FirstCash Holdings, Inc.
FirstCash Holdings, Inc. is classed by the SEC under Retail-Miscellaneous Retail (industry code 5900), based in Fort Worth, TX. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $1.7 billion and a profit of $330 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a retail business: prior from its industry code (SEC 5900, Retail-Miscellaneous Retail); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.3 out of ten, 9 of 9 metrics filed: past 4.9 out of ten, present 7.5 out of ten, future 5.4 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 2.7 out of ten. 1 warning event since 2017; the latest 2018-09-25. 27th percentile among 13 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 6.5 out of ten. +14.4% a year over 10 filed years; profitable in 10 of 10. 65th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 7.2 out of ten. Share count shrank 2.0% a year. 33% of cash flow returned. Insiders: 34 sales, 0 purchases. 72nd percentile among 7 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 7.1 out of ten. ROE 15%: 15¢ of profit per shareholder dollar. Leverage 57%: owes 57¢ per asset dollar. 71st percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 8.2 out of ten. top 18% of 12 in its family; net margin 9%. 82nd percentile among 12 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 7.5 out of ten. top 25% of 7 in its family for leadership; chief executive since 2007. 75th percentile among 7 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 5.5 out of ten. top 45% of 12 in its family for room to expand. 55th percentile among 12 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 5.8 out of ten. top 42% of 11 in its family for growth drivers. 58th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 4.8 out of ten. bottom 48% of 10 in its family for expectations against reality. 48th percentile among 10 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-09 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-07-27 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-23 (on EDGAR). Newest filing: Form 144, 2026-09-03. Filings on record since 1996. Read from EDGAR 2026-10-12.
Where the revenue comes from
By geography: United States 72%, Mexico 23%, United Kingdom 4%, Other Latin America 2%. As tagged in its annual report (Form 10-K, filed 2026-02-09).
Who runs it
Wessel, Rick L (Vice-Chairman & CEO); Hambleton, Howard F (AFF President); Stuart, Thomas Brent (President and COO); Orr, R Douglas (EVP & Chief Financial Officer); Hostetler, Brian D (SVP & Chief Accounting Officer); Ramos, Raul (SVP Latin American Operations); Graves, James H (director); Garrett, Paula K (director); Berce, Daniel E (director); Davis, Marthea (director); and 2 more. 12 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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