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FirstCash (FCFS) Financials

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$120.57 -0.73 (-0.60%)
As of 01:55 PM Eastern
Annual Income Statements for FirstCash

Annual Income Statements for FirstCash

This table shows FirstCash's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders
61 60 144 153 165 107 125 253 219 259
Consolidated Net Income / (Loss)
61 60 144 153 165 107 125 253 219 259
Net Income / (Loss) Continuing Operations
61 60 144 153 165 107 125 253 219 259
Total Pre-Tax Income
88 93 172 205 225 144 167 324 293 343
Total Revenue
705 1,088 1,758 1,754 1,831 1,603 1,667 2,730 3,153 3,390
Net Interest Income / (Expense)
0.00 0.00 -22 -27 -33 -28 -32 1.31 1.47 1.94
Total Interest Income
0.00 0.00 1.60 2.44 1.06 1.54 0.70 1.31 1.47 1.94
Investment Securities Interest Income
- - 1.60 2.44 1.06 1.54 0.70 1.31 1.47 1.94
Total Interest Expense
0.00 0.00 24 29 34 29 32 0.00 0.00 0.00
Total Non-Interest Income
705 1,088 1,780 1,781 1,864 1,631 1,699 2,729 3,152 3,389
Other Service Charges
223 357 588 581 585 460 485 743 892 983
Net Realized & Unrealized Capital Gains on Investments
449 669 1,051 1,092 1,176 1,076 1,134 1,261 1,381 1,507
Other Non-Interest Income
32 63 141 108 104 96 80 725 878 898
Provision for Credit Losses
- - 20 - 4.16 -0.49 49 119 123 144
Total Non-Interest Expense
617 995 1,566 1,549 1,603 1,450 1,451 2,291 2,739 2,904
Other Operating Expenses
373 588 935 917 964 832 829 1,211 1,380 1,460
Depreciation Expense
18 32 55 43 42 42 59 457 521 538
Restructuring Charge
2.88 37 9.06 7.64 1.77 1.32 -2.42 -106 7.92 2.23
Other Special Charges
215 340 566 582 595 575 565 728 831 904
Nonoperating Income / (Expense), net
- - - - - -11 -0.95 2.73 1.40 0.52
Income Tax Expense
27 33 28 52 60 37 42 70 74 84
Basic Earnings per Share
- $1.72 $3.01 $3.42 $3.83 $2.57 $3.05 $5.37 $4.82 $5.76
Weighted Average Basic Shares Outstanding
28.14M 35.00M 47.85M 44.78M 42.00M 41.04M 48.49M 46.29M 45.11M 44.76M
Diluted Earnings per Share
- $1.72 $3.00 $3.41 $3.81 $2.56 $3.04 $5.36 $4.80 $5.73
Weighted Average Diluted Shares Outstanding
28.14M 35.00M 47.85M 44.78M 42.00M 41.04M 48.49M 46.29M 45.11M 44.76M
Weighted Average Basic & Diluted Shares Outstanding
28.14M 35.00M 47.85M 44.78M 42.00M 41.04M 48.49M 46.29M 45.11M 44.76M
Cash Dividends to Common per Share
$0.00 $0.57 $0.77 $0.91 $1.02 $1.08 $1.17 $1.26 $1.36 $1.46

Quarterly Income Statements for FirstCash

This table shows FirstCash's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders
59 80 47 45 57 70 61 49 65 84
Consolidated Net Income / (Loss)
59 80 47 45 57 70 61 49 65 84
Net Income / (Loss) Continuing Operations
59 80 47 45 57 70 61 49 65 84
Total Pre-Tax Income
75 102 63 61 78 91 82 66 85 110
Total Revenue
654 800 742 730 787 894 812 806 838 935
Net Interest Income / (Expense)
-18 51 -20 -21 0.33 42 -25 -25 0.40 51
Total Interest Income
0.21 0.21 0.52 0.41 0.33 0.22 0.74 0.26 0.40 0.53
Investment Securities Interest Income
0.21 0.21 0.52 0.41 0.33 0.22 0.74 0.26 0.40 0.53
Total Interest Expense
18 -51 21 21 0.00 -42 25 25 0.00 -51
Total Non-Interest Income
672 749 763 751 786 852 836 831 837 884
Other Service Charges
195 196 206 212 236 238 237 238 248 260
Net Realized & Unrealized Capital Gains on Investments
301 359 328 321 335 397 367 363 363 414
Other Non-Interest Income
177 194 229 217 215 217 233 230 226 210
Provision for Credit Losses
32 35 29 28 33 32 30 31 41 42
Total Non-Interest Expense
547 667 650 641 676 772 701 708 712 784
Other Operating Expenses
267 382 323 307 331 419 333 340 356 432
Depreciation Expense
112 117 129 130 131 131 146 137 131 124
Restructuring Charge
-19 -25 0.03 0.25 3.39 4.25 0.60 1.36 0.23 0.04
Other Special Charges
186 189 198 204 211 217 221 230 226 227
Income Tax Expense
16 22 16 15 20 22 21 17 20 26
Basic Earnings per Share
$1.26 $1.71 $1.03 $0.99 $1.27 $1.53 $1.36 $1.09 $1.45 $1.86
Weighted Average Basic Shares Outstanding
46.32M 46.29M 45.47M 45.11M 45.11M 45.11M 45.47M 44.75M 44.75M 44.76M
Diluted Earnings per Share
$1.26 $1.71 $1.02 $0.99 $1.26 $1.53 $1.35 $1.08 $1.44 $1.86
Weighted Average Diluted Shares Outstanding
46.32M 46.29M 45.47M 45.11M 45.11M 45.11M 45.47M 44.75M 44.75M 44.76M
Weighted Average Basic & Diluted Shares Outstanding
46.32M 46.29M 45.47M 45.11M 45.11M 45.11M 45.47M 44.75M 44.75M 44.76M

