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FirstCash Holdings FCFS Free cash flow margin

Free cash flow margin at other companies

Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
19.8%-0.4pp
Ladder Capital logo
Ladder CapitalLADR
95%
Capital One Financial logo
Capital One FinancialCOF
46.5%-0.1pp
First Citizens BancShares logo
First Citizens BancSharesFCNCA
23.5%+0.8pp
Sachem Capital Corp. logo
Sachem Capital Corp.SACH
27.2%-44.3pp
Ally Financial logo
Ally FinancialALLY
55.3%

Other financials

Income statement

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Revenue$1.1B+25.7%
Gross profit$773.6M+26.3%
Net income$107.7M+28.8%
EPS (diluted)$2.43+29.9%

Balance sheet

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Cash & equivalents$130.7M-10.5%
Total debt$2.0B+0.3%
Total equity$2.3B+11.6%
Total assets$5.4B+21.1%

Cash flow

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Operating cash flow$153.6M+21.3%
CapEx$13.7M-19.5%
Free cash flow$132.8M+12.6%

Valuation

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Market cap$9.95B+53.5%
Enterprise value$11.86B+39.9%
P/E28.1×+5.0×
P/S2.6×+0.7×

Profitability

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Gross margin72.6%-0.5pp
Net margin9.1%+0.9pp

Returns & leverage

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Return on equity16.3%+2.6pp
Debt / equity0.9×-0.1×
Current ratio4.8×+0.4×

Where this comes from

Calculated from FirstCash Holdings’s reported figures.

Based on trailing twelve months.

The official record: FirstCash Holdings’s 10-Q, filed April 24, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is FirstCash Holdings's free cash flow margin?
FirstCash Holdings (FCFS) reported free cash flow margin of 14.5% in Q4 2025.
How has FirstCash Holdings's free cash flow margin changed year-over-year?
FirstCash Holdings's free cash flow margin increased by 4.2% year-over-year, from 13.9% to 14.5%.
What is the long-term trend for FirstCash Holdings's free cash flow margin?
Over 5 years (2020 to 2025), FirstCash Holdings's free cash flow margin has grown at a 5.1% compound annual growth rate (CAGR), from 11.3% to 14.5%.
What does free cash flow margin mean?
How much real, spendable cash each sales dollar generates after reinvestment.
How do you interpret free cash flow margin?
A high and rising FCF margin is the hallmark of a cash-generative business. Persistent gaps between net margin and FCF margin warrant a look at working capital or capital intensity.
How does free cash flow margin compare across companies?
Strong cross-company quality signal; capital-light compounders post structurally higher FCF margins than asset-heavy peers.