FCFS 10-Q

FirstCash Holdings, Inc. (FCFS)

10-Q 2026-07-27 For: 2026-06-30

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Added on July 28, 2026

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Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, par value $.01 per share	FCFS	The Nasdaq Stock Market


☒	Large accelerated filer	☐	Accelerated filer
☐	Non-accelerated filer	☐	Smaller reporting company
		☐	Emerging growth company


PART I.	FINANCIAL INFORMATION

Item 1.	Financial Statements (Unaudited)	1
	Consolidated Balance Sheets	1
	Consolidated Statements of Income	2
	Consolidated Statements of Comprehensive Income	3
	Consolidated Statements of Changes in Stockholders’ Equity	4
	Consolidated Statements of Cash Flows	6
	Notes to Consolidated Financial Statements	7
Item 2.	Management's Discussion and Analysis of Financial Condition and Results of Operations	27
Item 3.	Quantitative and Qualitative Disclosures About Market Risk	49
Item 4.	Controls and Procedures	49

PART II.	OTHER INFORMATION

Item 1.	Legal Proceedings	50
Item 1A.	Risk Factors	50
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	50
Item 3.	Defaults Upon Senior Securities	50
Item 4.	Mine Safety Disclosures	50
Item 5.	Other Information	51
Item 6.	Exhibits	51

SIGNATURES		52


FIRSTCASH HOLDINGS, INC.
CONSOLIDATED BALANCE SHEETS
(unaudited, in thousands)

	June 30,				December 31,
	2026		2025		2025
ASSETS
Cash and cash equivalents	$	172,298	$	101,467	$	125,197
Accounts receivable, net	120,884		76,062		115,854
Pawn loans	897,555		550,718		831,497
Finance receivables, net	131,002		154,518		150,274
Inventories	570,493		355,733		487,232
Leased merchandise, net	84,569		100,689		114,283
Prepaid expenses and other current assets	41,911		35,667		32,131
Total current assets	2,018,712		1,374,854		1,856,468

Property and equipment, net	855,034		750,862		808,050
Operating lease right of use asset	363,132		342,859		365,621
Goodwill	2,030,563		1,826,184		2,023,426
Intangible assets, net	200,247		204,643		231,140
Other assets	9,639		9,805		9,796
Deferred tax assets, net	8,246		5,042		6,262
Total assets	$	5,485,573	$	4,514,249	$	5,300,763

LIABILITIES AND STOCKHOLDERS’ EQUITY

Accounts payable and accrued liabilities	$	208,170	$	145,035	$	212,615
Customer deposits and prepayments	93,437		80,848		83,908
Lease liability, current	111,512		100,845		111,291
Total current liabilities	413,119		326,728		407,814

Revolving unsecured credit facility	69,000		152,000		559,000
Other long-term debt	2,277,039		1,532,865		1,649,434
Deferred tax liabilities, net	159,158		125,290		158,819
Lease liability, non-current	245,465		237,198		248,934

Total liabilities	3,163,781		2,374,081		3,024,001

Stockholders’ equity:

Common stock	575		575		575
Additional paid-in capital	1,761,131		1,760,179		1,771,379
Retained earnings	1,834,886		1,520,677		1,670,583
Accumulated other comprehensive loss	(55,746)		(96,267)		(64,835)
Common stock held in treasury, at cost	(1,219,054)		(1,044,996)		(1,100,940)
Total stockholders’ equity	2,321,792		2,140,168		2,276,762
Total liabilities and stockholders’ equity	$	5,485,573	$	4,514,249	$	5,300,763

The accompanying notes are an integral part of these consolidated financial statements.


FIRSTCASH HOLDINGS, INC.
CONSOLIDATED STATEMENTS OF INCOME
(unaudited, in thousands, except per share amounts)

	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2026		2025		2026		2025
Revenue:
Retail merchandise sales	$	471,263	$	385,125	$	936,097	$	756,181
Pawn loan fees	258,441		190,822		525,139		382,693
Leased merchandise income	115,499		139,784		245,686		296,702
Interest and fees on retail finance products	73,962		76,075		148,297		149,488
Wholesale scrap jewelry sales	152,132		38,816		264,613		81,981
Other revenue	3,391		—		6,507		—
Total revenue	1,074,688		830,622		2,126,339		1,667,045