Annual Cash Flow Statements for FirstCash

This table details how cash moves in and out of FirstCash's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Change in Cash & Equivalents
19 3.00 24 -43 -25 19 54 -2.72 9.69 48
Net Cash From Operating Activities
93 97 220 243 232 222 223 469 416 540
Net Cash From Continuing Operating Activities
93 97 220 243 232 222 223 469 416 540
Net Income / (Loss) Continuing Operations
61 60 144 153 165 107 125 253 219 259
Consolidated Net Income / (Loss)
61 60 144 153 165 107 125 253 219 259
Provision For Loan Losses
0.76 5.97 13 9.41 2.40 -0.84 54 258 299 307
Depreciation Expense
18 32 55 43 42 42 59 457 521 538
Amortization Expense
0.94 1.20 0.86 1.66 1.43 1.65 2.80 47 -15 -34
Non-Cash Adjustments to Reconcile Net Income
7.91 15 1.28 14 16 40 -1.05 -54 1.07 9.10
Changes in Operating Assets and Liabilities, net
4.48 -17 6.37 22 5.56 33 -16 -492 -609 -539
Net Cash From Investing Activities
-72 -26 1.40 -159 -137 -20 -745 -336 -462 -442
Net Cash From Continuing Investing Activities
-72 -26 1.40 -159 -137 -20 -745 -336 -462 -442
Purchase of Investment Securities
-68 -72 -39 -169 -150 -22 -739 -251 -347 -302
Sale and/or Maturity of Investments
0.00 62 - - 13 1.59 -5.84 -85 -115 -139
Net Cash From Financing Activities
9.13 -59 -198 -127 -121 -187 577 -139 51 -38
Net Cash From Continuing Financing Activities
9.13 -59 -198 -127 -121 -187 577 -139 51 -38
Issuance of Debt
120 400 506 416 257 854 1,110 286 646 945
Repayment of Debt
-85 -439 -575 -229 -218 -887 -435 -208 -416 -825
Repurchase of Common Equity
-40 0.00 -92 -274 -116 -107 -50 -158 -114 -85
Payment of Dividends
0.00 -20 -37 -41 -44 -45 -48 -60 -62 -66
Other Financing Activities, Net
14 0.00 0.31 0.40 0.40 -2.53 -1.28 0.00 -2.46 -7.01
Effect of Exchange Rate Changes
-11 -9.17 0.22 0.25 1.00 3.91 -1.46 3.70 4.57 -12
Cash Interest Paid
15 19 24 27 33 21 29 53 90 91
Cash Income Taxes Paid
22 22 30 30 49 34 25 30 102 85

Quarterly Cash Flow Statements for FirstCash

This table details how cash moves in and out of FirstCash's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents
-9.79 17 -17 3.80 -18 40 8.05 -21 -7.37 69
Net Cash From Operating Activities
99 144 111 95 111 99 123 106 113 198
Net Cash From Continuing Operating Activities
99 144 111 95 111 99 123 106 113 198
Net Income / (Loss) Continuing Operations
59 80 47 45 57 70 61 49 65 84
Consolidated Net Income / (Loss)
59 80 47 45 57 70 61 49 65 84
Provision For Loan Losses
64 65 78 81 73 67 73 79 80 75
Depreciation Expense
112 117 129 130 131 131 146 137 131 124
Amortization Expense
8.54 9.88 -2.65 -3.38 -4.29 -4.88 -6.04 -7.67 -9.34 -11
Non-Cash Adjustments to Reconcile Net Income
17 -27 -2.31 -1.39 2.17 2.60 2.14 0.86 1.65 4.46
Changes in Operating Assets and Liabilities, net
-162 -101 -139 -156 -148 -166 -155 -152 -155 -78
Net Cash From Investing Activities
-102 -98 -13 -112 -284 -53 -30 -158 -148 -106
Net Cash From Continuing Investing Activities
-102 -98 -13 -112 -284 -53 -30 -158 -148 -106
Purchase of Investment Securities
-47 -169 43 -48 -222 -119 23 -110 -52 -163
Sale and/or Maturity of Investments
-26 -36 -25 -33 -31 -27 -15 -22 -49 -53
Net Cash From Financing Activities
-5.59 -32 -116 18 157 -7.39 -85 34 32 -19
Net Cash From Continuing Financing Activities
-5.59 -32 -116 18 157 -7.39 -85 34 32 -19
Issuance of Debt
70 90 73 107 366 100 550 250 89 56
Repayment of Debt
-7.27 -89 -104 -39 -180 -93 -612 -115 -40 -58
Payment of Dividends
-16 -15 -15 -15 -15 -16 -16 -16 -17 -17
Effect of Exchange Rate Changes
-0.90 2.61 2.09 2.70 -2.15 1.92 0.09 -3.42 -4.51 -4.26

