FirstCash Holdings (FCFS) Interest Coverage Ratio (2010 - 2026)
FirstCash Holdings' (FCFS) Interest Coverage Ratio was 3.68 for Q3 2026, up 5.4% from 3.49 a year earlier and up 3.5% from the prior quarter.
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Analysis
FirstCash Holdings (FCFS) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
Over the twelve months ended Sep 30, 2026, FirstCash Holdings' Interest Coverage Ratio came in at 3.87, up 5.7% year-over-year; for FY2025, it came in at 3.69, up 13.3% from FY2024.
- By year, Interest Coverage Ratio came in at 3.26 in FY2024 (+3.7%), 3.14 in FY2023 (-31.4%), 4.58 in FY2022 (-11.0%) and 5.14 in FY2021 (+5.0%).
- Five-year quarterly Interest Coverage Ratio spans a low of 2.28 in Q1 2022 and a high of 6.75 in Q2 2022.
- Year over year, Interest Coverage Ratio has now increased in each of the last eight quarters, with growth averaging 12.2% over the last eight quarters.
- The high point for year-over-year Interest Coverage Ratio in five years was Q4 2022 (growth of 37.1%); the low point was Q1 2022 (a decline of 64.4%).
- Per Business Quant data, the three quarters before Q3 2026 came in at 3.56 (Q2 2026), 4.20 (Q1 2026) and 4.05 (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 42.59 Bn | 31.41 Bn | - | 3.67 |
| 2 | Orix | 41.61 Bn | 10.83 Bn | 12.74 Bn | 2.98 |
| 3 | Royalty Pharma | 38.85 Bn | 38.76 Bn | - | 1.42 |
| 4 | Federal National Mortgage Association Fannie Mae | 29.69 Bn | 29.69 Bn | - | 1.15 |
| 5 | Affirm Holdings | 25.49 Bn | 19.18 Bn | - | 1.24 |
| 6 | Synchrony Financial | 23.34 Bn | -44.29 Bn | - | 2.21 |
| 7 | Royal Gold | 20.84 Bn | 20.06 Bn | 390.45 Mn | 27.97 |
| 8 | Federal Home Loan Mortgage | 15.10 Bn | -3.58 Bn | - | 1.14 |
| 9 | Annaly Capital Management | 14.86 Bn | 5.89 Bn | - | 0.31 |
| 10 | FirstCash Holdings | 8.29 Bn | 7.66 Bn | 545.54 Mn | 3.68 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 3.68 |
| Jun 30, 2026 | 3.56 |
| Mar 31, 2026 | 4.20 |
| Dec 31, 2025 | 4.05 |
| Sep 30, 2025 | 3.49 |
| Jun 30, 2025 | 3.08 |
| Mar 31, 2025 | 4.05 |
| Dec 31, 2024 | 4.03 |
| Sep 30, 2024 | 3.11 |
| Jun 30, 2024 | 2.63 |
| Mar 31, 2024 | 3.22 |
| Dec 31, 2023 | 3.44 |
| Sep 30, 2023 | 3.14 |
| Jun 30, 2023 | 2.87 |
| Mar 31, 2023 | 3.02 |
| Dec 31, 2022 | 5.09 |
| Sep 30, 2022 | 4.12 |
| Jun 30, 2022 | 6.75 |
| Mar 31, 2022 | 2.28 |
| Dec 31, 2021 | 3.71 |
API Access
FirstCash Holdings Interest Coverage Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=interest-coverage-ratio&ticker=FCFS&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-coverage-ratio", "ticker": "FCFS", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=interest-coverage-ratio&ticker=FCFS&period=max&api_key=YOUR_API_KEY");
const data = await res.json();