Cost of revenue:
Cost of retail merchandise sold	285,619		230,326		563,668		454,450
Depreciation of leased merchandise	71,650		78,272		152,709		167,091
Provision for lease losses	24,439		32,543		54,183		60,105
Provision for loan losses	39,930		41,761		82,774		78,121
Cost of wholesale scrap jewelry sold	119,069		34,904		195,796		70,259
Other cost of revenue	312		—		1,158		—
Total cost of revenue	541,019		417,806		1,050,288		830,026

Net revenue	533,669		412,816		1,076,051		837,019

Expenses and other income:
Operating expenses	267,738		222,493		537,167		437,079
Administrative expenses	66,825		59,263		132,603		107,786
Depreciation and amortization	32,440		25,864		63,956		51,366
Interest expense	35,702		26,337		70,230		53,808
Interest income	(417)		(527)		(644)		(1,756)
Loss (gain) on foreign exchange	1,738		(1,271)		636		(1,285)
Merger and acquisition expenses	6,358		2,777		7,223		3,239
Other income, net	(3,717)		(3,199)		(7,250)		(5,514)


Total expenses and other income	406,667		331,737		803,921		644,723

Income before income taxes	127,002		81,079		272,130		192,296

Provision for income taxes	33,535		21,274		70,961		48,900

Net income	$	93,467	$	59,805	$	201,169	$	143,396

Earnings per share:
Basic	$	2.13	$	1.35	$	4.58	$	3.22
Diluted	$	2.12	$	1.34	$	4.56	$	3.21

The accompanying notes are an integral part of these consolidated financial statements.


☒			QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934


☐			TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934


FIRSTCASH HOLDINGS, INC.
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY
CONTINUED
(unaudited, in thousands, except per share amounts)

Six Months Ended June 30, 2025
	Common Stock		Additional Paid-In Capital		Retained Earnings		Accum- ulated Other Compre- hensive Loss		Common Stock Held in Treasury			Total Stock- holders’ Equity
		Shares	Amount								Shares	Amount
As of 12/31/2024		57,547	$	575	$	1,767,569	$	1,411,083	$	(129,596)	12,795	$	(995,467)	$	2,054,164
Shares issued under share-based compensation plan, net of 52 shares net-settled		—	—		(16,440)		—		—		(137)	10,676		(5,764)



Share-based compensation expense		—	—		4,462		—		—		—	—		4,462
Net income		—	—		—		83,591		—		—	—		83,591
Cash dividends ($0.38 per share)		—	—		—		(16,944)		—		—	—		(16,944)
Currency translation adjustment		—	—		—		—		(944)		—	—		(944)
Purchases of treasury stock, including excise tax		—	—		—		—		—		525	(60,205)		(60,205)

As of 3/31/2025		57,547	$	575	$	1,755,591	$	1,477,730	$	(130,540)	13,183	$	(1,044,996)	$	2,058,360




Share-based compensation expense		—	—		4,588		—		—		—	—		4,588
Net income		—	—		—		59,805		—		—	—		59,805
Cash dividends ($0.38 per share)		—	—		—		(16,858)		—		—	—		(16,858)
Currency translation adjustment		—	—		—		—		34,273		—	—		34,273


As of 6/30/2025		57,547	$	575	$	1,760,179	$	1,520,677	$	(96,267)	13,183	$	(1,044,996)	$	2,140,168

























The accompanying notes are an integral part of these consolidated financial statements.


Six months ending December 31, 2026	$	71,570
2027	119,538
2028	93,523
2029	64,238
2030	32,598
Thereafter	36,628
Total	$	418,095
Less amount of lease payments representing interest	(61,118)
Total present value of lease payments	$	356,977


	Carrying Value		Estimated Fair Value
	June 30,		June 30,		Fair Value Measurements Using
	2026		2026		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	172,298	$	172,298	$	172,298	$	—	$	—
Accounts receivable, net	120,884		120,884		—		—		120,884
Pawn loans	897,555		897,555		—		—		897,555
Finance receivables, net (1)	131,002		262,846		—		—		262,846
	$	1,321,739	$	1,453,583	$	172,298	$	—	$	1,281,285

Financial liabilities:
Liability for off-balance sheet credit exposure	$	18,341	$	18,341	$	—	$	—	$	18,341
Revolving unsecured credit facility	69,000		69,000		—		69,000		—
Other long-term debt (outstanding principal)	2,300,000		2,292,000		—		2,292,000		—
	$	2,387,341	$	2,379,341	$	—	$	2,361,000	$	18,341