Annual Balance Sheets for FirstCash

This table presents FirstCash's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Total Assets
753 2,145 2,063 2,108 2,439 2,372 3,836 3,905 4,290 4,477
Cash and Due from Banks
87 90 114 72 47 66 120 117 127 175
Loans and Leases, Net of Allowance
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net
112 236 - 252 336 374 463 539 633 718
Goodwill
296 831 831 917 949 977 1,536 1,581 1,728 1,787
Intangible Assets
6.18 104 - 88 86 84 388 330 278 229
Other Assets
252 884 645 779 1,022 872 1,330 1,337 1,525 1,568
Total Liabilities & Shareholders' Equity
753 2,145 0.00 2,108 2,439 2,372 3,836 3,905 4,290 4,477
Total Liabilities
322 695 0.00 790 1,089 1,088 2,028 2,025 2,293 2,423
Non-Interest Bearing Deposits
14 34 - 35 40 35 57 63 71 73
Accrued Interest Payable
3.92 0.74 - 0.75 4.30 1.15 - 93 - 95
Other Short-Term Payables
28 109 - 97 72 82 244 139 163 172
Long-Term Debt
254 457 - 591 632 616 1,293 1,375 1,606 1,729
Other Long-Term Liabilities
21 95 - 66 255 266 343 355 352 354
Commitments & Contingencies
0.00 0.00 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests
431 1,450 0.00 1,318 1,350 1,284 1,808 1,880 1,996 2,054
Total Preferred & Common Equity
431 1,450 0.00 1,318 1,350 1,284 1,808 1,880 1,996 2,054
Total Common Equity
431 1,450 0.00 1,318 1,350 1,284 1,808 1,880 1,996 2,054
Common Stock
203 1,218 - 1,225 1,232 1,222 1,726 1,735 1,742 1,768
Retained Earnings
644 387 - 607 727 789 867 1,061 1,218 1,411
Treasury Stock
-337 -36 - -401 -512 -609 -653 -809 -920 -995
Accumulated Other Comprehensive Income / (Loss)
-78 -120 - -113 -97 -118 -131 -107 -43 -130

Quarterly Balance Sheets for FirstCash

This table presents FirstCash's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Total Assets
3,861 3,869 3,960 4,175 4,247 4,322 4,393
Cash and Due from Banks
101 101 105 87 135 114 106
Trading Account Securities
- 149 - - 158 - 138
Loans and Leases, Net of Allowance
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net
536 563 588 605 658 661 689
Goodwill
1,524 1,591 1,600 1,713 1,730 1,795 1,789
Intangible Assets
346 316 304 292 265 254 241
Other Assets
1,356 1,149 1,363 1,478 1,301 1,499 1,429
Total Liabilities & Shareholders' Equity
3,861 3,869 3,960 4,175 4,247 4,322 4,393
Total Liabilities
2,056 1,998 2,063 2,257 2,202 2,344 2,394
Non-Interest Bearing Deposits
63 69 70 72 75 76 78
Other Short-Term Payables
176 238 146 147 240 141 230
Long-Term Debt
1,373 1,344 1,413 1,597 1,544 1,680 1,731
Other Long-Term Liabilities
352 348 338 342 343 349 355
Total Equity & Noncontrolling Interests
1,805 1,871 1,897 1,918 2,045 1,978 1,999
Total Preferred & Common Equity
1,805 1,871 1,897 1,918 2,045 1,978 1,999
Total Common Equity
1,805 1,871 1,897 1,918 2,045 1,978 1,999
Common Stock
1,733 1,731 1,735 1,738 1,728 1,762 1,765
Retained Earnings
996 1,093 1,123 1,164 1,264 1,297 1,345
Treasury Stock
-796 -876 -911 -920 -910 -995 -995
Accumulated Other Comprehensive Income / (Loss)
-127 -77 -49 -65 -37 -84 -115

