FirstCash Holdings, Inc.

FCFS 10-K · FY 2025
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Income Statement

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Income Statement
Metric FY 2025 FY 2024 YoY
Revenue 1,668,410 1,507,096 +10.7%
Show Business Segments breakouts
Latin America Pawn · Latin America 584,129 541,787 +7.8%
U.K. Pawn Segment · Latin America 40,767 — —
U.S. Pawn · US 1,046,258 969,371 +7.9%
Show Consolidation Items breakouts
Corporate Non Segment -2,744 -4,062 +32.4%
Pawn Loan Fees 853,736 737,126 +15.8%
Show Business Segments breakouts
Latin America Pawn · Latin America 254,061 231,864 +9.6%
U.K. Pawn Segment · Latin America 44,640 — —
U.S. Pawn · US 555,035 505,262 +9.9%
Leased Merchandise Income 559,028 766,241 -27.0%
Show Business Segments breakouts
Retail POS Payment Solutions · US 559,028 766,241 -27.0%
Interest And Fee Income Loans And Leases 311,189 245,891 +26.6%
Show Business Segments breakouts
Retail POS Payment Solutions · US 311,189 245,891 +26.6%
Wholesale Scrap Jewelry Revenue 262,590 132,160 +98.7%
Show Business Segments breakouts
Latin America Pawn · Latin America 51,334 38,237 +34.3%
U.K. Pawn Segment · Latin America 59,167 — —
U.S. Pawn · US 152,089 93,923 +61.9%
Noninterest Income Other Operating Income 6,090 — —
Show Business Segments breakouts
U.K. Pawn Segment · Latin America 6,090 — —
Revenue 3,661,043 3,388,514 +8.0%
Show Business Segments breakouts
Latin America Pawn · Latin America 889,524 811,888 +9.6%
Retail POS Payment Solutions · US 870,217 1,012,132 -14.0%
U.K. Pawn Segment · Latin America 150,664 — —
U.S. Pawn · US 1,753,382 1,568,556 +11.8%
Show Geography breakouts
GB 150,664 — —
MX 836,238 764,431 +9.4%
Other Latin America 53,286 47,457 +12.3%
US 2,620,855 2,576,626 +1.7%
Show Consolidation Items breakouts
Corporate Non Segment -2,744 -4,062 +32.4%
Cost of Revenue 1,008,148 909,685 +10.8%
Show Business Segments breakouts
Latin America Pawn · Latin America 378,538 350,906 +7.9%
U.K. Pawn Segment · Latin America 29,125 — —
U.S. Pawn · US 601,943 560,970 +7.3%
Show Consolidation Items breakouts
Corporate Non Segment -1,458 -2,191 +33.5%
Depreciation Of Leased Merchandise 319,121 433,306 -26.4%
Show Business Segments breakouts
Retail POS Payment Solutions · US 320,106 434,915 -26.4%
Show Consolidation Items breakouts
Corporate Non Segment -985 -1,609 +38.8%
Net Investment In Lease Credit Loss Expense Reversal 120,362 163,395 -26.3%
Show Business Segments breakouts
Retail POS Payment Solutions · US 120,701 163,937 -26.4%
Show Consolidation Items breakouts
Corporate Non Segment -339 -542 +37.5%
Provision For Loan Losses Expensed 162,706 143,827 +13.1%
Show Business Segments breakouts
Retail POS Payment Solutions · US 162,706 143,827 +13.1%
Cost Of Wholesale Scrap Jewelry Sold 208,685 108,769 +91.9%
Show Business Segments breakouts
Latin America Pawn · Latin America 43,725 31,086 +40.7%
U.K. Pawn Segment · Latin America 35,034 — —
U.S. Pawn · US 129,926 77,683 +67.3%
Other Cost Of Operating Revenue 1,414 — —
Show Business Segments breakouts
U.K. Pawn Segment · Latin America 1,414 — —
Cost of Revenue 1,820,436 1,758,982 +3.5%
Show Business Segments breakouts
