FirstCash Holdings, Inc.

Listed Company

FCFSCIK 0000840489NasdaqLarge AcceleratedRetail-Miscellaneous RetailTexasFY ends Dec 31

Period

FY 2025

Revenue

$3.66B

Net Income

$330.38M

Total Assets

$5.30B

Equity

$2.28B

Shares Out

43.84M

Op. Cash Flow

$585.94M

FCFS$221.85+62.14% · past yearDBEQ Basic

Daily closing prices

Business

FirstCash Holdings, Inc. is a leading operator of pawn stores in the U.S., Latin America, and the U.K., with multiple locations serving unbanked and underbanked customers. The company generates revenue from pawn lending, merchandise sales from forfeited collateral, and retail point-of-sale payment solutions through American First Finance, LLC, which offers lease-to-own and installment financing products. FirstCash operates four reportable segments: U.S. pawn, Latin America pawn, U.K. pawn, and retail POS payment solutions, serving customers through neighborhood-based retail locations and digital platforms.

Summary from 10-K filed 2026-02-09

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Retail merchandise sales	1,668	1,507	1,381	1,261	1,134
Pawn loan fees	854	737	659	561	476
Leased merchandise income	559	766	753	622	23
Interest and fees on finance receivables	311	246	234	181	9
Wholesale scrap jewelry sales	263	132	125	103	57
Other revenue	6	0	0	—	—
Total revenue	3,661	3,389	3,152	2,729	1,699
Cost of retail merchandise sold	1,008	910	832	765	663
Depreciation of leased merchandise	319	433	411	353	13
Provision for lease losses	120	163	176	140	5
Financing Receivable, Credit Loss, Expense (Reversal)	163	144	123	119	49
Cost of wholesale scrap jewelry sold	209	109	102	88	49
Other cost of revenue	1	0	0	—	—
Total cost of revenue	1,820	1,759	1,645	1,464	780
Net revenue	1,841	1,630	1,507	1,265	919
Operating expenses	934	901	832	729	565
Administrative expenses	233	178	182	148	111
Depreciation and amortization	112	105	109	104	46
Interest expense	121	105	93	71	—
Interest income	−3	−2	−1	−1	−696,000
(Gain) loss on foreign exchange	−2	3	−2	−585,000	436,000
Merger and acquisition expenses	14	2	8	4	15
Other Nonoperating Income (Expense)	−16	−5	−7	−3	949,000
Total expenses and other income	1,393	1,287	1,214	941	753
Income before income taxes	448	343	293	324	167
Effective tax rate	117	84	74	70	42
Net income	330	259	219	253	125
Basic (in dollars per share)	7.46	5.76	4.82	5.37	3.05
Diluted (in dollars per share	7.42	5.73	4.8	5.36	3.04

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and cash equivalents	125	175	127	117	120
Accounts receivable, net	116	73	72	58	55
Pawn loans	831	518	472	391	348
Finance receivables, net	150	148	114	103	181
Inventories	487	335	312	288	263
Leased merchandise, net	114	128	171	153	144
Prepaid expenses and other current assets	32	27	39	20	18
Total current assets	1,856	1,404	1,307	1,131	1,129
Property and equipment, net	808	718	633	539	463
Operating lease right of use asset	366	325	328	307	306
Goodwill	2,023	1,787	1,728	1,581	1,536
Intangible assets, net	231	229	278	330	388
Other assets	10	10	10	9	9
Deferred tax assets, net	6	5	7	7	6
Total assets	5,301	4,477	4,290	3,905	3,836
Accounts payable and accrued liabilities	213	172	163	139	244
Customer deposits and prepayments	84	73	71	63	57
Lease liability, current	111	95	102	93	91
Total current liabilities	408	339	336	296	392
Revolving unsecured credit facility	559	198	568	339	259
Other long-term debt	1,649	1,531	1,038	1,036	1,034
Deferred tax liabilities, net	159	129	137	152	126
Lease liability, non-current	249	225	215	203	203
Total liabilities	3,024	2,423	2,293	2,025	2,028
Commitments and contingencies (Note 13)	—	—	—	—	—
Common stock; $0.01 par value; 90,000 shares authorized; 57,322 and 49,276 shares issued, respectively; 48,479 and 41,038 shares outstanding, respectively	575,000	575,000	573,000	573,000	573,000
Additional paid-in capital	1,771	1,768	1,741	1,735	1,725
Retained earnings	1,671	1,411	1,218	1,061	867
Accumulated other comprehensive loss	−65	−130	−43	−107	−131
Common stock held in treasury, 13,570 and 12,795 shares at cost, respectively	−1,101	−995	−920	−809	−653
Total stockholders equity	2,277	2,054	1,996	1,880	1,808
Total liabilities and stockholders equity	5,301	4,477	4,290	3,905	3,836