Annual Metrics and Ratios for FirstCash

This table displays calculated financial ratios and metrics derived from FirstCash's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Growth Metrics
- - - - - - - - - -
Revenue Growth
-1.16% 54.47% 61.50% -0.20% 4.41% -12.45% 3.98% 63.76% 15.49% 7.52%
EBITDA Growth
-21.27% 18.72% 80.55% 9.42% 7.21% -26.12% 15.67% 260.53% -3.48% 6.17%
EBIT Growth
-25.05% 6.58% 84.40% 19.15% 9.40% -31.35% 8.59% 91.64% -9.18% 17.43%
NOPAT Growth
-28.94% -0.96% 139.31% 6.47% 7.45% -30.52% 9.84% 100.09% -13.17% 18.41%
Net Income Growth
-28.72% -0.96% 139.31% 6.47% 7.45% -35.26% 17.20% 102.94% -13.49% 18.02%
EPS Growth
0.00% 0.00% 74.42% 13.67% 11.73% -32.81% 18.75% 76.32% -10.45% 19.38%
Operating Cash Flow Growth
-5.05% 4.43% 127.51% 10.47% -4.86% -4.03% 0.47% 110.16% -11.33% 29.75%
Free Cash Flow Firm Growth
-3.04% -3,695.44% 98.94% 2,583.61% -98.20% 3,403.36% -655.23% 117.49% -222.72% 177.36%
Invested Capital Growth
4.33% 178.22% 8.20% -7.46% 8.33% -3.85% 60.51% 1.97% 13.81% 2.15%
Revenue Q/Q Growth
-2.79% 33.09% -0.22% -0.21% 2.00% -6.52% 7.30% 12.73% 5.51% 4.11%
EBITDA Q/Q Growth
-8.02% 44.31% -0.54% -6.02% 1.98% -13.13% 5.73% 24.14% -1.45% 0.70%
EBIT Q/Q Growth
-9.37% 43.86% 0.54% -6.27% 2.18% -16.38% -2.37% 23.57% -3.72% 5.99%
NOPAT Q/Q Growth
-11.04% 40.34% 27.51% -11.37% 3.83% -10.65% -2.06% 23.94% -5.02% 5.54%
Net Income Q/Q Growth
-11.04% 40.34% 27.51% -11.37% 3.83% -16.74% -2.62% 25.00% -4.56% 5.70%
EPS Q/Q Growth
0.00% 0.00% 21.95% -9.07% 4.96% -15.23% -3.18% 23.22% -3.61% 6.11%
Operating Cash Flow Q/Q Growth
-0.77% 42.22% 7.37% -0.94% -0.62% -9.33% 22.19% 14.12% -9.64% 22.46%
Free Cash Flow Firm Q/Q Growth
-14.29% 8.50% -106.19% 88.28% -63.29% -39.77% -710.94% 119.97% -102.13% 38.96%
Invested Capital Q/Q Growth
1.14% -4.17% 8.42% -0.18% 0.59% 6.80% 50.35% -0.46% 2.50% 1.44%
Profitability Metrics
- - - - - - - - - -
EBITDA Margin
15.12% 11.62% 12.99% 14.25% 14.63% 12.35% 13.73% 30.24% 25.27% 24.95%
EBIT Margin
12.44% 8.59% 9.80% 11.70% 12.26% 9.62% 10.04% 11.75% 9.24% 10.09%
Profit (Net Income) Margin
8.62% 5.52% 8.19% 8.73% 8.99% 6.65% 7.49% 9.28% 6.95% 7.63%
Tax Burden Percent
69.24% 64.34% 83.51% 74.62% 73.29% 74.17% 75.02% 78.33% 74.89% 75.51%
Interest Burden Percent
100.00% 100.00% 100.00% 100.00% 100.00% 93.19% 99.43% 100.85% 100.48% 100.15%
Effective Tax Rate
30.76% 35.66% 16.49% 25.38% 26.71% 25.83% 24.98% 21.67% 25.11% 24.49%
Return on Invested Capital (ROIC)
9.05% 4.64% 7.25% 7.71% 8.28% 5.64% 4.85% 7.80% 6.27% 6.90%
ROIC Less NNEP Spread (ROIC-NNEP)
9.05% 4.64% 7.25% 7.71% 8.28% 4.54% 4.78% 7.95% 6.34% 6.93%
Return on Net Nonoperating Assets (RNNOA)
4.98% 1.75% 12.60% 15.53% 4.06% 2.45% 3.23% 5.95% 5.04% 5.88%
Return on Equity (ROE)
14.02% 6.39% 19.85% 23.25% 12.34% 8.09% 8.08% 13.75% 11.32% 12.78%
Cash Return on Invested Capital (CROIC)
4.81% -89.60% -0.62% 15.46% 0.28% 9.57% -41.61% 5.85% -6.65% 4.78%
Operating Return on Assets (OROA)
11.93% 6.45% 8.19% 9.85% 9.88% 6.41% 5.39% 8.29% 7.11% 7.81%
Return on Assets (ROA)
8.26% 4.15% 6.84% 7.35% 7.24% 4.43% 4.02% 6.55% 5.35% 5.90%
Return on Common Equity (ROCE)
14.02% 6.39% 19.85% 23.25% 12.34% 8.09% 8.08% 13.75% 11.32% 12.78%
Return on Equity Simple (ROE_SIMPLE)
14.07% 4.15% 0.00% 11.62% 12.19% 8.30% 6.91% 13.49% 10.98% 12.60%
Net Operating Profit after Tax (NOPAT)
61 60 144 153 165 114 126 251 218 258
NOPAT Margin
8.62% 5.52% 8.19% 8.73% 8.99% 7.13% 7.53% 9.21% 6.92% 7.62%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% 0.00% 0.00% 0.00% 1.10% 0.07% -0.16% -0.07% -0.02%
SG&A Expenses to Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue
87.56% 91.41% 89.07% 88.30% 87.51% 90.41% 87.02% 83.91% 86.86% 85.66%
Earnings before Interest and Taxes (EBIT)
88 93 172 205 225 154 167 321 291 342
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
107 127 228 250 268 198 229 826 797 846
Valuation Ratios
- - - - - - - - - -
Price to Book Value (P/BV)
2.32 1.51 0.00 2.31 2.45 2.17 1.61 2.09 2.42 2.26
Price to Tangible Book Value (P/TBV)
7.73 4.26 0.00 9.76 10.49 12.53 0.00 0.00 0.00 121.58
Price to Revenue (P/Rev)
1.42 2.02 1.74 1.74 1.81 1.74 1.75 1.44 1.53 1.37
Price to Earnings (P/E)
16.49 36.47 21.28 19.91 20.11 26.20 23.29 15.46 22.01 17.91
Dividend Yield
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.49% 1.27% 1.41%
Earnings Yield
6.06% 2.74% 4.70% 5.02% 4.97% 3.82% 4.29% 6.47% 4.54% 5.58%
Enterprise Value to Invested Capital (EV/IC)
1.70 1.34 1.43 1.87 1.93 1.73 1.31 1.59 1.73 1.64
Enterprise Value to Revenue (EV/Rev)
1.66 2.35 1.68 2.04 2.17 2.14 2.50 1.90 2.03 1.83
Enterprise Value to EBITDA (EV/EBITDA)
10.96 20.23 12.90 14.28 14.86 17.33 18.22 6.27 8.04 7.32
Enterprise Value to EBIT (EV/EBIT)
13.32 27.39 17.10 17.39 17.73 22.25 24.92 16.13 21.99 18.09
Enterprise Value to NOPAT (EV/NOPAT)
