FirstCash Holdings (FCFS) Company Report

FirstCash Holdings, Inc. reported strong financial results for the third quarter of 2025, with GAAP Net Income up 28% and Adjusted EPS up 35% compared to the prior year.
For the trailing twelve months ended September 30, 2025, the company achieved $3.5 billion in revenue, $368 million in Adjusted Net Income, and $654 million in Adjusted EBITDA.
The company completed the acquisition of H&T Group in August 2025, adding 286 pawn stores in the U.K. and anticipating $0.18 to $0.20 per share in EPS accretion for the fourth quarter of 2025.
FirstCash increased its Q3 2025 dividend to $0.42 per share, annualizing to $1.68 per share, and repurchased $90 million of shares year-to-date as of September 30, 2025.

Nov 5, 2025, 3:08 PM

8-K

FirstCash Holdings, Inc. Reports Record Third Quarter 2025 Results and Authorizes New Share Repurchase Plan

FCFS

Earnings

Share Buyback

M&A

FirstCash Holdings, Inc. reported record third quarter operating results for the period ended September 30, 2025, with revenue of $935.6 million and adjusted diluted earnings per share of $2.26.
Consolidated revenue for Q3 2025 increased 12% over the prior-year quarter, and adjusted diluted earnings per share increased 35%. The company experienced strong pawn demand, with local currency same-store pawn receivables up 13% in the U.S., 18% in Latin America, and 25% in the U.K..
The company completed the acquisition of H&T in the U.K. on August 14, 2025, adding 286 locations and bringing the total store count to 3,311 as of September 30, 2025.
The Board of Directors declared a quarterly cash dividend of $0.42 per share and authorized a new $150 million share repurchase plan, increasing the total available for repurchases to $175 million.
Consolidated assets exceeded $5 billion for the first time, reaching $5.2 billion at September 30, 2025, and the company raised full-year revenue growth expectations for the U.S. and Latin America segments.

Oct 30, 2025, 7:19 PM

8-K

FirstCash Holdings, Inc. Reports Strong Q2 2025 Results and Completes H&T Acquisition

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Earnings

M&A

Share Buyback

FirstCash Holdings, Inc. reported strong Q2 2025 financial results, with GAAP EPS up 24% and Adjusted EPS up 31% year-over-year, alongside a 19% increase in Adjusted EBITDA.
For the trailing twelve months ended June 30, 2025, the company achieved revenue of $3.4 billion, GAAP net income of $292 million, adjusted net income of $343 million, and adjusted EBITDA of $613 million.
The company completed the acquisition of H&T Group on August 14, 2025, for a total USD equity value of $383 million and assumed net debt of approximately $85 million. This acquisition is expected to add $0.20 to $0.25 per share in earnings accretion for the remainder of 2025.
FirstCash also increased its Q3 2025 dividend to $0.42 per share, annualizing to $1.68 per share, and repurchased $90 million of shares year-to-date as of August 15, 2025.

Aug 21, 2025, 12:00 AM

8-K

FirstCash Completes H&T Group Acquisition

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M&A

New Projects/Investments

Guidance Update

FirstCash Holdings, Inc. completed the acquisition of H&T Group plc on August 14, 2025, marking its entry into the European market and establishing it as the U.K.'s leading pawnbroker.
The acquisition expands FirstCash's global retail pawn locations to over 3,300 and is expected to result in annualized pro forma revenues approaching $4 billion.
The transaction had an equity value of £289 million (approximately $383 million) and assumed £64 million (approximately $85 million) in net debt, funded via FirstCash's existing revolving bank credit facility.
FirstCash anticipates the acquisition to be immediately accretive to earnings, projecting an earnings per share accretion of $0.20 to $0.25 per share for the remainder of 2025.

