FirstCash Holdings (FCFS) Provision for Credit Losses (2019 - 2026)
FirstCash Holdings (FCFS) reported Provision for Credit Losses of $40.79 million for Q3 2026, up 1.1% from $40.35 million a year earlier and up 2.2% from the prior quarter.
Powered by 
Analysis
FirstCash Holdings (FCFS) Provision for Credit Losses (2019 - 2026) Analysis & Trends
Over the twelve months ended Sep 30, 2026, FirstCash Holdings' Provision for Credit Losses came in at $167.8 million, up 4.7% year-over-year; for FY2025, it came in at $162.71 million, up 13.1% from FY2024.
- Provision for Credit Losses has increased for four consecutive years.
- By year, Provision for Credit Losses came in at $143.83 million in FY2024 (+16.9%), $123.03 million in FY2023 (+3.8%), $118.5 million in FY2022 (+142.1%) and $48.95 million in FY2021.
- Five-year quarterly Provision for Credit Losses spans a low of $24.7 million in Q1 2022 and a high of $48.95 million in Q4 2021.
- Year over year, Provision for Credit Losses gained in six of the last eight quarters, with growth averaging 12.8%.
- The high point for year-over-year Provision for Credit Losses in five years was Q2 2025 (growth of 34.2%); the low point was Q4 2022 (a decline of 28.4%).
- Per Business Quant data, the three quarters before Q3 2026 came in at $39.93 million (Q2 2026), $42.84 million (Q1 2026) and $44.24 million (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Provisions (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 41.90 Bn | 30.71 Bn | - | - |
| 2 | Orix | 39.02 Bn | 7.74 Bn | 12.74 Bn | -3.38 Mn |
| 3 | Royalty Pharma | 30.28 Bn | 27.65 Bn | - | -88.32 Mn |
| 4 | Federal National Mortgage Association Fannie Mae | 24.93 Bn | 24.93 Bn | - | 1.14 Bn |
| 5 | Synchrony Financial | 23.62 Bn | -44.01 Bn | - | 1.27 Bn |
| 6 | Affirm Holdings | 22.78 Bn | 15.83 Bn | - | 259.36 Mn |
| 7 | Royal Gold | 22.25 Bn | 21.43 Bn | 390.45 Mn | - |
| 8 | Annaly Capital Management | 14.30 Bn | 5.26 Bn | - | - |
| 9 | Ares Capital | 13.85 Bn | 11.60 Bn | - | - |
| 10 | FirstCash Holdings | 7.97 Bn | 7.34 Bn | 545.54 Mn | 40.79 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 40.79 Mn |
| Jun 30, 2026 | 39.93 Mn |
| Mar 31, 2026 | 42.84 Mn |
| Dec 31, 2025 | 44.24 Mn |
| Sep 30, 2025 | 40.35 Mn |
| Jun 30, 2025 | 41.76 Mn |
| Mar 31, 2025 | 36.36 Mn |
| Dec 31, 2024 | 41.74 Mn |
| Sep 30, 2024 | 40.56 Mn |
| Jun 30, 2024 | 31.12 Mn |
| Mar 31, 2024 | 30.42 Mn |
| Dec 31, 2023 | 32.46 Mn |
| Sep 30, 2023 | 33.10 Mn |
| Jun 30, 2023 | 28.19 Mn |
| Mar 31, 2023 | 29.29 Mn |
| Dec 31, 2022 | 35.05 Mn |
| Sep 30, 2022 | 31.96 Mn |
| Jun 30, 2022 | 26.80 Mn |
| Mar 31, 2022 | 24.70 Mn |
| Dec 31, 2021 | 48.95 Mn |
API Access
FirstCash Holdings Provision for Credit Losses 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=provision-for-credit-losses&ticker=FCFS&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "provision-for-credit-losses", "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=provision-for-credit-losses&ticker=FCFS&period=max&api_key=YOUR_API_KEY");
const data = await res.json();