Latin America Pawn · Latin America 422,263 381,992 +10.5%
Retail POS Payment Solutions · US 603,513 742,679 -18.7%
U.K. Pawn Segment · Latin America 65,573 — —
U.S. Pawn · US 731,869 638,653 +14.6%
Show Consolidation Items breakouts
Corporate Non Segment -2,782 -4,342 +35.9%
Gross Profit 1,840,607 1,629,532 +13.0%
Show Business Segments breakouts
Latin America Pawn · Latin America 467,261 429,896 +8.7%
Retail POS Payment Solutions · US 266,704 269,453 -1.0%
U.K. Pawn Segment · Latin America 85,091 — —
U.S. Pawn · US 1,021,513 929,903 +9.9%
Show Consolidation Items breakouts
Corporate Non Segment 38 280 -86.4%
Operating Costs And Expenses 933,729 900,978 +3.6%
Show Business Segments breakouts
Latin America Pawn · Latin America 272,060 259,307 +4.9%
Retail POS Payment Solutions · US 94,788 138,041 -31.3%
U.K. Pawn Segment · Latin America 30,329 — —
U.S. Pawn · US 536,552 503,630 +6.5%
General & Administrative 232,844 177,978 +30.8%
Show Consolidation Items breakouts
Corporate Non Segment 232,844 177,978 +30.8%
Other Depreciation And Amortization 111,806 104,941 +6.5%
Show Business Segments breakouts
Latin America Pawn · Latin America 17,755 20,369 -12.8%
Retail POS Payment Solutions · US 2,790 2,783 +0.3%
U.K. Pawn Segment · Latin America 2,276 — —
U.S. Pawn · US 32,393 28,980 +11.8%
Show Consolidation Items breakouts
Corporate Non Segment 56,592 52,809 +7.2%
Interest Expense Operating 121,293 105,226 +15.3%
Show Consolidation Items breakouts
Corporate Non Segment 121,293 105,226 +15.3%
Interest Income -2,935 -1,935 -51.7%
Show Consolidation Items breakouts
Corporate Non Segment -2,935 -1,935 -51.7%
Foreign Currency Transaction Gain Loss Before Tax -2,178 2,641 -182.5%
Show Consolidation Items breakouts
Corporate Non Segment -2,178 2,641 -182.5%
Business Combination Acquisition And Integration Related Costs 14,369 2,228 +544.9%
Show Consolidation Items breakouts
Corporate Non Segment 14,369 2,228 +544.9%
Other Non-Operating Income (Expense) -15,884 -5,301 -199.6%
Show Consolidation Items breakouts
Corporate Non Segment -15,884 -5,301 -199.6%
Operating Expenses 1,393,044 1,286,756 +8.3%
Show Business Segments breakouts
Latin America Pawn · Latin America 289,815 279,676 +3.6%
Retail POS Payment Solutions · US 97,578 140,824 -30.7%
U.K. Pawn Segment · Latin America 32,605 — —
U.S. Pawn · US 568,945 532,610 +6.8%
Show Consolidation Items breakouts
Corporate Non Segment 404,101 333,646 +21.1%
Income Before Taxes 447,563 342,776 +30.6%
Show Business Segments breakouts
Latin America Pawn · Latin America 177,446 150,220 +18.1%
Retail POS Payment Solutions · US 169,126 128,629 +31.5%
U.K. Pawn Segment · Latin America 52,486 — —
U.S. Pawn · US 452,568 397,293 +13.9%
Show Consolidation Items breakouts
Corporate Non Segment -404,063 -333,366 -21.2%
Income Tax Expense (Benefit) 117,188 83,961 +39.6%
Net Income 330,375 258,815 +27.6%
Show Equity Components breakouts
Retained Earnings 330,375 258,815 +27.6%
EPS (Basic) 7.46 5.76 +29.5%
EPS (Diluted) 7.42 5.73 +29.5%
Comprehensive Income 395,136 172,256 +129.4%
Wtd Avg Shares (Basic) 44,314 44,965 -1.4%
Wtd Avg Shares (Diluted) 44,526 45,168 -1.4%
Provision For Loan Lease And Other Losses 148,076 143,827 +3.0%

