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as of 11-05-2026 3:35pm EST
FirstCash Holdings Inc is an operator of pawn stores in the U.S., Latin America and the U.K. The company's primary line of business is the operation of retail pawn stores, also known as pawnshops. It also operates a retail POS payment solutions business. Its two business lines are organized into four reportable segments: The U.S. pawn segment consists of pawn operations in some of U.S. states and the District of Columbia; The Latin America pawn segment consists of pawn operations in Mexico, Guatemala, El Salvador and Colombia; The U.K. pawn segment consists of pawn operations in England, Scotland and Wales; and The retail POS payment solutions segment consists of the operations of American First Finance, LLC, which offers products in the U.S.
| Founded: | 1988 | Country: | United States |
| Employees: | N/A | City: | FORT WORTH |
| Market Cap: | 8.3B | IPO Year: | 1996 |
| Target Price: | $247.50 | AVG Volume (30 days): | 604.2K |
| Analyst Decision: | Strong Buy | Number of Analysts: | 4 |
| Dividend Yield: | Dividend Payout Frequency: | annual | |
| EPS: | 6.89 | EPS Growth: | 29.49 |
| 52 Week Low/High: | $146.95 - $238.93 | Next Earning Date: | 10-22-2026 |
| Revenue: | $3,661,043,000 | Revenue Growth: | 8.04% |
| Revenue Growth (this year): | 19.14% | Revenue Growth (next year): | 6.92% |
| P/E Ratio: | 28.06 | Index: | |
| Free Cash Flow: | 531.0M | FCF Growth: | +14.74% |
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Stock Insider Trading Activity of FirstCash Holdings Inc. (FCFS)
Director
Avg Cost/Share
$221.20
Shares
3,750
Total Value
$829,500.00
Owned After
11,929
SEC Form 4
AFF President
Avg Cost/Share
$212.98
Shares
2,000
Total Value
$425,960.00
Owned After
30,406
SEC Form 4
EVP & Chief Financial Officer
Avg Cost/Share
$216.00
Shares
3,000
Total Value
$647,990.00
Owned After
95,789
President and COO
Avg Cost/Share
$214.63
Shares
5,348
Total Value
$1,147,841.24
Owned After
135,498
SEC Form 4
| Insider | Ticker | Relationship | Date | Transaction | Avg Cost | Shares | Total Value | Owned After | SEC Forms |
|---|---|---|---|---|---|---|---|---|---|
| GRAVES JAMES H | FCFS | Director | Sep 3, 2026 | Sell | $221.20 | 3,750 | $829,500.00 | 11,929 | |
| Hambleton Howard F | FCFS | AFF President | Aug 18, 2026 | Sell | $212.98 | 2,000 | $425,960.00 | 30,406 | |
| ORR R DOUGLAS | FCFS | EVP & Chief Financial Officer | Aug 17, 2026 | Sell | $216.00 | 3,000 | $647,990.00 | 95,789 | |
| Stuart Thomas Brent | FCFS | President and COO | Aug 17, 2026 | Sell | $214.63 | 5,348 | $1,147,841.24 | 135,498 |
Earnings Transcripts
SEC 8-K filings with transcript text
2026 Q3 Q3 2026 Earnings
8-K BUY Oct 22, 2026 · 100% conf.
Q3 2026 Earnings
8-K BUYOct 22, 2026 · 100% conf.
1D
+1.02%
$187.19
Act: -6.72%
5D
+2.17%
$189.32
20D
+4.03%
$192.76
EX-99
2 fcfs10222026exhibit991.htm
EX-99.1
Document
EXHIBIT 99.1
FirstCash Reports Record Third Quarter Operating Results;
Revenues and Earnings from Pawn Segments Grow 28%;
Declares 10% Increase in Quarterly Cash Dividend
Fort Worth, Texas (October 22, 2026) -- FirstCash Holdings, Inc. (“FirstCash” or the “Company”) (Nasdaq: FCFS), the leading international operator of more than 3,300 retail pawn stores, today announced record revenue and earnings results for the three and nine month periods ended September 30, 2026. The Company also announced that the Board of Directors declared a quarterly cash dividend of $0.46 per share, an increase of 10% over the previous quarterly dividend, which will be paid in November 2026. In addition, during the third quarter of 2026, the Company repurchased $123 million of common stock, bringing the total year-to-date share repurchases to $250 million.
Mr. Rick Wessel, chief executive officer, stated, “FirstCash delivered another outstanding quarter of operating results, with third quarter pawn revenue growth of 28%. Pawn demand remains exceptionally strong with a record $908 million in pawn receivables and all geographic segments posting double-digit increases in both same-store pawn receivables and pawn fees. Our merchandise sales channels were also robust, evidenced by continued strength in sales growth, margins and inventory turnover metrics.
