Meridian™
Universe

FCFS · CIK 0000840489 · FY2025 live · 2025-12-31

FirstCash Holdings, Inc.

SafeSEC 10-KZ″Consumer76th percentile in Consumer · 430 names

View as

Model

Z″

FY2025

3.61

Zone

Safe

Prior

—

Market DD

—

1y PD

—

3.61

Classic Z 1.54

−21.12.68+

Z″ 3.61 · distress below 1.10, grey to 2.60, safe above.

Z″ factor contributions

  • X1 Working capital / assets

    Short-term liquidity. Carries more weight in Z″ than in classic Z.

    0.27
    6.56 × = 1.79

  • X2 Retained earnings / assets

    Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.

    0.32
    3.26 × = 1.03

  • X3 EBIT / assets

    Operating return on assets. Highest weight in Z″.

    0.00
    6.72 × = 0.00

  • X4 Book equity / liabilities

    Book equity versus the liability stack. Sales / assets is omitted so asset-light names keep turnover from dragging the score.

    0.75
    1.05 × = 0.79

Five-year path

Need two annual 10-Ks to draw a path. The desk will pull this issuer’s filings.

Meridian Rank

74.27

0–100 · Z″ family

  • Book standing

    77

  • Year change

    —

  • Market PD

    —

  • O-score

    67

Events on this name

Same published rows as Today.

  • Approaching grey

    watch · 41

    • Live score: — → 3.61
    • Cut: — → 1.10

Overview

rule-v1

FirstCash Holdings, Inc. is on Z″ at 3.61 (safe) for FY2025, from an SEC 10-K. Working capital / assets is the line that sets the print; retained earnings / assets is the runner-up. This is the first live year on the desk. No market tape loaded. Z″ omits sales/assets so asset-light names keep turnover from dragging the score. X4 is book equity on every name.

Book screen Safe; market PD —. Market PD has not been priced on this name.

Market DD · naive Merton

No market tape yet.

Pull a year of closes (Yahoo, Nasdaq if Yahoo is limited) and size equity from Nasdaq cap or EDGAR shares. Distance-to-default and 1-year PD stay blank until then.

Sector peers

Closest Z″ scores · 76th percentile in Consumer.

Filing line items

Current assets

$1.9B

Total assets

$5.3B

Current liabilities

$408M

Total liabilities

$3.0B

Working capital

$1.4B

Retained earnings

$1.7B

EBIT

$0

Total sales

$1.7B

Book equity

$2.3B

Accession 0000840489-26-000032. Live rank is the latest 10-K on EDGAR (FY2025, period 2025-12-31). Z″ is the live score. View as is a display overlay. X4 is book equity. Pulled 13 Sept 2026.