FirstCash Holdings, Inc. FCFS

Latest FY: 2025 Financial Services Credit Services
Market Price $228.63
Market Cap $10.02B
P/E Ratio 30.81
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑8.0% YoY
$3.66B
3-Yr CAGR: 42.7%
Net Income ↑27.6% YoY
$330.38M
Net Margin: 9.0%
Free Cash Flow ↑15.5% YoY
$524.02M
FCF Yield: 5.23%
EPS (Diluted) ↑29.5% YoY
$7.42
Basic: $7.46
Return on Equity Efficiency
14.5%
ROA: 6.2%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (FCFS)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $1,088.4M $604.8M $60.1M $1.72 $0.56 1.20% $96.9M $96.9M
FY 2017 $1,779.8M +63.5% $947.5M $143.9M +139.3% $3.00 +74.4% $0.77 1.14% $220.4M $220.4M +127.5%
FY 2018 $1,091.6M -38.7% $394.9M $153.2M +6.5% $3.41 +13.7% $0.91 1.26% $243.4M $243.4M +10.5%
FY 2019 $1,175.6M +7.7% $429.7M $164.6M +7.4% $3.81 +11.7% $1.02 1.27% $231.6M $231.6M -4.9%
FY 2020 $1,075.5M -8.5% $434.4M $106.6M -35.3% $2.56 -32.8% $1.08 1.54% $222.3M $222.3M -4.0%
FY 2021 $1,134.2M +5.5% $470.8M $124.9M +17.2% $3.04 +18.8% $1.17 1.56% $223.3M $223.3M +0.5%
FY 2022 $1,261.1M +11.2% $496.6M $253.5M +102.9% $5.36 +76.3% $1.26 1.45% $469.3M $386.4M +73.0%
FY 2023 $3,151.8M +149.9% $1,507.2M $219.3M -13.5% $4.80 -10.4% $1.36 1.25% $416.1M $345.7M -10.5%
FY 2024 $3,388.5M +7.5% $1,629.5M $258.8M +18.0% $5.73 +19.4% $1.46 1.41% $540.0M $453.9M +31.3%
FY 2025 $3,661.0M +8.0% $1,840.6M $330.4M +27.6% $7.42 +29.5% $1.60 1.00% $585.9M $524.0M +15.5%
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Valuation

Market Price $228.63
Market Cap $10.02B
Enterprise Value $12.11B
P/E Ratio 30.81
P/B Ratio 4.40
FCF Yield 5.23%
Dividend Yield 0.70%
Shares Outstanding 43,836,700
%

Profitability & Margins

Gross Margin 50.28%
Operating Margin 12.23%
Net Margin 9.02%
Return on Equity (ROE) 14.51%
Return on Assets (ROA) 6.23%
Asset Turnover 0.69x
Revenue 3-Yr CAGR 42.65%
🛡️

Financial Health & Liquidity

Current Ratio 4.55
Cash Ratio 0.31
Debt / Equity 0.970
Debt / Assets 0.417
Cash & Equivalents $125.20M
Total Debt $2.21B
Book Value / Share $51.94
💧

Cash Flow Efficiency

Operating Cash Flow $585.94M
Capital Expenditures (CapEx) $61.92M
Free Cash Flow $524.02M
OCF / Revenue 16.00%
FCF / Revenue 14.31%
FCF 3-Yr CAGR 10.69%
🏷️

Per Share Metrics

EPS (Diluted) $7.42
EPS (Basic) $7.46
Dividends / Share $1.60
Book Value / Share $51.94
EPS YoY Growth 29.49%
🏛️

Balance Sheet (FY 2025)

Total Assets $5.30B
Total Liabilities $3.02B
Stockholders' Equity $2.28B
Current Assets $1.86B
Current Liabilities $407.81M