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FirstCash Holdings FCFS Q3 2025 earnings

Reported October 30, 2025 · Before market open

Revenue$935.6MBeat by $74.5M
EPS$2.26Beat by $0.32
Revenue estimate$861.0M
EPS estimate$1.94

Next report

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

Financials

Q3 2025

Income statement

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Revenue$935.6M+11.7%
Gross profit$686.9M+10.9%
Net income$82.8M+27.7%
EPS (diluted)$1.86+29.2%

Balance sheet

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Cash & equivalents$130.2M+22.5%
Total debt$2.6B+25.6%
Total equity$2.2B+10.0%
Total assets$5.2B+18.0%

Cash flow

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Operating cash flow$135.8M+20.1%
CapEx$13.7M-19.5%
Free cash flow$132.8M+12.6%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$7.03B+36.8%
Enterprise value$9.48B+33.8%
P/E22.7×+1.7×
P/S2×+0.5×

Profitability

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Gross margin72.7%-0.5pp
Net margin8.9%+1.6pp
FCF margin14.8%+1.6pp

Returns & leverage

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Return on equity14.8%+2.3pp
Debt / equity1.2×+0.1×
Current ratio5×+0.7×

Versus estimates

Revenue

Q2 2026$1.1BBeat by $43.8MQ1 2026$1.1BBeat by $48.5MQ4 2025$1.1BBeat by $36.0M
Q3 2025$935.6MBeat by $74.5M
Q2 2025$830.6MBeat by $10.2MQ1 2025$836.4MBeat by $757.7K

Diluted EPS

Q2 2026$2.50Beat by $0.11Q1 2026$2.69Beat by $0.36Q4 2025$2.64Beat by $0.10
Q3 2025$2.26Beat by $0.32
Q2 2025$1.79Beat by $0.13Q1 2025$2.07Beat by $0.33

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Questions, answered.

When did FirstCash Holdings report Q3 2025 earnings?
FirstCash Holdings (FCFS) reported Q3 2025 earnings on October 30, 2025 before market open.
What were FirstCash Holdings's Q3 2025 revenue and EPS?
FirstCash Holdings reported revenue of $935.6M and eps of $2.26 for Q3 2025.
Did FirstCash Holdings beat estimates in Q3 2025?
Revenue beat the consensus estimate of $861.0M by $74.5M. EPS beat the consensus estimate of $1.94 by $0.32.
How did FirstCash Holdings's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 11.7% from $837.3M a year earlier and eps grew 35.3% from $1.67.
Where can I find FirstCash Holdings's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0000840489-25-000120) directly on SEC EDGAR. The filing index links above go to sec.gov.