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FirstCash Holdings FCFS Provision for lease losses

Provision for lease losses at other companies

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Segments

By geography

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Latin America$0

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:NetInvestmentInLeaseCreditLossExpenseReversal.

The source filing: FirstCash Holdings’s 10-Q, filed July 27, 2026.

Filed
Jul 27, 2026, 2:06 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000840489-26-000085
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Cost of revenue:
Cost of retail merchandise sold285,619230,326563,668454,450
Depreciation of leased merchandise71,65078,272152,709167,091
Provision for lease losses24,43932,54354,18360,105
Provision for loan losses39,93041,76182,77478,121
Cost of wholesale scrap jewelry sold119,06934,904195,79670,259
Other cost of revenue3121,158
Total cost of revenue541,019417,8061,050,288830,026

Item 1. Financial Statements (Unaudited)

FAQ

What is FirstCash Holdings's provision for lease losses?
FirstCash Holdings (FCFS) reported provision for lease losses of $24.44M in Q2 2026.
How has FirstCash Holdings's provision for lease losses changed year-over-year?
FirstCash Holdings's provision for lease losses decreased by 24.9% year-over-year, from $32.54M to $24.44M.
What is the long-term trend for FirstCash Holdings's provision for lease losses?
Over 4 years (2021 to 2025), FirstCash Holdings's provision for lease losses has grown at a 116.9% compound annual growth rate (CAGR), from $5.44M to $120.36M.
What does provision for lease losses mean?
The periodic adjustment to the allowance for losses on lease receivables, representing the estimated portion of lease payments that will not be collected. This reflects the credit risk inherent in the company's retail POS financing portfolio.

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