19.24 42.57 20.48 23.30 24.19 30.00 33.22 20.60 29.36 23.96
Enterprise Value to Operating Cash Flow (EV/OCF)
12.59 26.43 13.37 14.66 17.19 15.44 18.69 11.03 15.40 11.47
Enterprise Value to Free Cash Flow (EV/FCFF)
36.17 0.00 0.00 11.63 718.73 17.68 0.00 27.47 0.00 34.60
Leverage & Solvency
- - - - - - - - - -
Debt to Equity
0.59 0.31 0.00 0.45 0.53 0.55 0.77 0.73 0.86 0.84
Long-Term Debt to Equity
0.59 0.31 0.00 0.45 0.47 0.48 0.72 0.73 0.80 0.84
Financial Leverage
0.55 0.38 1.74 2.01 0.49 0.54 0.68 0.75 0.80 0.85
Leverage Ratio
1.70 1.54 2.90 3.16 1.70 1.83 2.01 2.10 2.11 2.16
Compound Leverage Factor
1.70 1.54 2.90 3.16 1.70 1.70 2.00 2.12 2.12 2.17
Debt to Total Capital
37.05% 23.95% 0.00% 30.95% 34.72% 35.43% 43.35% 42.24% 46.10% 45.71%
Short-Term Debt to Total Capital
0.00% 0.00% 0.00% 0.00% 4.18% 4.46% 2.84% 0.00% 2.75% 0.00%
Long-Term Debt to Total Capital
37.05% 23.95% 0.00% 30.95% 30.54% 30.98% 40.51% 42.24% 43.35% 45.71%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
62.95% 76.05% 0.00% 69.05% 65.28% 64.57% 56.65% 57.76% 53.90% 54.29%
Debt to EBITDA
2.38 3.61 0.00 2.36 2.68 3.56 6.04 1.67 2.14 2.04
Net Debt to EBITDA
1.57 2.90 0.00 2.08 2.51 3.23 5.52 1.52 1.98 1.84
Long-Term Debt to EBITDA
2.38 3.61 0.00 2.36 2.36 3.11 5.65 1.67 2.02 2.04
Debt to NOPAT
4.18 7.59 0.00 3.86 4.36 6.16 11.01 5.47 7.82 6.69
Net Debt to NOPAT
2.75 6.10 0.00 3.39 4.08 5.58 10.06 5.00 7.24 6.01
Long-Term Debt to NOPAT
4.18 7.59 0.00 3.86 3.84 5.39 10.29 5.47 7.36 6.69
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - - - -
Cash Flow Metrics
- - - - - - - - - -
Free Cash Flow to Firm (FCFF)
32 -1,161 -12 307 5.54 194 -1,078 188 -231 179
Operating Cash Flow to CapEx
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense
0.00 0.00 -0.51 10.52 0.16 6.61 -33.27 0.00 0.00 0.00
Operating Cash Flow to Interest Expense
0.00 0.00 9.17 8.34 6.80 7.57 6.90 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense
0.00 0.00 9.17 8.34 6.80 7.57 6.90 0.00 0.00 0.00
Efficiency Ratios
- - - - - - - - - -
Asset Turnover
0.96 0.75 0.84 0.84 0.81 0.67 0.54 0.71 0.77 0.77
Fixed Asset Turnover
6.23 6.25 0.00 0.00 6.23 4.52 3.99 5.45 5.38 5.02
Capital & Investment Metrics
- - - - - - - - - -
Invested Capital
685 1,907 2,063 1,909 2,068 1,988 3,192 3,254 3,704 3,784
Invested Capital Turnover
1.05 0.84 0.89 0.88 0.92 0.79 0.64 0.85 0.91 0.91
Increase / (Decrease) in Invested Capital
28 1,221 156 -154 159 -80 1,203 63 450 79
Enterprise Value (EV)
1,168 2,560 2,947 3,570 3,982 3,431 4,173 5,177 6,408 6,191
Market Capitalization
1,001 2,193 3,062 3,051 3,310 2,792 2,910 3,920 4,828 4,636
Book Value per Share
$15.51 $29.89 $0.00 $30.07 $31.63 $30.98 $44.72 $40.58 $44.26 $45.90
Tangible Book Value per Share
$4.66 $10.60 ($17.61) $7.13 $7.39 $5.38 ($2.87) ($0.69) ($0.20) $0.85
Total Capital
685 1,907 0.00 1,909 2,068 1,988 3,192 3,254 3,704 3,784
Total Debt
254 457 0.00 591 718 705 1,383 1,375 1,708 1,729
Total Long-Term Debt
254 457 0.00 591 632 616 1,293 1,375 1,606 1,729
Net Debt
167 367 -114 519 672 639 1,263 1,257 1,581 1,554
Capital Expenditures (CapEx)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)
0.00 0.00 0.00 0.00 0.00 7.79 0.71 -2.14 -1.05 -0.39
Net Nonoperating Obligations (NNO)
254 457 2,063 591 718 705 1,383 1,375 1,708 1,729
Total Depreciation and Amortization (D&A)
19 33 56 45 43 44 62 505 505 504
Earnings Adjustments
- - - - - - - - - -
Adjusted Basic Earnings per Share
$2.16 $1.72 $0.00 $3.42 $3.83 $2.57 $3.05 $5.37 $4.82 $5.76
Adjusted Weighted Average Basic Shares Outstanding
28.24M 48.29M 46.55M 43.57M 42.00M 41.04M 48.49M 46.29M 45.11M 44.76M
Adjusted Diluted Earnings per Share
$2.14 $1.72 $0.00 $3.41 $3.81 $2.56 $3.04 $5.36 $4.80 $5.73
Adjusted Weighted Average Diluted Shares Outstanding
28.24M 48.29M 46.55M 43.57M 42.00M 41.04M 48.49M 46.29M 45.11M 44.76M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
28.24M 48.29M 46.55M 43.57M 42.00M 41.04M 48.49M 46.29M 45.11M 44.76M
Normalized Net Operating Profit after Tax (NOPAT)
217 302 624 593 602 542 548 739 846 942
Normalized NOPAT Margin
30.78% 27.72% 35.52% 33.80% 32.86% 33.78% 32.86% 27.07% 26.84% 27.80%
Pre Tax Income Margin
12.44% 8.59% 9.80% 11.70% 12.26% 8.96% 9.99% 11.85% 9.29% 10.11%
Debt Service Ratios
- - - - - - - - - -
EBIT to Interest Expense
0.00 0.00 7.17 7.04 6.60 5.26 5.17 0.00 0.00 0.00
NOPAT to Interest Expense
0.00 0.00 5.99 5.25 4.84 3.90 3.88 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense
0.00 0.00 7.17 7.04 6.60 5.26 5.17 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense
0.00 0.00 5.99 5.25 4.84 3.90 3.88 0.00 0.00 0.00
Payout Ratios
- - - - - - - - - -
Dividend Payout Ratio
0.00% 32.94% 25.60% 26.67% 26.70% 41.99% 38.05% 23.50% 28.21% 25.41%
Augmented Payout Ratio
65.84% 32.94% 89.36% 205.29% 97.23% 142.36% 77.77% 85.77% 80.37% 58.25%

