Inferra AI / Company / FCFS
Firstcash Holdings, Inc.
FCFS · Consumer Discretionary
Last earnings Oct 22, 2026
Key results
Declares Quarterly Cash dividendquarter
$150 Million
Acquisition Drives Additional Revenue and Earnings Growth Declares Quarterly Cash Dividend and Authorizes New $150 Million Share Repurchase Plan ____________________________________________________________ Fort Worth, Texas (October 30, 2025) -- FirstCash Holdings, Inc.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
EPSquarter
35%
earnings per share increased 35% compared to the prior-year quarter.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
Year-to-date EPSytd
31%
Year-to-date diluted earnings per share increased 31% over the prior-year period on a GAAP basis and adjusted diluted earnings per share increased 34% compared to the prior-year period.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
Adjusted EPSquarter
34%
Year-to-date diluted earnings per share increased 31% over the prior-year period on a GAAP basis and adjusted diluted earnings per share increased 34% compared to the prior-year period.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
Net incomequarter
28%
Net income for the third quarter increased 28% over the prior-year quarter on a GAAP basis while adjusted net income increased 34% compared to the prior-year quarter.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
Adjusted net incomequarter
34%
Net income for the third quarter increased 28% over the prior-year quarter on a GAAP basis while adjusted net income increased 34% compared to the prior-year quarter.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
Year-to-date net incomeytd
29%
Year-to-date net income increased 29% over the prior-year period on a GAAP basis and adjusted net income increased 32% compared to the prior-year period.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
Consolidated revenuequarter
12%
Consolidated revenue for the third quarter increased 12% over the prior-year quarter while net revenues (gross profit) increased 17% compared to the prior-year quarter.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
Revenuequarter
17%
Consolidated revenue for the third quarter increased 12% over the prior-year quarter while net revenues (gross profit) increased 17% compared to the prior-year quarter.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
Year-to-date revenueytd
4%
Year-to-date revenue increased 4% over the prior-year period and net revenue increased 10% compared to the prior-year period.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
Net income of $310 million on a GAAP basis and adjusted
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
AI analysis
Q3 2025 · reported Oct 30, 2025
Based on: Earnings release + parent 8-K — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Declares Quarterly Cash dividend | $150 Million | — | — |
| EPS | 35% | — | — |
| Adjusted EPS | 34% | — | — |
| Net income | 28% | — | — |
| Adjusted net income | 34% | — | — |
| Consolidated revenue | 12% | — | — |
| Revenue | 17% | — | — |
Guidance · company-stated
Direction: Raised
“Pawn Based on strong year-to-date results and expected store additions, the outlook for anticipated revenue growth and margins has been increased for all metrics.”
“With the recent favorable movement in the peso and the better than expected growth in the underlying business, the Company is again increasing its full year revenue outlook for the Latin America pawn segment.”
Classified from the release's primary full-year outlook statement.
Capital allocation
Acquisition Drives Additional Revenue and Earnings Growth Declares Quarterly Cash Dividend and Authorizes New $150 Million Share Repurchase Plan ____________________________________________________________ Fort Worth, Texas (October 30, 2025) -- FirstCash Holdings, Inc.
Event summary
FirstCash Reports Record Third Quarter Operating Results Across All Segments Recent U.K
Based on: Earnings release + parent 8-K — transcript not held
Guidance & outlook
Direction: Raised
Revenue: “Pawn Based on strong year-to-date results and expected store additions, the outlook for anticipated revenue growth and margins has been increased for all metrics.”
Revenue: “With the recent favorable movement in the peso and the better than expected growth in the underlying business, the Company is again increasing its full year revenue outlook for the Latin America pawn segment.”
Revenue — Raised (“increased”)
“Pawn Based on strong year-to-date results and expected store additions, the outlook for anticipated revenue growth and margins has been increased for all metrics.”
Revenue — Raised (“increasing”)
“With the recent favorable movement in the peso and the better than expected growth in the underlying business, the Company is again increasing its full year revenue outlook for the Latin America pawn segment.”
Classified from the release's primary full-year outlook statement.
