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Net loans at other companies

Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
$230.7M+4.7%

Other financials

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

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Operating cash flow$176.8M+51.3%
CapEx$13.7M-19.5%
Free cash flow$132.8M+12.6%

Valuation

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Market cap$9.02B+50.0%
Enterprise value$11.48B+39.4%
P/E23.2×+2.6×
P/S2.2×+0.4×

Profitability

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Gross margin72.9%+0.1pp
Net margin9.4%+0.8pp
FCF margin14.5%+0.6pp

Returns & leverage

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

Where this comes from

Reported directly by FirstCash Holdings in its filing.

Tagged under the XBRL concept us-gaap:AccountsReceivableNet.

The source filing: FirstCash Holdings’s 10-K, filed February 9, 2026.

Filed
Feb 9, 2026, 3:55 PM EST
Fiscal year
FY2025
Accession
0000840489-26-000032

| --- | --- | --- | | ASSETS | | | | Cash and cash equivalents | $125,197 | $175,095 | | Accounts receivable, net | 115,854 | 73,325 | | Pawn loans | 831,497 | 517,867 | | Finance receivables, net | 150,274 | 147,501 | | Inventories | 487,232 | 334,580 | | Leased merchandise, net | 114,283 | 128,437 | | Prepaid expenses and other current assets | 32,131 | 26,943 | | Total current assets | 1,856,468 | 1,403,748 |

Item 16. Form 10-K Summary

FAQ

What is FirstCash Holdings's net loans?
FirstCash Holdings (FCFS) reported net loans of $115.85M in Q4 2025.
How has FirstCash Holdings's net loans changed year-over-year?
FirstCash Holdings's net loans increased by 58.0% year-over-year, from $73.33M to $115.85M.
What is the long-term trend for FirstCash Holdings's net loans?
Over 5 years (2020 to 2025), FirstCash Holdings's net loans has grown at a 23.0% compound annual growth rate (CAGR), from $41.11M to $115.85M.
What does net loans mean?
This represents the total outstanding loan balance owed to the company by borrowers, adjusted for the estimated allowance for credit losses. It reflects the core lending activity and the quality of the loan portfolio. For a pawn operator, this is a key indicator of the scale of the lending business and the risk management effectiveness regarding loan defaults.

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