Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the interest coverage ratio high or low?
The interest coverage ratio of 4.64x is in line with its 5-year average of 4.32x, around the middle of its 5-year range (3.42x–6.66x).
0.28% below its 12-month average of 4.65x.
Reported quarterly interest coverage; no daily interpolation. Q2 FY2026 (2026-06-30): 4.67x.
INTEREST COVERAGE RATIO
4.64x
INTEREST COVERAGE RATIO AVG TTM
4.65x
INTEREST COVERAGE RATIO AVG 3Y
4.45x
INTEREST COVERAGE RATIO AVG 5Y
4.32x
INTEREST COVERAGE RATIO AVG 10Y
6.14x
INTEREST COVERAGE RATIO AVG 15Y
6.29x
INTEREST COVERAGE RATIO AVG 20Y
12.86x
CURRENT VS TTM AVG
-0.28%
CURRENT VS 3Y AVG
+4.16%
CURRENT VS 5Y AVG
+7.50%
CURRENT VS 10Y AVG
-24.39%
CURRENT VS 15Y AVG
-26.22%
CURRENT VS 20Y AVG
-63.92%
SECTOR MEDIAN · FINANCIAL SERVICES
2.70x
median of 42 covered companies
CURRENT VS SECTOR MEDIAN
+71.85%
vs the sector median at left
FirstCash Holdings, Inc
Market Cap
$9.24B
Interest Coverage Ratio
4.64x
TTM Avg
4.65x
3Y Avg
4.45x
5Y Avg
4.32x
Market Cap
$9.17B
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$9.52B
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$9.59B
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$8.87B
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$9.67B
Interest Coverage Ratio
-12.80x
TTM Avg
11.97x
3Y Avg
11.69x
5Y Avg
24.88x
Market Cap
$9.73B
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$9.78B
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$9.88B
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | INTEREST COVERAGE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| FirstCash Holdings, Inc (FCFS) | $9.24B | 4.64x | 4.65x | 4.45x | 4.32x |
| Zions Bancorporation, National Association (ZION)vs › | $9.17B | N/A | N/A | N/A | N/A |
| Old National Bancorp (ONB)vs › | $9.52B | N/A | N/A | N/A | N/A |
| Fidelity High Dividend ETF (FDVV)vs › | $9.59B | N/A | N/A | N/A | N/A |
| Voya Financial, Inc. (VOYA)vs › | $8.87B | N/A | N/A | N/A | N/A |
| FactSet Research Systems Inc. (FDS)vs › | $9.67B | -12.80x | 11.97x | 11.69x | 24.88x |
| Zions Bancorporation, National Association (ZIONP)vs › | $9.73B | N/A | N/A | N/A | N/A |
| Wintrust Financial Corporation (WTFC)vs › | $9.78B | N/A | N/A | N/A | N/A |
| UMB Financial Corporation (UMBF)vs › | $9.88B | N/A | N/A | N/A | N/A |
| Oxford Lane Capital Corp. 7.95% Notes due 2032 (OXLCG)vs › | $8.37B | N/A | N/A | N/A | N/A |
Interest Coverage
4.6x
Debt/Equity
1.16
Current Ratio
4.89
Formula: Interest Coverage = EBIT / Interest Expense
Reference ranges:
Note: Interest coverage should be compared with historical interest expense, operating income, and industry capital structure.
Interest Coverage = EBIT / Interest Expense
The interest coverage ratio measures operating earnings relative to interest expense.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | INTEREST COVERAGE RATIO |
|---|---|
| 2026-06-30 | 4.67x |
| 2026-03-31 | 5.09x |
| 2025-12-31 | 4.88x |
| 2025-09-30 | 4.63x |
| 2025-06-30 | 3.99x |
| 2025-03-31 | 4.94x |
| 2024-12-31 | 5.04x |
| 2024-09-30 | 4.11x |
| 2024-06-30 | 3.77x |
| 2024-03-31 | 4.16x |
| 2023-12-31 | 4.56x |
| 2023-09-30 | 4.24x |
| 2023-06-30 | 3.83x |
| 2023-03-31 | 3.97x |
| 2022-12-31 | 4.82x |
| 2022-09-30 | 4.09x |
| 2022-06-30 | 3.53x |
| 2022-03-31 | 3.42x |
| 2021-12-31 | 4.27x |
| 2021-09-30 | 6.66x |
| 2021-06-30 | 6.50x |
| 2021-03-31 | 7.56x |
| 2020-12-31 | 7.37x |
| 2020-09-30 | 5.47x |
| 2020-06-30 | 6.21x |
| 2020-03-31 | 7.39x |
| 2019-12-31 | 9.52x |
| 2019-09-30 | 6.71x |
| 2019-06-30 | 6.29x |
| 2019-03-31 | 8.00x |
| 2018-12-31 | 8.67x |
| 2018-09-30 | 6.96x |
| 2018-06-30 | 7.61x |
| 2018-03-31 | 9.91x |
| 2017-12-31 | 11.06x |
| 2017-09-30 | 7.87x |
| 2017-06-30 | 7.58x |
| 2017-03-31 | 9.60x |
| 2016-12-31 | 9.86x |
| 2016-09-30 | 6.90x |
| 2016-06-30 | 5.88x |
| 2016-03-31 | 5.44x |
| 2015-12-31 | 7.18x |
| 2015-09-30 | 6.48x |
| 2015-06-30 | 5.88x |
| 2015-03-31 | 6.98x |
| 2014-12-31 | 9.86x |
| 2014-09-30 | 7.82x |
| 2014-06-30 | 6.92x |
| 2014-03-31 | 21.14x |
| 2013-12-31 | 35.97x |
| 2013-09-30 | 27.19x |
| 2013-06-30 | 38.45x |
| 2013-03-31 | 44.14x |
| 2012-12-31 | 52.81x |
| 2012-09-30 | 68.52x |
| 2012-06-30 | 142.49x |
| 2012-03-31 | 348.22x |
| 2011-12-31 | 1074.67x |
| 2011-09-30 | 722.38x |
| 2011-06-30 | 585.75x |
| 2011-03-31 | 942.12x |
| 2010-12-31 | 655.32x |
| 2010-09-30 | 276.91x |
| 2010-06-30 | 121.72x |
| 2010-03-31 | 115.60x |
| 2009-12-31 | 122.67x |
| 2009-09-30 | 93.13x |
| 2009-06-30 | 76.42x |
| 2009-03-31 | 62.51x |
| 2006-12-31 | 23.51x |
| 2006-09-30 | 161.19x |
| 2004-09-30 | 1178.57x |
| 2003-12-31 | 26.58x |
| 2002-12-31 | 238.74x |
| 2002-09-30 | 53.31x |
