FirstCash Holdings Ratios (2010-2025) | FCFS

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Ratios	Jun2010	Sep2010	Dec2010	Mar2011	Jun2011	Sep2011	Dec2011	Mar2012	Jun2012	Sep2012	Dec2012	Mar2013	Jun2013	Sep2013	Dec2013	Mar2014	Jun2014	Sep2014	Dec2014	Mar2015	Jun2015	Sep2015	Dec2015	Mar2016	Jun2016	Sep2016	Dec2016	Mar2017	Jun2017	Sep2017	Dec2017	Mar2018	Jun2018	Sep2018	Dec2018	Mar2019	Jun2019	Sep2019	Dec2019	Mar2020	Jun2020	Sep2020	Dec2020	Mar2021	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025
Profitability
Gross Margin	58.53%	59.07%	57.75%	58.14%	57.13%	57.00%	54.08%	57.75%	56.37%	57.28%	55.57%	57.07%	59.11%	54.20%	54.10%	56.81%	56.81%	56.49%	55.05%	56.11%	56.11%	56.30%	53.77%	55.60%	55.75%	56.43%	55.00%	54.27%	53.87%	53.06%	51.88%	53.15%	54.39%	55.19%	54.45%	54.70%	54.78%	55.47%	53.63%	55.59%	54.05%	56.33%	57.63%	57.26%	57.56%	58.32%	45.49%	44.13%	46.47%	48.10%	46.59%	45.63%	47.01%	49.43%	49.01%	47.33%	47.58%	48.32%	49.07%	50.72%	49.70%	50.63%	50.06%
EBT Margin	16.92%	19.27%	21.77%	20.33%	19.47%	21.14%	21.54%	19.94%	18.96%	20.16%	22.82%	19.49%	16.69%	16.99%	19.34%	17.09%	14.15%	15.93%	18.10%	13.86%	11.59%	9.58%	14.43%	10.73%	9.48%	0.16%	12.15%	11.67%	5.15%	9.55%	11.88%	12.40%	10.07%	10.25%	13.13%	12.58%	10.15%	10.82%	14.35%	9.80%	9.01%	4.91%	10.99%	11.34%	9.96%	11.08%	7.40%	5.61%	16.93%	11.22%	13.56%	8.29%	8.06%	9.87%	10.74%	9.79%	7.96%	10.17%	12.39%	13.30%	9.76%	12.02%	13.49%
EBIT Margin	16.92%	19.27%	21.77%	20.29%	19.44%	21.14%	21.95%	19.85%	18.92%	20.10%	22.97%	19.49%	16.69%	16.99%	19.34%	17.09%	14.15%	15.93%	18.10%	13.86%	11.59%	9.58%	14.43%	10.73%	9.48%	0.16%	12.15%	11.67%	5.15%	9.55%	11.88%	12.40%	10.07%	10.25%	13.13%	12.58%	10.15%	10.82%	14.35%	9.80%	9.01%	4.91%	10.99%	11.34%	9.96%	11.08%	7.40%	5.61%	16.93%	11.22%	13.56%	8.29%	8.06%	9.87%	10.74%	9.79%	7.96%	10.17%	12.39%	13.30%	9.76%	12.02%	13.49%
EBITDA Margin	16.92%	19.27%	21.77%	20.29%	19.44%	21.14%	21.95%	19.85%	18.92%	20.10%	22.97%	19.49%	16.69%	16.99%	19.34%	17.09%	14.15%	15.93%	18.10%	13.86%	11.59%	9.58%	14.43%	10.73%	9.48%	0.16%	12.15%	11.67%	5.15%	9.55%	11.88%	12.40%	10.07%	10.25%	13.13%	12.58%	10.15%	10.82%	14.35%	9.80%	9.01%	4.91%	10.99%	11.34%	9.96%	11.08%	9.96%	19.81%	29.68%	24.09%	25.66%	21.61%	21.72%	23.06%	22.90%	24.17%	21.22%	22.70%	23.47%	23.92%	19.18%	20.15%	20.67%
Operating Margin	16.92%	19.27%	21.77%	20.29%	19.44%	21.14%	21.95%	19.85%	18.92%	20.10%	22.97%	19.49%	16.69%	16.99%	19.34%	17.09%	14.15%	15.93%	18.10%	13.86%	11.59%	9.58%	14.43%	10.73%	9.48%	0.16%	12.15%	11.67%	5.15%	9.55%	11.88%	12.40%	10.07%	10.25%	13.13%	12.58%	10.15%	10.82%	14.35%	9.80%	9.01%	4.91%	10.99%	11.34%	9.96%	11.08%	7.40%	5.61%	16.93%	11.22%	13.56%	8.29%	8.06%	9.87%	10.74%	9.79%	7.96%	10.17%	12.39%	13.30%	9.76%	12.02%	13.49%
