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FirstCash Holdings (FCFS) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 26, 2026 · FirstCash Holdings (FCFS) Q3 2026 earnings results →
Q3 2026 Revenue up 18% year over year to $1.1B · 9¢ of every $1 of revenue kept as net profit · operating margin 12.6%
FirstCash Holdings made $1.1B in Q3 2026 (+18% Y/Y). Operating margin 12.6%, net earnings $101M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 26, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $1.1B in Q3 2026, up 18% year over year and up 2% from the previous quarter.
Gross margin was 49.5%, down 1.1 points from Q3 2025. Operating profit was $0.14B, a 12.6% margin (up 0.6 points year over year). Of the extra revenue versus Q3 2025, 16% reached operating profit, above the 12% margin then. Operating expenses grew 13% against revenue growth of 18%. The fastest-growing cost line was General & admin (+13%). Net earnings were $0.10B, up 22% year over year. The effective tax rate was 27.1%.
Operating cash flow was $0.14B (up 5% year over year), 140% of net earnings. Non-cash charges added back $0.01B of share-based compensation. Working capital and other items added $0.04B. Capital expenditures of $0.03B left free cash flow of $0.11B.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 26, 2026 | $1.1B | +18% | 12.6% | $101M | $142M |
| Q2 2026 | 10-Q | Jul 27, 2026 | $1.1B | +29% | 11.8% | $93.5M | $177M |
| Q1 2026 | 10-Q | Apr 24, 2026 | $1.1B | +26% | 13.8% | $108M | $154M |
| Q4 2025 | 10-K | Feb 9, 2026 | $1.1B | +20% | 13.5% | $104M | $207M |
| Q3 2025 | 10-Q | Nov 3, 2025 | $936M | +12% | 12.0% | $82.8M | $136M |
| Q2 2025 | 10-Q | Jul 28, 2025 | $831M | 0% | 9.8% | $59.8M | $117M |
| Q1 2025 | 10-Q | Apr 28, 2025 | $836M | 0% | 13.3% | $83.6M | $127M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About FirstCash Holdings
FirstCash Holdings, Inc., along with its wholly owned subsidiaries (together, “FirstCash” or the “Company”), is the leading operator of pawn stores in the U.S., Latin America and the U.K. FirstCash’s primary line of business is the operation of retail pawn stores, also known as “pawnshops.” The Company also operates a retail POS payment solutions business. The Company’s two business lines are organized into four reportable segments:
In its own words, from its 10-K, filed Feb 9, 2026.
FirstCash Holdings against its Retail-Miscellaneous Retail peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +18% against the peers' median +18%. Operating margin: 12.6% against the peers' median 9.8%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| FCFS FirstCash Holdings | Q3 2026 | $1.1B | +18% | 12.6% |
| SVV Savers Value Village | Q3 2026 | $463M | +8% | 9.8% |
| EZPW Ezcorp | Q3 FY26 | $419M | +35% | 13.1% |
| SPH Suburban Propane Partners LP | Q3 FY26 | $261M | +0.5% | 0.9% |
| REAL TheRealReal | Q3 2026 | $206M | +19% | 0.7% |
| TMS Teamshares | Q2 2026 | $149M | +20% | 2.0% |
| LIVE Live Ventures | Q3 FY26 | $109M | -3% | 4.9% |
| PLBY Playboy | Q3 2026 | $31.7M | +9% | 12.6% |
| WINA Winmark | Q3 2026 | $27.9M | +23% | 56.6% |
Source: FirstCash Holdings 10-Q on SEC EDGAR · CIK 840489 · Retail-Miscellaneous Retail
Guidance and outlook
13F: who owns FCFS and who is buying
More on FCFS
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results