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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
FirstCash Inc operates retail pawn stores and short-term consumer financial services in the U.S. and Latin America, earning revenue from pawn loans, merchandise sales and cash services. Growth may be driven by store expansion, e-commerce and steady demand for nonbank credit, while scale and cash generation could appeal to investors.
Material risks include regulatory and political pressure on consumer-lending rules, currency volatility and macro sensitivity that can increase defaults and compress merchandise margins, along with competitive pressure from banks and fintech.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 447.56M | 342.78M | 292.85M | 323.63M | 166.50M |
| Net income | 330.38M | 258.81M | 219.30M | 253.50M | 124.91M |
| Selling general administrative | 232.84M | 173.20M | 176.31M | 147.94M | 111.26M |
| Selling and marketing expenses | 933.73M | - | 13.97M | - | - |
| Gross profit | 1891.51M | 1629.53M | 1507.24M | 1264.59M | 919.15M |
| Reconciled depreciation | 430.93M | 538.25M | 506.35M | 103.83M | 45.91M |
| Ebit | 568.86M | 448.00M | 386.09M | 397.50M | 215.72M |
| Ebitda | 999.78M | 986.25M | 906.71M | 501.33M | 261.63M |
| Depreciation and amortization | 430.93M | 538.25M | 520.62M | 103.83M | 45.91M |
| Operating income | 562.23M | 450.41M | 389.61M | 397.50M | 215.72M |
| Other operating expenses | 3098.82M | 2938.10M | 2762.18M | 2445.04M | 1501.81M |
| Interest expense | 121.29M | 105.23M | 93.24M | 70.71M | 32.39M |
| Tax provision | 117.19M | 83.96M | 73.19M | 70.14M | 41.59M |
| Interest income | 2.94M | 1.94M | 1.46M | 1.31M | 0.70M |
| Net interest income | -118.36M | -103.29M | -85.15M | -69.39M | -31.69M |
| Non recurring | - | - | - | 74.45M | 48.78M |
| Income tax expense | 117.19M | 83.96M | 73.55M | 70.14M | 41.59M |
| Total revenue | 3661.04M | 3388.51M | 3151.80M | 2728.94M | 1698.96M |
| Total operating expenses | 1329.28M | 1179.12M | 1117.62M | 980.68M | 722.00M |
| Cost of revenue | 1769.54M | 1758.98M | 1644.56M | 1464.36M | 779.81M |
| Total other income expense net | -114.67M | -107.64M | -96.77M | -73.86M | -49.22M |
| Net income from continuing ops | 330.38M | 258.81M | 229.78M | 253.50M | 124.91M |
| Net income applicable to common shares | - | - | - | 253.50M | 124.91M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 5300.76M | 4476.99M | 4289.91M | 3904.87M | 3834.23M |
| Intangible assets | 231.14M | 228.86M | 277.72M | 330.34M | 388.18M |
| Other current assets | 146.41M | 155.38M | 209.82M | 173.09M | 156.23M |
| Total liab | 3024.00M | 2422.82M | 2293.50M | 2025.10M | 2026.10M |
| Total stockholder equity | 2276.76M | 2054.16M | 1996.42M | 1879.77M | 1808.13M |
| Other current liab | 270.00M | 212.36M | 136.55M | 110.22M | 3.39M |
| Common stock | 0.57M | 0.57M | 0.57M | 0.57M | 0.57M |
| Capital stock | 0.57M | 0.57M | 0.57M | 0.57M | 0.57M |
| Retained earnings | 1670.58M | 1411.08M | 1218.03M | 1060.60M | 866.68M |
| Other liab | - | - | - | 151.76M | 139.24M |
| Good will | 2023.43M | 1787.17M | 1727.65M | 1581.38M | 1528.23M |
| Other assets | - | - | - | 16.80M | 14.14M |
| Cash | 125.20M | 175.09M | 127.02M | 117.33M | 120.05M |
| Total current liabilities | 407.81M | 339.40M | 335.59M | 295.53M | 390.79M |
| Current deferred revenue | - | - | 70.58M | 63.12M | 57.31M |
| Net debt | 2692.40M | 1874.91M | 1796.08M | 1553.43M | 1466.59M |
| Short term debt | 111.29M | 95.16M | 101.96M | 92.94M | 90.57M |
| Short long term debt total | 2817.59M | 2050.01M | 1923.09M | 1670.76M | 1586.64M |
| Other stockholder equity | 670.44M | 772.10M | 820.85M | 925.16M | 1072.17M |
| Property plant equipment | - | - | - | 538.68M | 768.59M |
| Total current assets | 1856.47M | 1403.75M | 1306.60M | 1130.66M | 1135.08M |
| Net tangible assets | - | - | - | 1879.77M | -108.29M |
| Net receivables | 1097.62M | 738.69M | 657.67M | 551.90M | 595.49M |
| Long term debt | 2208.43M | 1729.35M | 1605.65M | 1374.70M | 1292.90M |
