Q2 2025 Earnings Summary
Metric | YoY Change | Reason |
---|---|---|
Total Revenue | –0.05% | Total revenue remained essentially flat since the 8.7% growth in U.S. Pawn revenue was offset by a 14.1% decline in Retail POS Payment Solutions along with only a modest 1.0% increase in Latin America Pawn revenue, reflecting a shift in revenue composition compared to previous periods. |
U.S. Pawn Revenue | +8.7% | U.S. Pawn revenue increased from $376.74 million to $409.61 million, driven by sustained growth in pawn loan fees and retail merchandise sales; this builds on earlier period trends of expanding store networks and same-store improvements observed in prior quarters. |
Latin America Pawn Revenue | +1.0% | The modest growth from $203.98 million to $205.91 million indicates that operational improvements and higher pawn loan fees were largely counterbalanced by adverse currency exchange effects, a dynamic consistent with past period observations. |
Retail POS Payment Solutions | –14.1% | The segment dropped from $251.37 million to $215.86 million primarily due to a steep 28.1% decline in Leased Merchandise Income (falling from $194.57 million to $139.78 million) as a result of reduced balances influenced by the bankruptcy of major retail partners, partially offset by a 34% increase in Interest and Fees on Finance Receivables. |
Research analysts covering FirstCash Holdings.