	As of June 30,				As of December 31,
	2026		2025		2025
Finance receivables, gross	$	264,486	$	311,424	$	283,514
Merchant partner discounts and premiums, net	(25,276)		(27,946)		(22,728)
Unearned origination fees	(3,202)		(6,086)		(4,186)
Finance receivables, amortized cost	236,008		277,392		256,600
Less allowance for loan losses	(105,006)		(122,874)		(106,326)
Finance receivables, net	$	131,002	$	154,518	$	150,274


	Origination Year
	2026		2025		2024		Total
As of June 30, 2026
Delinquency:
1 to 30 days past due	$	15,487	$	9,353	$	719	$	25,559
31 to 60 days past due	8,665		6,233		533		15,431
61 to 89 days past due (1)	5,984		5,554		505		12,043
Total past due finance receivables	30,136		21,140		1,757		53,033
Current finance receivables	115,974		62,260		4,741		182,975
Finance receivables, amortized cost	$	146,110	$	83,400	$	6,498	$	236,008


	Origination Year
	2025		2024		2023		Total
As of June 30, 2025
Delinquency:
1 to 30 days past due	$	17,683	$	9,968	$	489	$	28,140
31 to 60 days past due	9,946		6,998		348		17,292
61 to 89 days past due (1)	6,189		5,853		321		12,363
Total past due finance receivables	33,818		22,819		1,158		57,795
Current finance receivables	143,543		72,667		3,387		219,597
Finance receivables, amortized cost	$	177,361	$	95,486	$	4,545	$	277,392


	Three Months Ended June 30, 2026
	U.S. Pawn		Latin America Pawn		U.K. Pawn		Retail POS Payment Solutions		Corporate/ Intersegment Eliminations		Consolidated
Revenue:
Retail merchandise sales	$	275,676	$	174,316	$	21,467	$	—	$	(196)	$	471,263
Pawn loan fees	150,062		79,572		28,807		—		—		258,441
Leased merchandise income	—		—		—		115,499		—		115,499
Interest and fees on retail finance products	—		—		—		73,962		—		73,962
Wholesale scrap jewelry sales	72,334		38,154		41,644		—		—		152,132
Other revenue	—		—		3,391		—		—		3,391
Total revenue	498,072		292,042		95,309		189,461		(196)		1,074,688

Cost of revenue:
Cost of retail merchandise sold	156,453		113,763		15,507		—		(104)		285,619
Depreciation of leased merchandise	—		—		—		71,701		(51)		71,650
Provision for lease losses	—		—		—		24,516		(77)		24,439
Provision for loan losses	—		—		—		39,930		—		39,930
Cost of wholesale scrap jewelry sold	60,962		32,947		25,160		—		—		119,069
Other cost of revenue	—		—		312		—		—		312
Total cost of revenue	217,415		146,710		40,979		136,147		(232)		541,019

Net revenue	280,657		145,332		54,330		53,314		36		533,669

Expenses and other income:
Operating expenses	142,367		82,181		19,344		23,846		—		267,738
Administrative expenses	—		—		—		—		66,825		66,825
Depreciation and amortization	9,074		5,002		1,349		730		16,285		32,440
Interest expense	—		—		—		—		35,702		35,702
Interest income	—		—		—		—		(417)		(417)
Loss on foreign exchange	—		—		—		—		1,738		1,738
Merger and acquisition expenses	—		—		—		—		6,358		6,358
Other income, net	—		—		—		—		(3,717)		(3,717)

Total expenses and other income	151,441		87,183		20,693		24,576		122,774		406,667

Income (loss) before income taxes	$	129,216	$	58,149	$	33,637	$	28,738	$	(122,738)	$	127,002


	Six Months Ended June 30, 2026
	U.S. Pawn		Latin America Pawn		U.K. Pawn		Retail POS Payment Solutions		Corporate/ Intersegment Eliminations		Consolidated
Revenue:
Retail merchandise sales	$	559,505	$	334,157	$	43,312	$	—	$	(877)	$	936,097
Pawn loan fees	307,870		156,218		61,051		—		—		525,139
Leased merchandise income	—		—		—		245,686		—		245,686
Interest and fees on retail finance products	—		—		—		148,297		—		148,297
Wholesale scrap jewelry sales	119,703		58,786		86,124		—		—		264,613
Other revenue	—		—		6,507		—		—		6,507
Total revenue	987,078		549,161		196,994		393,983		(877)		2,126,339