“We are also pleased to announce that 14 pawn stores were added during the quarter, bringing year-to-date additions to a total of 42 locations across four countries. As we enter the fourth quarter, with the added stores, strong pawn books and appropriate inventory levels, we believe we are well-positioned to close out another record year of operating results.
“FirstCash has set new records for revenue and earnings in each quarter this year. For the trailing twelve months, revenues are now $4.3 billion, net income totals $406 million and adjusted EBITDA totals $835 million. The impressive earnings growth continues to drive increased operating cash flows as well, providing ample capacity for shareholder returns through stock repurchases and cash dividends. More importantly, we remain committed to expanding our industry-leading global footprint through accretive pawnshop acquisitions and new store openings in each geographic segment,” concluded Mr. Wessel.
This release contains adjusted financial measures, which exclude certain non-operating and/or non-cash income and expenses, that are non-GAAP financial measures. Please refer to the descriptions and reconciliations to GAAP of these and other non-GAAP financial measures at the end of this release.
Three Months Ended September 30,
As Reported (GAAP)Adjusted (Non-GAAP)
In thousands, except per share amounts2026202520262025
Revenue$1,101,167 $935,579 $1,101,167 $935,579
Net income$101,152 $82,807 $116,181 $100,633
Diluted earnings per share$2.33 $1.86 $2.68 $2.26
EBITDA (non-GAAP measure)$208,194 $172,821 $213,008 $180,554
Weighted-average diluted shares43,335 44,472 43,335 44,472
Nine Months Ended September 30,
As Reported (GAAP)Adjusted (Non-GAAP)
In thousands, except per share amounts2026202520262025
Revenue$3,227,506 $2,602,624 $3,227,506 $2,602,624
Net income$302,321 $226,203 $345,343 $273,032
Diluted earnings per share$6.89 $5.07 $7.87 $6.12
EBITDA (non-GAAP measure)$613,866 $468,535 $625,070 $488,563
Weighted-average diluted shares43,870 44,603 43,870 44,603
Consolidated Operating Highlights
•Diluted earnings per share for the third quarter increased 25% over the prior-year quarter on a GAAP basis while adjusted diluted earnings per share increased 19% compared to the prior-year quarter.
•Year-to-date diluted earnings per share increased 36% over the prior-year period on a GAAP basis and adjusted diluted earnings per share increased 29% compared to the prior-year period.
•Net income for the third quarter totaled $101 million, a 22% increase over the prior-year quarter on a GAAP basis, while adjusted net income increased 15% compared to the prior-year quarter.
•Year-to-date net income totaled $302 million, a 34% increase over the prior-year period on a GAAP basis, while adjusted net income increased 26% compared to the prior-year period.
•Adjusted EBITDA (a non-GAAP measure) for the third quarter was $213 million, an 18% increase over the prior-year quarter. On a year-to-date basis, adjusted EBITDA increased 28% compared to the prior-year period.
•Consolidated revenue totaled $1.1 billion for the quarter and $3.2 billion year-to-date. Total revenue for the third quarter increased 18% over the prior-year quarter and net revenue (gross profit) increased 15% compared to the prior-year quarter. Year-to-date, both revenue and net revenue increased 24% over the prior-year period.
•Revenues and segment income from the Company’s pawn segments both increased 28% in the third quarter over last year
2026 Q2 Q2 2026 Earnings
8-K BUY Jul 23, 2026 · 100% conf.
Q2 2026 Earnings
8-K BUYJul 23, 2026 · 100% conf.
1D
+1.18%
$199.74
Act: -1.19%
5D
+2.18%
$201.71
20D
+3.99%
$205.29
EX-99.1
2 fcfs07232026exhibit991.htm
EX-99.1
Document
EXHIBIT 99.1
FirstCash Reports Record Second Quarter Operating Results;
Pawn Demand Drives 58% Increase in GAAP EPS and 40% Increase in Adjusted EPS;
Declares Quarterly Cash Dividend and Authorizes New $150 Million Share Repurchase Plan
Fort Worth, Texas (July 23, 2026) -- FirstCash Holdings, Inc. (“FirstCash” or the “Company”) (Nasdaq: FCFS), the leading international operator of more than 3,300 retail pawn stores, today announced record revenue and earnings results for the three and six month periods ended June 30, 2026. The Company also announced that the Board of Directors declared a quarterly cash dividend of $0.42 per share, which will be paid in August 2026. In addition, the Company has completed its previous $150 million share repurchase plan and the Board of Directors authorized a new $150 million share repurchase plan.
