Revenue Breakdown
Composition ()
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Revenue Streams
Firstcash Holdings Inc (FCFS) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is Retail merchandise sales, accounting for 44.4% of total sales, equivalent to $371.76M. Other significant revenue streams include Pawn loan fees and Leased merchandise income. Understanding this composition is critical for investors evaluating how FCFS navigates market cycles within the Consumer Lending industry.
Profitability & Margins
Evaluating the bottom line, Firstcash Holdings Inc maintains a gross margin of 42.51%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 8.36%, while the net margin is 9.70%. These profitability ratios, combined with a Return on Equity (ROE) of 14.75%, provide a clear picture of how effectively FCFS converts its operational activities into shareholder value.
Comparative Benchmarking
In the context of the broader market, FCFS competes directly with industry leaders such as UHAL and AL. With a market capitalization of $8.67B, it holds a significant position in the sector. When comparing efficiency, FCFS's gross margin of 42.51% stands against UHAL's 11.52% and AL's 100.00%. Such benchmarking helps identify whether Firstcash Holdings Inc is trading at a premium or discount relative to its financial performance.
