FirstCash Holdings, Inc.

FCFS

NasdaqMid CapConsumer Discretionary

13F Pro Quality Score

69.3/100

Rank #275 of 2,961 stocksTOP 10%

View Consumer Discretionary peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

67.9/100

Profitability

63.9/100

Balance Sheet

79.9/100

Earnings Quality

58.0/100

Free Cash Flow

67.3/100

Institutional Flow

62.9/100

Revenue Scale

75.3/100

Dilution Risk

72.9/100

Price Chart

Email me the moment this company reports earnings

AI Research Report

Two-page plain-English analysis: business, thesis, and three scenarios for the next two years. Refreshed every quarter.

Upgrade to Pro

Pro: 5 reports/month · Pro+: unlimitedOpinion, not investment advice. Do your own research.

What's Driving FCFS's Business? Latest 10-Q Breakdown

43/43 datapoints verified

AI-extracted from the 10-Q filed 2026-07-27 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Total revenue rose 29% to $1.07B as U.S. and Latin America pawn plus the newly acquired U.K. segment offset a 17% decline in AFF leased merchandise income.

Biggest Revenue Drivers

U.S. pawn$498.1M

Retail merchandise sales +10% on strong demand for value priced merchandise; scrap jewelry revenue +152% on more forfeited collateral and higher gold prices

Latin America pawn$292.0M

Retail sales +28% (15% constant currency) and pawn fees +33%, aided by an 11% favorable change in the average Mexican peso

Biggest Revenue Drivers

Total revenue: $1,074.7M

U.S. pawn$498.1M

Retail merchandise sales +10% on strong demand for value priced merchandise; scrap jewelry revenue +152% on more forfeited collateral and higher gold prices

Within U.S. pawn

Pawn loan fees$150.1M+15% YoY

Higher pawn receivable balances; same-store fees +14%

Latin America pawn$292.0M

Retail sales +28% (15% constant currency) and pawn fees +33%, aided by an 11% favorable change in the average Mexican peso

Retail POS payment solutions (AFF)$189.5M

Leased merchandise income fell 17% on lower average leased balances amid continued weakness in the furniture industry

U.K. pawn$95.3M

Contributed by H&T, acquired August 14, 2025; segment pre-tax operating margin 35%

Largest Expense Items

Operating expenses$267.7M

U.S. up 6% on increased labor and variable compensation; Latin America up 28% on inflation and minimum wage increases

Administrative expenses$66.8M+13% YoY

Addition of H&T, increased variable compensation, inflation and peso translation, offset by prior-year $11.0M CFPB settlement

Provision for loan losses$39.9M-4% YoY

8% decrease in gross transaction volumes, partially offset by higher loan loss provisioning rates

Interest expense$35.7M+36% YoY

Increased outstanding long-term debt balances

Margins: U.S. pawn pre-tax segment margin rose to 26% from 24% and U.S. scrap margin to 16% from 9%; AFF depreciation of leased merchandise rose to 62% of leased income from 56%.

Watch Items from the Filing

AFF gross transaction volume fell 14% to $223.7M, with segment pre-tax income down to $28.7M from $37.9M on furniture industry weakness.
AFF delinquency rates rose: leases 25.6% vs 23.2% and finance receivables 22.3% vs 20.6% year over year.
Pending Ramsdens acquisition valued at ~£231.7M ($307.5M), backed by a £239.0M bridge facility, expected to close by end of 2026.
Total long-term debt reached $2.35B after the $750M 6.125% 2034 notes; consolidated total debt ratio was 2.6 to 1.
Off-balance-sheet OBS Loans held by AFF's bank partner totaled $35.2M maximum exposure, with a $18.3M reimbursement liability accrued.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →