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FirstCash Holdings FCFS Provision for Credit Losses

Provision for Credit 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+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 us-gaap:ProvisionForLoanLossesExpensed.

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 provision for credit losses?
FirstCash Holdings (FCFS) reported provision for credit losses of $42.84M in Q1 2026.
How has FirstCash Holdings's provision for credit losses changed year-over-year?
FirstCash Holdings's provision for credit losses increased by 17.8% year-over-year, from $36.36M to $42.84M.
What is the long-term trend for FirstCash Holdings's provision for credit losses?
Over 4 years (2021 to 2025), FirstCash Holdings's provision for credit losses has grown at a 35.0% compound annual growth rate (CAGR), from $48.95M to $162.71M.
What does provision for credit losses mean?
The amount of money set aside to cover anticipated loan defaults.
How do you interpret provision for credit losses?
An increase suggests higher perceived credit risk or growth in the loan portfolio, while a decrease suggests improved borrower repayment trends.
How does provision for credit losses compare across companies?
Standard for all lending institutions and companies with consumer credit exposure.