Mr. Rick Wessel, chief executive officer, stated, “FirstCash achieved record second quarter and year-to-date results, with revenue increases of 29% for the quarter and 28% year-to-date, driving exceptional growth in net income, EBITDA and earnings per share. Pawn demand remains extremely robust, with consolidated pawn receivables up 63% in total and 22% on a same-store basis over the prior year. We are again raising consolidated full year pawn revenue guidance given our second quarter results and continuing demand for pawn products and our deep-value retail sales model.
“The Company expects to complete its previously announced acquisition of Ramsdens Holdings plc (“Ramsdens”) by the end of 2026, subject to the approval of Ramsdens’ shareholders, receipt of the required anti-trust and regulatory approvals and satisfaction of other closing conditions. Ramsdens is a leading operator of pawn stores in the U.K. with 174 locations that will expand FirstCash’s geographic footprint in the U.K. to more than 450 locations. We also expect to see additional 2026 store expansion opportunities across each of our major geographic markets through acquisitions and new store openings.
“Additionally, during the second quarter, FirstCash successfully completed a $750 million bond offering and used the proceeds to pay down a significant portion of the revolving credit facility and to provide additional long-term funding capacity for further expansion of pawn operations and shareholder returns,” concluded Mr. Wessel.
This release contains adjusted financial measures, which exclude certain non-operating and/or non-cash income and expenses, that are non-GAAP financial measures. Please refer to the descriptions and reconciliations to GAAP of these and other non-GAAP financial measures at the end of this release.
Three Months Ended June 30,
As Reported (GAAP)Adjusted (Non-GAAP)
In thousands, except per share amounts2026202520262025
Revenue$1,074,688 $830,622 $1,074,688 $830,622
Net income$93,467 $59,805 $110,114 $79,620
Diluted earnings per share$2.12 $1.34 $2.50 $1.79
EBITDA (non-GAAP measure)$194,727 $132,753 $201,431 $145,129
Weighted-average diluted shares44,036 44,552 44,036 44,552
Six Months Ended June 30,
As Reported (GAAP)Adjusted (Non-GAAP)
In thousands, except per share amounts2026202520262025
Revenue$2,126,339 $1,667,045 $2,126,339 $1,667,045
Net income$201,169 $143,396 $229,162 $172,399
Diluted earnings per share$4.56 $3.21 $5.19 $3.86
EBITDA (non-GAAP measure)$405,672 $295,714 $412,062 $308,009
Weighted-average diluted shares44,142 44,670 44,142 44,670
Consolidated Operating Highlights
•Diluted earnings per share for the second quarter increased 58% over the prior-year quarter on a GAAP basis while adjusted diluted earnings per share increased 40% compared to the prior-year quarter.
•Year-to-date diluted earnings per share increased 42% over the prior-year period on a GAAP basis and adjusted diluted earnings per share increased 34% compared to the prior-year period.
•Net income for the second quarter totaled $93 million, a 56% increase over the prior-year quarter on a GAAP basis, while adjusted net income increased 38% compared to the prior-year quarter.
•Year-to-date net income totaled $201 million, a 40% increase over the prior-year period on a GAAP basis, while adjusted net income increased 33% compared to the prior-year period.
•Adjusted EBITDA for the second quarter was $201 million, a 39% increase over the prior-year quarter. On a year-to-date basis, adjusted EBITDA increased 34% compared to the prior-year period.
•Consolidated revenue totaled $1.1 billion for the quarter and $2.1 billion year-to-date. Both total revenue and net revenue (gross profit) for the second quarter increased 29% over the prior-year quarter. Year-to-date revenue increased 28% over the prior-year period and net revenue increased 29% compared to the prior-year period.
•Combined revenues from the Company’s pawn segments increased 44% in the second quarter over last year,
2026 Q1 Q1 2026 Earnings
8-K BUY Apr 23, 2026 · 100% conf.
Q1 2026 Earnings
8-K BUYApr 23, 2026 · 100% conf.
1D
+1.03%
$214.52
Act: +2.52%
5D
+2.11%
$216.81
Act: +2.77%
20D
+3.71%
$220.20
Act: +6.57%
EX-99.1
2 fcfs04232026exhibit991.htm
EX-99.1
Document
EXHIBIT 99.1
FirstCash Reports Record First Quarter Operating Results;
Revenues Increase 26%, Driving 30% Growth in Earnings per Share;
Pawn Receivable Growth Accelerates; Revenue Guidance Increased for 2026
Fort Worth, Texas (April 23, 2026) -- FirstCash Holdings, Inc. (“FirstCash” or the “Company”) (Nasdaq: FCFS), the leading international operator of more than 3,300 retail pawn stores, today announced record revenue and earnings results for the three month period ended March 31, 2026. The Company also announced that the Board of Directors declared a quarterly cash dividend of $0.42 per share, which will be paid in May 2026.
