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FirstCash Holdings Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Completed acquisition of H&T, the leading UK pawn operator, adding 286 stores and expanding international presence; store base expanded to 3,311 locations as of September 30, 2025.
Achieved record third quarter and nine-month revenue and earnings, driven by strong pawn demand across all markets and the H&T acquisition.
Retail POS payment solutions (AFF) served 15,800 merchant partner locations, up 17% year-over-year.
Declared a quarterly cash dividend of $0.42 per share and authorized a new $150 million share repurchase plan.
Financial highlights
Q3 2025 revenue rose 12% year-over-year to $935.6M; net income increased 28% to $82.8M; adjusted net income for Q3 was $100.6M ($2.26/share), up from $75.2M ($1.67/share) in Q3 2024.
Adjusted EBITDA for Q3 was $180.6M, up 30% year-over-year; trailing twelve-month adjusted EBITDA at $654M.
Nine-month revenue reached $2.60B, up 4% year-over-year; net income was $226.2M, up 29%.
Diluted EPS for Q3 up 29% to $1.86 (GAAP); adjusted EPS up 35% to $2.26.
Free cash flow for the nine months was $168.0M, up from $129.9M a year ago; operating cash flows for the trailing twelve months grew 31% to $577M.
Outlook and guidance
Expects continued expansion through new store openings and acquisitions, with a focus on international growth; raised full-year revenue growth expectations for U.S. and Latin America pawn segments.
H&T acquisition expected to contribute $0.18–$0.20 per share in Q4 earnings accretion; full-year proforma EBITDA for H&T estimated at $65–$70M.
U.S. pawn segment expects double-digit Q4 pawn fee growth and high single-digit retail sales growth.
Latin America pawn expects mid to high-teen Q4 pawn fee revenue growth and double-digit retail sales comps, assuming stable currency rates.
AFF origination volume for 2025 expected to be down 7–10% year-over-year, but up 15–20% excluding prior year bankrupt merchants.
H&T's Q4 accretion outlook. What drives it?
AFF's merchant diversification strategy. Details?
What sustains strong pawn demand across markets?
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Next FirstCash Holdings earnings date
Q4 202528 Jan, 2026
Next FirstCash Holdings earnings date
Q4 202528 Jan, 2026
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Frequently asked questions
FirstCash Holdings, Inc. is an international operator of pawn stores, serving as a major provider of technology-driven point-of-sale payment solutions. The company primarily caters to cash and credit-constrained consumers, offering a range of services designed to meet the financial needs of its customer base. The company's services include small loans secured by personal property, retail point-of-sale payment solutions, and the buying and selling of a wide variety of merchandise such as jewelry, electronics, tools, appliances, sporting goods, and musical instruments. The company is headquartered in Fort Worth, Texas, and its shares are listed on the Nasdaq stock exchange.
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