FirstCash Holdings, Inc logo

FirstCash Holdings, Inc

FCFS

NASDAQFinancial ServicesFinancial - Credit Services

Previous close

$225.28

+$19.37 · +9.41%

Aug 21, 4:00 PM ET

FCFS company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

78

Undervalued

Momentum

50

Neutral

Sentiment

49

Mixed

Risk resilience

72

Moderate Risk

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Company profile

Company website

FirstCash Holdings, Inc., along with its affiliates, oversees a widespread network of retail pawn shops throughout the United States, Mexico, and other parts of Latin America. These establishments provide monetary loans against a diverse range of personal collateral, including jewelry, electronic devices, tools, home appliances, sporting goods, and musical instruments. They also sell merchandise obtained either from defaulted pawn agreements or through direct cash purchases from customers. Beyond its core pawn operations, the firm processes scrap jewelry and trades valuable commodities such as gold, silver, and diamonds on global markets. As of December 31, 2021, its extensive footprint included 1,081 outlets in the U.S. (including the District of Columbia), 1,656 in Mexico, 60 in Guatemala, 13 in El Salvador, and 15 in Colombia. The company was established in 1988 and maintains its principal executive offices in Fort Worth, Texas.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
Rick L. Wessel
Listed since
Jun 10, 1991
Employees
20,000

Market position

Day range

Current $225.28

52-week range

Current $225.28

Open
$206.79
Previous close
$205.91
Volume
625.52K
1.48× average
Average volume
422.72K
Average daily volume
Market cap
9.77B USD
Beta
0.53
Market reference 1
50-day average
$213.95
+5.29% above average
200-day average
$193.45
+16.45% above average

Financials

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends59%40%21%2%Gross margin, FY2021: 54.10%Gross margin, FY2022: 46.34%Gross margin, FY2023: 47.82%Gross margin, FY2024: 48.09%Gross margin, FY2025: 51.67%Operating margin, FY2021: 11.60%Operating margin, FY2022: 10.40%Operating margin, FY2023: 12.36%Operating margin, FY2024: 13.29%Operating margin, FY2025: 15.36%Net margin, FY2021: 7.35%Net margin, FY2022: 9.29%Net margin, FY2023: 6.96%Net margin, FY2024: 7.64%Net margin, FY2025: 9.02%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 54.10%. Gross margin FY2022 46.34%. Gross margin FY2023 47.82%. Gross margin FY2024 48.09%. Gross margin FY2025 51.67%. Operating margin FY2021 11.60%. Operating margin FY2022 10.40%. Operating margin FY2023 12.36%. Operating margin FY2024 13.29%. Operating margin FY2025 15.36%. Net margin FY2021 7.35%. Net margin FY2022 9.29%. Net margin FY2023 6.96%. Net margin FY2024 7.64%. Net margin FY2025 9.02%.

Income trends

Revenue

3.66B USD+8.04%

Operating income

562.23M USD+24.82%

Net income

330.38M USD+27.65%
Income trends across reported periods4.01B USD2.6B USD1.19B USD−228.7M USDRevenue, FY2021: 1.7B USDRevenue, FY2022: 2.73B USDRevenue, FY2023: 3.15B USDRevenue, FY2024: 3.39B USDRevenue, FY2025: 3.66B USDOperating income, FY2021: 197.16M USDOperating income, FY2022: 283.9M USDOperating income, FY2023: 389.61M USDOperating income, FY2024: 450.41M USDOperating income, FY2025: 562.23M USDNet income, FY2021: 124.91M USDNet income, FY2022: 253.5M USDNet income, FY2023: 219.3M USDNet income, FY2024: 258.82M USDNet income, FY2025: 330.38M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.7B USD. Revenue FY2022 2.73B USD. Revenue FY2023 3.15B USD. Revenue FY2024 3.39B USD. Revenue FY2025 3.66B USD. Operating income FY2021 197.16M USD. Operating income FY2022 283.9M USD. Operating income FY2023 389.61M USD. Operating income FY2024 450.41M USD. Operating income FY2025 562.23M USD. Net income FY2021 124.91M USD. Net income FY2022 253.5M USD. Net income FY2023 219.3M USD. Net income FY2024 258.82M USD. Net income FY2025 330.38M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue3.66B USD3.39B USD3.15B USD2.73B USD1.7B USD
Cost of goods sold1.77B USD1.76B USD1.64B USD1.46B USD779.81M USD
Gross profit1.89B USD1.63B USD1.51B USD1.26B USD919.15M USD
Selling, general, and administrative1.17B USD173.2M USD176.32M USD147.94M USD111.26M USD
Operating expenses1.33B USD1.18B USD1.12B USD980.68M USD722M USD
Interest income2.94M USD1.94M USD1.47M USD1.31M USD696K USD
Interest expense121.29M USD105.23M USD93.24M USD70.71M USD32.39M USD
Depreciation and amortization430.93M USD538.25M USD520.62M USD457.33M USD58.73M USD
Operating income562.23M USD450.41M USD389.61M USD283.9M USD197.16M USD
Net income330.38M USD258.82M USD219.3M USD253.5M USD124.91M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
100%
11 beats, 0 misses, 0 met estimates
Average EPS surprise
+7.99%
11 comparable reports
Latest EPS result
2.5
Estimate 2.39 · Beat by 4.60%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates2.872.431.991.55Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 2.12, estimate 2.02, surprise +4.95%, Beat. Q2 2025, reported Apr 24, 2025: actual 2.07, estimate 1.74, surprise +18.97%, Beat. Q3 2025, reported Jul 24, 2025: actual 1.79, estimate 1.66, surprise +7.83%, Beat. Q4 2025, reported Oct 30, 2025: actual 2.26, estimate 1.94, surprise +16.49%, Beat. Q1 2026, reported Feb 5, 2026: actual 2.64, estimate 2.54, surprise +3.94%, Beat. Q2 2026, reported Apr 23, 2026: actual 2.69, estimate 2.33, surprise +15.45%, Beat. Q3 2026, reported Jul 23, 2026: actual 2.5, estimate 2.39, surprise +4.60%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 2.76, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates1.12B1.01B892.19M777.27MQ1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 883.81M USD, estimate 899.77M USD, surprise -1.77%, Miss. Q2 2025, reported Apr 24, 2025: actual 836.42M USD, estimate 835.67M USD, surprise +0.09%, Beat. Q3 2025, reported Jul 24, 2025: actual 830.62M USD, estimate 820.42M USD, surprise +1.24%, Beat. Q4 2025, reported Oct 30, 2025: actual 935.58M USD, estimate 861.05M USD, surprise +8.66%, Beat. Q1 2026, reported Feb 5, 2026: actual 1.06B USD, estimate 1.02B USD, surprise +3.52%, Beat. Q2 2026, reported Apr 23, 2026: actual 1.05B USD, estimate 1B USD, surprise +4.84%, Beat. Q3 2026, reported Jul 23, 2026: actual 1.07B USD, estimate 1.03B USD, surprise +4.25%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 1.08B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

19 ratings
Strong buy00%
Buy1053%
Hold947%
Sell00%
Strong sell00%

FCFS news

Corporate actions

Corporate action history

Stock split

Effective Feb 22, 2006

2:1

Stock split

Effective Apr 6, 2004

3:2

FCFS peers

ETFs holding FCFS

Funds reporting this stock among their holdings, ordered by reported position size.

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