Cost of revenue:
Cost of retail merchandise sold	315,409		217,829		30,886		—		(456)		563,668
Depreciation of leased merchandise	—		—		—		153,053		(344)		152,709
Provision for lease losses	—		—		—		54,447		(264)		54,183
Provision for loan losses	—		—		—		82,774		—		82,774
Cost of wholesale scrap jewelry sold	97,059		49,807		48,930		—		—		195,796
Other cost of revenue	—		—		1,158		—		—		1,158
Total cost of revenue	412,468		267,636		80,974		290,274		(1,064)		1,050,288

Net revenue	574,610		281,525		116,020		103,709		187		1,076,051

Expenses and other income:
Operating expenses	286,224		162,908		40,433		47,602		—		537,167
Administrative expenses	—		—		—		—		132,603		132,603
Depreciation and amortization	17,770		9,587		2,796		1,450		32,353		63,956
Interest expense	—		—		—		—		70,230		70,230
Interest income	—		—		—		—		(644)		(644)
Loss on foreign exchange	—		—		—		—		636		636
Merger and acquisition expenses	—		—		—		—		7,223		7,223
Other income, net	—		—		—		—		(7,250)		(7,250)

Total expenses and other income	303,994		172,495		43,229		49,052		235,151		803,921

Income (loss) before income taxes	$	270,616	$	109,030	$	72,791	$	54,657	$	(234,964)	$	272,130


	Three Months Ended June 30, 2025
	U.S. Pawn		Latin America Pawn		U.K. Pawn		Retail POS Payment Solutions		Corporate/ Intersegment Eliminations		Consolidated
Revenue:
Retail merchandise sales	$	249,918	$	135,956	$	—	$	—	$	(749)	$	385,125
Pawn loan fees	130,948		59,874		—		—		—		190,822
Leased merchandise income	—		—		—		139,784		—		139,784
Interest and fees on retail finance products	—		—		—		76,075		—		76,075
Wholesale scrap jewelry sales	28,740		10,076		—		—		—		38,816

Total revenue	409,606		205,906		—		215,859		(749)		830,622

Cost of revenue:
Cost of retail merchandise sold	143,149		87,579		—		—		(402)		230,326
Depreciation of leased merchandise	—		—		—		78,529		(257)		78,272
Provision for lease losses	—		—		—		32,667		(124)		32,543
Provision for loan losses	—		—		—		41,761		—		41,761
Cost of wholesale scrap jewelry sold	26,265		8,639		—		—		—		34,904

Total cost of revenue	169,414		96,218		—		152,957		(783)		417,806

Net revenue	240,192		109,688		—		62,902		34		412,816

Expenses and other income:
Operating expenses	133,815		64,414		—		24,264		—		222,493
Administrative expenses	—		—		—		—		59,263		59,263
Depreciation and amortization	8,091		4,294		—		699		12,780		25,864
Interest expense	—		—		—		—		26,337		26,337
Interest income	—		—		—		—		(527)		(527)
Gain on foreign exchange	—		—		—		—		(1,271)		(1,271)
Merger and acquisition expenses	—		—		—		—		2,777		2,777
Other income, net	—		—		—		—		(3,199)		(3,199)

Total expenses and other income	141,906		68,708		—		24,963		96,160		331,737

Income (loss) before income taxes	$	98,286	$	40,980	$	—	$	37,939	$	(96,126)	$	81,079


FIRSTCASH HOLDINGS, INC.
CONSOLIDATED STATEMENTS OF CASH FLOWS
(unaudited, in thousands)
	Six Months Ended
	June 30,
	2026		2025
Cash flow from operating activities:
Net income	$	201,169	$	143,396
Adjustments to reconcile net income to net cash flow provided by operating activities:
Depreciation of leased merchandise	152,709		167,091
Provision for lease losses	54,183		60,105
Provision for loan losses	82,774		78,121
Share-based compensation expense	10,750		9,050
Depreciation and amortization expense	63,956		51,366
Amortization of debt issuance costs	2,136		1,971
Prepayment penalties on early termination of secured term loans	4,182		—
Net amortization of premiums, discounts and unearned origination fees on finance receivables	(33,966)		(29,161)