Net Margin	1.58%	0.95%	1.49%	5.55%	0.13%	0.14%	0.16%	0.10%	0.04%	-0.46%	0.00%	0.05%	0.01%	0.01%	-0.40%	-0.16%								7.19%	6.41%	-0.54%	7.94%	7.29%	3.66%	6.49%	14.11%	9.26%	7.18%	7.75%	9.99%	9.12%	7.41%	7.68%	10.87%	7.06%	6.27%	4.19%	8.35%	8.26%	7.30%	8.36%	5.85%	4.24%	13.30%	8.82%	10.68%	6.21%	6.02%	7.27%	8.17%	7.34%	5.91%	7.74%	9.45%	9.99%	7.20%	8.85%	9.84%
FCF Margin		10.53%	14.70%	20.84%	8.60%	9.84%	12.36%	18.61%	3.89%	5.55%	16.11%	12.81%	9.96%	12.34%	12.94%	11.50%	10.26%	8.60%	10.95%	13.09%	6.12%	9.61%	11.54%	10.23%	2.07%	-2.09%	12.85%	12.46%	7.11%	8.46%	15.02%	19.10%	4.66%	9.99%	12.32%	13.27%	4.72%	10.53%	5.26%	14.32%	13.57%	7.42%	6.95%	14.63%	8.48%	3.38%	7.48%	17.14%	14.51%	13.25%	12.04%	12.69%	10.73%	11.83%	8.85%	11.49%	10.82%	-16.12%	45.57%	13.60%	12.51%	-18.88%	45.64%
Efficiency
Inventory Average		39.44M	45.71M	48.15M	51.76M	54.78M	49.66M	45.76M	50.04M	59.34M	65.52M	65.06M	73.39M	82.29M	80.18M	75.04M	74.93M	86.24M	92.99M	86.82M	85.32M	93.13M	95.82M	92.09M	91.29M	212.36M	331.77M	319.42M	304.76M	305.02M	292.73M	265.53M	251.99M	263.56M	276.28M	266.47M	262.12M	274.18M	273.59M	246.57M	203.92M	174.32M	179.51M	187.84M	201.15M	235.61M	258.79M	255.29M	253.90M	277.98M	291.88M	272.97M	262.37M	290.76M	313.24M	307.24M	308.90M	324.91M	334.49M	334.64M	345.22M	406.00M	471.75M
Assets Average		293.33M	322.76M	360.87M	375.25M	356.25M	349.18M	366.46M	390.53M	446.73M	497.96M	506.71M	540.59M	589.05M	630.81M	673.08M	690.96M	699.70M	708.27M	706.96M	723.30M	744.54M	748.71M	753.39M	755.24M	1,517.15M	2,211.45M	2,094.38M	2,073.94M	2,118.02M	2,097.26M	2,033.24M	2,006.67M	2,063.06M	2,112.23M	2,221.88M	2,370.13M	2,413.64M	2,431.12M	2,376.16M	2,247.70M	2,209.01M	2,303.85M	2,336.18M	2,378.30M	2,494.96M	3,184.97M	3,789.81M	3,769.85M	3,828.75M	3,882.91M	3,887.08M	3,914.43M	4,067.06M	4,232.24M	4,268.68M	4,284.93M	4,357.63M	4,434.92M	4,451.63M	4,470.26M	4,848.28M	5,241.54M
Equity Average		250.48M	279.17M	312.20M	324.55M	309.29M	305.63M	308.78M	296.32M	303.67M	334.65M	373.70M	380.39M	376.66M	398.93M	423.84M	439.85M	435.91M	431.95M	433.46M	433.16M	423.58M	422.34M	435.33M	436.39M	933.27M	1,441.52M	1,468.61M	1,489.33M	1,479.56M	1,471.51M	1,449.81M	1,367.16M	1,310.89M	1,314.92M	1,323.26M	1,327.68M	1,331.56M	1,343.11M	1,278.70M	1,220.08M	1,238.35M	1,263.87M	1,287.45M	1,290.95M	1,292.32M	1,550.97M	1,786.18M	1,791.12M	1,811.58M	1,842.46M	1,875.32M	1,883.80M	1,907.15M	1,957.00M	2,020.90M	2,011.92M	1,988.82M	2,026.68M	2,056.26M	2,099.26M	2,169.91M	2,238.20M
