 −59.6 −61.9 −65.8 −70.9

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash90.0Total debt460.0Net cash (debt)−370.0Shareholders’ equity1,450.0Debt to equity0.32Fiscal year 2017Cash114.4Total debt402.2Net cash (debt)−287.8Shareholders’ equity1,475.3Debt to equity0.27Fiscal year 2018Cash71.8Total debt590.9Net cash (debt)−519.1Shareholders’ equity1,318.1Debt to equity0.45Fiscal year 2019Cash46.5Total debt631.6Net cash (debt)−585.0Shareholders’ equity1,350.0Debt to equity0.47Fiscal year 2020Cash65.9Total debt615.9Net cash (debt)−550.1Shareholders’ equity1,283.8Debt to equity0.48Fiscal year 2021Cash120.0Total debt1,292.9Net cash (debt)−1,172.9Shareholders’ equity1,808.1Debt to equity0.72Fiscal year 2022Cash117.3Total debt1,374.7Net cash (debt)−1,257.4Shareholders’ equity1,879.8Debt to equity0.73Fiscal year 2023Cash127.0Total debt1,605.6Net cash (debt)−1,478.6Shareholders’ equity1,996.4Debt to equity0.80Fiscal year 2024Cash175.1Total debt1,729.3Net cash (debt)−1,554.3Shareholders’ equity2,054.2Debt to equity0.84Fiscal year 2025Cash125.2Total debt2,208.4Net cash (debt)−2,083.2Shareholders’ equity2,276.8Debt to equity0.97
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 90.0 114.4 71.8 46.5 65.9 120.0 117.3 127.0 175.1 125.2
Total debt 460.0 402.2 590.9 631.6 615.9 1,292.9 1,374.7 1,605.6 1,729.3 2,208.4
Net cash (debt) −370.0 −287.8 −519.1 −585.0 −550.1 −1,172.9 −1,257.4 −1,478.6 −1,554.3 −2,083.2
Shareholders’ equity 1,450.0 1,475.3 1,318.1 1,350.0 1,283.8 1,808.1 1,879.8 1,996.4 2,054.2 2,276.8
Debt to equity 0.32 0.27 0.45 0.47 0.48 0.72 0.73 0.80 0.84 0.97

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
669.1 1,051.1 1,091.6 1,175.6 1,075.5 1,134.2 1,261.1 1,381.3 1,507.1 1,668.4
Growth +57.1% +3.9% +7.7% −8.5% +5.5% +11.2% +9.5% +9.1% +10.7%
483.6 832.3 814.1 846.1 720.1 779.8 1,464.4 1,644.6 1,759.0 1,820.4
604.8 947.5 966.8 1,018.3 911.1 919.2 1,264.6 1,507.2 1,629.5 1,840.6
Growth +56.7% +2.0% +5.3% −10.5% +0.9% +37.6% +19.2% +8.1% +13.0%
96.5 122.5 120.0 122.3 110.9 111.3 147.9 181.7 178.0 232.8
93.4 172.3 205.3 224.6 143.7 166.5 323.6 292.8 342.8 447.6
33.3 28.4 52.1 60.0 37.1 41.6 70.1 73.5 84.0 117.2
60.1 143.9 153.2 164.6 106.6 124.9 253.5 219.3 258.8 330.4
Growth +139.3% +6.5% +7.4% −35.3% +17.2% +102.9% −13.5% +18.0% +27.6%
Per share
1.72 3.01 3.42 3.83 2.57 3.05 5.37 4.82 5.76 7.46
1.72 3.00 3.41 3.81 2.56 3.04 5.36 4.80 5.73 7.42
Growth +74.4% +13.7% +11.7% −32.8% +18.8% +76.3% −10.4% +19.4% +29.5%
35.0 47.9 44.8 43.0 41.5 41.0 47.2 45.5 45.0 44.3
35.0 47.9 44.9 43.2 41.6 41.0 47.3 45.7 45.2 44.5
Growth +36.8% −6.3% −3.7% −3.7% −1.4% +15.4% −3.5% −1.1% −1.4%

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 9.2% a year over five years, and earnings per share grew 23.7% a year.
  • The diluted share count rose 7.0% in five years, which is dilution.
  • Gross margin is up 25.6 points on five years ago, at 110.3%.
  • Profitable in every one of the 10 years on file.