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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.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $3.7B | $1000M | $330M | $531M | 14.5% | 8.0% | 27.6% |
| 2024 | $3.4B | $986M | $259M | $472M | 12.6% | 7.5% | 18.0% |
| 2023 | $3.2B | $907M | $219M | $356M | 11.0% | 15.5% | -13.5% |
| 2022 | $2.7B | $852M | $253M | $434M | 13.5% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 2,728.94 | 3,151.80 | 3,388.51 | 3,661.04 |
| Operating Revenue | - | 2,728.94 | 3,151.80 | 3,388.51 | 3,654.95 |
| Cost Of Revenue | - | 1,464.36 | 1,644.56 | 1,758.98 | 1,820.44 |
| Gross Profit | - | 1,264.59 | 1,507.24 | 1,629.53 | 1,840.61 |
| Operating Expense | - | 980.68 | 1,122.96 | 1,183.90 | 1,278.38 |
| Selling General And Administration | - | 147.94 | 181.65 | 177.98 | 232.84 |
| Total Expenses | - | 2,445.04 | 2,767.52 | 2,942.88 | 3,098.82 |
| Operating Income | - | 283.90 | 384.28 | 445.64 | 562.23 |
| EBITDA | - | 851.67 | 906.71 | 986.25 | 999.78 |
| Normalized EBITDA | - | 745.27 | 913.10 | 991.12 | 1,011.97 |
| EBIT | - | 394.34 | 386.09 | 448 | 568.86 |
| Interest Income | - | 1.31 | 1.47 | 1.94 | 2.94 |
| Interest Expense | - | 70.71 | 93.24 | 105.23 | 121.29 |
| Net Interest Income | - | -69.40 | -91.77 | -103.29 | -118.36 |
| Other Non Operating Income Expenses | - | 2.73 | 6.74 | 5.30 | 15.88 |
| Other Income Expense | - | 109.13 | 0.35 | 0.43 | 3.69 |
| Interest Income Non Operating | - | 1.31 | 1.47 | 1.94 | 2.94 |
| Interest Expense Non Operating | - | 70.71 | 93.24 | 105.23 | 121.29 |
| Net Non Operating Interest Income Expense | - | -69.40 | -91.77 | -103.29 | -118.36 |
| Pretax Income | - | 323.63 | 292.85 | 342.78 | 447.56 |
| Tax Provision | - | 70.14 | 73.55 | 83.96 | 117.19 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 23.09 | -1.60 | -1.19 | -3.19 |
| Net Income Continuous Operations | - | 253.50 | 219.30 | 258.82 | 330.38 |
| Net Income From Continuing And Discontinued Operation | - | 253.50 | 219.30 | 258.82 | 330.38 |
| Net Income From Continuing Operation Net Minority Interest | - | 253.50 | 219.30 | 258.82 | 330.38 |
| Net Income | - | 253.50 | 219.30 | 258.82 | 330.38 |
| Net Income Common Stockholders | - | 253.50 | 219.30 | 258.82 | 330.38 |
| Net Income Including Noncontrolling Interests | - | 253.50 | 219.30 | 258.82 | 330.38 |
| Normalized Income | - | 170.19 | 224.09 | 262.49 | 339.37 |
| Diluted NI Availto Com Stockholders | - | 253.50 | 219.30 | 258.82 | 330.38 |
| Basic Average Shares | - | 46.29 | 45.11 | 44.75 | 43.98 |
| Diluted Average Shares | - | 47.33 | 45.69 | 45.17 | 44.53 |
| Reconciled Depreciation | - | 457.33 | 520.62 | 538.25 | 430.93 |
| Reconciled Cost Of Revenue | - | 1,110.86 | 1,233.10 | 1,325.68 | 1,501.32 |
| Total Unusual Items | - | 106.40 | -6.39 | -4.87 | -12.19 |
| Total Unusual Items Excluding Goodwill | - | 106.40 | -6.39 | -4.87 | -12.19 |
| Special Income Charges | - | 105.81 | -7.92 | -2.23 | -14.37 |
| Impairment Of Capital Assets | 0.95 | - | - | - | - |
| Restructuring And Mergern Acquisition | - | -105.81 | 7.92 | 2.23 | 14.37 |
| Gain On Sale Of Security | - | 0.58 | 1.53 | -2.64 | 2.18 |
| Depreciation Amortization Depletion Income Statement | - | 103.83 | 109.16 | 104.94 | 111.81 |
| Depreciation And Amortization In Income Statement | - | 103.83 | 109.16 | 104.94 | 111.81 |
| General And Administrative Expense | - | 147.94 | 181.65 | 177.98 | 232.84 |
| Other Gand A | - | 147.94 | 181.65 | 177.98 | 232.84 |
| Other Operating Expenses | - | 728.91 | 832.15 | 900.98 | 933.73 |
| Earnings From Equity Interest | 17.87 | 109.55 | - | - | - |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| FirstCash Holdings, Inc.this co. | FCFS | $9.8B | 29.52↑ premium | 4.28 | 14.5% | 12.20 |
| TeraWulf Inc. | WULF | $13.0B | -19.62 | 92.41 | -470.9% | -30.81 |
| Riot Platforms, Inc. | RIOT | $10.4B | -15.66 | 3.63 | -23.2% | -37.69 |
| UMB Financial Corporation | UMBF | $9.8B | 13.92 | 1.32 | 9.5% | - |
| Old National Bancorp | ONB | $9.3B |
| - |
| - |
| - |
| - |
| - |
| - |
| 13.84 |
| 1.12 |
| 8.1% |
| - |
| Valley National Bancorp | VLY | $7.6B | 12.78 | 1.03 | 8.0% | - |
| Glacier Bancorp, Inc. | GBCI | $6.1B | 25.69 | 1.46 | 5.7% | - |
| United Bankshares, Inc. | UBSI | $6.0B | 12.97 | 1.10 | 8.5% | - |
| Flagstar Bank, National Association | FLG | $5.9B | -33.23 | 0.77 | -2.3% | - |
| Peer Median | - | 12.87 | 1.22 | 6.8% | -34.25 | |