Capital allocation
Acquisition Drives Additional Revenue and Earnings Growth Declares Quarterly Cash Dividend and Authorizes New $150 Million Share Repurchase Plan ____________________________________________________________ Fort Worth, Texas (October 30, 2025) -- FirstCash Holdings, Inc.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
The Company also announced that the Board of Directors declared a quarterly cash dividend of $0.42 per share, which will be paid in November 2025, and authorized a new $150 million share repurchase plan.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
This significant investment activity is being funded by our strong balance sheet and cash flows, which also support our recently increased dividend, $90 million in year-to-date stock repurchases and a new $150 million share repurchase authorization, concluded Mr.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
The operating cash flows helped fund significant growth in earning assets, continued investments in the pawn store platform and shareholder returns over the past twelve months with a nominal increase in net debt Excluding earning assets obtained through acquisitions over the past twelve months, pawn earning assets (pawn receivables and inventories) increased $132 million compared to last year.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
Shareholder returns comprised of stock repurchases and cash dividends totaled $160 million.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
Net debt at September 30, 2025 was $2.1 billion, of which $1.5 billion are unsecured fixed rate senior notes with favorable interest rates ranging from 4.625% to 6.875% and maturity dates that do not begin until 2028 and continue into 2032.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
Strategy & priorities
From a long-term perspective, these results further validate our growth strategies and strong market positioning, with FirstCash now having over 3,300 pawn locations operating across six countries on three continents.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
The continued focus on the diversification and quality of AFF s merchant partner relationships, as evidenced by increased door counts across multiple industry verticals, we believe positions the segment well for expected long-term growth in originations and revenues.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
FirstCash is highly focused on several near-term opportunities to add additional locations through acquisitions and new store openings in all three pawn segments.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
Our balance sheet remains strong, and in addition to funding loan growth, our solid cash flows allow us to continue our pursuit of store growth through both strategic acquisitions and de novo store openings, select real estate purchases, dividend payouts and share repurchases, concluded Mr.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
About FirstCash FirstCash is the leading international operator of pawn stores focused on serving cash and credit-constrained consumers.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
Risks & headwinds
Headwinds from prior year Conn s originations were fully lapped at the end of the third quarter while the A-Freight headwinds will abate by year end.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
Because forward-looking statements relate to matters that have not yet occurred, these statements are inherently subject to risks and uncertainties.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
Security holders are cautioned that such forward-looking statements involve risks and uncertainties.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
Many of these risks and uncertainties are beyond the ability of the Company to control, nor can the Company predict, in many cases, all of the risks and uncertainties that could cause its actual results to differ materially from those indicated by the forward-looking statements.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
The Company has adjusted the applicable financial calculations to exclude merger and acquisition expenses, amortization of acquired intangible assets, the Consumer Financial Protection Bureau ( CFPB ) litigation settlement and certain other income and expenses.
SEC original ↗Firstcash Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
31 documents- Q3 2026
- 8-KFCFS
Oct 22, 2026
- Q2 2026
- 8-KFCFS
Aug 31, 2026
- 8-KFCFS
- 10-QFCFS
Jul 27, 2026
- 8-KFCFS
Jul 23, 2026
- 8-KFCFS
Jul 22, 2026
- 8-KFCFS
Jul 16, 2026
- Q1 2026
- 8-KFCFS
Jun 23, 2026
- 8-KFCFS
Jun 18, 2026
- 8-KFCFS
- 8-KFCFS
May 12, 2026
- 8-KFCFS
- 8-KFCFS
Apr 29, 2026
- 8-KFCFS
Apr 27, 2026
- 8-KFCFS
Apr 24, 2026
- 10-QFCFS
Apr 24, 2026
- 8-KFCFS
Apr 23, 2026
- Q4 2025
- 8-KFCFS
- 10-KFCFS
- 8-KFCFS
- Q3 2025
- 8-KFCFS
- 10-QFCFS
- 8-KFCFS
Oct 30, 2025
- Q2 2025
- 8-KFCFS
Aug 21, 2025
- 8-KFCFS
Aug 14, 2025
- 8-KFCFS
Aug 11, 2025
- 8-KFCFS
Jul 30, 2025
- 10-QFCFS
Jul 28, 2025
- 8-KFCFS
Jul 24, 2025
- 8-KFCFS
Jul 14, 2025
- 8-KFCFS
Earnings releases
8 documentsPresentations
0 documentsNo presentations for Firstcash Holdings, Inc. are held in this edition of the library.
Transcripts
0 documentsNo transcripts for Firstcash Holdings, Inc. are held in this edition of the library.
Mentioned by
2 companiesOther tracked companies whose held documents mention Firstcash Holdings, Inc. by name or ticker. A mention is counted once per document, from the document text the library holds.
“ry… …bank partners, most of which significantly increased their commitments, supported by FirstCash’s strong cash flow generation, disciplined capital allocation and long-term growth prospects. The increased capacity… …99.1 Exhibit 99.1 For Immedi”
“ASH FLOW $309 MILLION BY THE NUMBERS TRAILING TWELVE MONTHS AS OF JUNE 30, 2026 NASDAQ: FCFS F I RSTCASH I S… …THE TRANSACTION IS EXPECTED TO BE COMPLETED BY THE END OF 2026 USING AVAILABLE FUNDS ON THE REVOLVING CREDIT FACILITY. RAMSDENS FINANCIAL”
See also the earnings calendar for every tracked company’s next earnings date.