Balance Sheet

Balance Sheet
Metric FY 2025 FY 2024 YoY
Current Assets
Cash & Cash Equivalents 125,197 175,095 -28.5%
Notes And Loans Receivable Net Current 150,274 147,501 +1.9%
Show Business Segments breakouts
Retail POS Payment Solutions · US 150,274 147,501 +1.9%
Inventory 487,232 334,580 +45.6%
Show Business Segments breakouts
Latin America Pawn · Latin America 129,269 89,088 +45.1%
U.K. Pawn Segment · Latin America 71,861 — —
U.S. Pawn · US 286,102 245,492 +16.5%
Total Current Assets 1,856,468 1,403,748 +32.3%
Non-Current Assets
Property, Plant & Equipment 808,050 717,916 +12.6%
Operating Lease Right-of-Use Assets 365,621 324,646 +12.6%
Goodwill 2,023,426 1,787,172 +13.2%
Show Business Segments breakouts
Latin America Pawn · Latin America 192,366 175,741 +9.5%
Latin America Pawn · Latin America 192,366 175,741 +9.5%
Retail POS Payment Solutions · US 486,205 486,205 0.0%
Retail POS Payment Solutions · US 486,205 486,205 0.0%
U.K. Pawn Segment · Latin America 141,064 — —
U.K. Pawn Segment · Latin America 141,064 — —
U.S. Pawn · US 1,203,791 1,125,226 +7.0%
U.S. Pawn · US 1,203,791 1,125,226 +7.0%
Show Business Acquisition breakouts
2025 U.S. Pawn Acquisitions 78,565 — —
Other Non-Current Assets 9,796 9,934 -1.4%
Deferred Tax Assets 6,262 4,712 +32.9%
Total Assets 5,300,763 4,476,986 +18.4%
Show Business Segments breakouts
Latin America Pawn · Latin America 785,030 637,721 +23.1%
Retail POS Payment Solutions · US 880,906 959,476 -8.2%
U.K. Pawn Segment · Latin America 576,199 — —
U.S. Pawn · US 2,906,162 2,683,078 +8.3%
Show Consolidation Items breakouts
Corporate Non Segment 152,466 196,711 -22.5%
Intangible Assets 121,403 141,255 -14.1%
Show Finite Lived Intangible Assets By Major Class breakouts
Customer Relationships 14,940 1,239 +1105.8%
Developed Technology 33,592 38,932 -13.7%
Merchant relationships 72,871 101,084 -27.9%
Other Assets
Accounts Receivable Net 115,854 73,325 +58.0%
Loans Receivable Pawn Loans 831,497 517,867 +60.6%
Show Business Segments breakouts
Latin America Pawn · Latin America 167,438 121,200 +38.2%
U.K. Pawn Segment · Latin America 213,543 — —
U.S. Pawn · US 450,516 396,667 +13.6%
Leased Merchandise Net 114,283 128,437 -11.0%
Show Business Segments breakouts
Retail POS Payment Solutions · US 114,480 128,672 -11.0%
Show Consolidation Items breakouts
Corporate Non Segment -197 -235 +16.2%
Prepaid Expense And Other Assets 32,131 26,943 +19.3%
Intangible Assets Net Excluding Goodwill 231,140 228,858 +1.0%
Current Liabilities
Accounts Payable And Accrued Liabilities Current 212,615 171,540 +23.9%
Deferred Revenue (Current) 83,908 72,703 +15.4%
Operating Lease Liability Current 111,291 95,161 +17.0%
Total Current Liabilities 407,814 339,404 +20.2%
Accounts Payable 26,521 31,136 -14.8%
Non-Current Liabilities
Deferred Tax Liabilities 158,819 128,574 +23.5%
Operating Lease Liabilities 248,934 225,498 +10.4%
Total Liabilities 3,024,001 2,422,822 +24.8%
Long-Term Debt 2,208,434 1,729,346 +27.7%
Long-Term Debt 2,224,006 — —
Show Debt Instrument breakouts
4.625% Senior Unsecured Notes due 2028 · Senior Notes 496,706 495,577 +0.2%
5.625% Senior Unsecured Notes due 2030 · Senior Notes 545,171 544,130 +0.2%
6.875% Senior Unsecured Notes due 2032 · Senior Notes 492,551 491,639 +0.2%
Revolving Secured Credit Facility, Due 2027 · Line Of Credit 54,476 — —
Revolving Unsecured Credit Facility due 2027 · Line Of Credit 559,000 198,000 +182.3%
Secured Term Loan, Due 2027 · Secured Debt 26,902 — —
Secured Term Loan, Due 2029 · Secured Debt 13,451 — —
Secured Term Loan, Due 2031 · Secured Debt 20,177 — —
Show Long-Term Debt Type breakouts
Line Of Credit 613,476 198,000 +209.8%
Secured Debt 60,530 — —
Senior Notes 1,534,428 1,531,346 +0.2%
Other Liabilities
Long Term Line Of Credit 559,000 198,000 +182.3%
Unsecured Long Term Debt 1,649,434 1,531,346 +7.7%
Stockholders' Equity
Common Stock 575 575 0.0%
Additional Paid-In Capital 1,771,379 1,767,569 +0.2%
Retained Earnings 1,670,583 1,411,083 +18.4%
Accumulated Other Comprehensive Income -64,835 -129,596 +50.0%
Treasury Stock Value -1,100,940 -995,467 -10.6%
Total Stockholders' Equity 2,276,762 2,054,164 +10.8%
Total Liabilities & Equity 5,300,763 4,476,986 +18.4%