Deferred income taxes, net	(1,320)		(3,282)
Changes in operating assets and liabilities, net of business combinations:
Accounts receivable, net	(4,881)		(1,410)
Inventories purchased directly from customers, wholesalers or manufacturers	5,354		(4,125)
Leased merchandise	(177,178)		(199,448)
Prepaid expenses and other assets	(1,633)		(7,201)
Accounts payable, accrued liabilities and other liabilities	(9,800)		(21,963)
Income taxes	(18,030)		(1,016)
Net cash flow provided by operating activities	330,405		243,494
Cash flow from investing activities:
Pawn loans made	(1,329,288)		(893,706)
Pawn loans repaid	776,118		531,098
Recovery of pawn loan principal through sale of forfeited collateral	405,124		332,016
Investments in finance receivables	(196,310)		(237,132)
Proceeds from finance receivables	181,848		181,155
Purchases of furniture, fixtures, equipment and improvements	(37,864)		(25,866)
Purchases of store real property	(40,246)		(28,126)

Acquisitions of pawn stores, net of cash acquired	(11,525)		(33,649)

Net cash flow used in investing activities	(252,143)		(174,210)


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2026		2025		2026		2025
Balance at beginning of period	$	104,571	$	118,342	$	106,326	$	117,005
Provision for loan losses (1)	32,460		41,761		67,700		78,121
Charge-offs	(36,158)		(40,078)		(76,964)		(78,497)
Recoveries	4,133		2,849		7,944		6,245
Balance at end of period	$	105,006	$	122,874	$	105,006	$	122,874


	Three Months Ended June 30, 2026
	U.S.	Latin America	U.K.	Total
Total locations, beginning of period	1,207	1,838	289	3,334
New locations opened	1	6	6	13
Locations acquired	7	—	—	7


Consolidation of existing pawn locations (1)	(3)	(8)	—	(11)

Total locations, end of period	1,212	1,836	295	3,343


	Six Months Ended June 30, 2026
	U.S.	Latin America	U.K.	Total
Total locations, beginning of period	1,207	1,837	286	3,330
New locations opened	1	10	9	20
Locations acquired	8	—	—	8


Consolidation of existing pawn locations (1)	(4)	(11)	—	(15)

Total locations, end of period	1,212	1,836	295	3,343


	As of June 30, 2026
	U.S. Pawn			Latin America Pawn			U.K. Pawn			Total Pawn
Earning assets:
Pawn loans	$	481,850		$	198,347		$	217,358		$	897,555
Inventories		324,120			161,013			85,360			570,493
	$	805,970		$	359,360		$	302,718		$	1,468,048

Average outstanding pawn loan amount (in ones)	$	322		$	104		$	877		$	245

Composition of pawn collateral:
Jewelry	74		%	51		%	99		%	75		%
General merchandise	26		%	49		%	1		%	25		%
	100		%	100		%	100		%	100		%

Composition of inventories:
Jewelry	65		%	54		%	98		%	66		%
General merchandise	35		%	46		%	2		%	34		%
	100		%	100		%	100		%	100		%

Percentage of inventory aged greater than one year	1.5		%	1.2		%	13.7		%	3.3		%

Inventory turns (trailing twelve months cost of merchandise sales divided by average inventories)	2.8 times			3.8 times			2.2 times			3.0 times

Store count		1,212			1,836			295			3,343
Weighted-average store count for the three months ended June 30		1,208			1,839			292			3,339
Weighted-average store count for the six months ended June 30		1,208			1,838			291			3,337


	Six Months Ended June 30,
	2026		2025
Cash flow provided by operating activities	$	330,405	$	243,494
Cash flow used in investing activities	$	(252,143)	$	(174,210)
Cash flow used in financing activities	$	(33,022)	$	(146,025)


	Three Months Ended June 30,								Six Months Ended June 30,
	2026		2025		2026		2025		2026		2025		2026		2025
	In Thousands		In Thousands		Per Share		Per Share		In Thousands		In Thousands		Per Share		Per Share
Net income and diluted earnings per share, as reported	$	93,467	$	59,805	$	2.12	$	1.34	$	201,169	$	143,396	$	4.56	$	3.21
Adjustments, net of tax:




Merger and acquisition expenses	4,771		2,134		0.11		0.05		5,417		2,488		0.12		0.06
Amortization of acquired intangible assets	11,554		9,258		0.26		0.21		23,108		18,516		0.52		0.41
CFPB litigation settlement	—		9,390		—		0.21		—		9,390		—		0.21
Other expense (income), net	322		(967)		0.01		(0.02)		(532)		(1,391)		(0.01)		(0.03)


Adjusted net income and diluted earnings per share	$	110,114	$	79,620	$	2.50	$	1.79	$	229,162	$	172,399	$	5.19	$	3.86


