FirstCash Holdings, Inc

FCFS

$223.92

+1.74%

N/A+$3.82

Financial Services

Financial - Credit Services

NASDAQ

Active Trading

FirstCash Holdings, Inc., along with its affiliates, oversees a widespread network of retail pawn shops throughout the United States, Mexico, and other ...

Key Metrics of FCFS

Snapshot

Latest / TTM · 6 periods

Market Cap

$9.71B

ROCE

13.1%

EV / EBITDA

10.41x

+1.6% YoY

FCF Yield

6.1%

-1.3% YoY

Cash Conversion Cycle

153.1d

Current Ratio

4.89

Quick take

TTM —

Positive CCC

Key Metrics

Latest / TTM · 6 periods

Valuation trend

Valuation trend table

Metric	2021	2022	2023	2024	2025	TTM
Market CapTotal market value of all shares outstanding.	$3.07B	$4.10B	$4.89B	$4.66B	$7.10B	$9.71B
Enterprise ValueCompany value including debt and cash adjustments.	$4.53B	$5.66B	$6.69B	$6.53B	$9.79B	$12.24B
EV / SalesHow many dollars investors pay per dollar of sales.	2.67x	2.07x	2.12x	1.93x	2.67x	2.97x
EV / EBITDAValuation multiple versus operating earnings before non-cash charges.	17.59x	6.64x	7.37x	6.62x	9.79x	10.41x
Net Debt / EBITDALeverage ratio using net debt divided by EBITDA.	5.69	1.82	1.98	1.90	2.69	2.15

Returns + ROCE gauge

ROCE latest

13.1%

Prev year 11.5%

Returns + ROCE gauge table

Metric	2021	2022	2023	2024	2025	TTM
ROEProfit generated from shareholders' equity.	6.9%	13.5%	11.0%	12.6%	14.5%	17.1%
ROAProfit generated from total assets.	3.3%	6.5%	5.1%	5.8%	6.2%	7.1%
ROICReturn generated on invested operating capital.	4.3%	8.6%	7.3%	8.2%	8.6%	9.7%
ROCEOperating return on long-term capital used.	5.7%	7.9%	9.9%	10.9%	11.5%	13.1%
Earnings YieldEarnings as a percentage of market value.	4.1%	6.2%	4.5%	5.6%	4.7%	3.9%

Cash flow quality

Cash flow quality table

Metric	2021	2022	2023	2024	2025	TTM
FCFFCash flow available to all capital providers.	$205.58M	$489.10M	$425.82M	$551.16M	$620.57M	$697.60M
FCFECash flow available to equity holders after debt flows.	$867.28M	$513.72M	$586.30M	$601.71M	$899.93M	$1.16B
FCF YieldFree cash flow divided by market capitalization.	5.9%	10.6%	7.3%	10.1%	7.5%	6.1%
Income QualityHow well accounting earnings are backed by cash flow.	1.79	1.85	1.90	2.09	1.77	1.73
Capex / OCFShare of operating cash flow spent on capital expenditures.	18.8%	7.6%	14.5%	12.6%	9.4%	11.4%

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	TTM
DSOAverage days to collect cash from customers.	125.5d	73.8d	76.2d	79.6d	109.4d	90.2d
DIOAverage days inventory stays before being sold.	123.2d	71.9d	69.3d	69.4d	100.5d	98.9d
DPOAverage days the company takes to pay suppliers.	10.8d	6.8d	5.9d	6.5d	5.5d	36.1d
Operating CycleTime from buying inventory to collecting receivables.	248.8d	145.7d	145.4d	149.0d	209.9d	189.2d
Cash Conversion CycleNet days cash is tied in operations.	238.0d	138.9d	139.5d	142.5d	204.5d	153.1d

Snapshot

Latest / TTM: —

Market Cap

$9.71B

ROE

17.1%

FCF Yield

6.1%

Current Ratio

4.89

Upstream

Individual Consumers (Pawn Customers)Banks & Lending Institutions (for pawn loan capital)Fiserv, Inc.NASDAQ:FI Global Payments Inc.NYSE:GPNJewelry & Precious Metals Wholesalers / RefinersElectronics & Consumer Goods DistributorsStore Security & Surveillance System Providers (Honeywell, Bosch, Dahua)Point-of-Sale Software ProvidersVisa Inc.NYSE:V Mastercard IncorporatedNYSE:MA

Downstream

Pawn Loan Borrowers (Consumers)Retail Merchandise Buyers (Consumers)Small & Medium Business Merchants (POS Segment)American FirstCash (Wholly-Owned Subsidiary)

Proxies

EZCORP, Inc.NASDAQ:EZPW Cash America International (now Enova International)NYSE:ENVA Fiserv, Inc.NASDAQ:FI Global Payments Inc.NYSE:GPN

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FirstCash Holdings, Inc

Key Metrics of FCFS

Key Metrics

Valuation trend

Returns + ROCE gauge

Cash flow quality

Operating efficiency

Snapshot

Supply Chain of FCFS

Upstream

Downstream

Proxies

Key Metrics of FCFS

Key Metrics

Valuation trend

Returns + ROCE gauge

Cash flow quality

Operating efficiency

Snapshot

Supply Chain of FCFS

Upstream

Downstream

Proxies