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FirstCash Holdings, Inc. (FCFS)

FirstCash Holdings, Inc. (FCFS)

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Cash Flow Overview

Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Issuance of senior unsecured not...
    • Pawn loans repaid
    • Recovery of pawn loan principal ...
    • Others
Negative Cash Flow Breakdown
    • Repayments of credit facilities
    • Pawn loans made
    • Investments in finance receivabl...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
93,467
107,702
104,172
82,807
Depreciation of leased merchandise
71,650
81,059
76,002
76,028
Provision for lease losses
24,439
29,744
32,337
27,920
Provision for loan losses
39,930
42,844
44,238
40,347
Share-based compensation expense
5,375
5,375
5,097
6,103
Depreciation and amortization expense
32,440
31,516
31,406
29,034
Amortization of debt issuance costs
1,185
951
1,014
1,003
Loss on extinguishment of debt
-4,182
-
-
-
Net amortization of premiums, discounts and unearned origination fees on finance receivables
-17,026
-16,940
-18,229
-19,784
Other income, net
-
-
0
0
Deferred income taxes, net
748
-2,068
1,942
19,991
Accounts receivable, net
2,463
2,418
-1,215
5,352
Inventories purchased directly from customers, wholesalers or manufacturers
-37,832
32,478
7,927
9,242
Leased merchandise
83,411
93,767
122,897
102,984
Prepaid expenses and other assets
2,656
-1,023
-1,166
5,052
Accounts payable, accrued liabilities and other liabilities
8,618
-18,418
32,457
-5,123
Income taxes
-37,533
19,503
24,652
107
Net cash flow provided by operating activities
176,777
153,628
206,645
135,803
Pawn loans made
667,577
661,711
2,094,228
-
Pawn loans repaid
372,464
403,654
1,197,038
-
Recovery of pawn loan principal through sale of forfeited collateral
193,646
211,478
759,333
-
Pawn loans, net
-
-
-
68,141
Investments in finance receivables
-
-
440,576
-
Investments in finance receivables
93,742
102,568
3,977
338,295
Proceeds from finance receivables
-94,206
175,497
-
-319,116
Purchases of furniture, fixtures, equipment and improvements
17,748
20,116
17,487
11,553
Purchases of store real property
9,699
30,547
17,688
16,105
Acquisitions of pawn stores, net of cash acquired
7,820
3,705
68,185
373,225
Net cash flow used in investing activities
-136,270
-115,873
-165,632
-488,203
Borrowings from credit facilities
119,394
189,303
106,908
517,372
Repayments of credit facilities
711,941
141,207
112,314
97,070
Payment for debt extinguishment or debt prepayment cost
4,182
-
-
-
Repurchase/redemption of senior unsecured notes
60,502
-
-
-
Issuance of senior unsecured notes
750,000
-
0
0
Debt issuance costs paid
8,843
-
0
0
Purchases of treasury stock
66,938
50,000
25,390
30,000
Payment of withholding taxes on net share settlements of restricted stock unit awards
0
11,240
0
0
Dividends paid
18,411
18,455
18,440
18,633
Net cash flow used in financing activities
-1,423
-31,599
-49,236
371,669
Effect of exchange rates on cash
2,475
-614
3,180
9,504
Change in cash and cash equivalents
41,559
5,542
-5,043
28,773
Cash and cash equivalents at beginning of the period
130,739
125,197
130,240
175,095
Cash and cash equivalents at end of the period
172,298
130,739
125,197
130,240
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net income$93,467K (-34.82%↓ Y/Y)Depreciation of leasedmerchandise$71,650K (-57.12%↓ Y/Y)Provision for loan losses$39,930K (-48.89%↓ Y/Y)Inventories purchaseddirectly from customers,...-$37,832K (-1017.14%↓ Y/Y)Depreciation andamortization expense$32,440K (-36.85%↓ Y/Y)Provision for lease losses$24,439K (-59.34%↓ Y/Y)Accounts payable,accrued liabilities and...$8,618K (139.24%↑ Y/Y)Share-based compensationexpense$5,375K (-40.61%↓ Y/Y)Loss onextinguishment of debt-$4,182K Amortization of debt issuancecosts$1,185K (-39.88%↓ Y/Y)Deferred income taxes,net$748K (122.79%↑ Y/Y)Net cash flowprovided by operating...$176,777K (-27.40%↓ Y/Y)Effect of exchangerates on cash$2,475K (-20.49%↓ Y/Y)Canceled cashflow$143,089K Change in cash and cashequivalents$41,559K (156.44%↑ Y/Y)Canceled cashflow$137,693K Leased merchandise$83,411K (-58.18%↓ Y/Y)Income taxes-$37,533K (-3594.19%↓ Y/Y)Net amortization ofpremiums, discounts and...-$17,026K (41.61%↑ Y/Y)Prepaid expenses andother assets$2,656K (-63.12%↓ Y/Y)Accounts receivable, net$2,463K (74.68%↑ Y/Y)Pawn loans repaid$372,464K Recovery of pawn loanprincipal through sale of...$193,646K Proceeds from financereceivables-$94,206K (-268.29%↓ Y/Y)Issuance of seniorunsecured notes$750,000K Borrowings from creditfacilities$119,394K (-30.58%↓ Y/Y)Net cash flow used ininvesting activities-$136,270K (21.78%↑ Y/Y)Net cash flow used infinancing activities-$1,423K (99.03%↑ Y/Y)Canceled cashflow$660,316K Canceled cashflow$869,394K Pawn loans made$667,577K Repayments of creditfacilities$711,941K (226.58%↑ Y/Y)Investments in financereceivables$93,742K Purchases of furniture,fixtures, equipment and...$17,748K (-31.38%↓ Y/Y)Purchases of store realproperty$9,699K (-65.52%↓ Y/Y)Acquisitions of pawn stores,net of cash acquired$7,820K (-76.76%↓ Y/Y)Purchases of treasurystock$66,938K (10.72%↑ Y/Y)Repurchase/redemption of seniorunsecured notes$60,502K Dividends paid$18,411K (-45.53%↓ Y/Y)Debt issuance costspaid$8,843K Payment for debtextinguishment or debt...$4,182K