Mr. Rick Wessel, chief executive officer, stated, “FirstCash is pleased to report its first quarter results highlighted by record revenue, net income and earnings per share. Consolidated revenues again exceeded $1 billion for the quarter, representing an increase of 26% over the first quarter of last year. Resulting net income and adjusted EBITDA both increased 29%, while fully diluted earnings per share increased an impressive 30%.
“Our tremendous first quarter results were driven by exceptionally strong performances in each of the three pawn segments. Pawn revenues in the U.S. were up 16% while Latin America was up 40% on a U.S. dollar basis and 23% in local currency. The recently acquired U.K. operations contributed meaningfully to the overall revenue and earnings results with an outstanding quarter as well. The earnings contribution margin in each pawn segment further improved, driven by pawn fee growth coupled with strong merchandise sales and margins.
“Most notably, same-store pawn receivables at the end of the first quarter increased an unprecedented 19% in the U.S., 30% in Latin America and 29% in the U.K. (all on a local currency basis), representing further acceleration in pawn demand since the start of the year. These trends point to significant further revenue momentum as we begin the second quarter, and accordingly, we are raising full year 2026 revenue guidance for each of our pawn segments.
“FirstCash’s store opening and acquisition activity remains strong with 340 locations added over the last twelve months, including eight pawn locations added in the first quarter. There continues to be a solid pipeline of opportunities across all markets for further expansion in 2026.
“Additionally, the strong first quarter operating results generated significant operating cash flows which we utilized to further invest in the business while also reducing our leverage ratio, repurchasing stock and paying the quarterly cash dividend,” concluded Mr. Wessel.
This release contains adjusted financial measures, which exclude certain non-operating and/or non-cash income and expenses, that are non-GAAP financial measures. Please refer to the descriptions and reconciliations to GAAP of these and other non-GAAP financial measures at the end of this release.
Three Months Ended March 31,
As Reported (GAAP)Adjusted (Non-GAAP)
In thousands, except per share amounts2026202520262025
Revenue$1,051,651 $836,423 $1,051,651 $836,423
Net income$107,702 $83,591 $119,048 $92,781
Diluted earnings per share$2.43 $1.87 $2.69 $2.07
EBITDA (non-GAAP measure)$210,945 $162,961 $210,631 $162,880
Weighted-average diluted shares44,248 44,789 44,248 44,789
Consolidated Operating Highlights
•Diluted earnings per share for the first quarter increased 30% on both a GAAP basis and on an adjusted basis compared to the prior-year quarter.
•Net income for the first quarter totaled $108 million, a 29% increase over the prior-year quarter on a GAAP basis, while adjusted net income increased 28% compared to the prior-year quarter.
•Adjusted EBITDA for the first quarter increased 29% to $211 million compared to the prior-year quarter.
•Consolidated revenue for the first quarter increased 26% over the prior-year quarter while net revenues (gross profit) increased 28% compared to the prior-year quarter.
•Combined revenues from the Company’s pawn segments increased 40% in the first quarter over last year, while the total pawn segment income increased 60% over the same period.
•Consolidated assets at March 31, 2026 totaled a record $5.4 billion, including record pawn receivables of $851 million. This compares to assets of $4.4 billion and pawn receivables of $500 million a year ago.
•For the trailing twelve month period ended March 31, 2026 the Company reported:
◦Revenues of $3.9 billion
◦Net income of $354 million on a GAAP basis and adjusted net income of $416 million
◦Adjusted EBITDA of $746 million
◦Operating cash flows of $613 million and adjusted free cash flows (a non-GAAP measure) of $267 million
Pawn Store Locations and Merchant Partner Growth
•During the first quarter, the Company added eight pawn locations, including four de novo stores in Latin America, three de novo stores
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The information presented on this page, "FCFS FirstCash Holdings Inc. - Stocks Price | History | Analysis", including historical data, forecasts, news, insider information, and predictions, is provided for educational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any securities. Decisions regarding investments should be made only after careful consideration and consultation with a qualified financial advisor. We do not endorse or guarantee the accuracy or reliability of the information provided, and we disclaim any liability for financial losses incurred as a result of decisions made based on the information presented.