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FirstCash Inc (FCFS)
NASDAQ:FCFS
US Market

FirstCash (FCFS) Ratios

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FirstCash Ratios

FCFS's free cash flow for Q4 2025 was $0.50. For the 2025 fiscal year, FCFS's free cash flow was decreased by $ and operating cash flow was $0.17. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
4.55 4.55 4.14 3.89 3.83
Quick Ratio
3.36 3.36 3.15 2.96 2.85
Cash Ratio
0.31 0.31 0.52 0.38 0.40
Solvency Ratio
0.25 0.25 0.33 0.32 0.35
Operating Cash Flow Ratio
1.44 1.44 1.59 1.24 1.59
Short-Term Operating Cash Flow Coverage
5.26 5.26 0.00 0.00 0.00
Net Current Asset Value
$ -1.17B$ -1.17B$ -1.02B$ -986.90M$ -894.44M
Leverage Ratios
Debt-to-Assets Ratio
0.53 0.53 0.46 0.45 0.43
Debt-to-Equity Ratio
1.24 1.24 1.00 0.96 0.89
Debt-to-Capital Ratio
0.55 0.55 0.50 0.49 0.47
Long-Term Debt-to-Capital Ratio
0.52 0.52 0.46 0.45 0.42
Financial Leverage Ratio
2.33 2.33 2.18 2.15 2.08
Debt Service Coverage Ratio
3.79 3.79 8.57 8.94 11.05
Interest Coverage Ratio
4.64 4.64 4.28 4.18 4.02
Debt to Market Cap
0.30 0.36 0.37 0.33 0.34
Interest Debt Per Share
65.36 65.36 47.93 44.70 36.89
Net Debt to EBITDA
2.69 2.69 1.90 1.98 1.82
Profitability Margins
Gross Profit Margin
50.28%51.67%48.09%47.82%46.34%
EBIT Margin
15.54%15.54%13.22%12.25%14.45%
EBITDA Margin
27.31%27.31%29.11%28.77%31.21%
Operating Profit Margin
15.36%15.36%13.29%12.36%10.40%
Pretax Profit Margin
12.23%12.23%10.12%9.29%11.86%
Net Profit Margin
9.02%9.02%7.64%6.96%9.29%
Continuous Operations Profit Margin
9.02%9.02%7.64%6.96%9.29%
Net Income Per EBT
73.82%73.82%75.51%74.89%78.33%
EBT Per EBIT
79.61%79.61%76.10%75.16%113.99%
Return on Assets (ROA)
6.23%6.23%5.78%5.11%6.49%
Return on Equity (ROE)
15.23%14.51%12.60%10.98%13.49%
Return on Capital Employed (ROCE)
11.49%11.49%10.89%9.85%7.87%
Return on Invested Capital (ROIC)
8.29%8.29%8.03%7.19%6.01%
Return on Tangible Assets
10.85%10.85%10.52%9.60%12.72%
Earnings Yield
3.74%4.61%5.56%4.49%6.18%
Efficiency Ratios
Receivables Turnover
3.34 3.34 4.59 4.79 4.94
Payables Turnover
8.56 66.72 56.49 62.05 53.41
Inventory Turnover
3.74 3.63 5.26 5.27 5.08
Fixed Asset Turnover
3.12 3.12 3.25 3.28 3.23
Asset Turnover
0.69 0.69 0.76 0.73 0.70
Working Capital Turnover Ratio
2.54 2.91 3.33 3.49 3.47
Cash Conversion Cycle
164.49 204.46 142.54 139.55 138.85
Days of Sales Outstanding
109.43 109.43 79.57 76.16 73.82
Days of Inventory Outstanding
97.69 100.50 69.43 69.27 71.87
Days of Payables Outstanding
42.63 5.47 6.46 5.88 6.83
Operating Cycle
207.12 209.93 149.00 145.43 145.69
Cash Flow Ratios
Operating Cash Flow Per Share
13.03 13.03 12.01 9.23 9.94
Free Cash Flow Per Share
11.42 10.43 10.49 7.89 9.19
CapEx Per Share
1.61 2.60 1.52 1.33 0.75
Free Cash Flow to Operating Cash Flow
0.88 0.80 0.87 0.86 0.92
Dividend Paid and CapEx Coverage Ratio
4.08 3.12 4.03 3.41 4.93
Capital Expenditure Coverage Ratio
8.07 5.02 7.91 6.92 13.19
Operating Cash Flow Coverage Ratio
0.21 0.21 0.26 0.22 0.28
Operating Cash Flow to Sales Ratio
0.16 0.16 0.16 0.13 0.17
Free Cash Flow Yield
5.93%6.55%10.13%7.28%10.57%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
26.70 21.69 18.00 22.29 16.19
Price-to-Sales (P/S) Ratio
2.37 1.96 1.37 1.55 1.50
Price-to-Book (P/B) Ratio
3.87 3.15 2.27 2.45 2.18
Price-to-Free Cash Flow (P/FCF) Ratio
16.87 15.28 9.88 13.73 9.46
Price-to-Operating Cash Flow Ratio
15.06 12.23 8.63 11.75 8.74
Price-to-Earnings Growth (PEG) Ratio
3.88 0.79 0.92 -2.18 0.21
Price-to-Fair Value
3.87 3.15 2.27 2.45 2.18
Enterprise Value Multiple
11.35 9.86 6.62 7.37 6.64
Enterprise Value
11.35B 9.86B 6.53B 6.69B 5.66B
EV to EBITDA
11.35 9.86 6.62 7.37 6.64
EV to Sales
3.10 2.69 1.93 2.12 2.07
EV to Free Cash Flow
22.11 21.02 13.85 18.78 13.04
EV to Operating Cash Flow
19.37 16.83 12.10 16.07 12.05
Tangible Book Value Per Share
0.49 0.49 0.85 -0.20 -0.68
Shareholders’ Equity Per Share
50.63 50.63 45.68 44.26 39.81
Tax and Other Ratios
Effective Tax Rate
0.26 0.26 0.24 0.25 0.22
Revenue Per Share
81.42 81.42 75.36 69.87 57.80
Net Income Per Share
7.35 7.35 5.76 4.86 5.37
Tax Burden
0.74 0.74 0.76 0.75 0.78
Interest Burden
0.79 0.79 0.77 0.76 0.82
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.06 0.06 0.05 0.06 0.05
Stock-Based Compensation to Revenue
<0.01 0.00 0.00 <0.01 <0.01
Income Quality
3.23 0.00 2.09 1.90 1.85
Currency in USD