| Inventory | 487.23M | 334.58M | 312.09M | 288.34M | 263.31M |
| Accounts payable | 26.52M | 31.14M | 26.50M | 139.46M | 239.52M |
| Accumulated other comprehensive income | -64.83M | -129.60M | -43.04M | -106.57M | -131.30M |
| Common stock total equity | - | - | - | 0.57M | 0.57M |
| Retained earnings total equity | - | - | - | 1060.60M | 866.68M |
| Treasury stock | - | - | - | -809.37M | -652.78M |
| Non currrent assets other | 9.80M | 9.93M | 10.24M | 9.41M | 8.53M |
| Non current assets total | 3444.30M | 3073.24M | 2983.31M | 2774.20M | 2699.15M |
| Capital lease obligations | 360.23M | 320.66M | 317.45M | 296.06M | 293.74M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | -441.59M | -506.88M | -121.17M | -744.64M |
| Change to liabilities | - | - | - | 17.76M | 26.18M |
| Total cashflows from investing activities | -828.04M | -441.59M | - | -336.44M | -744.64M |
| Net borrowings | 368.90M | 130.00M | - | 78.16M | 686.00M |
| Total cash from financing activities | 176.41M | -38.19M | 51.31M | -139.27M | 576.99M |
| Change to operating activities | - | - | - | -505.77M | -19.47M |
| Net income | 330.38M | 258.81M | 219.30M | 253.50M | 124.91M |
| Change in cash | -49.90M | 48.08M | 9.69M | -2.72M | 54.20M |
| Begin period cash flow | 175.09M | 127.02M | 117.33M | 120.05M | 65.85M |
| End period cash flow | 125.20M | 175.09M | 127.02M | 117.33M | 120.05M |
| Total cash from operating activities | 585.94M | 539.96M | 416.14M | 469.31M | 223.30M |
| Depreciation | 430.93M | 538.25M | 520.62M | 457.33M | 58.73M |
| Other cashflows from investing activities | -828.04M | -297.38M | - | -96.78M | -543.92M |
| Dividends paid | 70.88M | 65.76M | 61.88M | 59.57M | 47.53M |
| Change to inventory | -21.29M | -9.72M | 1.81M | -3.14M | -27.01M |
| Change to account receivables | -5.55M | -3.41M | -8.66M | -1.22M | -2.49M |
| Sale purchase of stock | -115.85M | -85.00M | -114.38M | -157.86M | -49.61M |
| Other cashflows from financing activities | -5.76M | -17.43M | -2.74M | 284.16M | -12.24M |
| Change to netincome | - | - | - | -54.49M | 54.48M |
| Capital expenditures | 116.83M | 68.25M | 60.15M | 35.59M | 42.02M |
| Change receivables | - | - | - | -1.22M | -2.49M |
| Cash flows other operating | - | - | - | 253.94M | 94.79M |
| Exchange rate changes | - | - | - | - | -1.46M |
| Cash and cash equivalents changes | - | - | - | -6.41M | 54.20M |
| Change in working capital | -434.14M | -538.95M | -608.53M | -492.38M | -16.48M |
| Stock based compensation | 20.25M | 14.79M | 13.67M | 10.85M | 5.15M |
| Other non cash items | 1020.09M | 827.51M | 284.18M | 197.52M | 40.27M |
| Free cash flow | 469.12M | 471.71M | 355.99M | 433.72M | 181.28M |
Sector: Financial Services Industry: Credit Services
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| FCFS FirstCash Inc |
4.67 2.52% |
190.02 | 27.60 | 19.61 | 2.51 | 4.02 | 3.17 | 11.60 |
| V Visa Inc. Class A |
-1.26 0.31% |
400.60 | 31.25 | 25.97 | 16.18 | 13.64 | 16.19 | 23.37 |
| MA Mastercard Inc |
0.46 0.08% |
610.31 | 31.59 | 24.88 | 14.31 | 89.68 | 14.71 | 23.34 |
| AXP American Express Company |
5.03 1.61% |
317.94 | 21.46 | 18.83 | 3.38 | 6.76 | 3.93 | - |
| COF Capital One Financial Corporation |
1.44 0.71% |
204.88 | 11.39 | 8.75 | 2.64 | 1.11 | 2.76 | - |
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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Rick L. Wessel | Vice Chairman & CEO | 1959 |
| Mr. Thomas Brent Stuart | Pres & COO | 1970 |
| Mr. R. Douglas Orr | Exec. VP, CFO, Treasurer & Sec. | 1961 |
| Mr. Raul R. Ramos | Sr. VP of Latin American Operations | 1966 |
| Mr. Gar Jackson | Investor Relations-Global IR Group | NA |
| Mr. Peter H. Watson | Sr. VP of Compliance & Gov. Relations | 1949 |
| Mr. Sean D. Moore | Sr. VP of Store Devel. & Facilities | 1977 |
| Mr. Howard F Hambleton | AFF Pres | 1973 |
| Mr. Thomas Brent Stuart | President & COO | 1970 |
| Mr. R. Douglas Orr | Executive VP, CFO, Treasurer & Secretary | 1961 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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