Quarterly Metrics and Ratios for FirstCash

This table displays calculated financial ratios and metrics derived from FirstCash's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics
- - - - - - - - - -
Revenue Growth
66.92% 62.65% 15.22% 15.57% 20.27% 11.75% 9.34% 10.43% 6.50% 4.54%
EBITDA Growth
249.16% 247.33% 9.44% -19.01% 3.97% -4.00% 16.66% 5.05% 1.13% 2.73%
EBIT Growth
69.20% 164.05% 69.99% -44.72% 2.73% -8.65% 27.40% 10.85% 9.73% 21.50%
NOPAT Growth
76.56% 172.60% 68.41% -47.46% -3.87% -13.09% 27.36% 10.11% 13.45% 20.06%
Net Income Growth
77.61% 172.60% 69.21% -47.53% -3.66% -13.09% 29.50% 8.62% 13.45% 20.06%
EPS Growth
53.66% 144.29% 75.86% -45.30% 0.00% -10.53% 32.35% 9.09% 14.29% 21.57%
Operating Cash Flow Growth
310.90% 67.93% -7.95% -10.83% 12.46% -30.94% 10.79% 11.69% 1.55% 99.94%
Free Cash Flow Firm Growth
-377.94% 101.47% 112.70% 86.96% 73.60% -2,308.77% -276.29% -110.60% 82.14% 101.07%
Invested Capital Growth
54.02% 1.97% -3.91% 5.84% 10.53% 13.81% 11.65% 10.29% 3.21% 2.15%
Revenue Q/Q Growth
3.56% 22.36% 1.75% -1.67% 7.76% 13.69% -1.70% -0.69% 3.92% 11.61%
EBITDA Q/Q Growth
-14.76% 14.66% -17.04% -1.31% 9.43% 5.87% 2.04% -11.14% 5.34% 7.55%
EBIT Q/Q Growth
-31.07% 30.41% -37.58% -4.13% 28.09% 15.95% -10.52% -16.58% 26.80% 28.39%
NOPAT Q/Q Growth
-30.96% 34.69% -40.81% -4.54% 26.32% 21.78% -13.27% -17.46% 30.14% 28.88%
Net Income Q/Q Growth
-31.11% 34.98% -40.81% -4.66% 26.48% 21.78% -11.81% -20.03% 32.10% 28.88%
EPS Q/Q Growth
-30.39% 35.71% -40.35% -2.94% 27.27% 21.43% -11.76% -20.00% 33.33% 29.17%
Operating Cash Flow Q/Q Growth
-7.12% 44.91% -22.93% -14.03% 17.14% -11.01% 23.64% -13.34% 6.50% 75.21%
Free Cash Flow Firm Q/Q Growth
0.74% 101.58% 935.76% -180.14% -101.04% -32.36% -12.99% 4.27% 82.95% 107.93%
Invested Capital Q/Q Growth
1.61% -0.46% -1.21% 5.93% 6.11% 2.50% -0.35% 4.64% -0.70% 1.44%
Profitability Metrics
- - - - - - - - - -
EBITDA Margin
30.06% 28.17% 25.50% 25.59% 25.98% 24.20% 27.20% 24.34% 24.67% 23.78%
EBIT Margin
11.55% 12.31% 8.52% 8.30% 9.87% 10.06% 9.92% 8.33% 10.17% 11.70%
Profit (Net Income) Margin
9.07% 10.00% 6.38% 6.19% 7.26% 7.78% 7.56% 6.09% 7.74% 8.94%
Tax Burden Percent
78.67% 78.80% 74.97% 74.65% 73.62% 76.06% 74.94% 74.15% 76.11% 76.28%
Interest Burden Percent
99.78% 103.12% 100.00% 99.87% 100.00% 101.65% 101.68% 98.51% 100.00% 100.16%
Effective Tax Rate
21.33% 21.20% 25.03% 25.35% 26.38% 23.94% 25.06% 25.85% 23.89% 23.72%
Return on Invested Capital (ROIC)
8.16% 8.47% 5.37% 5.34% 6.31% 7.05% 6.84% 5.53% 6.86% 8.09%
ROIC Less NNEP Spread (ROIC-NNEP)
8.15% 8.47% 5.37% 5.34% 6.31% 7.05% 6.91% 5.49% 6.86% 8.09%
Return on Net Nonoperating Assets (RNNOA)
6.03% 6.34% 4.32% 4.18% 5.36% 5.61% 5.10% 4.65% 6.00% 6.87%
Return on Equity (ROE)
14.20% 14.81% 9.69% 9.53% 11.66% 12.66% 11.94% 10.19% 12.87% 14.96%
Cash Return on Invested Capital (CROIC)
-35.01% 5.85% 12.31% 1.33% -3.33% -6.65% -4.15% -3.17% 3.51% 4.78%
Operating Return on Assets (OROA)
8.75% 8.68% 6.17% 6.11% 7.34% 7.75% 7.65% 6.45% 7.73% 9.05%
Return on Assets (ROA)
6.87% 7.06% 4.62% 4.56% 5.40% 5.99% 5.83% 4.71% 5.88% 6.91%
Return on Common Equity (ROCE)
14.20% 14.81% 9.69% 9.53% 11.66% 12.66% 11.94% 10.19% 12.87% 14.96%
Return on Equity Simple (ROE_SIMPLE)
11.23% 0.00% 14.59% 12.23% 11.98% 0.00% 11.41% 11.99% 12.25% 0.00%
Net Operating Profit after Tax (NOPAT)
59 80 47 45 57 70 60 50 65 84
NOPAT Margin
9.09% 10.00% 6.38% 6.20% 7.26% 7.78% 7.44% 6.18% 7.74% 8.94%
Net Nonoperating Expense Percent (NNEP)
0.01% 0.00% 0.00% 0.00% 0.00% 0.00% -0.07% 0.05% 0.00% 0.00%
SG&A Expenses to Revenue
0.00% 0.00% 0.01% 0.00% -0.05% 0.00% 0.00% 0.00% -0.06% 0.00%
Operating Expenses to Revenue
83.56% 83.31% 87.54% 87.84% 85.92% 86.31% 86.33% 87.81% 84.99% 83.84%
