What does united states — consumer loans, net mean?

This metric reflects the net outstanding balance of unsecured or installment-based consumer credit products, adjusted for expected credit losses. It captures the company's exposure to consumer credit risk outside of traditional pawn lending. The net figure accounts for the allowance for loan losses, providing a realistic view of the collectible value of the loan portfolio.

FirstCash Holdings FCFS United States — Consumer loans, net

Discontinued — last reported Q4 '19

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WFCConsumer Banking and Lending — Financing Receivables and Net Investment in Lease, Excluding Accrued Interest, Before Allowance for Credit Loss, Average Amount Outstanding

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$228.31M-11.3%

WFCNet loans

$1T+11.5%

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

FCF margin14.5%+0.6pp

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

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 1, 2021, on SEC EDGAR. View the filing →

Questions, answered.

What does united states — consumer loans, net mean?: This metric reflects the net outstanding balance of unsecured or installment-based consumer credit products, adjusted for expected credit losses. It captures the company's exposure to consumer credit risk outside of traditional pawn lending. The net figure accounts for the allowance for loan losses, providing a realistic view of the collectible value of the loan portfolio.