FirstCash Holdings, Inc.

FCFS 10-Q · Q1 2026
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FCFS Q1 2026 request

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Income Statement

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Income Statement
Metric Q1 2026 Q1 2025 YoY
Revenue 464,834 371,056 +25.3%
Show Business Segments breakouts
Latin America Pawn Segment · Latin America 159,841 120,532 +32.6%
Pawn Segment · US 283,829 251,225 +13.0%
U.K. Pawn · GB 21,845 — —
Show Consolidation Items breakouts
Corporate Non Segment -681 -701 +2.9%
Pawn Loan Fees 266,698 191,871 +39.0%
Show Business Segments breakouts
Latin America Pawn Segment · Latin America 76,646 53,923 +42.1%
Pawn Segment · US 157,808 137,948 +14.4%
U.K. Pawn · GB 32,244 — —
Leased Merchandise Income 130,187 156,918 -17.0%
Show Business Segments breakouts
Retail POS Payment Solutions · US 130,187 156,918 -17.0%
Interest And Fee Income Loans And Leases 74,335 73,413 +1.3%
Show Business Segments breakouts
Retail POS Payment Solutions · US 74,335 73,413 +1.3%
Wholesale Scrap Jewelry Revenue 112,481 43,165 +160.6%
Show Business Segments breakouts
Latin America Pawn Segment · Latin America 20,632 9,673 +113.3%
Pawn Segment · US 47,369 33,492 +41.4%
U.K. Pawn · GB 44,480 — —
Noninterest Income Other Operating Income 3,116 — —
Show Business Segments breakouts
U.K. Pawn · GB 3,116 — —
Revenue 1,051,651 836,423 +25.7%
Show Business Segments breakouts
Latin America Pawn Segment · Latin America 257,119 184,128 +39.6%
Pawn Segment · US 489,006 422,665 +15.7%
Retail POS Payment Solutions · US 204,522 230,331 -11.2%
U.K. Pawn · GB 101,685 — —
Show Consolidation Items breakouts
Corporate Non Segment -681 -701 +2.9%
Cost of Revenue 278,049 224,124 +24.1%
Show Business Segments breakouts
Latin America Pawn Segment · Latin America 104,066 78,739 +32.2%
Pawn Segment · US 158,956 145,758 +9.1%
U.K. Pawn · GB 15,379 — —
Show Consolidation Items breakouts
Corporate Non Segment -352 -373 +5.6%
Depreciation Of Leased Merchandise 81,059 88,819 -8.7%
Show Business Segments breakouts
Retail POS Payment Solutions · US 81,352 89,143 -8.7%
Show Consolidation Items breakouts
Corporate Non Segment -293 -324 +9.6%
Net Investment In Lease Credit Loss Expense Reversal 29,744 27,562 +7.9%
Show Business Segments breakouts
Retail POS Payment Solutions · US 29,931 27,604 +8.4%
Show Consolidation Items breakouts
Corporate Non Segment -187 -42 -345.2%
Provision For Loan Losses Expensed 42,844 36,360 +17.8%
Show Business Segments breakouts
Retail POS Payment Solutions · US 42,844 36,360 +17.8%
Cost Of Wholesale Scrap Jewelry Sold 76,727 35,355 +117.0%
Show Business Segments breakouts
Latin America Pawn Segment · Latin America 16,860 8,131 +107.4%
Pawn Segment · US 36,097 27,224 +32.6%
U.K. Pawn · GB 23,770 — —
Other Cost Of Operating Revenue 846 — —
Show Business Segments breakouts
U.K. Pawn · GB 846 — —
Cost of Revenue 509,269 412,220 +23.5%
Show Business Segments breakouts
Latin America Pawn Segment · Latin America 120,926 86,870 +39.2%
Pawn Segment · US 195,053 172,982 +12.8%
Retail POS Payment Solutions · US 154,127 153,107 +0.7%
U.K. Pawn · GB 39,995 — —
Show Consolidation Items breakouts
Corporate Non Segment -832 -739 -12.6%
Gross Profit 542,382 424,203 +27.9%
Show Business Segments breakouts
Latin America Pawn Segment · Latin America 136,193 97,258 +40.0%
Pawn Segment · US 293,953 249,683 +17.7%
Retail POS Payment Solutions · US 50,395 77,224 -34.7%
U.K. Pawn · GB 61,690 — —
Show Consolidation Items breakouts
Corporate Non Segment 151 38 +297.4%
Operating Costs And Expenses 269,429 214,586 +25.6%
Show Business Segments breakouts
Latin America Pawn Segment · Latin America 80,727 61,417 +31.4%
Pawn Segment · US 143,857 128,951 +11.6%
Retail POS Payment Solutions · US 23,756 24,218 -1.9%
U.K. Pawn · GB 21,089 — —
General & Administrative 65,778 48,523 +35.6%
Show Consolidation Items breakouts
Corporate Non Segment 65,778 48,523 +35.6%
Other Depreciation And Amortization 31,516 25,502 +23.6%
Show Business Segments breakouts
Latin America Pawn Segment · Latin America 4,585 4,436 +3.4%
Pawn Segment · US 8,696 7,600 +14.4%
Retail POS Payment Solutions · US 720 705 +2.1%
U.K. Pawn · GB 1,447 — —
Show Consolidation Items breakouts
Corporate Non Segment 16,068 12,761 +25.9%
Interest Expense Operating 34,528 27,471 +25.7%
Show Consolidation Items breakouts
Corporate Non Segment 34,528 27,471 +25.7%
Interest Income -227 -1,229 +81.5%
Show Consolidation Items breakouts
Corporate Non Segment -227 -1,229 +81.5%
Foreign Currency Transaction Gain Loss Before Tax -1,102 -14 -7771.4%
Show Consolidation Items breakouts
Corporate Non Segment -1,102 -14 -7771.4%
Show Income Statement Location breakouts
Operating Lease Income 0.8 0.1 +700.0%
Business Combination Acquisition And Integration Related Costs 865 462 +87.2%
Show Consolidation Items breakouts
Corporate Non Segment 865 462 +87.2%
Other Non-Operating Income (Expense) -3,533 -2,315 -52.6%
Show Consolidation Items breakouts
Corporate Non Segment -3,533 -2,315 -52.6%
Operating Expenses 397,254 312,986 +26.9%
Show Business Segments breakouts
Latin America Pawn Segment · Latin America 85,312 65,853 +29.5%
Pawn Segment · US 152,553 136,551 +11.7%
Retail POS Payment Solutions · US 24,476 24,923 -1.8%
U.K. Pawn · GB 22,536 — —
Show Consolidation Items breakouts
Corporate Non Segment 112,377 85,659 +31.2%
Income Before Taxes 145,128 111,217 +30.5%
Show Business Segments breakouts
Latin America Pawn Segment · Latin America 50,881 31,405 +62.0%
Pawn Segment · US 141,400 113,132 +25.0%
Retail POS Payment Solutions · US 25,919 52,301 -50.4%
U.K. Pawn · GB 39,154 — —
Show Consolidation Items breakouts
Corporate Non Segment -112,226 -85,621 -31.1%
Income Tax Expense (Benefit) 37,426 27,626 +35.5%
Net Income 107,702 83,591 +28.8%
Show Equity Components breakouts
Retained Earnings 107,702 83,591 +28.8%
EPS (Basic) 2.44 1.87 +30.5%
EPS (Diluted) 2.43 1.87 +29.9%
Comprehensive Income 96,138 82,647 +16.3%
Wtd Avg Shares (Basic) 44,063 44,649 -1.3%
Wtd Avg Shares (Diluted) 44,248 44,789 -1.2%