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Provision for lease losses	120	163	176	140	5
Provision for loan losses	163	144	123	119	49
Share-based compensation expense	20	15	14	11	5
Depreciation and amortization expense	112	105	109	104	46
Amortization of debt issuance costs	4	4	3	3	2
Net amortization of premiums, discounts and unearned origination fees on finance receivables	−67	−38	−18	44	1
Other income, net	0	2	496,000	2	949,000
Deferred income taxes, net	19	−7	−13	42	11
Accounts receivable, net	−6	−3	−9	−1	−2
Inventories	−21	−10	2	−3	−27
Leased merchandise	−425	−554	−605	−502	−23
Prepaid expenses and other assets	−11	2	−3	−3	3
Accounts payable, accrued liabilities and other liabilities	5	18	22	20	26
Income taxes	24	8	−15	−2	6
Net cash flow provided by operating activities	586	540	416	469	223
Pawn loans made	−2,094	−1,720	−1,572	—	—
Pawn loans repaid	1,197	1,004	933	—	—
Recovery of pawn loan principal through sale of forfeited collateral	759	644	604	—	—
Investments in finance receivables	441	426	364	—	—
Investments in finance receivables	342	287	248	—	—
Purchases of furniture, fixtures, equipment and improvements	−55	−68	−60	−36	−42
Purchases of store real property	−62	−86	−70	−83	−80
Acquisitions of pawn stores, net of cash acquired	−475	−76	−181	−72	−82
Net cash flow used in investing activities	−828	−442	−462	−336	−745
Borrowings from credit facilities	796	445	646	286	560
Repayments of credit facilities	−427	−815	−416	−206	−424
Issuance of senior unsecured notes	0	500	0	0	550
Debt issuance costs paid	0	−10	−279,000	−2	−11
Purchases of treasury stock	−116	−85	−114	−158	−50
Payment of minimum withholding taxes on net share settlement of stock options exercised	−6	−7	−2	0	−2
Payments of Dividends	−71	−66	−62	−60	−48
Net cash flow provided by (used in) financing activities	176	−38	51	−139	577
Effect of Exchange Rate on Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Continuing Operation	16	−12	5	4	−1
Change in cash and cash equivalents	−50	48	10	−3	54
Interest	134	91	90	53	29
Non-cash transactions in connection with pawn loans settled through forfeitures of collateral transferred to inventories	789	600	529	503	430
Other long-term debt assumed in conjunction with H&T Acquisition	108	0	0	—	—

Filings

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Frequently asked questions

What is FirstCash Holdings, Inc.'s CIK number?

FirstCash Holdings, Inc.'s SEC CIK number is 0000840489 (840489). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find FirstCash Holdings, Inc.'s SEC filings?

All of FirstCash Holdings, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did FirstCash Holdings, Inc. last report earnings?

FirstCash Holdings, Inc. (FCFS) most recently filed an earnings 8-K with the SEC on Apr 23, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0000840489-26-000047). This is FirstCash Holdings, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.

What is FirstCash Holdings, Inc.'s most recent earnings 8-K?

FirstCash Holdings, Inc.'s latest earnings 8-K (Item 2.02) was filed Apr 23, 2026 under accession 0000840489-26-000047. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View FirstCash Holdings, Inc.'s latest earnings 8-K →
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