Invested Capital	243.67M	260.80M	298.47M	326.87M	323.17M	296.37M	315.37M	303.78M	292.06M	316.89M	352.42M	394.98M	365.80M	387.51M	410.35M	437.34M	442.36M	429.45M	656.84M	432.47M	433.86M	413.30M	689.38M	439.29M	433.49M	1,433.05M	1,709.99M	1,487.23M	1,883.24M	1,902.64M	1,877.58M	1,802.69M	1,827.10M	1,912.45M	1,908.99M	1,879.47M	1,963.16M	1,972.57M	1,350.04M	1,859.64M	1,729.70M	1,776.70M	1,776.73M	1,828.20M	1,947.12M	2,033.32M	2,842.03M	3,016.59M	3,126.76M	3,178.38M	2,915.46M	3,215.05M	3,309.38M	3,514.96M	3,034.07M	3,589.53M	3,658.32M	3,729.80M	3,585.51M	3,765.46M	3,825.03M	4,412.75M	4,500.77M
Asset Utilization Ratio				1.24	1.26	1.40	1.48	1.45	1.39	1.25	1.19	1.22	1.16	1.11	1.05	1.00	1.00	0.99	1.01	1.02	1.00	0.96	0.94	0.94	0.96	0.54	0.49	0.65	0.77	0.83	0.85	0.88	0.89	0.86	0.84	0.81	0.77	0.77	0.77	0.78	0.81	0.79	0.71	0.67	0.65	0.64	0.53	0.51	0.59	0.65	0.70	0.73	0.75	0.75	0.74	0.76	0.77	0.77	0.76	0.76	0.76	0.72	0.70
Leverage & Solvency
Interest Coverage Ratio	120.86	276.20	622.05	939.42	583.80	720.10	0.00M	344.48	141.38	67.32	51.76	43.35	37.54	26.25	35.18	20.20	5.98	6.87	8.90	6.07	4.71	3.74	6.27	4.41	3.99	0.08	8.69	8.55	3.84	6.78	9.19	9.00	6.47	5.60	7.36	7.03	5.30	5.49	8.73	5.43	5.33	2.70	5.83	6.40	5.39	5.56	3.71	2.28	6.75	4.12	5.09	3.02	2.87	3.14	3.44	3.22	2.63	3.11	4.03	4.05	3.08	3.49	4.05
Debt to Equity	0.03	0.01	0.01	0.01	0.01	0.01		0.06	0.25	0.35	0.29	0.13	0.42	0.39	0.44	0.46	0.45	0.47	0.46	0.45	0.45	0.47	0.45	0.45	0.45	0.25	0.18	0.13	0.20	0.20	0.20	0.21	0.23	0.23	0.22	0.22	0.26	0.25	0.25	0.29	0.24	0.40	0.38	0.38	0.38	0.38	0.57	0.59	0.57	0.57	0.55	0.55	0.55	0.54	0.52	0.75	0.77	0.77	0.75	0.74	0.72	0.74	0.72
Debt Ratio	0.02	0.01	0.01	0.00	0.00	0.00		0.05	0.18	0.23	0.20	0.10	0.27	0.25	0.28	0.29	0.29	0.28	0.28	0.28	0.26	0.26	0.26	0.26	0.26	0.16	0.12	0.10	0.14	0.14	0.14	0.15	0.15	0.14	0.14	0.13	0.14	0.14	0.14	0.15	0.14	0.22	0.21	0.21	0.20	0.19	0.27	0.28	0.27	0.27	0.27	0.27	0.26	0.25	0.24	0.36	0.35	0.35	0.34	0.35	0.34	0.32	0.31
Equity Ratio	0.85	0.86	0.87	0.86	0.87	0.87	0.88	0.80	0.72	0.65	0.69	0.78	0.64	0.64	0.62	0.64	0.64	0.61	0.61	0.62	0.58	0.56	0.57	0.58	0.57	0.63	0.68	0.73	0.71	0.69	0.72	0.71	0.65	0.62	0.63	0.57	0.55	0.55	0.55	0.52	0.56	0.56	0.54	0.56	0.53	0.51	0.47	0.47	0.48	0.47	0.48	0.48	0.48	0.46	0.47	0.48	0.46	0.46	0.46	0.47	0.47	0.42	0.43
Times Interest Earned	120.86	276.20	622.05	939.42	583.80	720.10	0.00M	344.48	141.38	67.32	51.76	43.35	37.54	26.25	35.18	20.20	5.98	6.87	8.90	6.07	4.71	3.74	6.27	4.41	3.99	0.08	8.69	8.55	3.84	6.78	9.19	9.00	6.47	5.60	7.36	7.03	5.30	5.49	8.73	5.43	5.33	2.70	5.83	6.40	5.39	5.56	3.71	2.28	6.75	4.12	5.09	3.02	2.87	3.14	3.44	3.22	2.63	3.11	4.03	4.05	3.08	3.49	4.05
Dividends & Payouts
FCF Payout Ratio																								0.19	0.94	-0.65	0.16	0.16	0.31	0.25	0.13	0.12	0.51	0.23	0.18	0.18	0.51	0.23	0.44	0.17	0.20	0.42	0.41	0.19	0.37	0.89	0.32	0.13	0.15	0.18	0.17	0.16	0.19	0.17	0.21	0.16	0.18	-0.13	0.04	0.15	0.16	-0.11	0.04