									Trailing Twelve
	Three Months Ended				Six Months Ended				Months Ended
	June 30,				June 30,				June 30,
	2026		2025		2026		2025		2026		2025
Net income	$	93,467	$	59,805	$	201,169	$	143,396	$	388,148	$	291,770
Income taxes		33,535		21,274		70,961		48,900		139,249		95,239
Depreciation and amortization (1)		32,440		25,864		63,956		51,366		124,396		103,733
Interest expense		35,702		26,337		70,230		53,808		137,715		108,429
Interest income		(417)		(527)		(644)		(1,756)		(1,823)		(2,687)
EBITDA		194,727		132,753		405,672		295,714		787,685		596,484
Adjustments:
Merger and acquisition expenses		6,358		2,777		7,223		3,239		18,353		3,506


CFPB litigation settlement		—		11,000		—		11,000		—		11,000
Other expense (income), net		346		(1,401)		(833)		(1,944)		(3,596)		1,982


Adjusted EBITDA	$	201,431	$	145,129	$	412,062	$	308,009	$	802,442	$	612,972


	Three Months Ended June 30, 2026						Six Months Ended June 30, 2026
			Currency		Constant				Currency		Constant
	U.S.		Exchange		Currency		U.S.		Exchange		Currency
	Dollar		Rate		Basis		Dollar		Rate		Basis
	Basis		Fluctuations		(Non-GAAP)		Basis		Fluctuations		(Non-GAAP)
Revenue:
Retail merchandise sales	$	174,316	$	(18,115)	$	156,201	$	334,157	$	(39,642)	$	294,515
Pawn loan fees	79,572		(8,291)		71,281		156,218		(18,579)		137,639
Wholesale scrap jewelry sales	38,154		—		38,154		58,786		—		58,786

Total revenue	292,042		(26,406)		265,636		549,161		(58,221)		490,940

Cost of revenue:
Cost of retail merchandise sold	113,763		(11,771)		101,992		217,829		(25,722)		192,107
Cost of wholesale scrap jewelry sold	32,947		(3,515)		29,432		49,807		(6,058)		43,749

Total cost of revenue	146,710		(15,286)		131,424		267,636		(31,780)		235,856

Net revenue	145,332		(11,120)		134,212		281,525		(26,441)		255,084

Segment expenses:
Operating expenses	82,181		(8,312)		73,869		162,908		(18,814)		144,094
Depreciation	5,002		(495)		4,507		9,587		(1,079)		8,508
Total segment expenses	87,183		(8,807)		78,376		172,495		(19,893)		152,602

Segment pre-tax operating income	$	58,149	$	(2,313)	$	55,836	$	109,030	$	(6,548)	$	102,482


	June 30,		Favorable /
	2026	2025	(Unfavorable)
U.S. dollar / Mexican peso exchange rate:
End-of-period	17.5	18.9		7	%
Three months ended	17.4	19.5		11	%
Six months ended	17.5	20.0		13	%

U.S. dollar / Guatemalan quetzal exchange rate:
End-of-period	7.6	7.7		1	%
Three months ended	7.6	7.7		1	%
Six months ended	7.6	7.7		1	%

U.S. dollar / Colombian peso exchange rate:
End-of-period	3,444	4,070		15	%
Three months ended	3,611	4,199		14	%
Six months ended	3,655	4,195		13	%

British pound sterling / U.S. dollar exchange rate:
End-of-period	1.33	1.37		(3)	%
Three months ended	1.34	1.34		—	%
Six months ended	1.35	1.30		4	%


	Total Number Of Shares Purchased	Average Price Paid Per Share (1)		Total Number Of Shares Purchased As Part Of Publicly Announced Plans (2)	Approximate Dollar Value Of Shares That May Yet Be Purchased Under The Plans (1) (2)




April 1 through April 30, 2026	—	$	—	—	$	100,000
May 1 through May 31, 2026	—	—		—	100,000
June 1 through June 30, 2026	357,594	214.23		357,594	23,394
Total	357,594	214.23		357,594



Dated: July 27, 2026			FIRSTCASH HOLDINGS, INC.
			(Registrant)

			/s/ RICK L. WESSEL
			Rick L. Wessel
			Chief Executive Officer
			(On behalf of the Registrant)

			/s/ R. DOUGLAS ORR
			R. Douglas Orr
			Executive Vice President and Chief Financial Officer
			(As Principal Financial Officer)

			/s/ BRIAN D. HOSTETLER
			Brian D. Hostetler
			Senior Vice President and Chief Accounting Officer
			(As Principal Accounting Officer)