FirstCash Holdings, Inc. (FCFS) [Rocket]

In millions, except per share items	Dec-31-21	Dec-31-20	Dec-31-19	Dec-31-18	Dec-31-17	Dec-31-16	Dec-31-15	Dec-31-14
	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K
Revenues:
United States	1,106.6	1,078.1	1,193.5	1,224.1	1,292.5	671.5	336.8	324.6
Latin America	592.3	553.1	670.9	556.7	487.3	416.9	367.8	388.3
Total revenues [+]	1,699.0	1,631.3	1,864.4	1,780.9	1,779.8	1,088.4	704.6	712.9
Products							449.3	428.2
Net interest income	9.0	2.0	20.2
Revenue growth [+]	4.1%	-12.5%	4.7%	0.1%	63.5%	54.5%	-1.2%	7.9%
United States	2.6%	-9.7%	-2.5%	-5.3%	92.5%	99.4%	3.8%	9.0%
Latin America	7.1%	-17.6%	20.5%	14.2%	16.9%	13.4%	-5.3%	7.0%
Unit growth			8.3%
Cost of goods sold	779.8	720.1	846.1	814.1	832.3	483.6	313.4	312.0
Gross profit	919.2	911.1	1,018.3	966.8	947.5	604.8	391.2	400.9
Gross margin	54.1%	55.9%	54.6%	54.3%	53.2%	55.6%	55.5%	56.2%
Selling, general and administrative [+]	111.3	110.9	122.3	120.0	122.5	96.5	51.9	53.6
General and administrative	111.3	110.9	122.3	120.0	122.5	96.5	51.9	53.6
Other operating expenses	563.4	597.5	597.3	571.0	589.5	363.7	210.4	200.0
EBITDA [+]	244.5	202.8	298.7	275.8	235.6	144.5	128.9	147.3
EBITDA growth	20.6%	-32.1%	8.3%	17.1%	63.0%	12.2%	-12.5%	6.2%
EBITDA margin	14.4%	12.4%	16.0%	15.5%	13.2%	13.3%	18.3%	20.7%
Depreciation and amortization	45.9	42.1	41.9	43.0	55.2	31.9	17.9	17.5
EBIT [+]	198.6	160.7	256.8	232.8	180.3	112.7	110.9	129.8
EBIT growth	23.6%	-37.4%	10.3%	29.1%	60.0%	1.6%	-14.6%	5.2%
EBIT margin	11.7%	9.8%	13.8%	13.1%	10.1%	10.4%	15.7%	18.2%
Non-recurring items [+]							7.9
Asset impairment							7.9
Interest expense, net [+]	31.7	27.8	33.0	26.7	22.4	19.6	15.3	12.8
Interest expense	32.4	29.3	34.0	29.2	24.0	20.3	16.9	13.5
Interest income	0.7	1.5	1.1	2.4	1.6	0.8	1.6	0.7
Other income (expense), net [+]	-0.4	10.9	0.8	-0.8	14.4	0.3
Asset impairment charges	0.9	10.5
Realized gain (loss) on investments						-1.3
Gain (loss) on debt retirement		-11.7			-14.1
Gain (loss) on foreign currency transactions	0.4	0.9	-0.8	0.8	-0.3	1.0
Change in value of contingent liability	-17.9
Other depreciation and amortization								17.5
Pre-tax income	166.5	143.7	224.6	205.3	172.3	93.4	87.7	117.0
Income taxes	41.6	37.1	60.0	52.1	28.4	33.3	27.0	31.5
Tax rate	25.0%	25.8%	26.7%	25.4%	16.5%	35.7%	30.8%	27.0%
Earnings from continuing ops	124.9	106.6	164.6	153.2	143.9	60.1	60.7	85.7
Earnings from discontinued ops								-0.3
Net income	124.9	106.6	164.6	153.2	143.9	60.1	60.7	85.4
Net margin	7.4%	6.5%	8.8%	8.6%	8.1%	5.5%	8.6%	12.0%

Basic EPS [+]	$3.05	$2.57	$3.83	$3.42	$3.01	$1.72	$2.16	$2.99
Growth	18.7%	-32.9%	11.8%	13.8%	75.0%	-20.4%	-27.8%	2.1%
Diluted EPS [+]	$3.04	$2.56	$3.81	$3.41	$3.00	$1.72	$2.14	$2.95
Growth	18.8%	-32.8%	11.6%	13.6%	74.9%	-19.9%	-27.3%	2.4%

Dividends per share [+]	$1.17	$1.08	$1.02	$0.91	$0.77	$0.57
Growth	8.3%	5.9%	12.1%	18.2%	36.3%

Shares outstanding (basic) [+]	41.0	41.5	43.0	44.8	47.9	35.0	28.1	28.7
Growth	-1.3%	-3.5%	-3.9%	-6.4%	36.7%	24.4%	-1.9%	-1.4%
Shares outstanding (diluted) [+]	41.0	41.6	43.2	44.9	47.9	35.0	28.3	29.1
Growth	-1.4%	-3.7%	-3.7%	-6.3%	36.8%	23.6%	-2.6%	-1.7%

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.