Aug 14, 2025, 12:00 AM

8-K

FirstCash Holdings, Inc. Reports Q2 2025 Financial Highlights and Business Updates

FCFS

Earnings

Dividends

M&A

FirstCash Holdings, Inc. reported strong Q2 2025 results, with GAAP EPS up 24% and Adjusted EPS up 31% compared to the prior year.
For the trailing twelve months ended June 30, 2025, the company achieved $3.4 billion in revenue, $343 million in Adjusted Net Income, and $613 million in Adjusted EBITDA.
The H&T Acquisition is on target to close in August.
The company increased its Q3 2025 dividend to $0.42 per share, annualizing to $1.68 per share, and has $55 million remaining for future share repurchases under the current authorization.
FirstCash Holdings, Inc. operates more than 3,000 pawn locations globally as of June 30, 2025, with pawn operations contributing 78% of segment contribution for the trailing twelve months.

Aug 11, 2025, 12:00 AM

8-K

FirstCash Holdings, Inc. Receives Regulatory Approval for H&T Acquisition

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M&A

Takeover Bid

FirstCash Holdings, Inc.'s indirect wholly-owned subsidiary, Chess Bidco Limited, is acquiring H&T Group plc through a recommended final cash acquisition.
On July 30, 2025, the UK Financial Conduct Authority (FCA) gave its requisite approval for the acquisition.
The acquisition is now expected to be consummated and become effective on August 14, 2025, following the Court Sanction Hearing scheduled for August 12, 2025.
The financial terms of the acquisition are final and will not be increased or improved, except under specific circumstances.

Jul 30, 2025, 12:00 AM

8-K

FirstCash Holdings announces settlement of CFPB litigation

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Legal Proceedings

New Projects/Investments

FirstCash Holdings, Inc. reached a settlement with the Consumer Financial Protection Bureau (CFPB) on July 11, 2025, regarding alleged violations of the Military Lending Act.
As part of the settlement, FirstCash will pay consumer redress estimated between $5 million and $7 million and a $4 million fine to the CFPB victims relief fund.
The company will also offer a new pawn lending product for covered members of the U.S. military and their immediate families and dependents.
The settlement was approved by the court.
The financial impact of the settlement will be reflected in the company's GAAP financial results for the second quarter of 2025.

Jul 14, 2025, 12:00 AM

8-K

FirstCash Announces CFPB Settlement

FCFS

Legal Proceedings

FirstCash Holdings, Inc. (FCFS) announced on July 11, 2025, a settlement with the Consumer Financial Protection Bureau (CFPB) regarding alleged violations of the Military Lending Act.
As part of the settlement, FirstCash will offer a new pawn lending product for covered U.S. military members and their families.
The company will pay an estimated $5 million to $7 million in consumer redress and a $4 million fine to the CFPB victims relief fund.
The financial impact of this settlement will be reflected in the company's second quarter 2025 GAAP financial results.

Jul 11, 2025, 10:12 PM

Press Release

FirstCash Holdings Q1 2025 Investor Presentation Overview

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Earnings

M&A

Dividends

Business Operations: The presentation highlights FirstCash’s leadership in pawn store operations across the U.S. and Latin America with over 3,000 stores and expanding retail POS payment solutions.
Financial Performance: It details strong Q1 2025 performance with $3.4 billion in revenue (TTM), robust net income, and significant adjusted EBITDA, along with active share repurchase and dividend initiatives.
Strategic Outlook: The document includes forward-looking statements outlining growth strategies through new store openings and acquisitions while noting potential regulatory and market risks.

Apr 29, 2025, 12:00 AM

8-K

FirstCash Reports Record Q1 2025 Results

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Earnings

Dividends

Share Buyback

Record earnings performance: GAAP diluted EPS increased 39% and GAAP net income rose 36% over the prior-year quarter, with adjusted EPS up 34% and adjusted net income up 32%, underpinned by robust same-store growth in pawn receivables and strong performance in both the U.S. and Latin America.
Strong cash flows and shareholder returns: Operating cash flows supported the addition of new pawn locations, a $60M share repurchase, and the declaration of a $0.38 quarterly dividend per share.
Expansion initiatives: The Company added 12 pawn stores through acquisitions and new openings in multiple countries, bolstering its network and positioning for future growth.

Apr 24, 2025, 12:00 AM

8-K

Earnings Transcripts

Quarterly earnings call transcripts for FirstCash Holdings.