Earnings before Interest and Taxes (EBIT)
76 99 63 61 78 90 81 67 85 109
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
197 225 189 187 204 216 221 196 207 222
Valuation Ratios
- - - - - - - - - -
Price to Book Value (P/BV)
1.86 2.09 2.31 2.20 2.33 2.42 2.80 2.40 2.57 2.26
Price to Tangible Book Value (P/TBV)
0.00 0.00 0.00 0.00 0.00 0.00 114.71 0.00 0.00 121.58
Price to Revenue (P/Rev)
1.39 1.44 1.57 1.46 1.50 1.53 1.83 1.48 1.58 1.37
Price to Earnings (P/E)
16.57 15.46 15.87 18.00 19.46 22.01 24.51 20.04 20.98 17.91
Dividend Yield
1.30% 1.49% 1.38% 1.44% 1.35% 1.27% 1.09% 1.34% 1.25% 1.41%
Earnings Yield
6.04% 6.47% 6.30% 5.55% 5.14% 4.54% 4.08% 4.99% 4.77% 5.58%
Enterprise Value to Invested Capital (EV/IC)
1.44 1.59 1.73 1.64 1.68 1.73 1.99 1.71 1.81 1.64
Enterprise Value to Revenue (EV/Rev)
1.95 1.90 2.02 1.95 2.04 2.03 2.28 2.00 2.08 1.83
Enterprise Value to EBITDA (EV/EBITDA)
7.10 6.27 6.60 6.97 7.52 8.04 8.60 7.66 8.05 7.32
Enterprise Value to EBIT (EV/EBIT)
18.19 16.13 15.94 18.56 20.09 21.99 23.08 20.35 20.94 18.09
Enterprise Value to NOPAT (EV/NOPAT)
23.29 20.60 20.43 24.06 26.47 29.36 30.55 27.06 27.62 23.96
Enterprise Value to Operating Cash Flow (EV/OCF)
11.49 11.03 12.12 12.45 13.21 15.40 16.65 14.61 15.34 11.47
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 27.47 13.81 127.06 0.00 0.00 0.00 0.00 52.51 34.60
Leverage & Solvency
- - - - - - - - - -
Debt to Equity
0.81 0.73 0.72 0.80 0.88 0.86 0.75 0.90 0.87 0.84
Long-Term Debt to Equity
0.76 0.73 0.72 0.74 0.83 0.80 0.75 0.85 0.87 0.84
Financial Leverage
0.74 0.75 0.80 0.78 0.85 0.80 0.74 0.85 0.87 0.85
Leverage Ratio
2.06 2.10 2.09 2.09 2.16 2.11 2.07 2.14 2.19 2.16
Compound Leverage Factor
2.06 2.16 2.09 2.09 2.16 2.15 2.11 2.11 2.19 2.17
Debt to Total Capital
44.79% 42.24% 41.81% 44.31% 46.94% 46.10% 43.02% 47.33% 46.40% 45.71%
Short-Term Debt to Total Capital
2.79% 0.00% 0.00% 2.83% 2.73% 2.75% 0.00% 2.60% 0.00% 0.00%
Long-Term Debt to Total Capital
42.00% 42.24% 41.81% 41.48% 44.20% 43.35% 43.02% 44.72% 46.40% 45.71%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
55.21% 57.76% 58.19% 55.69% 53.06% 53.90% 56.98% 52.67% 53.60% 54.29%
Debt to EBITDA
2.20 1.67 1.59 1.88 2.10 2.14 1.86 2.12 2.06 2.04
Net Debt to EBITDA
2.05 1.52 1.47 1.75 1.99 1.98 1.70 1.99 1.93 1.84
Long-Term Debt to EBITDA
2.06 1.67 1.59 1.76 1.98 2.02 1.86 2.01 2.06 2.04
Debt to NOPAT
7.22 5.47 4.93 6.51 7.38 7.82 6.62 7.50 7.07 6.69
Net Debt to NOPAT
6.72 5.00 4.56 6.05 7.00 7.24 6.04 7.02 6.63 6.01
Long-Term Debt to NOPAT
6.77 5.47 4.93 6.09 6.95 7.36 6.62 7.08 7.07 6.69
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - - - -
Cash Flow Metrics
- - - - - - - - - -
Free Cash Flow to Firm (FCFF)
-1,087 17 178 -143 -287 -380 -314 -301 -51 4.06
Operating Cash Flow to CapEx
995.89% 0.00% 799.78% 654.79% 606.08% 0.00% 463.66% 653.98% 845.98% 0.00%
Free Cash Flow to Firm to Interest Expense
-59.47 0.00 8.53 -6.78 0.00 0.00 -12.36 -11.94 0.00 0.00
Operating Cash Flow to Interest Expense
5.42 0.00 5.29 4.51 0.00 0.00 4.82 4.22 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense
4.87 0.00 4.63 3.82 0.00 0.00 3.78 3.57 0.00 0.00
Efficiency Ratios
- - - - - - - - - -
Asset Turnover
0.76 0.71 0.72 0.74 0.74 0.77 0.77 0.77 0.76 0.77
Fixed Asset Turnover
5.12 5.45 5.33 5.16 5.24 5.38 5.12 5.13 5.03 5.02
Capital & Investment Metrics
- - - - - - - - - -
Invested Capital
3,269 3,254 3,215 3,406 3,614 3,704 3,590 3,756 3,730 3,784
Invested Capital Turnover
0.90 0.85 0.84 0.86 0.87 0.91 0.92 0.90 0.89 0.91
Increase / (Decrease) in Invested Capital
1,147 63 -131 188 344 450 374 351 116 79
Enterprise Value (EV)
4,724 5,177 5,574 5,580 6,082 6,408 7,127 6,418 6,762 6,191
Market Capitalization
3,360 3,920 4,331 4,176 4,472 4,828 5,718 4,754 5,138 4,636
