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FirstCash Holdings cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$142M in Q3 2026 · $679M over twelve months

Operating cash flow$142M
Free cash flow+$142M
Cash / net income1.4×

Analysis

In Q3 2026, FirstCash Holdings generated $142M of operating cash flow. That is $6.2M more than in Q3 2025 ($136M).

Over the twelve months to Sep 30, 2026, operating cash flow was $679M; the largest uses were other investing ($472M), buybacks ($277M), other financing ($77.0M); besides operations, cash came from net borrowing (+) / repaid (−) ($300M); the cash balance rose by $72.9M.

Operating cash flow was $142M against net income of $101M — 1.4× profit, cash ran ahead of reported earnings. The largest differences: inventory −$51.2M, payables +$15.2M, income taxes payable +$8.5M.

Free cash flow

FirstCash Holdings: free cash flow by quarterFirstCash Holdings: free cash flow by quarter$198MQ4 2024$127MQ1 2025$117MQ2 2025$136MQ3 2025$207MQ4 2025$154MQ1 2026$177MQ2 2026$142MQ3 2026
Operating cash flow less capital spending.
FirstCash Holdings: operating cash flow against capital spendingFirstCash Holdings: operating cash flow against capital spendingOperating cash flowCapital spending$198M$0Q4 2024$127M$0Q1 2025$117M$0Q2 2025$136M$0Q3 2025$207M$0Q4 2025$154M$0Q1 2026$177M$0Q2 2026$142M$0Q3 2026
Latest (Q3 2026): Operating cash flow $142M, Capital spending $0.

Capital allocation, year by year

FirstCash Holdings: where the cash came from (up) and went (down), by fiscal yearFirstCash Holdings: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $223MFY2021: Net borrowing $686MFY2021: Shares issued $380KFY2021: Capital spending −$42.0MFY2021: Acquisitions −$462MFY2021: Buybacks −$49.6MFY2021: Dividends −$47.5M$910MFY2021FY2022: Operating cash flow $469MFY2022: Net borrowing $80.0MFY2022: Capital spending −$35.6MFY2022: Acquisitions −$25.0MFY2022: Buybacks −$158MFY2022: Dividends −$59.6M$549MFY2022FY2023: Operating cash flow $416MFY2023: Net borrowing $230MFY2023: Capital spending −$60.1MFY2023: Buybacks −$114MFY2023: Dividends −$61.9M$646MFY2023FY2024: Operating cash flow $540MFY2024: Net borrowing $130MFY2024: Capital spending −$68.2MFY2024: Buybacks −$85.0MFY2024: Dividends −$65.8M$670MFY2024FY2025: Operating cash flow $586MFY2025: Net borrowing $369MFY2025: Capital spending −$54.9MFY2025: Buybacks −$116MFY2025: Dividends −$70.9M$955MFY2025
Over these 5 years operating cash flow totalled $2.2B; the largest uses were buybacks ($523M) and acquisitions ($487M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$203M
Debt$2.4B
Net debt$2.2B

FirstCash Holdings funds itself: free cash flow was $679M over the last twelve months, and $203M of cash and investments stands against $2.4B of debt.

FirstCash Holdings: debt maturities by year (FY2025)FirstCash Holdings: debt maturities by year (FY2025)$81.4MYear 2$500MYear 3$572MYear 4$550MYear 5$520MAfter year 5
Principal due in each year as disclosed in the annual report, against $203M of cash and investments now.

Where the cash came from and went

FirstCash Holdings: sources (+) and uses (−) of cash, Q3 2026FirstCash Holdings: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$142MBuybacks−$134MNet borrowing (+) / repaid (−)$100MOther investing−$54.5MCash drawn (+) / kept (−)−$30.9MDividends−$18.2MOther financing−$3.4MExchange rates−$723K
FirstCash Holdings: sources (+) and uses (−) of cash, TTM to Q3 2026FirstCash Holdings: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$679MOther investing−$472MNet borrowing (+) / repaid (−)$300MBuybacks−$277MOther financing−$77.0MDividends−$73.5MCash drawn (+) / kept (−)−$72.9MTaxes on employees’ shares−$11.2MExchange rates$4.3M

From profit to cash

FirstCash Holdings: net income to operating cash flow, Q3 2026FirstCash Holdings: net income to operating cash flow, Q3 2026Net income$101MStock-based pay$5.4MDeferred taxes−$491KReceivables−$1.9MInventory−$51.2MPayables$15.2MPrepaid and other assets−$1.6MIncome taxes payable$8.5MOperating cash flow$142M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$142M−$134M−$18.2M$100M−$30.9M$142M
Q2 2026$177M−$66.9M−$18.4M−$593M−$41.6M$177M
Q1 2026$154M−$50.0M−$18.5M$48.1M−$5.5M$154M
Q4 2025$207M−$25.4M−$18.4M−$5.4M$5.0M$207M
Q3 2025$136M−$30.0M−$18.6M$420M−$28.8M$136M
Q2 2025$117M−$850K−$16.9M−$23.0M$44.6M$117M
Q1 2025$127M−$59.6M−$16.9M−$23.0M$29.1M$127M
Q4 2024$198M—−$17.0M−$2.0M−$68.8M$198M

FirstCash Holdings: income statement and cash flow

FirstCash Holdings, Q3 2026: revenue $1.1B (+18% year over year), operating margin 12.6%. The chart follows the revenue to costs, profit and cash.

FirstCash Holdings: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.