Valuation
Enterprise Value	-106.80M	-104.71M	-137.73M	-169.75M	-147.91M	-126.38M	-143.58M	-111.44M	-118.09M	-133.46M	-153.47M	-142.97M	-144.92M	-151.73M	-185.88M	-208.87M	-207.96M	-179.74M	-186.53M	-190.11M	-202.40M	-200.89M	-204.56M	-180.77M	-180.93M	-456.52M	-440.46M	-387.65M	-444.83M	-464.78M	-459.17M	-433.03M	-431.42M	-444.76M	-434.73M	-394.86M	-442.18M	-447.09M	-416.05M	-389.76M	-301.34M	-349.46M	-374.08M	-320.08M	-362.23M	-398.90M	-468.02M	-457.42M	-496.12M	-504.85M	-507.95M	-478.49M	-530.76M	-570.33M	-598.86M	-591.15M	-605.42M	-624.20M	-692.96M	-645.74M	-652.18M	-918.37M	-125.20M
Return Ratios
Return on Sales	0.02%	0.01%	0.01%	0.06%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%					0.07%	0.06%	-0.01%	0.08%	0.07%	0.04%	0.06%	0.14%	0.09%	0.07%	0.08%	0.10%	0.09%	0.07%	0.08%	0.11%	0.07%	0.06%	0.04%	0.08%	0.08%	0.07%	0.08%	0.06%	0.04%	0.13%	0.09%	0.11%	0.06%	0.06%	0.07%	0.08%	0.07%	0.06%	0.08%	0.09%	0.10%	0.07%	0.09%	0.10%
Return on Capital Employed				0.28%	0.28%	0.33%	0.34%	0.34%	0.31%	0.28%	0.26%	0.27%	0.25%	0.23%	0.21%	0.19%	0.18%	0.18%	0.18%	0.17%	0.16%	0.14%	0.12%	0.12%	0.11%	0.05%	0.05%	0.06%	0.07%	0.09%	0.09%	0.09%	0.10%	0.10%	0.10%	0.10%	0.10%	0.10%	0.10%	0.10%	0.10%	0.09%	0.07%	0.07%	0.07%	0.08%	0.06%	0.05%	0.07%	0.07%	0.09%	0.10%	0.08%	0.08%	0.08%	0.08%	0.08%	0.08%	0.08%	0.09%	0.09%	0.09%	0.09%
Return on Invested Capital				0.18%	0.19%	0.22%	0.23%	0.23%	0.25%	0.24%	0.24%	0.22%	0.22%	0.23%	0.21%	0.21%	0.20%	0.19%	0.16%	0.15%	0.18%	0.16%	0.11%	0.10%	0.13%	0.05%	0.04%	0.05%	0.05%	0.06%	0.08%	0.08%	0.09%	0.09%	0.08%	0.08%	0.08%	0.08%	0.10%	0.10%	0.08%	0.07%	0.06%	0.06%	0.06%	0.06%	0.05%	0.04%	0.06%	0.06%	0.08%	0.09%	0.07%	0.07%	0.07%	0.07%	0.07%	0.07%	0.07%	0.08%	0.08%	0.08%	0.07%
Return on Assets				0.03%	0.03%	0.02%	0.02%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%					0.02%	0.03%	0.02%	0.03%	0.04%	0.04%	0.05%	0.07%	0.08%	0.08%	0.08%	0.07%	0.07%	0.07%	0.07%	0.07%	0.07%	0.07%	0.06%	0.05%	0.05%	0.05%	0.05%	0.04%	0.03%	0.05%	0.05%	0.07%	0.07%	0.06%	0.06%	0.05%	0.05%	0.06%	0.06%	0.06%	0.06%	0.07%	0.06%	0.06%
Return on Equity				0.04%	0.03%	0.03%	0.02%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%					0.03%	0.06%	0.03%	0.04%	0.05%	0.06%	0.08%	0.10%	0.11%	0.12%	0.13%	0.12%	0.12%	0.12%	0.12%	0.12%	0.12%	0.12%	0.10%	0.08%	0.08%	0.09%	0.10%	0.08%	0.07%	0.10%	0.11%	0.14%	0.15%	0.12%	0.12%	0.11%	0.12%	0.12%	0.12%	0.13%	0.14%	0.14%	0.14%	0.15%

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FirstCash Holdings Ratios (2010-2025) | FCFS

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