AI-extracted from the 10-Q filed 2026-10-26 — Q3 FY2026 (quarter ended September 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
FirstCash's Q3 2026 revenue rose 18% to $1,101.2M and net income rose 22% to $101.2M, led by a sharp increase in wholesale scrap jewelry sales while LTO leased merchandise income fell.
Biggest Revenue Drivers
U.S. pawn$514.7M+18% YoY
Retail merchandise sales up 10% on continued strong demand for value-priced merchandise; pawn loan fees up 12% on higher receivable balances.
Latin America pawn$310.7M+35% YoY
Retail merchandise sales increased 24% (16% constant currency) on strong demand for value-priced merchandise and higher inventory levels.
Biggest Revenue Drivers
Total revenue: $1,101.2M+18% YoY
U.S. pawn$514.7M+18% YoY
Retail merchandise sales up 10% on continued strong demand for value-priced merchandise; pawn loan fees up 12% on higher receivable balances.
Latin America pawn$310.7M+35% YoY
Retail merchandise sales increased 24% (16% constant currency) on strong demand for value-priced merchandise and higher inventory levels.
Retail POS payment solutions$176.8M-17% YoY
Decline in leased merchandise income (-22%) on lower average leased merchandise balances, and lower interest and fees on retail finance products (-10%).
U.K. pawn$99.4M+81% YoY
Increase primarily due to the H&T prior-year partial period, which included results only from August 14, 2025.
Largest Expense Items
Operating expenses$269.1M+14% YoY
Increase primarily due to increased labor and variable compensation expenses in the U.S. and general inflationary impacts and minimum wage increases in Latin America.
Cost of revenue$555.6M+20% YoY
Cost of wholesale scrap jewelry sold rose with scrap sales growth; cost of retail merchandise sold also increased with sales.
Interest expense$37.7M+17% YoY
Primarily due to increased outstanding long-term debt balances.
Administrative expenses$66.7M+13% YoY
Full quarter of H&T administrative expenses, increased variable compensation, general inflation and a stronger Mexican peso.
Margins: Net revenue margin and pre-tax segment margins were broadly stable; U.S. pawn segment pre-tax margin was 26% and Latin America 21%, with the U.K. segment margin falling to 29% from 33%. Scrap gross margins declined in the U.K. due to higher acquisition cost of inventory.
Watch Items from the Filing
Wholesale scrap jewelry revenue rose to $172.5M from $86.7M, driven by pawn activity and gold prices; scrap is sensitive to gold price movements.
Retail POS payment solutions segment pre-tax income fell to $33.2M from $46.0M; leased merchandise balances declined 25% amid furniture industry weakness.
Pending Ramsdens acquisition (~$303.7M equity value) to be financed with the Credit Facility; the company had $169.0M outstanding under it and $882.5M available.
Provision for loan losses rose 1% to $40.8M in Q3 while retail POS gross transaction volume fell 15%, with delinquency rates at 22.8% for finance receivables and 26.5% for leased merchandise.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
Davis MartheaDirectorGrant or award · Jan 28, 2026
Berce Daniel EDirectorGrant or award · Jan 28, 2026
Owen Randel GDirectorGrant or award · Jan 28, 2026
Faulkner Mikel DDirectorGrant or award · Jan 28, 2026
Congress trading in FCFS
3 transactions in FCFS reported by 1 member of Congress under the STOCK Act, most recent trade Feb 4, 2026. Reported transactions, not recommendations.
About FirstCash Holdings, Inc. (FCFS): stock profile, AI score and financials
FirstCash Holdings, Inc. (FCFS) stock profile, AI quality score, and SEC EDGAR financial data, a Consumer Discretionary sector company. 13F Pro's AI-powered ranking engine scores FCFS at 68.6/100 on a composite quality score built from its SEC filings, placing it at rank #295 of 2,925 stocks — the top 25% of the AI-ranked universe. FCFS scores in the top quartile across balance sheet strength (79.1), revenue scale (75.7). Based on the latest XBRL financial filings (Q3 2026), FirstCash Holdings, Inc. reports quarterly revenue of $1.1B, net income of $101.2M, an operating margin of 12.6%. Top institutional holders of FCFS by reported 13-F value include BlackRock, FMR, EARNEST PARTNERS, based on the most recent SEC filings. FCFS trades on the Nasdaq exchange and files with the SEC under CIK 840489. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FCFS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FirstCash Holdings, Inc. directly from SEC EDGAR.