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FirstCash Holdings

FCFS

FirstCash Holdings, Inc. is a leading operator of pawn stores and retail point-of-sale (POS) payment solutions across the U.S., Latin America, and the U.K. The company provides secured non-recourse pawn loans and retail merchandise sales to unbanked and credit-constrained consumers, while also facilitating lease-to-own and installment financing through a network of merchant partners.

Market cap
$8.97B+55.2%
Revenue$4.1B+21.6%
Net income$388.1M+33.0%
EPS (diluted)$8.76+34.8%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$1.1B
EPS estimate$2.74

Financials

Q2 2026

Income statement

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Revenue$1.1B+29.4%
Gross profit$789.1M+31.4%
Net income$93.5M+56.3%
EPS (diluted)$2.12+58.2%

Balance sheet

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Cash & equivalents$172.3M+69.8%
Total debt$2.6B+13.4%
Total equity$2.3B+8.5%
Total assets$5.5B+21.5%

Cash flow

See full
Operating cash flow$176.8M+51.3%

Valuation & ratios

Valuation

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Market cap$8.97B+55.2%
Enterprise value$11.43B+48.6%
P/E23.1×+4.4×
P/S2.2×+0.6×

Profitability

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Gross margin72.9%+0.1pp
Net margin9.4%+0.8pp

Returns & leverage

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Return on equity17.4%+3.2pp
Debt / equity1.1×0.0×
Current ratio4.9×+0.7×

Competitors

Profile

FirstCash Holdings, Inc. is a leading operator of pawn stores and retail point-of-sale (POS) payment solutions across the U.S., Latin America, and the U.K. The company provides secured non-recourse pawn loans and retail merchandise sales to unbanked and credit-constrained consumers, while also facilitating lease-to-own and installment financing through a network of merchant partners.

Competitive position

The company is the largest public or private operator of large-format, full-service pawn stores in the U.S., Mexico, and the U.K.

GeographiesUnited States, Mexico, Guatemala, El Salvador, Colombia, United Kingdom
Customer segmentsB2C, B2B2C
Business modelAsset-backed lending, Retail, Lease-to-own, Fintech
SuppliersWholesalers, Manufacturers, Precious metals spot markets, Data providers for credit decisioning
CustomersRetail consumers, Automotive dealers, Furniture retailers, Elective medical providers, Jewelry retailers
Listed1991
Employees19.0K
CEORick L. Wessel
FilingsSEC EDGAR

Questions, answered.

What is FirstCash Holdings's market cap?
FirstCash Holdings (FCFS) has a market capitalization of $9.0B and trades on NASDAQ.
What is FirstCash Holdings's revenue and profitability?
FirstCash Holdings generated $4.1B in trailing twelve-month revenue with net income of $388.1M, representing a net margin of 9.4%. Gross margin stands at 72.9%. These figures are based on the Q2 2026 filing.
Who are FirstCash Holdings's competitors?
FirstCash Holdings's key competitors include EZCORP, Inc., Oportun Financial Corporation Common Stock, Oaktree Specialty Lending Corporation, and others. These companies compete in similar markets and product categories.
Who does FirstCash Holdings partner with?
FirstCash Holdings's notable partners include Utah state-chartered non-member bank.
What subsidiaries does FirstCash Holdings have?
FirstCash Holdings's subsidiaries include American First Finance, LLC, H&T.
Where is FirstCash Holdings headquartered?
FirstCash Holdings is headquartered in United States of America and employs approximately 19,000 people. It has been publicly traded since 1991.