FirstCash Holdings (FCFS) Times Interest Earned (2010 - 2026)
FirstCash Holdings' (FCFS) Times Interest Earned stood at 3.68 in 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) Times Interest Earned (2010 - 2026) Analysis & Trends
On a TTM basis, FirstCash Holdings' Times Interest Earned came in at 3.87 as of Sep 30, 2026, up 5.7% year-over-year; for FY2025, it was 3.69, up 13.3% from FY2024.
- Across earlier years, Times Interest Earned 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%).
- Quarterly Times Interest Earned has ranged from 2.28 in Q1 2022 to 6.75 in Q2 2022 over the past five years.
- On a year-over-year basis, Times Interest Earned has increased for eight consecutive quarters, with growth averaging 12.2% over the last eight quarters.
- Peak year-over-year performance for Times Interest Earned in the last five years was growth of 37.1% in Q4 2022, against a decline of 64.4% in Q1 2022 at the low end.
- Per Business Quant, the preceding three quarters 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) | Times Interest Earned (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 Times Interest Earned 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=times-interest-earned&ticker=FCFS&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "times-interest-earned", "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=times-interest-earned&ticker=FCFS&period=max&api_key=YOUR_API_KEY");
const data = await res.json();