Book Value per Share
$38.38 $40.58 $40.41 $41.71 $42.51 $44.26 $44.98 $43.51 $44.67 $45.90
Tangible Book Value per Share
($1.36) ($0.69) ($0.79) ($0.15) ($1.94) ($0.20) $1.10 ($1.55) ($0.69) $0.85
Total Capital
3,269 3,254 3,215 3,406 3,614 3,704 3,590 3,756 3,730 3,784
Total Debt
1,464 1,375 1,344 1,509 1,696 1,708 1,544 1,778 1,731 1,729
Total Long-Term Debt
1,373 1,375 1,344 1,413 1,597 1,606 1,544 1,680 1,731 1,729
Net Debt
1,364 1,257 1,243 1,404 1,610 1,581 1,409 1,664 1,624 1,554
Capital Expenditures (CapEx)
9.94 0.00 14 15 18 0.00 26 16 13 0.00
Net Nonoperating Expense (NNE)
0.13 0.00 0.00 0.06 0.00 0.00 -1.01 0.74 0.00 0.00
Net Nonoperating Obligations (NNO)
1,464 1,375 1,344 1,509 1,696 1,708 1,544 1,778 1,731 1,729
Total Depreciation and Amortization (D&A)
121 127 126 126 127 126 140 129 122 113
Earnings Adjustments
- - - - - - - - - -
Adjusted Basic Earnings per Share
$1.26 $1.71 $1.03 $0.99 $1.27 $1.53 $1.36 $1.09 $1.45 $1.86
Adjusted Weighted Average Basic Shares Outstanding
46.32M 46.29M 45.47M 45.11M 45.11M 45.11M 45.47M 44.75M 44.75M 44.76M
Adjusted Diluted Earnings per Share
$1.26 $1.71 $1.02 $0.99 $1.26 $1.53 $1.35 $1.08 $1.44 $1.86
Adjusted Weighted Average Diluted Shares Outstanding
46.32M 46.29M 45.47M 45.11M 45.11M 45.11M 45.47M 44.75M 44.75M 44.76M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
46.32M 46.29M 45.47M 45.11M 45.11M 45.11M 45.47M 44.75M 44.75M 44.76M
Normalized Net Operating Profit after Tax (NOPAT)
191 210 196 198 215 238 226 221 237 257
Normalized NOPAT Margin
29.14% 26.19% 26.41% 27.08% 27.35% 26.61% 27.89% 27.45% 28.27% 27.46%
Pre Tax Income Margin
11.53% 12.70% 8.52% 8.29% 9.87% 10.23% 10.09% 8.21% 10.17% 11.72%
Debt Service Ratios
- - - - - - - - - -
EBIT to Interest Expense
4.13 0.00 3.03 2.88 0.00 0.00 3.17 2.67 0.00 0.00
NOPAT to Interest Expense
3.25 0.00 2.27 2.15 0.00 0.00 2.37 1.98 0.00 0.00
EBIT Less CapEx to Interest Expense
3.59 0.00 2.36 2.19 0.00 0.00 2.13 2.02 0.00 0.00
NOPAT Less CapEx to Interest Expense
2.71 0.00 1.61 1.46 0.00 0.00 1.33 1.33 0.00 0.00
Payout Ratios
- - - - - - - - - -
Dividend Payout Ratio
27.89% 23.50% 22.10% 26.46% 26.64% 28.21% 26.75% 26.58% 26.36% 25.41%
Augmented Payout Ratio
97.12% 85.77% 78.13% 100.61% 84.52% 80.37% 46.97% 67.70% 60.61% 58.25%

Frequently Asked Questions About FirstCash's Financials

When does FirstCash's financial year end?

According to the most recent income statement we have on file, FirstCash's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has FirstCash's net income changed over the last 9 years?

FirstCash's net income appears to be on an upward trend, with a most recent value of $258.82 million in 2024, rising from $60.71 million in 2015. The previous period was $219.30 million in 2023.

How has FirstCash revenue changed over the last 9 years?

Over the last 9 years, FirstCash's total revenue changed from $704.60 million in 2015 to $3.39 billion in 2024, a change of 381.2%.

How much debt does FirstCash have?

FirstCash's total liabilities were at $2.42 billion at the end of 2024, a 5.6% increase from 2023, and a 653.6% increase since 2015.

How much cash does FirstCash have?

In the past 9 years, FirstCash's cash and equivalents has ranged from $46.53 million in 2019 to $175.10 million in 2024, and is currently $175.10 million as of their latest financial filing in 2024.

How has FirstCash's book value per share changed over the last 9 years?

Over the last 9 years, FirstCash's book value per share changed from 15.51 in 2015 to 45.90 in 2024, a change of 195.9%.

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This page (NASDAQ:FCFS) was last updated on 4/15/2025 by MarketBeat.com Staff
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