FirstCash Holdings (FCFS) Times Interest Earned (2010 - 2026)
FirstCash Holdings (FCFS) posted Times Interest Earned of 3.56 for Q2 2026, down 15.37% on a QoQ basis from 4.2 in Q1 2026, and up 15.55% year-over-year from 3.08 in Q2 2025.
Analysis
FirstCash Holdings (FCFS) Times Interest Earned (2010 - 2026) Analysis & Trends
FirstCash Holdings has reported Times Interest Earned for 17 years, with the latest figure at 3.56 in Q2 2026.
- On a quarterly basis, Times Interest Earned rose 15.55% year-over-year to 3.56 in Q2 2026; TTM through Jun 2026 was 3.83, a 7.3% increase from a year earlier, with the FY2025 full-year figure at 3.69, up 13.27% from the prior year.
- Times Interest Earned was 3.56 for Q2 2026 at FirstCash Holdings, down from 4.2 in the prior quarter.
- The five-year high for Times Interest Earned was 6.75 in Q2 2022, with the low at 2.28 in Q1 2022.
- Average Times Interest Earned over 5 years is 3.67, with a median of 3.47 recorded in 2025.
- The largest YoY upside for Times Interest Earned was 37.06% in 2022 against a maximum downside of 64.35% in 2022.
- Over 5 years, Times Interest Earned stood at 5.09 in 2022, then slumped by 32.4% to 3.44 in 2023, then climbed by 17.03% to 4.03 in 2024, then rose by 0.53% to 4.05 in 2025, then fell by 12.13% to 3.56 in 2026.
- The last three Times Interest Earned figures came in at 3.56 (Q2 2026), 4.2 (Q1 2026), and 4.05 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 2.22 |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 1.24 |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 3.56 |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 1.40 |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 1.30 |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 2.42 |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 2.43 |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 1.64 |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 6.56 |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 1.07 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| 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 |
| Sep 30, 2021 | 5.56 |