Cash Flow Statement

Cash Flow Statement
Metric FY 2025 FY 2024 YoY
Operating Activities
Non Cash Portion Of Lease Losses Provision 120,362 163,395 -26.3%
Non Cash Portion Of Credit Loss Provision 162,706 143,827 +13.1%
Stock-Based Compensation 20,250 14,786 +37.0%
Depreciation And Amortization Expense 111,806 104,941 +6.5%
Amortization of Financing Costs 3,988 3,638 +9.6%
Net Amortization Of Premiums Discounts And Unearned Origination Fees On Finance Receivables -67,174 -38,113 -76.2%
Deferred Income Taxes And Tax Credits 18,651 -7,417 +351.5%
Change in Accounts Receivable -5,547 -3,411 -62.6%
Increase Decrease In Retail Related Inventories -21,294 -9,723 -119.0%
Increase Decrease In Leased Merchandise Net -425,329 -553,947 +23.2%
Change in Prepaid & Other Assets -11,087 1,995 -655.7%
Increase Decrease In Accounts Payable And Accrued Liabilities 5,371 17,907 -70.0%
Increase Decrease In Accrued Income Taxes Payable 23,743 8,225 +188.7%
Net Cash from Operations 585,942 539,958 +8.5%
Deferred Income Taxes 19,354 -7,377 +362.4%
Investing Activities
Payments To Acquire Loans Receivable -2,094,228 -1,720,158 -21.7%
Proceeds From Collection Of Loans Receivable 1,197,038 1,003,752 +19.3%
Proceeds From Sale Of Loans Receivable 759,333 644,407 +17.8%
Payments To Acquire Loans Held For Investment 440,576 425,817 +3.5%
Proceeds From Collection Of Finance Receivables 342,272 286,503 +19.5%
Payments To Acquire Productive Assets -54,906 -68,245 +19.5%
Payments To Acquire And Develop Real Estate -61,919 -86,070 +28.1%
Payments To Acquire Business Two Net Of Cash Acquired -475,059 -75,963 -525.4%
Net Cash from Investing -828,045 -441,591 -87.5%
Pawn Loans Forfeited And Transferred To Inventories 789,490 599,978 +31.6%
Noncash Or Part Noncash Acquisition Net Nonmonetary Assets Acquired Liabilities Assumed1 108,033 — —
Financing Activities
Proceeds From Lines Of Credit 796,280 445,000 +78.9%
Repayments Of Lines Of Credit -427,384 -815,000 +47.6%
Share Repurchases -115,849 -85,000 -36.3%
Tax Withholding for Share Compensation -5,764 -7,007 +17.7%
Payments Of Dividends -70,875 -65,761 -7.8%
Net Cash from Financing 176,408 -38,193 +561.9%
Supplemental
Interest Paid 134,451 91,176 +47.5%
Income Taxes Paid 72,715 85,424 -14.9%
Other Cash Flow
Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 15,797 -12,097 +230.6%
Net Change in Cash -49,898 48,077 -203.8%
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 125,197 175,095 -28.5%

Values in thousands USD. Source: SEC EDGAR 10-K filing.

This table is rendered from the same JSON returned by /api/financials.

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