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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+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:ProvisionForLoanLossesExpensed.

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 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
Net revenue533,669412,8161,076,051837,019

Item 1. Financial Statements (Unaudited)

FAQ

What is FirstCash Holdings's provision for credit losses?
FirstCash Holdings (FCFS) reported provision for credit losses of $39.93M in Q2 2026.
How has FirstCash Holdings's provision for credit losses changed year-over-year?
FirstCash Holdings's provision for credit losses decreased by 4.4% year-over-year, from $41.76M to $39.93M.
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?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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