What does corporate — consumer loans, net mean?

The net balance of short-term or installment consumer loans, excluding pawn-collateralized loans, after accounting for the allowance for loan losses. This metric tracks the performance of the company's unsecured or non-pawn lending products. It is a key indicator of the company's diversification into broader consumer credit markets.

FirstCash Holdings FCFS Corporate — Consumer loans, net

Discontinued — last reported Q4 '19

Similar metrics at other companies

KEYConsumer Bank — Loans and leases

$34.01B-7.6%

LNet loans

$10.99B+1.9%

CIn offices outside North America — Corporate loans, net of unearned income, excluding portfolio layer cumulative basis adjustments

$180.26B+9.9%

CIn North America offices — Corporate loans, net of unearned income, excluding portfolio layer cumulative basis adjustments

$178.95B+17.9%

TROWNet loans

$909.9M-2.6%

DENet loans

$7.57B+12.2%

Other financials

Income statement

See full

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

See full

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

See full

Operating cash flow$153.6M+21.3%

CapEx$13.7M-19.5%

Free cash flow$132.8M+12.6%

Valuation

See full

Market cap$9.95B+53.5%

Enterprise value$11.86B+39.9%

P/E28.1×+5.0×

P/S2.6×+0.7×

Profitability

See full

Gross margin72.6%-0.5pp

Net margin9.1%+0.9pp

FCF margin14.5%+0.6pp

Returns & leverage

See full

Return on equity16.3%+2.6pp

Debt / equity0.9×-0.1×

Current ratio4.8×+0.4×

Where this comes from

Reported directly by FirstCash Holdings in its filing.

Tagged under the XBRL concept fcfs:ConsumerLoansNet.

The official record: FirstCash Holdings’s 10-K, filed February 28, 2022, on SEC EDGAR. View the filing →

Questions, answered.

What does corporate — consumer loans, net mean?: The net balance of short-term or installment consumer loans, excluding pawn-collateralized loans, after accounting for the allowance for loan losses. This metric tracks the performance of the company's unsecured or non-pawn lending products. It is a key indicator of the company's diversification into broader consumer credit markets.