Balance Sheet

Balance Sheet
Metric Q1 2026 Q1 2025 YoY
Current Assets
Cash & Cash Equivalents 130,739 146,034 -10.5%
Pawn Loan Fees And Service Charges Receivable 117,345 71,166 +64.9%
Pawn Loans 851,125 499,710 +70.3%
Show Business Segments breakouts
Latin America Pawn Segment · Latin America 194,116 133,738 +45.1%
Pawn Segment · US 441,628 365,972 +20.7%
U.K. Pawn · GB 215,381 — —
Notes And Loans Receivable Net Current 139,296 145,079 -4.0%
Show Business Segments breakouts
Retail POS Payment Solutions · US 139,296 145,079 -4.0%
Inventory 538,791 334,700 +61.0%
Show Business Segments breakouts
Latin America Pawn Segment · Latin America 144,013 88,463 +62.8%
Pawn Segment · US 311,579 246,237 +26.5%
U.K. Pawn · GB 83,199 — —
Leased Merchandise Net 97,248 103,612 -6.1%
Show Business Segments breakouts
Retail POS Payment Solutions · US 97,294 103,809 -6.3%
Show Consolidation Items breakouts
Corporate Non Segment -46 -197 +76.6%
Prepaid Expense And Other Assets 30,689 26,033 +17.9%
Total Current Assets 1,905,233 1,326,334 +43.6%
Non-Current Assets
Property, Plant & Equipment 841,570 724,213 +16.2%
Operating Lease Right-of-Use Assets 362,128 329,183 +10.0%
Goodwill 2,020,527 1,815,139 +11.3%
Show Business Segments breakouts
Latin America Pawn Segment · Latin America 148,577 175,421 -15.3%
Pawn Segment · US 1,247,518 1,153,513 +8.1%
Retail POS Payment Solutions · US 486,205 486,205 0.0%
U.K. Pawn · GB 138,227 — —
Other Non-Current Assets 9,758 9,952 -1.9%
Deferred Tax Assets 7,119 4,720 +50.8%
Total Assets 5,361,322 4,426,277 +21.1%
Show Business Segments breakouts
Latin America Pawn Segment · Latin America 781,498 659,716 +18.5%
Pawn Segment · US 2,997,017 2,681,376 +11.8%
Retail POS Payment Solutions · US 834,604 911,261 -8.4%
U.K. Pawn · GB 584,706 — —
Show Consolidation Items breakouts
Corporate Non Segment 163,497 173,924 -6.0%
Other Assets
Intangible Assets Net Excluding Goodwill 214,987 216,736 -0.8%
Current Liabilities
Accounts Payable And Accrued Liabilities Current 206,834 129,137 +60.2%
Deferred Revenue (Current) 88,033 76,211 +15.5%
Operating Lease Liability Current 104,801 96,539 +8.6%
Total Current Liabilities 399,668 301,887 +32.4%
Non-Current Liabilities
Deferred Tax Liabilities 157,479 129,936 +21.2%
Operating Lease Liabilities 251,975 228,995 +10.0%
Total Liabilities 3,063,242 2,367,917 +29.4%
Long-Term Debt 2,254,120 1,707,099 +32.0%
Show Debt Instrument breakouts
4.625% senior unsecured notes due 2028 · Unsecured Debt 496,922 495,854 +0.2%
5.625% Senior Unsecured Notes due 2030 · Unsecured Debt 545,440 544,384 +0.2%
6.875% Senior Unsecured Notes due 2032 · Unsecured Debt 492,790 491,861 +0.2%
Revolving Secured Credit Facility, Due 2027 · Line Of Credit 53,412 — —
Revolving Unsecured Credit Facility due 2029 · Line Of Credit 573,000 175,000 +227.4%
Revolving Unsecured Uncommitted Credit Facility due 2027 · Line Of Credit 33,210 — —
Secured Term Loan, Due 2027 · Secured Debt 26,376 — —
Secured Term Loan, Due 2029 · Secured Debt 13,188 — —
Secured Term Loan, Due 2031 · Secured Debt 19,782 — —
Show Long-Term Debt Type breakouts
Line Of Credit 659,622 175,000 +276.9%
Secured Debt 59,346 — —
Unsecured Debt 1,535,152 1,532,099 +0.2%
Other Liabilities
Long Term Line Of Credit 573,000 175,000 +227.4%
Unsecured Long Term Debt 1,681,120 1,532,099 +9.7%
Stockholders' Equity
Common Stock 575 575 0.0%
Additional Paid-In Capital 1,755,756 1,755,591 0.0%
Retained Earnings 1,759,830 1,477,730 +19.1%
Accumulated Other Comprehensive Income -76,399 -130,540 +41.5%
Treasury Stock Value -1,141,682 -1,044,996 -9.3%
Total Stockholders' Equity 2,298,080 2,058,360 +11.6%
Total Liabilities & Equity 5,361,322 4,426,277 +21.1%

Cash Flow Statement

Cash Flow Statement
Metric YTD Q1 2026 YTD Q1 2025 YoY
Operating Activities
Non Cash Portion Of Lease Losses Provision 29,744 27,562 +7.9%
Non Cash Portion Of Credit Loss Provision 42,844 36,360 +17.8%
Stock-Based Compensation 5,375 4,462 +20.5%
Depreciation And Amortization Expense 31,516 25,502 +23.6%
Amortization of Financing Costs 951 980 -3.0%
Net Amortization Of Premiums Discounts And Unearned Origination Fees On Finance Receivables -16,940 -13,372 -26.7%
Deferred Income Taxes And Tax Credits -2,068 1,342 -254.1%
Change in Accounts Receivable -2,418 2,134 -213.3%
Increase Decrease In Retail Related Inventories -32,478 812 -4099.8%
Increase Decrease In Leased Merchandise Net -93,767 -91,556 -2.4%
Change in Prepaid & Other Assets 1,023 -7,575 +113.5%
Increase Decrease In Accounts Payable And Accrued Liabilities -18,418 -54,518 +66.2%
Increase Decrease In Accrued Income Taxes Payable 19,503 22,097 -11.7%
Net Cash from Operations 153,628 126,640 +21.3%
Investing Activities
Payments To Acquire Loans Receivable -661,711 -422,375 -56.7%
Proceeds From Collection Of Loans Receivable 403,654 273,880 +47.4%
Proceeds From Sale Of Loans Receivable 211,478 167,935 +25.9%
Payments To Acquire Finance Receivables 102,568 114,493 -10.4%
Payments For Proceeds From Loans And Leases 87,642 93,927 -6.7%
Payments To Acquire Furniture And Fixtures -20,116 -12,914 -55.8%
Payments To Acquire Land Held For Use -30,547 -6,879 -344.1%
Payments To Acquire Business Two Net Of Cash Acquired -3,705 -29,228 +87.3%
Net Cash from Investing -115,873 -50,147 -131.1%
Financing Activities
Proceeds From Lines Of Credit 189,303 106,000 +78.6%
Show Debt Instrument breakouts
Revolving Unsecured Uncommitted Credit Facility due 2027 · Line Of Credit 34.1 — —
Repayments Of Lines Of Credit -141,207 -129,000 -9.5%
Share Repurchases -50,000 -59,609 +16.1%
Tax Withholding for Share Compensation -11,240 -5,764 -95.0%
Payments Of Dividends -18,455 -16,944 -8.9%
Net Cash from Financing -31,599 -105,317 +70.0%
Other Cash Flow
Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents -614 -237 -159.1%
Net Change in Cash 5,542 -29,061 +119.1%
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 130,739 146,034 -10.5%

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

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

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